Grupo Supervielle SA (SUPV) AI Stock Analysis

• Market Cap: $1.20B
• Dividend Yield: 1.66%
• Average Volume (3M): 3.63M
• Price to Earnings (P/E): 17.2
• Beta (1Y): 0.72
• Revenue Growth: -50.19%
• EPS Growth: -89.23%
• Country: US
• Employees: 3,456
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 78,996,826
• 10 Day Avg. Volume: 4,612,422
• 30 Day Avg. Volume: 3,625,266
• PEG Ratio: 0.08
• Price to Book (P/B): 1.66
• Price to Sales (P/S): 0.67
• P/FCF Ratio: 2.97
• Enterprise Value/Market Cap: 0.39
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $12.00
• Price Target Upside: 95.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $12.50 ▲(103.25% Upside)

Grupo Supervielle SA's overall stock score reflects strong financial performance and moderate technical indicators. However, valuation concerns and mixed earnings call sentiment, with significant net losses and asset quality challenges, weigh on the score. The company's strategic initiatives and positive political outlook offer potential upside.

Positive Factors

Strong Loan Growth

The significant loan growth indicates strong demand for the company's lending products and suggests effective market penetration, supporting long-term revenue expansion.

Innovative Banking Initiatives

These initiatives enhance customer experience and operational efficiency, potentially increasing customer retention and attracting new clients, which supports sustainable growth.

Improved Financial Performance

The improved financial performance reflects effective cost management and revenue generation, indicating robust profitability and operational efficiency.

Negative Factors

Asset Quality Concerns

Rising non-performing loans suggest potential challenges in credit risk management, which could impact future profitability and require increased provisions.

Cost of Risk and Loan Loss Provisions

Increased provisions indicate higher perceived risk in the loan portfolio, which may pressure margins and reduce financial flexibility.

Reduced Fee Income

Declining fee income suggests challenges in maintaining ancillary revenue streams, potentially impacting overall revenue diversification and stability.

Grupo Supervielle SA Business Overview & Revenue Model

Company Description

Grupo Supervielle SA is a leading financial services group based in Argentina, primarily engaged in the banking and financial sectors. The company operates various subsidiaries that offer a comprehensive range of services including commercial banking, retail banking, and asset management. Its core products encompass loans, savings accounts, credit cards, and investment services, catering to both individual and corporate clients. Grupo Supervielle is focused on providing innovative financial solutions and enhancing customer experience through technology-driven platforms.

How the Company Makes Money

Grupo Supervielle generates revenue through multiple key streams. The primary source of income is interest income from loans provided to customers, which includes personal, auto, and mortgage loans. Additionally, the company earns fees from various banking services such as transaction fees, account maintenance fees, and credit card fees. Investment services and asset management also contribute to revenue through advisory fees and management fees. Strategic partnerships with fintech companies and other financial institutions enhance its service offerings and customer reach, further bolstering its earnings. The company's focus on digital banking solutions allows it to tap into the growing demand for online financial services, increasing its market share and overall profitability.

Grupo Supervielle SA Financial Statement Overview

Summary

Grupo Supervielle SA exhibits strong financial health with consistent revenue growth and profitability improvement. The balance sheet reflects low leverage and effective equity usage, while cash flows are solid, supporting operational and strategic flexibility. However, the absence of EBITDA limits some analysis of operational efficiency.

Income Statement

Grupo Supervielle SA has shown strong revenue growth over the years, with total revenue almost doubling from 2023 to 2024. The gross profit margin remains high at 100% since revenue equals gross profit, indicating efficient cost management. The net profit margin improved significantly from 2023 to 2024, reflecting improved profitability. However, the absence of EBITDA limits some analysis of operational efficiency.

Balance Sheet

The company demonstrates a solid equity position, with an equity ratio of 18.15% in 2024. The debt-to-equity ratio is low at 0.006, indicating minimal leverage and strong financial stability. Return on equity is healthy, reflecting efficient use of equity capital. However, the banking industry typically carries higher leverage, and a low debt ratio may limit growth opportunities.

Cash Flow

Grupo Supervielle SA has displayed robust free cash flow growth and strong operating cash flow, which more than covers net income, signifying good cash generation capability. The free cash flow to net income ratio is favorable, ensuring that the company generates more cash than it reports as profit. However, fluctuations in financing cash flow signal potential variability in capital structure management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.61T	2.04T	3.02T	1.96T	793.88B	242.36B
Gross Profit	922.59B	1.16T	1.23T	859.83B	381.48B	134.68B
EBITDA	89.44B	195.12B	257.67B	10.04B	16.79B	19.35B
Net Income	45.11B	104.49B	112.40B	-34.09B	-10.52B	10.29B
Balance Sheet
Total Assets	6.03T	4.51T	4.48T	2.17T	760.48B	376.19B
Cash, Cash Equivalents and Short-Term Investments	1.10T	662.73B	553.95B	158.18B	82.66B	56.98B
Total Debt	424.60B	91.25B	8.27B	6.63B	4.71B	9.89B
Total Liabilities	5.10T	3.71T	3.74T	1.88T	660.06B	322.34B
Stockholders Equity	932.91B	797.74B	743.40B	287.32B	100.34B	53.81B
Cash Flow
Free Cash Flow	503.24B	461.47B	133.20B	539.30B	273.86B	-16.94B
Operating Cash Flow	530.84B	518.86B	157.95B	565.34B	304.33B	-9.81B
Investing Cash Flow	-52.00B	-46.24B	-18.89B	-23.53B	-28.48B	-6.57B
Financing Cash Flow	359.27B	-1.05T	-1.00T	-599.33B	-329.09B	22.28B

Grupo Supervielle SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.15
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SUPV, the sentiment is Positive. The current price of 6.15 is below the 20-day moving average (MA) of 11.30, below the 50-day MA of 8.39, and below the 200-day MA of 11.01, indicating a neutral trend. The MACD of 0.46 indicates Positive momentum. The RSI at 59.24 is Neutral, neither overbought nor oversold. The STOCH value of 64.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SUPV.

Grupo Supervielle SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NRIM	76 Outperform	$542.55M	8.74	21.92%	2.54%	36.60%	92.63%
SUPV	74 Outperform	$1.20B	17.19	2.46%	1.66%	-50.19%	-89.23%
AROW	74 Outperform	$501.33M	14.66	8.49%	3.74%	6.86%	6.11%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NFBK	63 Neutral	$424.79M	10.42	5.56%	4.84%	6.08%	52.64%
PGC	62 Neutral	$436.98M	12.81	5.50%	0.74%	9.16%	6.95%
FFWM	44 Neutral	$430.88M	-2.67	-16.22%	―	-6.47%	-75.82%

Grupo Supervielle SA Corporate Events

Grupo Supervielle Announces Cancellation of Class B Treasury Shares

On November 25, 2025, Grupo Supervielle S.A. announced the automatic cancellation of 5,633,007 Class B treasury shares, in accordance with Article 67 of Capital Markets Law No. 26,831. This cancellation, which occurred due to the expiration of a three-year holding period, led to a reduction in the company’s share capital to Ps. 446,834,114, comprising 61,738,188 Class A shares and 385,095,926 Class B shares.

Grupo Supervielle Announces Cancellation of Class B Treasury Shares

On October 1, 2025, Grupo Supervielle S.A. announced the automatic cancellation of 3,782,214 Class B treasury shares, following the expiration of a three-year term since their acquisition in 2022. This cancellation, in compliance with Article 67 of Capital Markets Law No. 26,831, resulted in a reduction of the company’s share capital to Ps. 451,994,134, impacting the company’s financial structure and potentially its market positioning.

Grupo Supervielle Announces Cancellation of Class B Treasury Shares

On August 13, 2025, Grupo Supervielle S.A.’s Board of Directors acknowledged the automatic cancellation of 472,987 Class B common shares due to regulatory requirements, as the shares had remained unsold for three years since their acquisition in August 2022. This cancellation led to a reduction in the company’s share capital, which now stands at Ps. 456,249,335, consisting of 61,738,188 Class A shares and 394,511,147 Class B shares.

Grupo Supervielle Reports Strong Asset Growth in H1 2025

Grupo Supervielle S.A. released its financial statements for the six-month period ending June 30, 2025, showing a significant increase in total assets from 5,214,742,564 pesos at the end of 2024 to 6,034,280,153 pesos. This growth is attributed to increased cash and due from banks, loans, and other financing activities. The financial results reflect the company’s robust performance and strategic positioning in the financial sector, potentially impacting stakeholders positively by demonstrating financial stability and growth.