Grupo Supervielle S.A. (SUPV)
NYSE:SUPV
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Grupo Supervielle SA
(NYSE:SUPV)
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Rating:50Neutral
Price Target:
$9.50
â–Ľ(-2.96% Downside)
Action:Reiterated
Date:06/05/26
The score is held down primarily by weak financial performance (losses, declining revenue, negative operating/free cash flow, and higher leverage). Technicals provide a partial offset with price above key moving averages and positive MACD, while valuation is mixed due to a negative P/E and only moderate dividend yield.
Positive Factors
Equity Capital Base
A sizable equity base provides a durable capital cushion to absorb losses and support lending capacity. In Argentina's volatile macro environment, stronger equity relative to assets underpins regulatory capital, preserves operational continuity, and gives management time to execute restructuring without immediate external recapitalization.
Negative Factors
Profitability Deterioration
The shift to losses and a sharp revenue decline indicate structural pressure on margins and the business mix. Persistent negative profitability erodes retained capital, weakens ROE, limits reinvestment capacity and can force strategic changes (cost cuts, asset sales, or capital raises) that impair medium‑term franchise growth.
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Positive Factors
Negative Factors
Equity Capital Base
A sizable equity base provides a durable capital cushion to absorb losses and support lending capacity. In Argentina's volatile macro environment, stronger equity relative to assets underpins regulatory capital, preserves operational continuity, and gives management time to execute restructuring without immediate external recapitalization.
Read all positive factors
Grupo Supervielle SA (SUPV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.03B
Dividend Yield1.54%
Average Volume (3M)862.62K
Price to Earnings (P/E)―
Beta (1Y)0.99
Revenue Growth-9.02%
EPS Growth-172.36%
CountryUS
Employees3,456
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-845.65
Shares Outstanding78,996,826
10 Day Avg. Volume919,366
30 Day Avg. Volume862,615
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)1.49
Price to Sales (P/S)0.65
P/FCF Ratio-1.33
Enterprise Value/Market Cap1.01K
Enterprise Value/Revenue1.02
Enterprise Value/Gross Profit2.47
Enterprise Value/Ebitda-113.82
Forecast
1Y Price Target
$14.50Price Target Upside48.11% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.79
Revenue Forecast (FY)$963.46M
Grupo Supervielle SA Business Overview & Revenue Model
Company Description
Grupo Supervielle S.A. is an Argentine financial services conglomerate that provides a wide array of banking and financial solutions. The company serves both individual customers and corporate entities through its distinct operational segments: Pe...
How the Company Makes Money
Grupo Supervielle primarily makes money through its banking subsidiaries by earning net interest income and charging fee-based commissions. A key revenue stream is interest earned on loans (e.g., consumer, SME, and commercial credit) and other int...
Grupo Supervielle SA Earnings Call Summary
Earnings Call Date:Mar 02, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Aug 19, 2026
Earnings Call Sentiment Positive
The call presented a mix of operational resilience and near-term challenges. Highlights include strong loan growth (led by corporate lending), a materially stronger capital position (CET1 at 15.4%), a rebound in net financial income and NIM, improved core deposit traction, cost discipline and accelerating momentum at the digital brokerage (EOL). Offsetting these positives are a quarterly net loss driven by a 75% sequential increase in provisions, elevated net cost of risk (10.4% in the quarter), a rise in NPLs to 5.0%, and a 6% sequential decline in total deposits due to tactical deleveraging. Management provided constructive guidance for 2026 (loans, deposits, NIM, cost of risk and ROE) and signaled that provisioning trends may have peaked, supporting an optimistic outlook. On balance, operational progress and capital strength appear to outweigh near-term credit and macro pressures, supporting a cautiously positive outlook.Positive Updates
Strong Loan Growth
Total loans grew 8% sequentially and 37% year-over-year; commercial (corporate) lending led expansion, up 25% quarter-over-quarter and 64% year-over-year, and now represents 63% of the loan portfolio.
Negative Updates
Quarterly Net Loss and Provisioning Spike
Reported an attributable net loss of ~AR 19.5 billion in 4Q'25, although improved from the ~AR 55 billion loss in the prior quarter. Loan loss provisions increased ~75% sequentially and were the primary driver of the quarterly loss.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Loan Growth
Total loans grew 8% sequentially and 37% year-over-year; commercial (corporate) lending led expansion, up 25% quarter-over-quarter and 64% year-over-year, and now represents 63% of the loan portfolio.
Read all positive updates
Company Guidance
Management guided to real loan growth of 25–30% (led by corporate lending, with peso loans expected to grow faster than dollar loans), deposit growth of 20–25% (peso deposits to drive the mix and tax-amnesty upside for dollar balances), an NPL ratio of 5–6% for the year with a temporary peak in 1Q26, net cost of risk of 6.0–6.5%, NIM of 14–16%, net fee income up ~5% in real terms, structural operating expenses broadly stable in real terms, ROE of 4–9% for 2026 (with sequential improvement expected and a path to double-digit ROE by year-end 2026 and high‑teens by 2027–28 under normalization), and an ending CET1 ratio targeted at 11–13%; these projections assume macro parameters of ~22.4% inflation, 3.7% GDP growth and an exchange rate of ~1,750 ARS/USD by end‑2026.Grupo Supervielle SA Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
46
Neutral
Cash Flow
22
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.02T | 2.33T | 2.04T | 3.02T | 1.96T | 793.88B |
| Gross Profit | 425.01B | 918.05B | 1.16T | 1.23T | 859.83B | 381.48B |
| EBITDA | -9.21B | -112.72B | 195.12B | 257.67B | 10.04B | 16.79B |
| Net Income | -6.16B | -56.60B | 104.49B | 112.40B | -34.09B | -10.52B |
Balance Sheet | ||||||
| Total Assets | 5.90B | 7.79T | 4.51T | 4.48T | 2.17T | 760.48B |
| Cash, Cash Equivalents and Short-Term Investments | 1.05B | 1.60T | 662.73B | 553.95B | 158.18B | 82.66B |
| Total Debt | 919.32M | 1.05T | 91.25B | 8.27B | 6.63B | 4.71B |
| Total Liabilities | 5.11B | 6.78T | 3.71T | 3.74T | 1.88T | 660.06B |
| Stockholders Equity | 786.73M | 1.01T | 797.74B | 743.40B | 287.32B | 100.34B |
Cash Flow | ||||||
| Free Cash Flow | -742.79B | -1.13T | 461.47B | 133.20B | 539.30B | 273.86B |
| Operating Cash Flow | -689.99B | -1.05T | 518.86B | 157.95B | 565.34B | 304.33B |
| Investing Cash Flow | 906.40B | 1.13T | -46.24B | -18.89B | -23.53B | -28.48B |
| Financing Cash Flow | 390.44B | 972.13B | -1.05T | -1.00T | -599.33B | -329.09B |
Grupo Supervielle SA Technical Analysis
Positive
9.79
Price Trends
8.99
Positive
9.50
Positive
9.30
Positive
Market Momentum
0.41
Negative
67.71
Neutral
74.80
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 9.79 is above the 20-day moving average (MA) of 8.98, above the 50-day MA of 8.99, and above the 200-day MA of 9.30, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 67.71 is Neutral, neither overbought nor oversold. The STOCH value of 74.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SUPV.
Grupo Supervielle SA Risk Analysis
Grupo Supervielle SA disclosed 47 risk factors in its most recent earnings report. Grupo Supervielle SA reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Grupo Supervielle SA Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $567.69M | 8.71 | 20.49% | 2.31% | 25.67% | 53.81% | |
79 Outperform | $816.99M | 18.48 | 6.68% | 0.70% | 10.61% | 37.65% | |
77 Outperform | $629.92M | 12.21 | 12.04% | 3.59% | 8.85% | 82.76% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $613.10M | 122.62 | 0.68% | 4.38% | 6.67% | -84.79% | |
50 Neutral | $1.03B | -25.87 | -4.99% | 1.54% | -9.02% | -172.36% |
* Financial Sector Average
SUPV
Grupo Supervielle SA
10.89
-1.19
-9.85%
AROW
Arrow Financial
38.11
12.91
51.21%
NFBK
Northfield Bancorp
14.68
2.99
25.63%
NRIM
Northrim Bancorp
25.52
3.57
16.28%
PGC
Peapack-Gladstone Financial
46.11
18.10
64.59%
Grupo Supervielle SA Corporate Events
Grupo Supervielle Clears Related-Party Portfolio Rebalancing Transactions
Jun 8, 2026
On June 8, 2026, Grupo Supervielle S.A. disclosed that its board approved securities transactions between the parent company and its wholly owned brokerage subsidiary, Supervielle Agente de Negociación S.A.U. The transactions were designed to...
Grupo Supervielle Reports First-Quarter 2026 Financial Position
May 27, 2026
Grupo Supervielle S.A. has filed its consolidated condensed interim financial statements for the three‑month period ended March 31, 2026, prepared in homogeneous Argentine pesos and presented on a comparative basis with prior periods. The fi...
Grupo Supervielle Shareholders Approve 2025 Results and Expand Board at April 23 Meeting
Apr 24, 2026
On April 23, 2026, Grupo Supervielle S.A. held its ordinary and extraordinary shareholders’ meeting via Microsoft Teams, with 78.8% of share capital and 85.46% of voting rights represented, validating the virtual format under its bylaws and ...
Grupo Supervielle Details Governance, Financials and Intra-Group Deals Ahead of April 23, 2026 AGM
Apr 13, 2026
On April 13, 2026, Grupo Supervielle reported it had responded to an information request from shareholder Fondo de Garantía de Sustentabilidad–ANSES ahead of the Ordinary and Extraordinary Shareholders’ Meeting scheduled for April...
Grupo Supervielle Files 2025 Form 20-F with U.S. SEC
Apr 8, 2026
Grupo Supervielle S.A., a universal financial services group with nationwide operations in Argentina, provides a broad suite of banking and related products to both retail and corporate customers. Listed on the New York Stock Exchange and BYMA und...
Grupo Supervielle Files 2025 Year-End Consolidated Financial Statements
Apr 1, 2026
Grupo Supervielle S.A. reported its consolidated and separate financial statements for the financial year ended December 31, 2025, prepared in homogeneous currency on a comparative basis with 2024. The filing details a broad range of disclosures, ...
Grupo Supervielle Calls Virtual Shareholders’ Meeting to Tackle 2025 Loss and Bylaw Changes
Mar 17, 2026
On March 16, 2026, Grupo Supervielle’s board called an ordinary and extraordinary shareholders’ meeting for April 23, 2026, to be held virtually via Microsoft Teams as allowed under its bylaws. The meeting will review financial stateme...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.