Grupo Supervielle SA (SUPV) AI Stock Analysis

• Market Cap: $1.20B
• Dividend Yield: 1.56%
• Average Volume (3M): 3.63M
• Price to Earnings (P/E): 17.2
• Beta (1Y): 0.72
• Revenue Growth: -55.30%
• EPS Growth: -64.02%
• Country: US
• Employees: 3,456
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.12
• 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: 75 Outperform
• Price Target: $14.00 ▲(127.64% Upside)

Grupo Supervielle SA's strong financial performance and strategic initiatives are key strengths, supported by solid revenue growth and profitability. However, technical indicators suggest overbought conditions, and valuation metrics indicate fair pricing. The earnings call provided positive guidance but highlighted asset quality concerns, which may pose risks.

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 prominent financial services group based in Argentina, primarily engaged in banking and insurance. The company operates through various segments, including retail banking, corporate banking, and asset management, providing a wide range of services such as loans, savings accounts, payment processing, insurance, and investment products tailored to meet the needs of individual and corporate customers across the country.

How the Company Makes Money

Grupo Supervielle generates revenue through multiple key streams, primarily from interest income on loans and credit facilities provided to both retail and corporate clients. The company charges fees for various banking services, including account maintenance, transaction fees, and card services. Additionally, revenue is derived from insurance premiums as the company offers a range of insurance products through its subsidiaries. Asset management and investment services also contribute to the revenue, with fees earned from managing investment portfolios for clients. Strategic partnerships with other financial institutions enhance its service offerings and customer reach, further bolstering its financial performance.

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, and low leverage may limit growth opportunities.

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	1.66T	2.04T	440.59B	342.78B	335.51B	62.87B
Gross Profit	1.15T	1.16T	440.59B	342.78B	335.51B	62.87B
EBITDA	94.21B	195.12B	-115.63B	2.00B	-30.25B	-13.38B
Net Income	65.79B	125.18B	51.62B	-15.65B	-10.52B	5.28B
Balance Sheet
Total Assets	6.03T	4.51T	2.06T	2.17T	760.52B	376.19B
Cash, Cash Equivalents and Short-Term Investments	1.10T	283.29B	146.06B	83.54B	51.23B	28.56B
Total Debt	424.60B	91.25B	2.86B	4.76B	2.18B	2.11B
Total Liabilities	5.10T	3.71T	1.72T	1.88T	660.00B	322.34B
Stockholders Equity	932.91B	822.61B	341.38B	287.32B	100.43B	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: Negative
• 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 9.05, below the 50-day MA of 7.16, and below the 200-day MA of 11.35, indicating a bullish trend. The MACD of 1.67 indicates Negative momentum. The RSI at 68.76 is Neutral, neither overbought nor oversold. The STOCH value of 69.18 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
SUPV	75 Outperform	$1.20B	17.19	8.59%	1.56%	-55.30%	-64.02%
NRIM	73 Outperform	$506.54M	8.16	21.92%	2.78%	36.60%	92.63%
AROW	68 Neutral	$510.38M	14.98	8.49%	4.17%	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%	5.21%	6.08%	52.64%
PGC	61 Neutral	$436.98M	12.81	5.50%	0.78%	9.16%	6.95%
FFWM	41 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 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.