Grupo Supervielle SA (SUPV) AI Stock Analysis

• Market Cap: $1.16B
• Dividend Yield: 1.5%
• Average Volume (3M): 1.13M
• Price to Earnings (P/E): 15.3
• Beta (1Y): 1.06
• Revenue Growth: -44.77%
• EPS Growth: -10.25%
• Country: US
• Employees: 3,456
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.22
• Shares Outstanding: 78,996,826
• 10 Day Avg. Volume: 1,552,797
• 30 Day Avg. Volume: 1,125,513
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.02
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.01
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $17.50
• Price Target Upside: 47.18% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 81 Outperform
• Price Target: ―

Grupo Supervielle SA demonstrates robust financial performance with consistent revenue growth, a strong balance sheet, and solid cash flows. The positive sentiment from the earnings call, coupled with successful digital transformation and significant growth in deposits and loans, supports a favorable outlook. While technical indicators show mixed signals, the overall valuation remains attractive, contributing to a strong overall stock score.

Positive Factors

Earnings Outlook

Analysts expect earnings to bounce back to an average earnings growth of approximately 50% in 2026-2027, supported by positive real loan growth and stronger core revenue generation.

Loan Growth

Supervielle is growing loans faster than peers, which is seen as a positive given loan growth is among investors’ main focus.

Macroeconomic Environment

The macroeconomic environment in Argentina is normalizing, contributing to a more favorable outlook for banks like Supervielle.

Negative Factors

Capitalization Concerns

Supervielle is the bank with the lowest capitalization within the coverage, which is not expected to be an issue in the short term but remains a point to monitor.

Net Income Decline

Net income declined 89% year-over-year due to much lower securities and FX gains impacted by precautionary behavior and FX volatility.

Grupo Supervielle SA Business Overview & Revenue Model

Company Description

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal and Business Banking, Corporate Banking, Treasury and Finance, Capital Markets and Structuring, and Support Areas segments. It offers savings accounts, time and demand deposits, and checking accounts; various loan products, including personal, consumer, mortgage, unsecured, and car loans; overdrafts; loans with special facilities for project and working capital financing; and leasing, bank guarantees for tenants, salary advances, domestic and international factoring, international guarantees and letters of credit, payroll payment plans, credit cards, debit cards, and senior citizens benefit payment services, as well as financial services and investments, such as mutual funds and guarantees. The company also provides foreign trade and cash management; advisory services; treasury services; insurance products comprising personal accidents, protected bag, unemployment, total protection, and pets insurance policies; and asset management and other services, as well as operates as an online broker. As of December 31, 2021, it operates through a network of 298 access points, including 184 bank branches, 10 banking sales and collection centers, 79 points of sales, 20 Tarjeta Automática branches, and 5 Mila branches, as well as 450 ATMs, 230 self-service terminals, and 298 ATMs with biometric identification. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is headquartered in Buenos Aires, Argentina.

How the Company Makes Money

Grupo Supervielle S.A. generates revenue primarily through interest income from its banking operations, which involves loans and credit facilities extended to individuals and businesses. The company also earns fees and commissions from various banking services, such as account management, transaction processing, and advisory services. Additionally, Grupo Supervielle benefits from insurance premiums and asset management fees. Its earnings are further supplemented by strategic partnerships with other financial institutions and businesses, enhancing its product offerings and market reach.

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. The company is well-positioned to capitalize on growth opportunities, although it may need to consider strategic use of leverage to enhance growth potential.

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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
890.31B	440.59B	342.78B	335.51B	62.87B
	Gross Profit
890.31B	440.59B	342.78B	335.51B	62.87B
	EBIT
389.77B	90.54B	-10.62B	4.62B	6.30B
	EBITDA
0.00	-115.63B	2.00B	-30.25B	-13.38B
	Net Income Common Stockholders
125.18B	51.62B	-15.65B	-10.52B	5.28B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
283.29B	146.06B	83.54B	51.23B	28.56B
	Total Assets
4.51T	2.06T	2.17T	760.52B	376.19B
	Total Debt
4.68B	2.86B	4.76B	2.18B	2.11B
	Net Debt
-278.61B	-226.24B	-78.78B	-49.05B	-26.44B
	Total Liabilities
3.71T	1.72T	1.88T	660.00B	322.34B
	Stockholders Equity
822.61B	341.38B	287.32B	100.43B	53.81B
Cash Flow		Free Cash Flow
1.55T	133.20B	539.30B	273.86B	-16.94B
	Operating Cash Flow
1.61T	157.95B	565.34B	304.33B	-9.81B
	Investing Cash Flow
-46.08B	-18.89B	-23.53B	-28.48B	-6.57B
	Financing Cash Flow
-1.05T	-1.00T	-599.33B	-329.09B	22.28B

Grupo Supervielle SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.89
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SUPV, the sentiment is Negative. The current price of 11.89 is below the 20-day moving average (MA) of 13.94, below the 50-day MA of 14.03, and below the 200-day MA of 12.38, indicating a bearish trend. The MACD of -0.78 indicates Positive momentum. The RSI at 35.14 is Neutral, neither overbought nor oversold. The STOCH value of 19.52 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SUPV.

Grupo Supervielle SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SUPV	81 Outperform	$1.16B	15.33	9.61%	1.50%	-44.77%	-10.25%
BLX	81 Outperform	$1.45B	7.38	15.82%	5.43%	8.33%	13.48%
PFBC	77 Outperform	$1.14B	9.06	17.21%	3.43%	0.94%	-8.61%
WABC	71 Outperform	$1.28B	9.81	15.54%	3.75%	-7.38%	-15.58%
STBA	70 Outperform	$1.45B	10.92	9.84%	3.59%	1.26%	―
NBHC	70 Outperform	$1.43B	13.01	8.68%	3.11%	1.63%	-16.82%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%