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Grupo Supervielle SA (SUPV)
NYSE:SUPV
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Grupo Supervielle SA
(NYSE:SUPV)
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Rating:71Outperform
Price Target:
$5.50
▲(9.56% Upside)
Grupo Supervielle SA's overall stock score reflects strong financial performance and a favorable valuation, offset by bearish technical indicators and asset quality concerns highlighted in the earnings call. The company's strategic initiatives and potential economic stabilization offer upside potential, but current market sentiment remains cautious.
Positive Factors
Strong Loan Growth
The significant loan growth indicates strong demand for the company's financial products, enhancing revenue potential and market share in the long term.
Innovative Banking Initiatives
Innovative initiatives like AI-powered services improve customer engagement and operational efficiency, supporting long-term competitive advantage.
Improved Financial Performance
Rising net income and disciplined cost management reflect strong financial health, supporting sustainable growth and profitability.
Negative Factors
Asset Quality Concerns
Rising non-performing loans indicate potential risk in asset quality, which could strain future profitability and require increased provisions.
Cost of Risk and Loan Loss Provisions
Increased provisions for loan losses suggest heightened risk exposure, potentially impacting future earnings and cash flow stability.
Reduced Fee Income
Declining fee income reflects challenges in revenue diversification, possibly affecting overall financial performance if not addressed.
Grupo Supervielle SA (SUPV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$479.57M
Dividend Yield3.73%
Average Volume (3M)1.84M
Price to Earnings (P/E)6.9
Beta (1Y)0.83
Revenue Growth-55.30%
EPS Growth-64.02%
CountryUS
Employees3,456
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.12
Shares Outstanding78,996,826
10 Day Avg. Volume2,430,124
30 Day Avg. Volume1,838,642
Financial Highlights & Ratios
PEG Ratio-0.21
Price to Book (P/B)1.66
Price to Sales (P/S)0.67
P/FCF Ratio2.97
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$8.78Price Target Upside74.90% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Grupo Supervielle SA Business Overview & Revenue Model
Company DescriptionGrupo 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 MoneyGrupo 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 Earnings Call Summary
Earnings Call Date:Aug 13, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Nov 25, 2025
Earnings Call Sentiment Neutral
The earnings call highlighted strong loan growth and strategic initiatives driving financial performance improvements. However, asset quality concerns and increased provisions present challenges. The anticipation of post-election economic stabilization offers potential upside, though uncertainties remain.Q2-2025 Updates
Positive Updates
Strong Loan Growth
Loan growth outpaced the industry with a 14% sequential increase and 71% year-on-year growth in real terms. Commercial lending grew by 23% quarter-on-quarter, while retail loans increased 130% year-on-year.
Record U.S. Dollar Balances
U.S. dollar deposits set a record high at $943 million, up 154% year-on-year and 16% sequentially, with further increases in July exceeding $1.1 billion.
Innovative Banking Initiatives
Significant progress in strategic initiatives, including new remunerated accounts, Tienda Supervielle surpassing 0.5 million sessions, and enhanced Gen AI-powered WhatsApp channel with over 150,000 interactions.
Improved Financial Performance
Net income was ARS 13.6 billion in Q2, up 62% sequentially, with a 6% ROE driven by higher net financial income and disciplined cost management.
Negative Updates
Asset Quality Concerns
NPL ratio increased to 2.7%, with retail delinquency at 4.5% due to a normalization following rapid loan growth and a lower inflationary environment.
Cost of Risk and Loan Loss Provisions
Loan loss provisions rose 32% sequentially, reflecting increased provisioning needs in retail loans, lifting net cost of risk by 70 basis points to 5.5%.
Reduced Fee Income
Net fee income was down 13% as banking fees were not adjusted in Q2 and a lower contribution from the brokerage business following the lifting of FX restrictions.
Decline in InvertirOnline Activity
A decrease in active users and trading volumes in InvertirOnline platform due to lower trading of equities and CDRs and increased competition following FX market liberalization.
Company Guidance
During the Grupo Supervielle's Second Quarter Earnings Call, the company provided guidance for future financial performance amidst a transitional macroeconomic environment. They reported a 6% return on equity in real terms with a CET1 ratio of 13.9%, highlighting disciplined cost management and improved net interest margin (NIM). The company achieved a loan-to-deposit ratio of nearly 72% with leverage at 6.5x, indicating ample capacity for portfolio expansion. Retail loans grew by 130% year-on-year, while commercial lending accounted for 53% of the portfolio. The non-performing loan (NPL) ratio was 2.7%, with retail delinquency at 4.5% and corporate loans at 1.4% NPL. They forecast real loan growth of 40% to 50%, deposits growth of 20% to 30%, and NIM expected to trend between 18% and 20%. The company anticipates an ROE improvement towards year-end within a 5% to 10% range and expects the CET1 ratio to close between 12% and 13%, with potential upside from regulatory changes.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 company 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.85
Very Positive
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.78
Positive
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.82
Very Positive
| 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
Negative
5.02
Price Trends
8.87
Negative
10.92
Negative
12.72
Negative
Market Momentum
-1.17
Positive
23.90
Positive
8.58
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 5.02 is below the 20-day moving average (MA) of 6.84, below the 50-day MA of 8.87, and below the 200-day MA of 12.72, indicating a bearish trend. The MACD of -1.17 indicates Positive momentum. The RSI at 23.90 is Positive, neither overbought nor oversold. The STOCH value of 8.58 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | 502.78M | 11.37 | 15.46% | 2.79% | 27.34% | 39.43% | |
77 Outperform | 483.53M | 16.01 | 7.48% | 3.85% | 8.36% | -2.24% | |
74 Outperform | 512.86M | 15.95 | 5.14% | 0.69% | 7.35% | -2.65% | |
71 Outperform | $479.57M | 6.86 | 8.59% | 3.73% | -55.30% | -64.02% | |
69 Neutral | 487.09M | 13.49 | 4.25% | 4.46% | 7.66% | 28.75% | |
51 Neutral | 477.02M | -4.11 | -9.24% | ― | -1.29% | -1023.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
SUPV
Grupo Supervielle SA
5.02
-3.16
-38.63%
AROW
Arrow Financial
29.36
1.53
5.50%
NFBK
Northfield Bancorp
11.65
0.26
2.28%
NRIM
Northrim Bancorp
91.04
23.44
34.67%
PGC
Peapack-Gladstone Financial
29.06
1.78
6.52%
FFWM
First Foundation
5.79
-0.63
-9.81%
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.