(SUPV) Grupo Supervielle - Ratings and Ratios
Loans, Deposits, Cards, Insurance, Investments
Dividends
| Dividend Yield | 1.83% |
| Yield on Cost 5y | 10.52% |
| Yield CAGR 5y | 45.43% |
| Payout Consistency | 59.5% |
| Payout Ratio | 39.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 77.9% |
| Value at Risk 5%th | 113% |
| Relative Tail Risk | -12.10% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.26 |
| Alpha | -29.61 |
| CAGR/Max DD | 1.17 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.566 |
| Beta | 1.692 |
| Beta Downside | 1.703 |
| Drawdowns 3y | |
|---|---|
| Max DD | 75.20% |
| Mean DD | 20.78% |
| Median DD | 16.13% |
Description: SUPV Grupo Supervielle November 15, 2025
Grupo Supervielle S.A. (NYSE: SUPV) is an Argentine financial-services holding that operates across Personal & Business Banking, Corporate Banking, Treasury, Insurance, and Asset Management, delivering a full suite of deposit, loan, payment, and insurance products to individuals, SMEs, and large corporates.
The firm’s product lineup includes savings and checking accounts, a broad array of consumer and mortgage loans, project-finance facilities, leasing, factoring, credit/debit cards, and senior-citizen benefit payments, complemented by insurance lines (life, home, personal accident, technology, and SME-focused packages) and asset-management services such as mutual funds and digital brokerage.
Distribution is anchored in a physical network of branches, ATMs, self-service kiosks, and biometric cash dispensers, while a growing digital platform supports online brokerage and remote banking services.
Recent performance indicators (Q3 2024) show a net profit of **≈ USD 180 million**, a **~ 12 % YoY increase in loan portfolio** driven mainly by consumer credit, and a **~ 9 % rise in total deposits**, reflecting strong demand for Argentine-peso savings amid high inflation. The bank’s net interest margin (NIM) held at **5.3 %**, consistent with peers in the diversified-bank sub-industry.
Key macro drivers for Supervielle include Argentina’s persistently high inflation (≈ 210 % YoY in 2024), which fuels demand for short-term credit and deposit products, as well as the country’s currency volatility that pressures loan-loss provisions and influences the mix of foreign-currency versus peso-denominated assets. Regulatory capital requirements and the Central Bank’s monetary policy stance remain material levers on the firm’s profitability.
For a deeper, data-driven assessment of SUPV’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (6.64b TTM) > 0 and > 6% of Revenue (6% = 72.90b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -47.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -188.8% (prev -70.17%; Δ -118.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 9.55b > Net Income 6.64b (YES >=105%, WARN >=100%) |
| Net Debt (-1399.84b) to EBITDA (51.22b) ratio: -27.33 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (87.5m) change vs 12m ago -0.01% (target <= -2.0% for YES) |
| Gross Margin 67.19% (prev 51.71%; Δ 15.48pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.39% (prev 65.84%; Δ -44.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.05 (EBITDA TTM 51.22b / Interest Expense TTM 530.48b) >= 6 (WARN >= 3) |
Altman Z'' -1.84
| (A) -0.31 = (Total Current Assets 1067.67b - Total Current Liabilities 3362.25b) / Total Assets 7365.52b |
| (B) 0.01 = Retained Earnings (Balance) 89.74b / Total Assets 7365.52b |
| (C) 0.00 = EBIT TTM 23.89b / Avg Total Assets 5681.56b |
| (D) 0.13 = Book Value of Equity 851.88b / Total Liabilities 6512.97b |
| Total Rating: -1.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 51.24
| 1. Piotroski 3.50pt |
| 2. FCF Yield 16.43% |
| 3. FCF Margin 2.12% |
| 4. Debt/Equity 0.42 |
| 5. Debt/Ebitda -27.33 |
| 6. ROIC - WACC (= -19.31)% |
| 7. RoE 0.76% |
| 8. Rev. Trend 51.53% |
| 9. EPS Trend 17.37% |
What is the price of SUPV shares?
Over the past week, the price has changed by +0.27%, over one month by -5.24%, over three months by +99.64% and over the past year by -15.14%.
Is SUPV a buy, sell or hold?
- Strong Buy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SUPV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 14.7 | 32.9% |
| Analysts Target Price | 14.7 | 32.9% |
| ValueRay Target Price | 17.7 | 60.4% |
SUPV Fundamental Data Overview December 12, 2025
P/E Trailing = 52.9048
P/S = 0.0015
P/B = 1.4121
P/EG = 0.29
Beta = 0.834
Revenue TTM = 1215.03b ARS
EBIT TTM = 23.89b ARS
EBITDA TTM = 51.22b ARS
Long Term Debt = 51.16b ARS (from longTermDebt, last fiscal year)
Short Term Debt = 38.60b ARS (from shortTermDebt, last fiscal year)
Debt = 360.21b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -1399.84b ARS (from netDebt column, last quarter)
Enterprise Value = 157.10b ARS (1556.94b + Debt 360.21b - CCE 1760.05b)
Interest Coverage Ratio = 0.05 (Ebit TTM 23.89b / Interest Expense TTM 530.48b)
FCF Yield = 16.43% (FCF TTM 25.82b / Enterprise Value 157.10b)
FCF Margin = 2.12% (FCF TTM 25.82b / Revenue TTM 1215.03b)
Net Margin = 0.55% (Net Income TTM 6.64b / Revenue TTM 1215.03b)
Gross Margin = 67.19% ((Revenue TTM 1215.03b - Cost of Revenue TTM 398.63b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 50.81%)
Tobins Q-Ratio = 0.02 (Enterprise Value 157.10b / Total Assets 7365.52b)
Interest Expense / Debt = 48.11% (Interest Expense 173.29b / Debt 360.21b)
Taxrate = -36.79% (negative due to tax credits) (29.88b / -81.22b)
NOPAT = 32.68b (EBIT 23.89b * (1 - -36.79%)) [negative tax rate / tax credits]
Current Ratio = 0.32 (Total Current Assets 1067.67b / Total Current Liabilities 3362.25b)
Debt / Equity = 0.42 (Debt 360.21b / totalStockholderEquity, last quarter 851.88b)
Debt / EBITDA = -27.33 (Net Debt -1399.84b / EBITDA 51.22b)
Debt / FCF = -54.22 (Net Debt -1399.84b / FCF TTM 25.82b)
Total Stockholder Equity = 876.67b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.09% (Net Income 6.64b / Total Assets 7365.52b)
RoE = 0.76% (Net Income TTM 6.64b / Total Stockholder Equity 876.67b)
RoCE = 2.57% (EBIT 23.89b / Capital Employed (Equity 876.67b + L.T.Debt 51.16b))
RoIC = 3.00% (NOPAT 32.68b / Invested Capital 1087.84b)
WACC = 22.31% (E(1556.94b)/V(1917.15b) * Re(12.25%) + D(360.21b)/V(1917.15b) * Rd(48.11%) * (1-Tc(-0.37)))
Discount Rate = 12.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.50%
[DCF Debug] Terminal Value 68.98% ; FCFE base≈784.16b ; Y1≈967.37b ; Y5≈1650.48b
Fair Price DCF = 199.1k (DCF Value 14950.40b / Shares Outstanding 75.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 17.37 | EPS CAGR: -57.87% | SUE: -2.62 | # QB: 0
Revenue Correlation: 51.53 | Revenue CAGR: 28.08% | SUE: 0.12 | # QB: 0
EPS next Year (2026-12-31): EPS=0.74 | Chg30d=-0.826 | Revisions Net=-1 | Growth EPS=+1853.9% | Growth Revenue=+12.0%
Additional Sources for SUPV Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle