SUPV Stock Analysis: Grupo Supervielle | NYSE
Banks - Regional | NYSE, USA | Market Cap: 903m USD | 12M Return: -3.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.94M
Qual. Beats: 0
Rev. Trend: -43.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Grupo Supervielle S.A. is an Argentina-based financial services holding company that operates through five business segments: Personal & Business Banking, Corporate Banking, Bank Treasury, Insurance, and Asset Management and Other Services. Its product portfolio spans traditional retail banking (savings and checking accounts, time deposits, consumer and mortgage loans, and credit/debit cards), corporate banking services (leasing, factoring, letters of credit, working capital financing, and cash management), insurance (life, home, auto, and SME-focused policies), and asset management products such as mutual funds. The company distributes its offerings through a physical network of branches, ATMs, and self-service terminals, as well as a digital online brokerage platform.
As a member of the Diversified Banks sub-industry within the Financials sector, Grupo Supervielle is a relatively small player by global standards, and its earnings are closely tied to the macroeconomic and currency environment of Argentina. The company has roots dating back to 1887 and has been publicly listed on the NYSE under the ticker SUPV since 2016, following a corporate reorganization from its former name, Inversiones y Participaciones S.A.
- Argentine inflation and peso dynamics boost net interest margins
- Loan growth in personal and SME banking segments accelerates
- BCRA rate cuts compress net interest income going forward
| Net Income: -23.2b TTM > 0 and > 6% of Revenue |
| FCF/TA: -16.88 > 0.02 and ΔFCF/TA -1.69k > 1.0 |
| NWC/Revenue: -24.58% < 20% (prev -167.9%; Δ 143.3% < -1%) |
| CFO/TA -112.3 > 3% & CFO -662b > Net Income -23.2b |
| Net Debt (118b) to EBITDA (10.9b): 10.87 < 3 |
| Current Ratio: 0.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (79.0m) vs 12m ago -9.75% < -2% |
| Gross Margin: 43.13% > 18% (prev 43.67%; Δ -0.54% > 0.5%) |
| Asset Turnover: 59.42% > 50% (prev 29.29%; Δ 30.13% > 0%) |
| Interest Coverage Ratio: -0.07 > 6 (EBIT TTM -46.2b / Interest Expense TTM 690b) |
| A: -66.49 (Total Current Assets 1.05b - Total Current Liabilities 393b) / Total Assets 5.90b |
| B: -0.01 (Retained Earnings -50.8m / Total Assets 5.90b) |
| C: -0.02 (EBIT TTM -46.2b / Avg Total Assets 2686b) |
| D: 0.15 (Book Value of Equity 786.7m / Total Liabilities 5.11b) |
| Altman-Z'' = -436.2 = D |
As of July 08, 2026, the stock is trading at USD 9.79 with a total of 407,207 shares traded. Over the past week, the price has changed by +0.93%, over one month by +5.16%, over three months by +6.76% and over the past year by -3.17%.
Current recommended Stop Loss: 8.60 (which is 12.2% or 1.9 ATR below the current price).
Grupo Supervielle has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy SUPV.
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 13.1 | 33.4% |
Market Cap ARS = 1347b (902.6m USD * 1492.0 USD.ARS)
P/E Forward = 7.8247
P/S = 0.0012
P/B = 1.1362
P/EG = 0.29
Revenue TTM = 1596b ARS
EBIT TTM = -46.2b ARS
EBITDA TTM = 10.9b ARS
Long Term Debt = 106b ARS (from longTermDebt, last quarter)
Short Term Debt = 743.6m ARS (from shortTermDebt, last quarter)
Debt = 119b ARS (corrected: LT Debt 106b + ST Debt 743.6m) + Leases 12.6b
Net Debt = 118b ARS (calculated: Debt 119b - CCE 1.05b)
Enterprise Value = 1465b ARS (1347b + Debt 119b - CCE 1.05b)
Interest Coverage Ratio = -0.07 (Ebit TTM -46.2b / Interest Expense TTM 690b)
EV/FCF = -14.71x (Enterprise Value 1465b / FCF TTM -99.6b)
FCF Yield = -6.80% (FCF TTM -99.6b / Enterprise Value 1465b)
FCF Margin = -6.24% (FCF TTM -99.6b / Revenue TTM 1596b)
Net Margin = -1.45% (Net Income TTM -23.2b / Revenue TTM 1596b)
Gross Margin = 43.13% ((Revenue TTM 1596b - Cost of Revenue TTM 908b) / Revenue TTM)
Gross Margin QoQ = 46.04% (prev 34.51%)
Tobins Q-Ratio = 248.4 (set to none) (Enterprise Value 1465b / Total Assets 5.90b)
Interest Expense / Debt = 578.1% (Interest Expense 690b / Debt 119b)
Taxrate = 21.0% (US federal default 21%)
NOPAT = -36.5b (EBIT -46.2b * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.00 (Total Current Assets 1.05b / Total Current Liabilities 449b)
Debt / Equity = 151.8 (Debt 119b / totalStockholderEquity, last quarter 786.7m)
Debt / EBITDA = 10.87 (Net Debt 118b / EBITDA 10.9b)
Debt / FCF = -1.19 (negative FCF - burning cash) (Net Debt 118b / FCF TTM -99.6b)
Total Stockholder Equity = 698b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.86% (Net Income -23.2b / Total Assets 5.90b)
RoE = -3.32% (Net Income TTM -23.2b / Total Stockholder Equity 698b)
RoCE = -5.75% (EBIT -46.2b / Capital Employed (Equity 698b + L.T.Debt 106b))
RoIC = -752.4% (out of range, set to none) (NOPAT -36.5b / Invested Capital 4.85b)
WACC = 9.18% (E(1347b)/V(1466b) * Re(9.99%) + (debt cost/tax rate unavailable))
Discount Rate = 9.99% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -75.02 | Cagr: -4.88%
[DCF] Fair Price = unknown (Cash Flow -99.6b)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.58 | # QB: 0
Revenue Correlation: -42.96 | Revenue CAGR: -15.54% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.27 | Chg30d=-53.98% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.21 | Chg30d=+10.41% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=0.66 | Chg30d=-36.41% | Revisions=+25% | GrowthEPS=+268.1% | GrowthRev=+25.8%
EPS next Year (2027-12-31): EPS=1.34 | Chg30d=+0.68% | Revisions=+0% | GrowthEPS=+102.1% | GrowthRev=+18.3%
[Analyst] Revisions Ratio: +17% (up=2, down=1)