(SUPV) Grupo Supervielle - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 766m USD | Total Return: -50.3% in 12m
Avg Turnover: 6.51M
Qual. Beats: 0
Rev. Trend: -54.4%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
Confidence
Grupo Supervielle S.A. (SUPV) is a Buenos Aires-based financial services holding company that has operated in Argentina since 1887. The company utilizes a multi-channel distribution model, combining a physical network of branches and ATMs with digital brokerage services to serve retail, corporate, and SME clients. Its operations are organized into distinct segments including Personal & Business Banking, Corporate Banking, Treasury, Insurance, and Asset Management.
The company’s service suite encompasses traditional deposit products, credit facilities, and specialized trade finance tools such as factoring and letters of credit. As a participant in the Argentine banking sector, Supervielle operates in a high-inflation environment where financial institutions often generate significant revenue through net interest margins and fee-based services like payroll processing and insurance brokerage. For a deeper look into the companys valuation metrics and historical performance, consider reviewing the detailed data available on ValueRay.
Beyond standard banking, the group provides essential infrastructure for senior citizens through benefit payments and offers tailored insurance products for entrepreneurs. This diversified business model allows the firm to capture value across the entire financial lifecycle, from individual savings to complex corporate advisory and asset management services.
- Argentine central bank monetary policy shifts impact net interest margin volatility
- Domestic inflation levels dictate real loan growth and operating expense structures
- Digital transformation initiatives drive efficiency ratios and customer acquisition costs
- Sovereign debt stability and currency fluctuations influence institutional asset valuations
- Consumer credit demand sensitivity to local macroeconomic recovery cycles affects revenue
| Net Income: -6.16b TTM > 0 and > 6% of Revenue |
| FCF/TA: 9.32 > 0.02 and ΔFCF/TA 922.5 > 1.0 |
| NWC/Revenue: -38.29% < 20% (prev -167.9%; Δ 129.6% < -1%) |
| CFO/TA 14.95 > 3% & CFO 88.2b > Net Income -6.16b |
| Net Debt (118b) to EBITDA (33.2b): 3.56 < 3 |
| Current Ratio: 0.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (79.0m) vs 12m ago -9.75% < -2% |
| Gross Margin: 41.50% > 18% (prev 0.63%; Δ 4.09k% > 0.5%) |
| Asset Turnover: 38.14% > 50% (prev 29.29%; Δ 8.85% > 0%) |
| Interest Coverage Ratio: -0.05 > 6 (EBITDA TTM 33.2b / Interest Expense TTM 447b) |
| 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: -0.01 (EBIT TTM -23.9b / Avg Total Assets 2686b) |
| D: 0.03 (Book Value of Equity 156.6m / Total Liabilities 5.11b) |
| Altman-Z'' = -436.3 = D |
As of May 24, 2026, the stock is trading at USD 8.36 with a total of 782,000 shares traded.
Over the past week, the price has changed by +5.73%,
over one month by -16.88%,
over three months by -23.60% and
over the past year by -50.25%.
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 | 12.8 | 53.3% |
P/E Forward = 7.8247
P/S = 0.001
P/B = 0.9411
P/EG = 0.29
Revenue TTM = 1024b ARS
EBIT TTM = -23.9b ARS
EBITDA TTM = 33.2b 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 = 1189b ARS (1071b + Debt 119b - CCE 1.05b)
Interest Coverage Ratio = -0.05 (Ebit TTM -23.9b / Interest Expense TTM 447b)
EV/FCF = 21.64x (Enterprise Value 1189b / FCF TTM 54.9b)
FCF Yield = 4.62% (FCF TTM 54.9b / Enterprise Value 1189b)
FCF Margin = 5.36% (FCF TTM 54.9b / Revenue TTM 1024b)
Net Margin = -0.60% (Net Income TTM -6.16b / Revenue TTM 1024b)
Gross Margin = 41.50% ((Revenue TTM 1024b - Cost of Revenue TTM 599b) / Revenue TTM)
Gross Margin QoQ = 43.60% (prev 34.51%)
Tobins Q-Ratio = 201.6 (set to none) (Enterprise Value 1189b / Total Assets 5.90b)
Interest Expense / Debt = 374.4% (Interest Expense 447b / Debt 119b)
Taxrate = 21.0% (US default 21%)
NOPAT = -18.9b (EBIT -23.9b * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.00 (Total Current Assets 1.05b / Total Current Liabilities 393b)
Debt / Equity = 151.8 (Debt 119b / totalStockholderEquity, last quarter 786.7m)
Debt / EBITDA = 3.56 (Net Debt 118b / EBITDA 33.2b)
Debt / FCF = 2.15 (Net Debt 118b / FCF TTM 54.9b)
Total Stockholder Equity = 698b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.23% (Net Income -6.16b / Total Assets 5.90b)
RoE = -0.88% (Net Income TTM -6.16b / Total Stockholder Equity 698b)
RoCE = -2.97% (EBIT -23.9b / Capital Employed (Equity 698b + L.T.Debt 106b))
RoIC = -322.0% (out of range, set to none) (NOPAT -18.9b / Invested Capital 5.86b)
WACC = 8.67% (E(1071b)/V(1190b) * Re(9.64%) + (debt cost/tax rate unavailable))
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -75.02 | Cagr: -4.88%
[DCF] Terminal Value 71.89% ; FCFF base≈228b ; Y1≈200b ; Y5≈161b
[DCF] Fair Price = 31.1k (EV 2456b - Net Debt 118b = Equity 2338b / Shares 75.2m; r=8.67% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.84 | # QB: 0
Revenue Correlation: -54.35 | Revenue CAGR: -21.11% | SUE: -0.72 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.58 | Chg30d=+330.67% | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.19 | Chg30d=-5.74% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=1.04 | Chg30d=+47.84% | Revisions=+20% | GrowthEPS=+364.4% | GrowthRev=+24.5%
EPS next Year (2027-12-31): EPS=1.33 | Chg30d=+0.75% | Revisions=+0% | GrowthEPS=+27.6% | GrowthRev=+18.8%
[Analyst] Revisions Ratio: +20%