SUPV
Grupo Supervielle S.A.
Banks - Regional
Market Cap$765M
5Y Perf.+343.7%
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Stock Comparison
SUPV vs GGAL
Revenue, margins, valuation, and 5-year total return — side by side.
GGAL
Grupo Financiero Galicia S.A.
Banks - Regional
Market Cap$5.76B
5Y Perf.+442.3%
SUPV vs GGAL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SUPV | GGAL |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $765M | $5.76B |
| Revenue (TTM) | $2.33T | $10.63T |
| Net Income (TTM) | $-48.45B | $915.98B |
| Gross Margin | 39.5% | 62.7% |
| Operating Margin | -4.8% | 20.8% |
| Forward P/E | 0.0x | 0.0x |
| Total Debt | $1.05T | $2.16T |
| Cash & Equiv. | $1.60T | $3.76T |
SUPV vs GGAL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SUPV
GGAL
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Supervielle S… (SUPV) | 100 | 443.7 | +343.7% |
| Grupo Financiero Ga… (GGAL) | 100 | 542.3 | +442.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SUPV vs GGAL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: GGAL leads in 6 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Grupo Supervielle S.A. is the stronger pick specifically for growth and revenue expansion. As sector peers, any of these can serve as alternatives in the same allocation.
SUPV
Grupo Supervielle S.A.
The Banking Pick
SUPV is the clearest fit if your priority is growth exposure.
- Rev growth 13.7%, EPS growth -145.9%
- 13.7% NII/revenue growth vs GGAL's -23.5%
Best for: growth exposure
GGAL
Grupo Financiero Galicia S.A.
The Banking Pick
GGAL carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 1.73, yield 6.8%
- 76.7% 10Y total return vs SUPV's -17.6%
- Lower volatility, beta 1.73, Low D/E 35.6%, current ratio 0.66x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | SUPV | 13.7% NII/revenue growth vs GGAL's -23.5% |
| Value | GGAL | Lower P/E (0.0x vs 0.0x) |
| Quality / Margins | GGAL | Efficiency ratio 0.4% vs SUPV's 0.4% (lower = leaner) |
| Stability / Safety | GGAL | Beta 1.73 vs SUPV's 2.51, lower leverage |
| Dividends | GGAL | 6.8% yield, vs SUPV's 3.6% |
| Momentum (1Y) | GGAL | -22.8% vs SUPV's -38.8% |
| Efficiency (ROA) | GGAL | Efficiency ratio 0.4% vs SUPV's 0.4% |
SUPV vs GGAL — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLGGALLAGGINGSUPV
SUPVGrupo Supervielle S.A.
1leads
GGALGrupo Financiero Gali…
4leads
6 Total Categories
CATEGORYLEADERvs SUPVMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GGAL5/5
Valuation MetricsMultiples, price ratios, and targets
SUPV3/4
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GGAL7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
GGAL6/6
Risk & VolatilityBeta, volatility, and downside exposure
GGAL2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
GGAL leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
GGAL is the larger business by revenue, generating $10.63T annually — 4.6x SUPV's $2.33T. GGAL is the more profitable business, keeping 15.3% of every revenue dollar as net income compared to SUPV's -2.4%.
| Metric | SUPVGrupo Supervielle… | GGALGrupo Financiero … |
|---|---|---|
| RevenueTrailing 12 months | $2.33T | $10.63T |
| EBITDAEarnings before interest/tax | -$73.4B | $1.35T |
| Net IncomeAfter-tax profit | -$48.4B | $916.0B |
| Free Cash FlowCash after capex | -$725.2B | $3.62T |
| Gross MarginGross profit ÷ Revenue | +39.5% | +62.7% |
| Operating MarginEBIT ÷ Revenue | -4.8% | +20.8% |
| Net MarginNet income ÷ Revenue | -2.4% | +15.3% |
| FCF MarginFCF ÷ Revenue | -48.6% | -27.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -157.4% | -138.6% |
GGAL leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
SUPV leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
| Metric | SUPVGrupo Supervielle… | GGALGrupo Financiero … |
|---|---|---|
| Market CapShares × price | $765M | $5.8B |
| Enterprise ValueMkt cap + debt − cash | $371M | $4.6B |
| Trailing P/EPrice ÷ TTM EPS | -18.65x | 5.10x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.01x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.04x |
| EV / EBITDAEnterprise value multiple | — | 2.68x |
| Price / SalesMarket cap ÷ Revenue | 0.46x | 0.75x |
| Price / BookPrice ÷ Book value/share | 1.06x | 1.48x |
| Price / FCFMarket cap ÷ FCF | — | — |
SUPV leads this category, winning 3 of 4 comparable metrics.
Profitability & Efficiency
GGAL leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
GGAL delivers a 12.9% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $-5 for SUPV. GGAL carries lower financial leverage with a 0.36x debt-to-equity ratio, signaling a more conservative balance sheet compared to SUPV's 1.04x. On the Piotroski fundamental quality scale (0–9), GGAL scores 3/9 vs SUPV's 2/9, reflecting mixed financial health.
| Metric | SUPVGrupo Supervielle… | GGALGrupo Financiero … |
|---|---|---|
| ROE (TTM)Return on equity | -5.2% | +12.9% |
| ROA (TTM)Return on assets | -0.7% | +2.2% |
| ROICReturn on invested capital | -5.7% | +31.0% |
| ROCEReturn on capital employed | -2.6% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 3 |
| Debt / EquityFinancial leverage | 1.04x | 0.36x |
| Net DebtTotal debt minus cash | -$549.2B | -$203.1B |
| Cash & Equiv.Liquid assets | $1.60T | $3.76T |
| Total DebtShort + long-term debt | $1.05T | $2.16T |
| Interest CoverageEBIT ÷ Interest expense | -0.11x | 0.71x |
GGAL leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
GGAL leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GGAL five years ago would be worth $65,574 today (with dividends reinvested), compared to $52,009 for SUPV. Over the past 12 months, GGAL leads with a -22.8% total return vs SUPV's -38.8%. The 3-year compound annual growth rate (CAGR) favors GGAL at 59.5% vs SUPV's 58.7% — a key indicator of consistent wealth creation.
| Metric | SUPVGrupo Supervielle… | GGALGrupo Financiero … |
|---|---|---|
| YTD ReturnYear-to-date | -24.1% | -17.7% |
| 1-Year ReturnPast 12 months | -38.8% | -22.8% |
| 3-Year ReturnCumulative with dividends | +299.6% | +305.9% |
| 5-Year ReturnCumulative with dividends | +420.1% | +555.7% |
| 10-Year ReturnCumulative with dividends | -17.6% | +76.7% |
| CAGR (3Y)Annualised 3-year return | +58.7% | +59.5% |
GGAL leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
GGAL leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
GGAL is the less volatile stock with a 1.73 beta — it tends to amplify market swings less than SUPV's 2.51 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GGAL currently trades 66.3% from its 52-week high vs SUPV's 51.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SUPVGrupo Supervielle… | GGALGrupo Financiero … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.51x | 1.73x |
| 52-Week HighHighest price in past year | $16.90 | $65.48 |
| 52-Week LowLowest price in past year | $4.54 | $25.89 |
| % of 52W HighCurrent price vs 52-week peak | +51.7% | +66.3% |
| RSI (14)Momentum oscillator 0–100 | 36.1 | 32.6 |
| Avg Volume (50D)Average daily shares traded | 841K | 1.2M |
GGAL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — SUPV and GGAL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SUPV as "Sell" and GGAL as "Buy". Consensus price targets imply 39.3% upside for GGAL (target: $61) vs -19.9% for SUPV (target: $7). For income investors, GGAL offers the higher dividend yield at 6.85% vs SUPV's 3.59%.
| Metric | SUPVGrupo Supervielle… | GGALGrupo Financiero … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Sell | Buy |
| Price TargetConsensus 12-month target | $7.00 | $60.50 |
| # AnalystsCovering analysts | 8 | 12 |
| Dividend YieldAnnual dividend ÷ price | +3.6% | +6.8% |
| Dividend StreakConsecutive years of raises | 2 | 0 |
| Dividend / ShareAnnual DPS | $437.61 | $4146.37 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.0% |
Evenly matched — SUPV and GGAL each lead in 1 of 2 comparable metrics.
Key Takeaway
GGAL leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). SUPV leads in 1 (Valuation Metrics). 1 tied.
Best OverallGrupo Financiero Galicia S.… (GGAL)Leads 4 of 6 categories
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SUPV vs GGAL: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SUPV or GGAL a better buy right now?
For growth investors, Grupo Supervielle S.
A. (SUPV) is the stronger pick with 13. 7% revenue growth year-over-year, versus -23. 5% for Grupo Financiero Galicia S. A. (GGAL). Grupo Financiero Galicia S. A. (GGAL) offers the better valuation at 5. 1x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Grupo Financiero Galicia S. A. (GGAL) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SUPV or GGAL?
On forward P/E, Grupo Financiero Galicia S.
A. is actually cheaper at 0. 0x.
03Which is the better long-term investment — SUPV or GGAL?
Over the past 5 years, Grupo Financiero Galicia S.
A. (GGAL) delivered a total return of +555. 7%, compared to +420. 1% for Grupo Supervielle S. A. (SUPV). Over 10 years, the gap is even starker: GGAL returned +76. 7% versus SUPV's -17. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SUPV or GGAL?
By beta (market sensitivity over 5 years), Grupo Financiero Galicia S.
A. (GGAL) is the lower-risk stock at 1. 73β versus Grupo Supervielle S. A. 's 2. 51β — meaning SUPV is approximately 45% more volatile than GGAL relative to the S&P 500. On balance sheet safety, Grupo Financiero Galicia S. A. (GGAL) carries a lower debt/equity ratio of 36% versus 104% for Grupo Supervielle S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — SUPV or GGAL?
By revenue growth (latest reported year), Grupo Supervielle S.
A. (SUPV) is pulling ahead at 13. 7% versus -23. 5% for Grupo Financiero Galicia S. A. (GGAL). On earnings-per-share growth, the picture is similar: Grupo Financiero Galicia S. A. grew EPS 119. 6% year-over-year, compared to -145. 9% for Grupo Supervielle S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SUPV or GGAL?
Grupo Financiero Galicia S.
A. (GGAL) is the more profitable company, earning 15. 3% net margin versus -2. 4% for Grupo Supervielle S. A. — meaning it keeps 15. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GGAL leads at 20. 8% versus -4. 8% for SUPV. At the gross margin level — before operating expenses — GGAL leads at 62. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is SUPV or GGAL more undervalued right now?
On forward earnings alone, Grupo Financiero Galicia S.
A. (GGAL) trades at 0. 0x forward P/E versus 0. 0x for Grupo Supervielle S. A. — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GGAL: 39. 3% to $60. 50.
08Which pays a better dividend — SUPV or GGAL?
All stocks in this comparison pay dividends.
Grupo Financiero Galicia S. A. (GGAL) offers the highest yield at 6. 8%, versus 3. 6% for Grupo Supervielle S. A. (SUPV).
09Is SUPV or GGAL better for a retirement portfolio?
For long-horizon retirement investors, Grupo Financiero Galicia S.
A. (GGAL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (6. 8% yield). Grupo Supervielle S. A. (SUPV) carries a higher beta of 2. 51 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (GGAL: +76. 7%, SUPV: -17. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between SUPV and GGAL?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: SUPV is a small-cap income-oriented stock; GGAL is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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