SUPV vs GGAL vs BMA vs BBAR vs BSAC

For growth investors, Grupo Supervielle S.

A. (SUPV) is the stronger pick with 13. 7% revenue growth year-over-year, versus -33. 3% for Banco Macro S. A. (BMA). Banco Santander-Chile (BSAC) offers the better valuation at 0. 0x 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.

On trailing P/E, Banco Santander-Chile (BSAC) is the cheapest at 0.

0x versus Banco Macro S. A. at 20. 4x. On forward P/E, Grupo Financiero Galicia S. A. is actually cheaper at 0. 0x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Grupo Financiero Galicia S. A. wins at 0. 00x versus Banco BBVA Argentina S. A. 's 0. 00x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Banco BBVA Argentina S.

A. (BBAR) delivered a total return of +534. 2%, compared to +54. 5% for Banco Santander-Chile (BSAC). Over 10 years, the gap is even starker: BSAC returned +125. 2% versus SUPV's -18. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Banco Santander-Chile (BSAC) is the lower-risk stock at 0.

94β versus Grupo Supervielle S. A. 's 2. 51β — meaning SUPV is approximately 167% more volatile than BSAC relative to the S&P 500. On balance sheet safety, Banco Macro S. A. (BMA) carries a lower debt/equity ratio of 11% versus 3% for Banco Santander-Chile — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Grupo Supervielle S.

A. (SUPV) is pulling ahead at 13. 7% versus -33. 3% for Banco Macro S. A. (BMA). On earnings-per-share growth, the picture is similar: Banco Santander-Chile grew EPS 492. 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.

Banco Santander-Chile (BSAC) is the more profitable company, earning 21.

9% net margin versus -2. 4% for Grupo Supervielle S. A. — meaning it keeps 21. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BSAC leads at 26. 7% versus -4. 8% for SUPV. At the gross margin level — before operating expenses — BMA leads at 68. 3%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Grupo Financiero Galicia S. A. (GGAL) is the more undervalued stock at a PEG of 0. 00x versus Banco BBVA Argentina S. A. 's 0. 00x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Grupo Financiero Galicia S. A. (GGAL) trades at 0. 0x forward P/E versus 0. 0x for Banco Santander-Chile — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BMA: 73. 6% to $130. 00.

All stocks in this comparison pay dividends.

Banco Santander-Chile (BSAC) offers the highest yield at 100. 0%, versus 2. 1% for Banco BBVA Argentina S. A. (BBAR).

For long-horizon retirement investors, Banco Santander-Chile (BSAC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

94), 100. 0% yield, +125. 2% 10Y return). 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 (BSAC: +125. 2%, SUPV: -18. 9%), 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.

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; BMA is a small-cap income-oriented stock; BBAR is a small-cap deep-value stock; BSAC is a mid-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.