Grupo Supervielle S.A. (SUPV) 10-Year Financial Performance & Capital Metrics

SUPV • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingLatin American Retail Banking

AboutGrupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal and Business Banking, Corporate Banking, Treasury and Finance, Capital Markets and Structuring, and Support Areas segments. It offers savings accounts, time and demand deposits, and checking accounts; various loan products, including personal, consumer, mortgage, unsecured, and car loans; overdrafts; loans with special facilities for project and working capital financing; and leasing, bank guarantees for tenants, salary advances, domestic and international factoring, international guarantees and letters of credit, payroll payment plans, credit cards, debit cards, and senior citizens benefit payment services, as well as financial services and investments, such as mutual funds and guarantees. The company also provides foreign trade and cash management; advisory services; treasury services; insurance products comprising personal accidents, protected bag, unemployment, total protection, and pets insurance policies; and asset management and other services, as well as operates as an online broker. As of December 31, 2021, it operates through a network of 298 access points, including 184 bank branches, 10 banking sales and collection centers, 79 points of sales, 20 Tarjeta Automática branches, and 5 Mila branches, as well as 450 ATMs, 230 self-service terminals, and 298 ATMs with biometric identification. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is headquartered in Buenos Aires, Argentina.Show more

Net Interest Income $774.46B +6.3%
Total Revenue $2044.82B -32.2%
Net Income $104.49B -7.0%
Return on Equity 13.55% -37.8%
Net Interest Margin 17.19% +5.8%
Efficiency Ratio 49.72% +43.9%
ROA 2.33% -31.2%
Equity / Assets 17.73% +6.8%
Book Value per Share 9084.20 +8.1%
Tangible BV/Share 7196.26 +6.8%
Debt/Equity 0.11 +927.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 17.2%
✓Efficient operations: 49.7% efficiency ratio
✓Well capitalized: 17.7% equity/assets
✓Trading at only 0.0x book value

✗Weaknesses

✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y78.12%

5Y67.52%

3Y37.08%

TTM-

Profit (Net Income) CAGR

10Y76.17%

5Y-

3Y-

TTM-110.18%

EPS CAGR

10Y54.14%

5Y-

3Y-

TTM-93.63%

ROCE

10Y Avg2.56%

5Y Avg5.63%

3Y Avg6.6%

Latest13.39%

Peer Comparison

Latin American Retail Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FBPFirst BanCorp.	3.39B	21.44	11.85	6.16%	25.04%	16.62%	11.64%	0.34
OFGOFG Bancorp	1.84B	41.92	9.91	13%	24.09%	14.59%	11.44%	0.34
BSBRBanco Santander (Brasil) S.A.	46.17B	6.18	7.10	6.31%	10.36%	7.84%		1.13
BAPCredicorp Ltd.	25.3B	318.78	4.61	6.4%	20.38%	17.35%	53.01%	1.07
IFSIntercorp Financial Services Inc.	5.01B	45.00	3.95	0.75%	14.68%	16.41%		1.08
INTRInter & Co, Inc.	2.63B	8.15	3.94	27.12%	9.34%	12.37%	100%	1.31
BBDBanco Bradesco S.A.	18.54B	3.51	2.15	-2%	6.91%	12.1%		4.08
ITUBItaú Unibanco Holding S.A.	40.24B	7.44	1.97	6.27%	12.61%	19.74%		4.09

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	3.51B	6.25B	21.7B	27.74B	21.17B	106.21B	260.57B	586.78B	728.39B	774.46B
NII Growth %	0.43%	0.78%	2.47%	0.28%	-0.24%	4.02%	1.45%	1.25%	0.24%	0.06%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	6.46B	10.41B	34.48B	64.21B	92.91B	190.23B	629.19B	1.71T	2.53T	1.66T
Interest Expense	2.95B	4.17B	12.78B	36.47B	71.74B	84.03B	368.62B	1.13T	1.8T	889.93B
Loan Loss Provision	507.51M	1B	5.74B	10.18B	14.87B	23.65B	43.77B	-22.05B	-11.98B	-4.61B
Non-Interest Income+	2.61B	3.57B	17.02B	30.81B	62.1B	52.12B	164.69B	251B	490.13B	380.43B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	9.07B	13.98B	51.5B	95.01B	155.02B	242.36B	793.88B	1.96T	3.02T	2.04T
Revenue Growth %	0.43%	0.54%	2.68%	0.84%	0.63%	0.56%	2.28%	1.47%	0.54%	-0.32%
Non-Interest Expense	4.67B	6.98B	32.34B	52.65B	72.48B	122.41B	390.32B	918.27B	1.04T	1.02T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	937.35M	1.83B	641.03M	-4.28B	-4.08B	12.27B	-8.83B	-58.44B	188.13B	142.87B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.63%	0.96%	-0.65%	-7.68%	0.05%	4.01%	-1.72%	-5.61%	4.22%	-0.24%
Pretax Income+	937.35M	1.83B	641.03M	-4.28B	-4.08B	12.27B	-8.83B	-58.44B	188.13B	142.87B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	247.16M	500.6M	1.8B	2.12B	346.66M	1.97B	1.7B	-24.31B	75.64B	38.3B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	674.11M	1.31B	-1.16B	-6.34B	-4.42B	10.29B	-10.52B	-34.09B	112.4B	104.49B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.86%	0.95%	-1.88%	-4.46%	0.3%	3.33%	-2.02%	-2.24%	4.3%	-0.07%
Net Income (Continuing)	690.19M	1.33B	-1.16B	-6.4B	-4.43B	10.29B	-10.53B	-34.13B	112.49B	104.57B
EPS (Diluted)+	22.20	20.50	31.00	-69.40	-48.40	57.85	-9.40	-172.30	582.95	1423.60
EPS Growth %	0.18%	-0.08%	0.51%	-3.24%	0.3%	2.2%	-1.16%	-17.33%	4.38%	1.44%
EPS (Basic)	13.45	20.35	-14.75	-69.40	-48.40	57.85	-9.40	-172.30	582.95	1423.60
Diluted Shares Outstanding	30.37M	64.46M	78.57M	91.34M	91.34M	91.34M	91.34M	90.85M	88.55M	87.93M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	2.8B	14.8B	16.42B	51.83B	36.13B	56.98B	82.66B	158.18B	553.26B	662.07B
Short Term Investments	0	1000K	1000K	1000K	0	0	0	0	1000K	1000K
Total Investments+	0	61.03B	85.32B	130.37B	118.33B	202.13B	409.24B	1.5T	1.54T	2.88T
Investments Growth %	-	-	0.4%	0.53%	-0.09%	0.71%	1.02%	2.67%	0.02%	0.88%
Long-Term Investments	0	61.03B	85.31B	130.36B	118.33B	202.13B	409.24B	1.5T	1.53T	2.88T
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	40.76M	165.97M	165.97M	2.68B	3.63B	5.49B	10.7B	31.03B	58.86B	58.86B
Intangible Assets	129.32M	473.73M	293.44M	1.49B	2.29B	4.74B	11.55B	38.34B	88.43B	107.16B
PP&E (Net)	235.3M	1.63B	2.06B	3.36B	5.45B	10.72B	21.5B	57.22B	111.39B	101.94B
Other Assets	29.84B	3.81B	9.05B	4.95B	14.26B	51.51B	120.12B	174.92B	1.87T	276.37B
Total Current Assets	2.8B	32.02B	37.2B	73.94B	56.18B	96.59B	181.07B	323.32B	790.55B	1.07T
Total Non-Current Assets	30.24B	68.1B	98.03B	144.1B	146.24B	279.61B	579.41B	1.84T	3.69T	3.44T
Total Assets+	33.05B	100.12B	135.23B	218.03B	202.42B	376.19B	760.48B	2.17T	4.48T	4.51T
Asset Growth %	0.42%	2.03%	0.35%	0.61%	-0.07%	0.86%	1.02%	1.85%	1.07%	0.01%
Return on Assets (ROA)	0.02%	0.02%	-0.01%	-0.04%	-0.02%	0.04%	-0.02%	-0.02%	0.03%	0.02%
Accounts Payable	266.66M	972.92M	1.78B	2.3B	3.21B	5.53B	11.51B	50.44B	85.14B	55.86B
Total Debt+	1.91B	7.4B	13.69B	16.45B	12.9B	9.89B	4.71B	6.63B	8.27B	91.25B
Net Debt	-895.16M	-7.4B	-2.72B	-35.38B	-23.24B	-47.1B	-77.95B	-151.55B	-544.99B	-570.82B
Long-Term Debt	1.91B	6.32B	13.69B	16.45B	11.17B	8.1B	2.06B	1.75B	0	51.16B
Short-Term Debt	0	1.09B	0	0	435.4M	0	0	0	2.05B	33.96B
Other Liabilities	17.97B	11.08B	13.46B	22.74B	26.62B	25.61B	65.28B	98.9B	238.27B	288.52B
Total Current Liabilities	638.14M	70.58B	87.68B	152.21B	130.48B	286.5B	591.2B	1.77T	3.49T	3.36T
Total Non-Current Liabilities	29.96B	17.49B	27.25B	39.72B	40.03B	35.84B	68.86B	104.13B	245.97B	344.8B
Total Liabilities	30.6B	88.07B	114.94B	191.93B	170.52B	322.34B	660.06B	1.88T	3.74T	3.71T
Total Equity+	2.44B	12.05B	20.29B	26.1B	31.91B	53.86B	100.42B	287.54B	743.99B	798.8B
Equity Growth %	0.39%	3.93%	0.68%	0.29%	0.22%	0.69%	0.86%	1.86%	1.59%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.32%	0.18%	-0.07%	-0.27%	-0.15%	0.24%	-0.14%	-0.18%	0.22%	0.14%
Book Value per Share	80.50	186.95	258.28	285.76	349.28	589.58	1099.32	3164.87	8402.37	9084.20
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	248.97M	363.78M	456.72M	456.72M	456.72M	456.72M	456.72M	444.41M	442.67M	437.73M
Additional Paid-in Capital	91.54M	6.81B	15.84B	24.36B	33.16B	43.56B	84.85B	264.23B	554.29B	554.29B
Retained Earnings	699.01M	1.36B	-755.72M	-9.7B	-19.6B	3.06B	-7.45B	-31.64B	97.27B	89.74B
Accumulated OCI	1.33B	2.01B	3.3B	8.82B	14.78B	2.02B	12.87B	27.69B	34.8B	106.59B
Treasury Stock	0	0	0	0	0	0	0	-1.73B	-4.82B	-12.48B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.45B	-294.35M	-27.82B	55.42B	138.49B	-9.81B	304.33B	565.34B	157.95B	518.86B
Operating CF Growth %	0.39%	-1.12%	-93.5%	2.99%	1.5%	-1.07%	32.03%	0.86%	-0.72%	2.28%
Net Income	674.11M	1.31B	-1.16B	-6.34B	-4.42B	5.28B	-10.52B	-15.65B	51.62B	104.57B
Depreciation & Amortization	73.25M	98.59M	956.82M	904.96M	3.73B	3.63B	25.63B	29.15B	25.1B	52.26B
Deferred Taxes	0	0	1.8B	0	0	0	0	0	34.73B	0
Other Non-Cash Items	1.7B	-1.7B	-41.38B	-7.67B	12.99B	-49.32B	-161.89B	-193.82B	-348.54B	-1.61T
Working Capital Changes	0	0	11.97B	68.53B	126.2B	30.6B	451.12B	745.67B	395.04B	1.97T
Cash from Investing+	-188.83M	-477.26M	-613.06M	-9.3B	-2.68B	-6.57B	-28.48B	-23.53B	-18.89B	-46.24B
Purchase of Investments	0	0	-167.8M	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	1000K	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	-3.85B	-406.78M	-11.01M	0	0	0	0
Other Investing	-188.83M	16.99M	1.03B	532.16M	16.48M	571.08M	1.99B	2.51B	5.86B	10.98B
Cash from Financing+	870.69M	2.39B	28.43B	-13.99B	-225.19B	22.28B	-329.09B	-599.33B	-1T	-1.05T
Dividends Paid	-7.38M	-25.5M	-170.38M	-687.69M	-957.83M	-800.09M	-3.12B	-1.53B	0	-27.96B
Share Repurchases	0	0	0	0	0	0	0	-4.31B	-858.8M	-9.92B
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K
Other Financing	-16.62M	2.17B	115.5B	-19.24B	-220.5B	-19.65B	-15.66B	-174.25B	-996.1B	-1.1T
Net Change in Cash+	3.57B	2.07B	21.59B	49.72B	-40.97B	2.16B	211.75B	-101.91B	83.31B	214.53B
Exchange Rate Effect	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash at Beginning	4.05B	7.62B	27.08B	48.66B	98.38B	57.41B	59.57B	271.32B	169.41B	548.21B
Cash at End	7.62B	9.69B	48.66B	98.38B	57.41B	59.57B	271.32B	169.41B	252.72B	762.74B
Interest Paid	0	0	0	0	0	0	0	0	0	8.89B
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	2.45B	-788.6M	-29.32B	49.44B	136.2B	-16.94B	273.86B	539.3B	133.2B	461.47B
FCF Growth %	0.43%	-1.32%	-36.18%	2.69%	1.75%	-1.12%	17.17%	0.97%	-0.75%	2.46%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	32.05%	18.09%	-7.18%	-27.34%	-15.24%	24%	-13.64%	-17.57%	21.79%	13.55%
Return on Assets (ROA)	2.4%	1.97%	-0.99%	-3.59%	-2.1%	3.56%	-1.85%	-2.33%	3.38%	2.33%
Net Interest Margin	10.62%	6.24%	16.05%	12.72%	10.46%	28.23%	34.26%	27.09%	16.25%	17.19%
Efficiency Ratio	51.51%	49.9%	62.8%	55.41%	46.75%	50.51%	49.17%	46.77%	34.56%	49.72%
Equity / Assets	7.4%	12.04%	15.01%	11.97%	15.76%	14.32%	13.2%	13.28%	16.6%	17.73%
Book Value / Share	80.5	186.95	258.28	285.76	349.28	589.58	1.1K	3.16K	8.4K	9.08K
NII Growth	42.59%	78.04%	247.45%	27.82%	-23.68%	401.68%	145.34%	125.19%	24.13%	6.32%
Dividend Payout	1.1%	1.94%	-	-	-	7.78%	-	-	-	26.76%

Frequently Asked Questions

Valuation & Price

Grupo Supervielle S.A. (SUPV) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Grupo Supervielle S.A. (SUPV) saw revenue decline by 32.2% over the past year.

Grupo Supervielle S.A. (SUPV) reported a net loss of $14.04B for fiscal year 2024.

Dividend & Returns

Yes, Grupo Supervielle S.A. (SUPV) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

Grupo Supervielle S.A. (SUPV) has a return on equity (ROE) of 13.5%. This is reasonable for most industries.

Industry Metrics

Grupo Supervielle S.A. (SUPV) has a net interest margin (NIM) of 17.2%. This indicates healthy earnings from lending activities.

Grupo Supervielle S.A. (SUPV) has an efficiency ratio of 49.7%. This is excellent, indicating strong cost control.

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