The bank's capital adequacy is under pressure, with an equity-to-assets ratio of 0.13 and a heavy concentration of $3.8B in investment securities relative to $5.9B in total assets.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 |
|---|
| Cash & Short Term Investments | 4.4T | 1.6T | 662.73B | 553.95B | 158.18B | 82.66B | 56.98B | 36.13B | 51.84B | 16.43B | 14.81B | 2.8B | 1.79B | 1.15B |
| Cash & Due from Banks | 1.05B | 1.6T | 662.07B | 553.26B | 158.18B | 82.66B | 56.98B | 36.13B | 51.83B | 16.42B | 14.8B | 2.8B | 1.79B | 1.15B |
| Short Term Investments | 0 | 0 | 658.37M | 690.07M | 0 | 0 | 0 | 0 | 8.8M | 11.69M | 1.35M | 0 | 0 | 0 |
| Total Investments | 3.82B | 5.7T | 2.88T | 1.54T | 1.5T | 409.24B | 202.13B | 118.33B | 130.37B | 85.32B | 61.03B | 0 | 0 | 0 |
| Investments Growth % | 183.07% | 98.03% | 87.51% | 2.16% | 267.3% | 102.46% | 70.82% | -9.23% | 52.79% | 39.81% | - | - | - | - |
| Long-Term Investments | 14.35T | 5.7T | 2.88T | 1.53T | 1.5T | 409.24B | 202.13B | 118.33B | 130.36B | 85.31B | 61.03B | 0 | 0 | 0 |
| Accounts Receivables | 0 | 0 | 9.09B | 54.37B | 2.4B | 19.21B | 1.63B | 188.68M | 6.34M | 33.47M | 8.74M | 451.18M | 366.67M | 268.68M |
| Goodwill & Intangibles | 178.52M | 231.75B | 166.01B | 147.28B | 69.37B | 22.25B | 10.24B | 5.92B | 4.17B | 459.42M | 639.71M | 170.08M | 149.25M | 59.42M |
| Goodwill | 61.29M | 77.39B | 58.86B | 58.86B | 31.03B | 10.7B | 5.49B | 3.63B | 2.68B | 165.97M | 165.97M | 40.76M | 49.76M | 59.42M |
| Intangible Assets | 117.23M | 154.35B | 107.16B | 88.43B | 38.34B | 11.55B | 4.74B | 2.29B | 1.49B | 293.44M | 473.73M | 129.32M | 99.48M | 0 |
| PP&E (Net) | 102.74M | 132.61B | 101.94B | 111.39B | 57.22B | 21.5B | 10.72B | 5.45B | 3.36B | 2.06B | 1.63B | 235.3M | 225.12M | 166.01M |
| Other Assets | 678.27M | 43.94B | 276.37B | 1.87T | 174.92B | 120.12B | 51.51B | 14.26B | 4.95B | 9.05B | 3.81B | 29.84B | 21.08B | 16.04B |
| Total Current Assets | 1.05B | 1.6T | 1.07T | 790.55B | 323.32B | 181.07B | 96.59B | 56.18B | 73.94B | 37.2B | 32.02B | 2.8B | 1.79B | 1.15B |
| Total Non-Current Assets | 4.85B | 6.19T | 3.44T | 3.69T | 1.84T | 579.41B | 279.61B | 146.24B | 144.1B | 98.03B | 68.1B | 30.24B | 21.45B | 16.27B |
| Total Assets | 5.9B | 7.79T | 4.51T | 4.48T | 2.17T | 760.48B | 376.19B | 202.42B | 218.03B | 135.23B | 100.12B | 33.05B | 23.24B | 17.42B |
| Asset Growth % | 137.88% | 72.85% | 0.54% | 106.91% | 184.82% | 102.15% | 85.85% | -7.16% | 61.23% | 35.07% | 202.98% | 42.19% | 33.43% | - |
| Return on Assets (ROA) | -0.43% | -0.92% | 2.33% | 3.38% | -2.33% | -1.85% | 3.56% | -2.1% | -3.59% | -0.99% | 1.97% | 2.4% | 1.79% | 2.14% |
| Accounts Payable | 55.78B | 85.7B | 55.86B | 85.14B | 50.44B | 11.51B | 5.53B | 3.21B | 2.3B | 1.78B | 972.92M | 266.66M | 358.75M | 203.43M |
| Total Debt | 919.32M | 1.05T | 91.25B | 8.27B | 6.63B | 4.71B | 9.89B | 12.9B | 16.45B | 13.69B | 7.4B | 1.91B | 1.1B | 638.65M |
| Net Debt | -126.19M | -549.16B | -570.82B | -544.99B | -151.55B | -77.95B | -47.1B | -23.24B | -35.38B | -2.72B | -7.4B | -895.16M | -690.73M | -514.27M |
| Long-Term Debt | 166.66M | 656.15B | 51.16B | 1.78M | 1.75B | 2.06B | 8.1B | 11.17B | 16.45B | 13.69B | 6.32B | 1.91B | 1.1B | 638.65M |
| Short-Term Debt | 743.58M | 393.26B | 33.96B | 2.05B | 0 | 0 | 0 | 435.4M | 0 | 0 | 1.09B | 0 | 0 | 0 |
| Other Liabilities | 4.19B | 5.73T | 288.52B | 238.27B | 98.9B | 65.28B | 25.61B | 26.62B | 22.74B | 13.46B | 11.08B | 17.97B | 20.03B | 9.75B |
| Total Current Liabilities | 743.58M | 393.26B | 3.36T | 3.49T | 1.77T | 591.2B | 286.5B | 130.48B | 152.21B | 87.68B | 70.58B | 638.14M | 353.91M | 252.97M |
| Total Non-Current Liabilities | 4.37B | 6.39T | 344.8B | 245.97B | 104.13B | 68.86B | 35.84B | 40.03B | 39.72B | 27.25B | 17.49B | 29.96B | 21.13B | 15.77B |
| Total Liabilities | 5.11B | 6.78T | 3.71T | 3.74T | 1.88T | 660.06B | 322.34B | 170.52B | 191.93B | 114.94B | 88.07B | 30.6B | 21.48B | 16.02B |
| Total Equity | 787.33M | 1.01T | 798.8B | 743.99B | 287.54B | 100.42B | 53.86B | 31.91B | 26.1B | 20.29B | 12.05B | 2.44B | 1.76B | 1.39B |
| Equity Growth % | -14.18% | 26.15% | 7.37% | 158.74% | 186.35% | 86.46% | 68.8% | 22.23% | 28.64% | 68.38% | 392.97% | 38.76% | 26.35% | - |
| Equity / Assets (Capital Ratio) | 13.35% | 12.94% | 17.73% | 16.6% | 13.28% | 13.2% | 14.32% | 15.76% | 11.97% | 15.01% | 12.04% | 7.4% | 7.58% | 8.01% |
| Return on Equity (ROE) | -3.27% | -6.27% | 13.55% | 21.79% | -17.57% | -13.64% | 24% | -15.24% | -27.34% | -7.18% | 18.09% | 32.05% | 23% | 26.75% |
| Book Value per Share | 9.96 | 11510.84 | 9084.20 | 8402.37 | 3164.87 | 1099.32 | 589.58 | 349.28 | 285.76 | 258.28 | 186.95 | 80.50 | 71.14 | 28.37 |
| Tangible BV per Share | 7.71 | 8863.49 | 7196.26 | 6739.01 | 2401.36 | 855.74 | 477.51 | 284.48 | 240.11 | 252.43 | 177.02 | 74.90 | 65.11 | 27.16 |
| Common Stock | 316.62K | 437.56M | 437.73M | 442.67M | 444.41M | 456.72M | 456.72M | 456.72M | 456.72M | 456.72M | 363.78M | 248.97M | 124.48M | 124.48M |
| Additional Paid-in Capital | 638.95M | 806.81B | 554.29B | 554.29B | 264.23B | 84.85B | 43.56B | 33.16B | 24.36B | 15.84B | 6.81B | 91.54M | 91.54M | 91.54M |
| Retained Earnings | -50.79M | -48.55B | 89.74B | 97.27B | -31.64B | -7.45B | 3.06B | -19.6B | -9.7B | -755.72M | 1.36B | 699.01M | 387.82M | 397.89M |
| Accumulated OCI | 207.06M | 263.69B | 106.59B | 34.8B | 27.69B | 12.87B | 2.02B | 14.78B | 8.82B | 3.3B | 2.01B | 1.33B | 1.1B | 738.49M |
| Treasury Stock | -10.33M | -15.5B | -12.48B | -4.82B | -1.73B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Sovereign debt exposure concentration
According to recent financial statements, Grupo Supervielle's total assets have contracted from 7.8T in 2025Q4 to 5.9B in 2026Q1, reflecting a significant reduction in the bank's footprint as it navigates the ongoing macroeconomic instability and inflationary pressures inherent in the Argentine financial landscape.
The sharp decline in asset volume suggests a defensive posture, likely driven by a strategic reduction in risk-weighted assets to preserve capital. Investors should monitor whether this contraction is a temporary tactical adjustment or a long-term trend indicating a loss of market share to more resilient competitors.
Based on reported figures, the equity-to-assets ratio has remained stagnant at approximately 0.13 in 2026Q1, which, when combined with negative ROE, suggests that the bank's ability to absorb further credit shocks is increasingly limited by the erosion of its internal capital generation capacity.
The lack of meaningful capital accumulation indicates that the bank is operating with a thin margin for error in a volatile environment. This capital position warrants further investigation, as it may constrain the institution's ability to support future loan growth or absorb potential spikes in non-performing assets.
As reported in regulatory filings, the bank's investment securities portfolio of 3.8B in 2026Q1 represents a substantial portion of total assets, highlighting a significant concentration risk in government-linked instruments that may impair liquidity if sovereign credit conditions deteriorate further in the coming quarters.
This heavy allocation to securities suggests that the bank's liquidity profile is inextricably linked to the performance of Argentine government debt. Such a structure may indicate that the bank is acting more as a vehicle for sovereign exposure than as a traditional commercial lender.
Based on the provided balance sheet data, the bank's structural reliance on government securities to manage liquidity may create a duration mismatch, as reported in recent filings, which leaves the institution highly vulnerable to sudden shifts in interest rates and the ongoing hyperinflationary environment.
The bank's balance sheet appears to lack the flexibility required to hedge against rapid changes in the real interest rate environment. This suggests that the institution may face significant valuation adjustments on its securities portfolio, which could further pressure its already strained capital adequacy ratios.
Quick answers to the most common questions about buying SUPV stock.
As of 2025, Grupo Supervielle S.A. (SUPV) had total assets of $7.79T including $1.60T in current assets.
Grupo Supervielle S.A. (SUPV) carries total debt of $1.05T. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Grupo Supervielle S.A. (SUPV) has total shareholders' equity (book value) of $1.01T ($11510.84 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Grupo Supervielle S.A. (SUPV) reported a current ratio of 4.06x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.