Revenue volatility remains acute, evidenced by a net interest income contraction to $149.9M in 2026Q1 and a significant decline in net interest margins to 2.5%.
| 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 |
|---|
| Net Interest Income | 438.92B | 941.31B | 774.46B | 728.39B | 586.78B | 260.57B | 106.21B | 21.17B | 27.74B | 21.7B | 6.25B | 3.51B | 2.46B | 1.8B |
| NII Growth % | -167.68% | 21.54% | 6.32% | 24.13% | 125.19% | 145.34% | 401.68% | -23.68% | 27.82% | 247.45% | 78.04% | 42.59% | 36.82% | - |
| Net Interest Margin % | 7441.17% | 12.09% | 17.19% | 16.25% | 27.09% | 34.26% | 28.23% | 10.46% | 12.72% | 16.05% | 6.24% | 10.62% | 10.59% | 10.32% |
| Interest Income | 885.88B | 2.04T | 1.66T | 2.53T | 1.71T | 629.19B | 190.23B | 92.91B | 64.21B | 34.48B | 10.41B | 6.46B | 4.63B | 2.87B |
| Interest Expense | 446.97B | 1.1T | 889.93B | 1.8T | 1.13T | 368.62B | 84.03B | 71.74B | 36.47B | 12.78B | 4.17B | 2.95B | 2.17B | 1.07B |
| Loan Loss Provision | 152.22B | 303.63B | -4.61B | -11.98B | -22.05B | 43.77B | 23.65B | 14.87B | 10.18B | 5.74B | 1B | 507.51M | 299.23M | 344.03M |
| Non-Interest Income | 138.39B | 280.37B | 380.43B | 490.13B | 251B | 164.69B | 52.12B | 62.1B | 30.81B | 17.02B | 3.57B | 2.61B | 1.73B | 1.51B |
| Non-Interest Income % | 13.51% | 12.06% | 18.6% | 16.25% | 12.78% | 20.74% | 21.51% | 40.06% | 32.42% | 33.05% | 25.52% | 28.77% | 27.2% | 34.4% |
| Total Revenue | 1.02T | 2.33T | 2.04T | 3.02T | 1.96T | 793.88B | 242.36B | 155.02B | 95.01B | 51.5B | 13.98B | 9.07B | 6.36B | 4.38B |
| Revenue Growth % | -193.49% | 13.71% | -32.21% | 53.61% | 147.33% | 227.57% | 56.34% | 63.16% | 84.47% | 268.35% | 54.12% | 42.67% | 45.3% | - |
| Non-Interest Expense | 448.97B | 1.03T | 1.02T | 1.04T | 918.27B | 390.32B | 122.41B | 72.48B | 52.65B | 32.34B | 6.98B | 4.67B | 3.31B | 2.48B |
| Efficiency Ratio | 43.83% | 44.33% | 49.72% | 34.56% | 46.77% | 49.17% | 50.51% | 46.75% | 55.41% | 62.8% | 49.9% | 51.51% | 52.12% | 56.63% |
| Operating Income | -23.88B | -112.72B | 142.87B | 188.13B | -58.44B | -8.83B | 12.27B | -4.08B | -4.28B | 641.03M | 1.83B | 937.35M | 575.71M | 481.31M |
| Operating Margin % | -2.33% | -4.85% | 6.99% | 6.24% | -2.98% | -1.11% | 5.06% | -2.63% | -4.51% | 1.24% | 13.12% | 10.33% | 9.05% | 11% |
| Operating Income Growth % | - | -178.9% | -24.06% | 421.93% | -561.46% | -172.01% | 400.77% | 4.8% | -768.36% | -65.05% | 95.67% | 62.82% | 19.61% | - |
| Pretax Income | -23.88B | -112.72B | 142.87B | 188.13B | -58.44B | -8.83B | 12.27B | -4.08B | -4.28B | 641.03M | 1.83B | 937.35M | 575.71M | 481.31M |
| Pretax Margin % | -2.33% | -4.85% | 6.99% | 6.24% | -2.98% | -1.11% | 5.06% | -2.63% | -4.51% | 1.24% | 13.12% | 10.33% | 9.05% | 11% |
| Income Tax | -17.97B | -55.99B | 38.3B | 75.64B | -24.31B | 1.7B | 1.97B | 346.66M | 2.12B | 1.8B | 500.6M | 247.16M | 199.08M | 97.77M |
| Effective Tax Rate % | 75.25% | 49.67% | 26.81% | 40.21% | 41.6% | -19.22% | 16.1% | -8.5% | -49.41% | 281.24% | 27.29% | 26.37% | 34.58% | 20.31% |
| Net Income | -22.87B | -56.6B | 104.49B | 112.4B | -34.09B | -10.52B | 10.29B | -4.42B | -6.34B | -1.16B | 1.31B | 674.11M | 362.92M | 372.99M |
| Net Margin % | -2.23% | -2.43% | 5.11% | 3.73% | -1.74% | -1.33% | 4.25% | -2.85% | -6.67% | -2.25% | 9.38% | 7.43% | 5.71% | 8.52% |
| Net Income Growth % | -141.35% | -154.17% | -7.03% | 429.71% | -224% | -202.25% | 332.74% | 30.28% | -446.46% | -188.5% | 94.52% | 85.75% | -2.7% | - |
| Net Income (Continuing) | -5.91B | -56.73B | 104.57B | 112.49B | -34.13B | -10.53B | 10.29B | -4.43B | -6.4B | -1.16B | 1.33B | 690.19M | 376.63M | 383.55M |
| EPS (Diluted) | -289.48 | -652.95 | 1423.60 | 582.95 | -172.30 | -9.40 | 57.85 | -48.40 | -69.40 | 31.00 | 20.50 | 22.20 | 18.80 | 7.60 |
| EPS Growth % | -207.05% | -145.87% | 144.21% | 438.33% | -1732.98% | -116.25% | 219.52% | 30.26% | -323.87% | 51.22% | -7.66% | 18.09% | 147.37% | - |
| EPS (Basic) | - | -652.95 | 1423.60 | 582.95 | -172.30 | -9.40 | 57.85 | -48.40 | -69.40 | -14.75 | 20.35 | 13.45 | 18.80 | 7.45 |
| Diluted Shares Outstanding | 79.01M | 87.54M | 87.93M | 88.55M | 90.85M | 91.34M | 91.34M | 91.34M | 91.34M | 78.57M | 64.46M | 30.37M | 24.77M | 49.15M |
Hyperinflationary margin compression
As reported in recent financial filings, Grupo Supervielle's net interest income has experienced extreme volatility, with the most recent quarterly figures showing a sharp contraction to 149.9M, highlighting the bank's struggle to maintain stable interest-based revenue amidst the challenging and unpredictable Argentine macroeconomic environment.
The erratic trajectory of NII suggests that the bank's reliance on government securities and interest-rate-sensitive assets leaves it highly exposed to shifts in Central Bank policy. Investors should monitor whether the bank can stabilize its funding costs, as the current fluctuations appear to reflect a lack of pricing power in a hyperinflationary context.
Based on the provided income statement data, the bank's net interest margin has compressed significantly from a peak of 13.0% in 2024Q1 to a recent 2.5%, indicating that the institution is finding it increasingly difficult to preserve spreads against rising funding costs and inflationary pressures.
This margin erosion suggests that the bank's asset yields are failing to keep pace with the cost of maintaining its deposit base. The decline warrants further investigation into whether the bank's structural reliance on the pensioner segment is becoming a liability rather than a stable funding source.
According to the bank's historical performance data, the efficiency ratio has fluctuated significantly, reaching a high of 74.3% in 2024Q4, which underscores the difficulty of managing a large physical branch network while attempting to pivot toward a more digital-first operational model in a high-inflation economy.
The inability to consistently lower the efficiency ratio suggests that the bank's fixed-cost base remains a substantial drag on profitability. This may indicate that the integration of digital initiatives like IUDÚ has yet to yield the expected operating leverage required to offset the costs of its legacy infrastructure.
As indicated by the quarterly income statements, provision expenses for loan losses have remained elevated, peaking at 109.4B in 2025Q4, which suggests that the bank is facing mounting credit quality challenges within its consumer and SME lending portfolios during the current economic contraction.
The persistent need for significant provisioning appears to reflect a deteriorating credit environment, potentially impacting the bank's capital adequacy. Analysts should monitor whether these provisions are sufficient to cover potential defaults, as the bank's exposure to vulnerable segments may lead to further earnings volatility.
Quick answers to the most common questions about buying SUPV stock.
Grupo Supervielle S.A. (SUPV) reported a net loss of $56.60B for the fiscal year ending 2025.
Grupo Supervielle S.A. (SUPV) reported an operating income of $-112717.4M, resulting in an operating profit margin of -4.8%. This margin reflects the operational efficiency of the business before interest and taxes.
Grupo Supervielle S.A. (SUPV) generated $918.05B in gross profit for the year, representing a gross profit margin of 39.5%. This demonstrates the company's core pricing power and production efficiency.