SUPV

Grupo Supervielle S.A.

Fundamental data last updated:August 12, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

AR

Next Earnings Date

08/12/2026

Business Summary

Grupo 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.

 


VALUATION

P/E

-0.07

Market Cap ($M USD)

$813.30M

Forward P/E

N/A

PEG

N/A

PRICE TO SALES

0.61

PRICE TO BOOK

1.00

EV / EBITDA

-8.87

5-Year Average P/E

Free Cash Flow Yield

-84.69%

DCF Value

$1.21

Graham Number

N/A

Price to FCF

-1.18

EV to FCF

-0.97

Earnings Yield

-4.54%

FCF Yield

-84.69%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

-66.43%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$125.34

Next Year EPS Growth Estimate

$0.00

Next Year Revenue Growth Estimate

$3.33T

Return on Equity (ROE)

-4.99%

FREE CASH FLOW

Operating Margin

-6.36%

Debt-to-Equity

1.04

Piotroski F-Score

4

Altman Z-Score

294.13

Return on Invested Capital (ROIC)

-1.78%

Current Ratio

1.44

Quick Ratio

1.44

Net Debt to EBITDA

1.89

Interest Coverage

-0.13

Gross Profit margin

38.09%

FCF PER SHARE

$-2593.22

REVENUE PER SHARE

$5057.45

Gainseekers Quantitative Analysis

Summary

The market appears to have severely mispriced Grupo Supervielle S.A., with its snapshot price trading significantly above its DCF value. The negative P/E ratio and earnings yield suggest a company struggling with profitability, while the Altman Z-score indicates a high risk of financial distress. The lack of a forward P/E and a negative ROIC further underscore the absence of growth prospects. This paints a picture of a company in dire straits, with the market’s optimism seemingly unfounded given the current financial metrics.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, Grupo Supervielle S.A. faces significant challenges in adapting to AI and technological advancements. As a regional bank, its ability to leverage tech for operational efficiency and customer engagement will be crucial. However, the current metrics do not provide a clear indication of its readiness for such a transformation.

The Bull Case

For the contrarian investor, the allure might lie in the company's current ratio and quick ratio, both indicating strong liquidity. Despite a low Piotroski F-Score, the gross profit margin suggests some level of pricing power. A GARP investor might see potential in the company's ability to weather short-term volatility, banking on a turnaround in operational efficiency.

The Bear Case

The bear case is compelling, with the company showing a negative EPS and a dismal FCF yield. The negative EV to EBITDA and price to FCF ratios highlight severe cash flow issues. Additionally, the stock's price is extended well above its 52-week low, suggesting technical overextension without fundamental support. The high debt-to-equity ratio further exacerbates the risk profile, making it a precarious investment.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Sell

Average Analyst Price Target

$7.00

Institutional Ownership %

1-Year Beta

0.41

Insider Buying % (6 Mo)

Distance to 52-Week High

45.86%

Distance to 52-Week Low

51.13%

EARNINGS SURPRISE %

66.67%

50-DAY SMA

$8.76

200-DAY SMA

$9.30

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.