(SUPV) Grupo Supervielle - Overview
Stock: Savings, Loans, Cards, Insurance, Asset
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.23% |
| Yield on Cost 5y | 11.22% |
| Yield CAGR 5y | 65.39% |
| Payout Consistency | 63.5% |
| Payout Ratio | 39.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 76.7% |
| Relative Tail Risk | -14.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.01 |
| Alpha | -52.81 |
| Character TTM | |
|---|---|
| Beta | 1.787 |
| Beta Downside | 1.698 |
| Drawdowns 3y | |
|---|---|
| Max DD | 75.20% |
| CAGR/Max DD | 0.86 |
Description: SUPV Grupo Supervielle January 18, 2026
Grupo Supervielle S.A. (NYSE: SUPV) is an Argentine-based financial services holding company that operates across five main segments: Personal & Business Banking, Corporate Banking, Treasury, Insurance, and Asset Management & Other Services. Its product suite spans deposit accounts, a broad array of consumer and commercial loans (including mortgages, auto, and project financing), credit and debit cards, foreign-trade and cash-management services, as well as life, property, and SME-focused insurance policies.
The firm delivers its services through a physical network of branches, ATMs and biometric self-service terminals, complemented by a digital brokerage platform. Founded in 1887 (originally Inversiones y Participaciones S.A.) and rebranded in 2008, the group is headquartered in Buenos Aires.
**Recent quantitative highlights (as of Q4 2023):**
• Net interest margin (NIM) stabilized around 7.1 % despite Argentina’s volatile interest-rate environment, reflecting effective pricing of loan and deposit products.
• Loan portfolio grew ~9 % YoY, driven primarily by consumer credit and SME lending, while non-performing loans remained under 3 % of total assets, indicating relatively disciplined credit risk management.
• The insurance segment contributed roughly 12 % of total revenue, benefitting from rising demand for bundled SME protection products.
**Key macro-drivers:**
• Argentina’s high inflation (≈ 110 % YoY in 2023) pushes borrowers toward short-term financing, increasing turnover in the loan book but also raising refinancing risk.
• Central bank policy rates have been volatile, influencing the spread that banks can capture; firms with strong treasury capabilities, like Supervielle, can better hedge currency and rate exposure.
• The ongoing digitalization of banking in Latin America is expanding the addressable market for online brokerage and fintech services, a segment where Supervielle has a growing footprint.
For a deeper, data-driven assessment of SUPV’s valuation assumptions and scenario analysis, a quick look at ValueRay’s analyst toolkit can help you surface the most material risk factors and upside catalysts.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 6.64b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -47.72 > 1.0 |
| NWC/Revenue: -188.8% < 20% (prev -70.17%; Δ -118.7% < -1%) |
| CFO/TA 0.00 > 3% & CFO 9.55b > Net Income 6.64b |
| Net Debt (-1399.84b) to EBITDA (51.22b): -27.33 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (87.5m) vs 12m ago -0.01% < -2% |
| Gross Margin: 67.19% > 18% (prev 0.52%; Δ 6667 % > 0.5%) |
| Asset Turnover: 21.39% > 50% (prev 65.84%; Δ -44.46% > 0%) |
| Interest Coverage Ratio: 0.05 > 6 (EBITDA TTM 51.22b / Interest Expense TTM 530.48b) |
Altman Z'' -1.84
| A: -0.31 (Total Current Assets 1067.67b - Total Current Liabilities 3362.25b) / Total Assets 7365.52b |
| B: 0.01 (Retained Earnings 89.74b / Total Assets 7365.52b) |
| C: 0.00 (EBIT TTM 23.89b / Avg Total Assets 5681.56b) |
| D: 0.13 (Book Value of Equity 851.88b / Total Liabilities 6512.97b) |
| Altman-Z'' Score: -1.84 = D |
Beneish M -2.09
| DSRI: 2.71 (Receivables 395.32b/316.58b, Revenue 1215.03b/2632.08b) |
| GMI: 0.77 (GM 67.19% / 51.71%) |
| AQI: 1.22 (AQ_t 0.84 / AQ_t-1 0.69) |
| SGI: 0.46 (Revenue 1215.03b / 2632.08b) |
| TATA: -0.00 (NI 6.64b - CFO 9.55b) / TA 7365.52b) |
| Beneish M-Score: -2.09 (Cap -4..+1) = BB |
What is the price of SUPV shares?
Over the past week, the price has changed by -9.83%, over one month by -4.92%, over three months by -8.10% and over the past year by -32.48%.
Is SUPV a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SUPV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 14.7 | 33.2% |
| Analysts Target Price | 14.7 | 33.2% |
| ValueRay Target Price | 15.9 | 44.2% |
SUPV Fundamental Data Overview February 04, 2026
P/E Trailing = 52.9048
P/S = 0.002
P/B = 1.725
P/EG = 0.29
Revenue TTM = 1215.03b ARS
EBIT TTM = 23.89b ARS
EBITDA TTM = 51.22b ARS
Long Term Debt = 51.16b ARS (from longTermDebt, last fiscal year)
Short Term Debt = 38.60b ARS (from shortTermDebt, last fiscal year)
Debt = 360.21b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -1399.84b ARS (from netDebt column, last quarter)
Enterprise Value = 164.94b ARS (1564.77b + Debt 360.21b - CCE 1760.05b)
Interest Coverage Ratio = 0.05 (Ebit TTM 23.89b / Interest Expense TTM 530.48b)
EV/FCF = 6.39x (Enterprise Value 164.94b / FCF TTM 25.82b)
FCF Yield = 15.65% (FCF TTM 25.82b / Enterprise Value 164.94b)
FCF Margin = 2.12% (FCF TTM 25.82b / Revenue TTM 1215.03b)
Net Margin = 0.55% (Net Income TTM 6.64b / Revenue TTM 1215.03b)
Gross Margin = 67.19% ((Revenue TTM 1215.03b - Cost of Revenue TTM 398.63b) / Revenue TTM)
Gross Margin QoQ = none% (prev 50.81%)
Tobins Q-Ratio = 0.02 (Enterprise Value 164.94b / Total Assets 7365.52b)
Interest Expense / Debt = 48.11% (Interest Expense 173.29b / Debt 360.21b)
Taxrate = 26.81% (38.30b / 142.87b)
NOPAT = 17.48b (EBIT 23.89b * (1 - 26.81%))
Current Ratio = 0.32 (Total Current Assets 1067.67b / Total Current Liabilities 3362.25b)
Debt / Equity = 0.42 (Debt 360.21b / totalStockholderEquity, last quarter 851.88b)
Debt / EBITDA = -27.33 (Net Debt -1399.84b / EBITDA 51.22b)
Debt / FCF = -54.22 (Net Debt -1399.84b / FCF TTM 25.82b)
Total Stockholder Equity = 876.67b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.12% (Net Income 6.64b / Total Assets 7365.52b)
RoE = 0.76% (Net Income TTM 6.64b / Total Stockholder Equity 876.67b)
RoCE = 2.57% (EBIT 23.89b / Capital Employed (Equity 876.67b + L.T.Debt 51.16b))
RoIC = 1.61% (NOPAT 17.48b / Invested Capital 1087.84b)
WACC = 16.75% (E(1564.77b)/V(1924.98b) * Re(12.50%) + D(360.21b)/V(1924.98b) * Rd(48.11%) * (1-Tc(0.27)))
Discount Rate = 12.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.50%
[DCF Debug] Terminal Value 57.80% ; FCFF base≈784.16b ; Y1≈967.31b ; Y5≈1647.40b
Fair Price DCF = 148.6k (EV 9761.57b - Net Debt -1399.84b = Equity 11161.40b / Shares 75.1m; r=16.75% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 5.14 | EPS CAGR: 2.54% | SUE: -0.66 | # QB: 0
Revenue Correlation: 51.53 | Revenue CAGR: 28.08% | SUE: 0.12 | # QB: 0
EPS next Year (2026-12-31): EPS=0.74 | Chg30d=-0.826 | Revisions Net=-1 | Growth EPS=+1853.9% | Growth Revenue=+12.0%