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Grupo Supervielle S.A.

Grupo Supervielle S.A.

SUPV.BA
Grupo Supervielle S.A.AR flagBuenos Aires Stock Exchange
3,195.00
ARS
+135.00
- -
1.40TMarket Cap
Grupo Supervielle S.A.
SUPV.BA
(Buenos Aires Stock Exchange)

Recent

price

3,195.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
26.59
34.27
43.46
63.46
30.45
98.57
128.18
182.33
346.66
931.11
1,844.21
3,838.29
3,633.53
2,593.21
2,337.2
Revenue per Share
3.38
3.87
3.76
6.99
4.07
-2.95
-13.88
-9.68
22.53
-23.04
-75.04
333.98
312.65
-85.83
108.96
Basic EPS, GAAP
-0.24
3.87
-0.54
- -
- -
-74.64
81.7
-128.01
114.38
45.97
-100.07
861.86
1,380.74
926.57
988.14
Free Cash Flow per Basic Share
0.25
0.09
0.09
0.08
0.08
0.43
1.51
2.1
3.41
6.84
7.34
- -
83.66
75.12
63.88
Dividend per Share
- -
5.16
5.06
9.57
5.33
-0.76
-20.24
-41.92
7.7
-15.32
-68.67
220.7
374.87
-190.65
51.32
Book Value per Share
- -
11.98
15.47
22.01
35.41
50.49
48.02
56.9
95.5
171.15
480.27
1,347.8
1,893.32
1,723.06
1,701.1
Tangible Book Value per Share
96
96
96
96
322
393
457
457
457
457
454
443
440
438
438
Basic Weighted Avg Shares
2,564
3,304
4,190
6,119
9,815
38,722
58,543
83,273
158,328
425,258
837,777
1,699,317
1,597,531
1,135,129
1,023,070
Sales/Revenue/Turnover
- -
14.57
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
86
103
121
166
210
957
906
3,729
7,077
25,630
68,482
91,472
69,174
73,412
53,584
Depreciation Expense
326
373
363
674
1,311
-1,160
-6,341
-4,421
10,290
-10,522
-34,091
147,861
137,460
-37,571
47,695
Net Income, GAAP
18.28
20.31
34.58
26.37
27.29
281.24
- -
- -
16.1
- -
- -
40.21
26.81
- -
33.31
Effective Tax Rate (%)
12.72
11.29
8.66
11.02
13.36
-3
-10.83
-5.31
6.5
-2.47
-4.07
8.7
8.6
-3.31
4.66
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
825
1,141
3,454
6,316
13,694
16,446
12,461
9,885
3,105
3,641
2,206
67,298
177,680
369,041
LT Debt
- -
1,352
1,707
2,374
12,051
20,292
26,102
31,905
53,855
100,417
287,544
743,991
1,050,810
986,072
935,101
Total Equity
- -
30.45
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
149.95
73.7
95.59
99.26
- -
- -
- -
- -
- -
- -
- -
104.72
- -
100.44
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
4,640
8,148
- -
LT Borrowings
67,298
222,636
359,790
LT Finance Leases
8,068
8,148
9,251
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
438
438
438
Market Capitalization
1,575,352
1,508,060
1,120,596

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
871,810
876,431
1,099,124
Accounts Receivable, Net
9,093
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
277,548
228,688
220,341
ST Debt
4,640
8,148
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
106.24%
93.33%
-6.16%
Free Cash Flow
- -
-257.96%
-33.19%
Net Income, GAAP
-65.69%
-129.27%
-127.33%
Sales/Revenue/Turnover
87.2%
66.7%
-28.94%
Total Cash Common Dividend
- -
- -
-10.61%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
515,475
337,642
217,499
223,173
1,597,531
2025
316,476
265,923
- -
- -
1,135,129
2026
328,500
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
163.71
53.9
20.28
- -
312.65
2025
24.05
31.08
- -
- -
-85.83
2026
-38.98
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
59.13
- -
83.66
2025
- -
- -
- -
- -
75.12
2026
- -
- -
- -
- -
- -
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Business
Grupo Supervielle S.A. is an Argentina-based financial services holding company providing a comprehensive range of banking, insurance, asset management, and investment products primarily to individuals, small and medium-sized enterprises, and corporations throughout Argentina. Founded in 1887 and headquartered at Reconquista 330 in Buenos Aires, the company operates through key subsidiaries including Banco Supervielle, the 7th largest private bank in Argentina by loans; Seguros Supervielle, its insurance unit; IOL invertironline, a leading digital investment platform; and Supervielle Asset Management. Its core offerings encompass personal and business banking services such as savings accounts, checking accounts, time and demand deposits, personal loans, mortgage loans, consumer loans, car loans, overdrafts, credit and debit cards, payroll services, and leasing; corporate banking products including project financing, working capital loans, international trade finance, factoring, guarantees, and letters of credit; treasury operations in government securities and syndicated loans; insurance products covering life, home, personal accidents, auto, technology, ATMs, protected content, workers' compensation, and policies for entrepreneurs and SMEs; asset management via 17 mutual funds with AR$1,294 billion in assets under management; and digital brokerage services offering Argentine and U.S. stocks, bonds, mutual funds, corporate debt placements, and financial education through IOL Academy, supported by a network of over 130 branches, ATMs, self-service terminals, biometric cash dispensers, virtual hubs, and mobile/online platforms serving 1.4 million active bank customers, 913,000 digital users, and 603,000 IOL clients. Recent developments include a strategic agreement with IDB Invest announced in September 2025 to boost SME lending through a credit line of up to US$250 million; appointment of Paco Manrique as CEO of Banco Supervielle in October 2024 to drive commercial strategy toward higher-margin retail lending targeting 50-60% of total loans; expansion of IOL invertironline's product offerings with new income-focused mutual funds, wealth management for affluent clients, 24/7 SMB liquidity solutions, and scaling corporate debt placements to 33 issuances in 2024 from seven in 2023; implementation of self-service insurance management across digital channels; sponsorship of the Argentine National Soccer Team in October 2025; cancellation of 3,782,214 Class B treasury shares on October 1, 2025; and reporting of strong Q4 2024 and 3Q25 earnings reflecting loan growth of over 104% year-over-year, positioning the group for enhanced profitability in 2025 amid Argentina's evolving capital markets.