Grupo Supervielle S.A.
- Open
- 8.57
- Day high
- 8.62
- Day low
- 8.34
- Prev close
- 8.55
- Volume
- 146K
- Mkt cap
- $741M
- P/E (TTM)
- —
- EPS (TTM)
- —
- P/B
- 0.9
- P/S
- 0.7
- Yield
- —
- Per share
- —
Grupo Supervielle S.A. (SUPV) is a Financial Services company listed on NYSE. The stock is up 2% over the past year. Drillr has 2 published research articles covering SUPV.
Grupo Supervielle S.A. (SUPV) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
SUPV earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Aug 11, 2026 | $0.13 | $0.13 | +1.5% | $220M | +0.0% |
| May 27, 2026 | $0.03 | $0.07 | +126.0% | $205M | +0.0% |
| Nov 25, 2025 | $0.03 | $-0.43 | -1487.1% | — | — |
| Aug 13, 2025 | $0.22 | $0.14 | -36.1% | $354M | — |
| May 27, 2025 | $0.15 | $0.09 | -39.6% | — | — |
| Mar 10, 2025 | $0.25 | $0.32 | +28.0% | $303M | — |
| Nov 25, 2024 | $0.13 | $0.11 | -15.4% | $166M | -15.2% |
| Aug 14, 2024 | $0.18 | $0.22 | +22.2% | $187M | — |
| May 22, 2024 | $0.21 | $0.13 | -38.1% | $254M | — |
| Mar 6, 2024 | $0.18 | $0.26 | +44.4% | $447M | — |
| Nov 27, 2023 | $0.26 | $0.35 | +33.2% | $173M | — |
| Aug 23, 2023 | $0.13 | $0.31 | +138.5% | $292M | — |
SUPV insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 26, 2026 | Duthu Valeriaofficer: See Remarks | Grant | 52,527 | $1.97 |
| May 20, 2026 | Morello Ignacio Juanofficer: See Remarks | Sell | 51,000 | $1.62 |
Source: SUPV SEC Form 4 filings, latest Jun 26, 2026. For informational purposes only — not investment advice.
See the full SUPV insider & 13F page →SUPV research & analysis
Supervielle (SUPV), Banco Macro (BMA): Argentine Cost Cuts Now Need Cash
Supervielle, Banco Macro and Telecom Argentina disclosed in August 2026 that disinflation ended peso wage-bill erosion, so cost cuts now require cash severance.
BMAEDNIRSBanco Macro (BMA), Supervielle (SUPV): Argentine Dollar Loans Reach Peso Earners
Argentina dropped the export-revenue test on bank dollar loans and capped each bank at 15% of its FX deposits, about $5.2bn, and Banco Macro now guides only its dollar book to grow.
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Grupo Supervielle S.A. company profile
Overview
Grupo Supervielle S.A. (NYSE:SUPV) is a prominent Argentine financial services holding company that traces its origins back to 1887. Founded over a century ago, the bank has evolved from a traditional regional institution into a comprehensive financial services provider serving both individual and corporate clients across Argentina. The company went public on the New York Stock Exchange in May 2016, marking its entry into international capital markets. Today, Grupo Supervielle operates as one of Argentina's significant regional banks, offering a full spectrum of banking and financial services through an extensive network of branches, digital platforms, and specialized subsidiaries throughout the country.
Business
Grupo Supervielle operates in Argentina's banking sector, providing comprehensive financial services through multiple business segments. The company functions as a traditional commercial bank while also offering specialized investment and brokerage services. The bank's core operations are divided into several key segments. Personal and Business Banking represents the foundation of the business, offering standard banking products including savings accounts, checking accounts, time deposits, and various loan products such as personal loans, mortgages, car loans, and credit cards. This segment also provides payroll services and senior citizen benefit payments, which are particularly important in Argentina's economy. Corporate Banking serves small-to-medium enterprises and larger corporations with specialized lending products, including working capital financing, project financing, overdrafts, and trade finance solutions. The corporate segment has been growing and represents approximately 64% of the total loan portfolio as of recent quarters. Treasury and Finance operations manage the bank's liquidity, securities portfolio, and foreign exchange activities. This segment is crucial given Argentina's volatile macroeconomic environment and high inflation rates. Capital Markets and Structuring includes the bank's investment banking activities and advisory services for corporate clients. A significant differentiator is Invertironline (IOL), the bank's online brokerage and investment platform subsidiary. IOL serves as a digital investment platform allowing customers to trade securities, invest in mutual funds, and access various investment products. This platform has grown to serve over 580,000 active clients and contributes approximately 15% of the bank's net income and 20% of total fee income. IOL represents the bank's strategic push into wealth management and digital financial services, competing directly with fintech companies in the investment space. The bank operates through an extensive physical and digital network including 298 access points (184 bank branches, specialized sales centers, and various service points), 450 ATMs, and comprehensive digital banking platforms. Mobile transactions now represent 56% of all customer transactions, reflecting the bank's successful digital transformation efforts.
Revenue model
Grupo Supervielle generates revenue through traditional banking income streams, with net interest income forming the primary revenue source. The bank earns net interest margin by borrowing funds at lower rates (through customer deposits) and lending at higher rates to individuals and businesses. Given Argentina's high inflation environment, the bank maintains significant exposure to inflation-indexed instruments and benefits from repricing loans frequently. Fee-based income represents a growing and important revenue stream, generated through various services including credit card fees, account maintenance charges, transaction processing, foreign exchange services, and investment management fees. The Invertironline platform contributes significantly to fee income through brokerage commissions, asset management fees, and investment advisory services. The bank's customers include individual retail clients (ranging from middle to high-income segments), small and medium enterprises (SMEs), and large corporations. Corporate clients are particularly valuable as they typically require larger loan amounts and generate substantial fee income through treasury services, trade finance, and cash management solutions. Several factors significantly impact the bank's profitability margins. Inflation rates directly affect both asset yields and funding costs, with the bank benefiting from its ability to reprice loans quickly in high-inflation environments. Central bank monetary policy influences interest rate spreads and reserve requirements. Economic growth affects loan demand and credit quality - during economic downturns, loan demand weakens while credit losses may increase. Competition from fintech companies pressures traditional fee income, particularly in payments and investment services, forcing the bank to invest heavily in digital capabilities. Regulatory changes in Argentina's banking sector can impact lending practices, capital requirements, and operational flexibility. Currency volatility affects the bank's foreign exchange income and the value of dollar-denominated assets and liabilities. Finally, credit risk management becomes crucial during economic uncertainty, as loan losses can significantly impact profitability margins.
Competitive moat
Grupo Supervielle's competitive moat is moderate but faces significant challenges in Argentina's evolving financial landscape. The bank's primary defensive characteristics stem from its established market position and regulatory barriers to entry in traditional banking. The bank benefits from regulatory barriers that make banking licenses difficult and expensive to obtain in Argentina, providing some protection against new entrants in core banking services. Its extensive physical branch network and long-standing customer relationships, particularly in payroll services and corporate banking, create switching costs for clients who value in-person service and established credit relationships. Invertironline represents a stronger competitive position, as the platform has achieved significant scale with over 580,000 active clients and offers 24/7 investment services that compete effectively with fintech alternatives. The integration of this digital investment platform with traditional banking services creates a more comprehensive value proposition than standalone fintech competitors can offer. However, the bank's moat faces substantial threats. Fintech disruption is particularly acute in Argentina, where digital payment platforms and investment apps are rapidly gaining market share among younger demographics. Traditional fee-generating services like payments, transfers, and basic investment products are increasingly commoditized. Macroeconomic instability in Argentina creates ongoing challenges, as high inflation, currency volatility, and economic uncertainty make long-term competitive positioning difficult to maintain. The bank's moat is also weakened by limited geographic diversification - its concentration in Argentina exposes it to country-specific risks that more diversified financial institutions avoid. Digital transformation requirements demand continuous heavy investment to remain competitive, and the bank must compete against both traditional banks with larger technology budgets and agile fintech startups. Overall, while Grupo Supervielle maintains some defensive characteristics, its moat is relatively narrow and requires constant reinforcement through digital innovation and operational efficiency improvements.
Risks & safety
**Overall Assessment**: Moderate financial safety with adequate liquidity but elevated risks due to Argentine macroeconomic environment. **Cash and Liquidity Position:** - Cash and short-term investments: $263 million (strong liquidity buffer) - Current ratio: 1.08 (adequate short-term liquidity) - Strong operational cash flow generation: $1.5 billion in FY 2024 **Debt and Solvency:** - Very low debt-to-equity ratio: 0.57% (minimal financial leverage) - Tier 1 capital ratio: 16.1% (well above regulatory minimums) - Strong capital position supports growth and absorbs potential losses **Valuation Metrics:** - P/E ratio: 10.9x (reasonable valuation) - Price-to-book ratio: 1.66x (moderate premium to book value) - ROE: 15.2% (strong profitability) **Other Considerations:** - High exposure to Argentine peso and inflation risk - Regulatory environment subject to political changes - Credit risk elevated during economic uncertainty - Geographic concentration creates systemic risk
Recent development
Over the past few years, Grupo Supervielle has undergone significant strategic transformation focused on digital innovation, portfolio optimization, and operational efficiency. The most notable development has been the dramatic expansion and success of Invertironline (IOL), the bank's digital investment platform. IOL has grown from a supporting service to a major profit contributor, now generating 15% of the bank's net income and serving over 580,000 active clients with 24/7 investment capabilities. The bank has executed a comprehensive digital transformation strategy, with mobile transactions now representing 56% of all customer interactions. This shift has enabled significant cost reductions, including a 12% reduction in branch network and 4% decrease in headcount year-over-year, while simultaneously expanding the digital customer base to 64% of total clients. Portfolio rebalancing represents another key strategic pivot. Management has been systematically shifting the loan mix toward higher-margin retail lending, increasing retail loans from 36% to 48% of the total portfolio, with a target of reaching 50-60% by end of 2025. This includes aggressive expansion in car loans (which doubled in volume), mortgages (42% growth), and personal loans (41% growth). The bank has also streamlined operations through the integration of IUDU, its consumer finance subsidiary, into the main banking platform, eliminating redundancies and improving operational efficiency. This consolidation was part of a broader cost optimization initiative that improved the efficiency ratio to 34%. Strategic market positioning has focused on high-growth sectors, particularly expanding presence in Argentina's oil, gas, and mining industries, while strengthening payroll services and corporate banking solutions. The bank has also launched innovative products including 30-year mortgage loans and digital insurance solutions for corporate clients. Looking forward, management has outlined ambitious growth targets for 2025, including loan growth exceeding 60% in real terms, ROE targets of 12-15%, and continued expansion of fee-based income streams through enhanced digital services and investment platform capabilities.
SUPV company profile · for informational purposes only — not investment advice.
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