189A Stock Overview

A financial services holding company, provides various banking products and services in Argentina. More details

189A fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	3/6
Financial Health	6/6
Dividends	1/6

Rewards

Earnings are forecast to grow 11.64% per year

Earnings grew by 66.6% over the past year

Risk Analysis

Large one-off items impacting financial results

Volatile share price over the past 3 months compared to the German market

My Notes

Capture your thoughts, links and company narrative

Grupo Supervielle S.A. Competitors

ProCredit Holding

XTRA:PCZ

€464.1m

Merkur PrivatBank KgaA

XTRA:MBK

€105.8m

Commerzbank

XTRA:CBK

€18.5b

AS LHV Group

TLSE:LHV1T

€1.1b

Price History & Performance

Summary of share price highs, lows and changes for Grupo Supervielle
Historical stock prices
Current Share Price	AR$13.80
52 Week High	AR$15.10
52 Week Low	AR$3.02
Beta	1.49
1 Month Change	32.69%
3 Month Change	86.49%
1 Year Change	241.58%
3 Year Change	697.69%
5 Year Change	345.16%
Change since IPO	36.62%

Recent updates

Shareholder Returns

	189A	DE Banks	DE Market
7D	11.3%	0.2%	-1.4%
1Y	241.6%	21.4%	8.0%

Return vs Industry: 189A exceeded the German Banks industry which returned 21.4% over the past year.

Return vs Market: 189A exceeded the German Market which returned 8% over the past year.

Price Volatility

Is 189A's price volatile compared to industry and market?
189A volatility
189A Average Weekly Movement	9.0%
Banks Industry Average Movement	3.0%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.9%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: 189A's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: 189A's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

Founded	Employees	CEO	Website
1887	3,663	Julio Patricio Supervielle	www.gruposupervielle.com

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal & Business Banking, Corporate Banking, Bank Treasury, Insurance, and Asset Management and Other Services 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 and debit cards, and senior citizens benefit payment services, as well as financial services and investments, such as mutual funds and guarantees.

Grupo Supervielle S.A. Fundamentals Summary

How do Grupo Supervielle's earnings and revenue compare to its market cap?
189A fundamental statistics
Market cap	€1.44b
Earnings (TTM)	€78.40m
Revenue (TTM)	€398.29m

18.3x

P/E Ratio

2.1x

P/B Ratio

Is 189A overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
189A income statement (TTM)
Revenue	AR$422.51b
Cost of Revenue	AR$0
Gross Profit	AR$422.51b
Other Expenses	AR$339.34b
Earnings	AR$83.17b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Mar 05, 2025

Earnings per share (EPS)	189.99
Gross Margin	100.00%
Net Profit Margin	19.68%
Debt/Equity Ratio	25.4%

How did 189A perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

23%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/19 11:57
End of Day Share Price	2024/12/18 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Grupo Supervielle S.A. is covered by 11 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Ernesto Gabilondo Márquez	BofA Global Research
Rafael Berger Frade	Bradesco S.A. Corretora de Títulos e Valores Mobiliários
Gabriel da Nóbrega	Citigroup Inc