NYSE:SUPV

Stock Analysis Report

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Executive Summary

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. More Details


Snowflake Analysis

Excellent balance sheet with reasonable growth potential.

Share Price & News

How has Grupo Supervielle's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: SUPV's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-3.6%

SUPV

-4.8%

US Banks

-4.6%

US Market


1 Year Return

-41.2%

SUPV

-31.0%

US Banks

11.5%

US Market

Return vs Industry: SUPV underperformed the US Banks industry which returned -31% over the past year.

Return vs Market: SUPV underperformed the US Market which returned 11.5% over the past year.


Shareholder returns

SUPVIndustryMarket
7 Day-3.6%-4.8%-4.6%
30 Day-10.1%2.4%-0.9%
90 Day-44.4%-1.6%2.2%
1 Year-40.5%-41.2%-28.5%-31.0%14.0%11.5%
3 Year-93.8%-94.0%-21.7%-28.2%34.5%25.6%
5 Yearn/a11.2%-2.5%73.0%53.6%

Price Volatility Vs. Market

How volatile is Grupo Supervielle's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Grupo Supervielle undervalued compared to its fair value and its price relative to the market?

0.79x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: SUPV ($1.6) is trading above our estimate of fair value ($1.22)

Significantly Below Fair Value: SUPV is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: SUPV is unprofitable, so we can't compare its PE Ratio to the US Banks industry average.

PE vs Market: SUPV is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate SUPV's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: SUPV's PB Ratio (0.8x) is in line with the US Banks industry average.


Next Steps

Future Growth

How is Grupo Supervielle forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

22.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: SUPV is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2.2%).

Earnings vs Market: SUPV is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: SUPV's is expected to become profitable in the next 3 years.

Revenue vs Market: SUPV's revenue (18.9% per year) is forecast to grow faster than the US market (10% per year).

High Growth Revenue: SUPV's revenue (18.9% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: SUPV's Return on Equity is forecast to be low in 3 years time (19%).


Next Steps

Past Performance

How has Grupo Supervielle performed over the past 5 years?

-55.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SUPV is currently unprofitable.

Growing Profit Margin: SUPV is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: SUPV is unprofitable, and losses have increased over the past 5 years at a rate of 55.7% per year.

Accelerating Growth: Unable to compare SUPV's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: SUPV is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (-3.6%).


Return on Equity

High ROE: SUPV has a negative Return on Equity (-0.28%), as it is currently unprofitable.


Next Steps

Financial Health

How is Grupo Supervielle's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: SUPV's Assets to Equity ratio (7.9x) is low.

Allowance for Bad Loans: SUPV has a sufficient allowance for bad loans (105%).

Low Risk Liabilities: 80% of SUPV's liabilities are made up of primarily low risk sources of funding.

Loan Level: SUPV has an appropriate level of Loans to Assets ratio (42%).

Low Risk Deposits: SUPV's Loans to Deposits ratio (60%) is appropriate.

Level of Bad Loans: SUPV has a high level of bad loans (6.6%).


Next Steps

Dividend

What is Grupo Supervielle current dividend yield, its reliability and sustainability?

1.87%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: SUPV's dividend (1.87%) is higher than the bottom 25% of dividend payers in the US market (1.71%).

High Dividend: SUPV's dividend (1.87%) is low compared to the top 25% of dividend payers in the US market (4.86%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, SUPV has been paying a dividend for less than 10 years.

Growing Dividend: SUPV's dividend payments have increased, but the company has only paid a dividend for 3 years.


Current Payout to Shareholders

Dividend Coverage: SUPV is paying a dividend but the company is unprofitable.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of SUPV's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.0yrs

Average management tenure


CEO

Julio Patricio Supervielle (64 yo)

0.33

Tenure

Mr. Julio Patricio Supervielle serves as the Chairman of Grupo Supervielle S.A. and Banco Supervielle SA. He has been Chief Executive Officer of Grupo Supervielle S.A. since June 30, 2020. Mr. Supervielle ...


Leadership Team

NamePositionTenureCompensationOwnership
Julio Patricio Supervielle
Founder0.33yrno data35.12%
ARS 106.1m
Mariano Biglia
Chief Financial Officer0.33yrno datano data
Esteban Nicolas D´Agostino
Chief of Operations & Central Services0.50yrno datano data
Sergio Mazzitello
Chief Technology Officer0.83yrno datano data
Ana Bartesaghi
Head of IR & Treasurerno datano datano data
Sergio Gabriel Gabai
Chief of Legal Affairs & AML8.42yrsno datano data
Moira Almar
Compliance Officer3yrsno datano data
Santiago Enrique Batlle
Chief Human Resources Officer9.58yrsno datano data
Javier Conigliaro
Chief Risk Officer4.25yrsno datano data
Claudia Silvia Andretto
Chief of Central Services & Supply Management3.58yrsno datano data
Juan Cuccia
Head of Anti-Money Launderingno datano datano data
Pablo Di Salvo
Chief Credit Officer3.08yrsno datano data

3.0yrs

Average Tenure

55yo

Average Age

Experienced Management: SUPV's management team is considered experienced (3 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Julio Patricio Supervielle
Founder0.33yrno data35.12%
ARS 106.1m
Atilio Maria Maini
Secretary & Director9.08yrsno datano data
José Orlando
Independent Director0.17yrno datano data
Emérico Alejandro Stengel
Second Vice-Chairmanno datano datano data
Jorge Oscar Ramírez
First Vice-Chairman7.75yrsno datano data
Enrique José Barreiro
Member of the Supervisory Committee11.33yrsno datano data
Laurence Nicole Mengin de Loyer
Independent Director0.50yrno datano data
Carlos Alfredo Ojeda
Member of the Supervisory Committee1.25yrsno datano data
Eduardo Pablo Braun
Independent Director1.5yrsno datano data
Valeria Del Bono Lonardi
Member of Supervisory Committee2.5yrsno datano data
Hugo Enrique Basso
Director1.5yrsno datano data

1.5yrs

Average Tenure

58.5yo

Average Age

Experienced Board: SUPV's board of directors are not considered experienced ( 1.5 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Grupo Supervielle S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Grupo Supervielle S.A.
  • Ticker: SUPV
  • Exchange: NYSE
  • Founded: 1887
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: AR$23.613b
  • Listing Market Cap: AR$301.935m
  • Shares outstanding: 456.72m
  • Website: https://www.gruposupervielle.com

Location

  • Grupo Supervielle S.A.
  • Bartolomé Mitre 434
  • 5th Floor
  • Buenos Aires
  • Capital Federal
  • C1036AAH
  • Argentina

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SUPVBASE (Buenos Aires Stock Exchange)YesClass B Ordinary SharesARARSMay 2016
SUPVNYSE (New York Stock Exchange)SPONSORED ADRUSUSDMay 2016
189ADB (Deutsche Boerse AG)SPONSORED ADRDEEURMay 2016
SUPV NBMV (Bolsa Mexicana de Valores)SPONSORED ADRMXMXNMay 2016

Biography

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Retail Banking, Corporate Banking, Treasury, Consumer ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/29 00:31
End of Day Share Price2020/10/27 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.