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Grupo Supervielle

NYSE:SUPV
Snowflake Description

Excellent balance sheet with high growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SUPV
NYSE
ARS29B
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Grupo Supervielle S.A., a financial services holding company, provides banking products and services in Argentina. The last earnings update was 68 days ago. More info.


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  • Grupo Supervielle has significant price volatility in the past 3 months.
SUPV Share Price and Events
7 Day Returns
-9.1%
NYSE:SUPV
-0.4%
US Banks
-0.3%
US Market
1 Year Returns
-33.5%
NYSE:SUPV
-5.7%
US Banks
3.9%
US Market
SUPV Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Grupo Supervielle (SUPV) -9.1% 2% 34.3% -33.5% -43.9% -
US Banks -0.4% 2.3% -0.3% -5.7% 46.2% 45.8%
US Market -0.3% 2.3% 2.3% 3.9% 36.7% 41.8%
1 Year Return vs Industry and Market
  • SUPV underperformed the Banks industry which returned -5.7% over the past year.
  • SUPV underperformed the Market in United States of America which returned 3.9% over the past year.
Price Volatility
SUPV
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Grupo Supervielle's competitors could be found in our database.

SUPV Value

 Is Grupo Supervielle undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Grupo Supervielle to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Grupo Supervielle.

NYSE:SUPV Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= ARS57.86 * 20.6%
ARS11.90
Book Value of Equity per Share Weighted future Book Value estimates from 3 analysts. ARS57.86
Discount Rate (Cost of Equity) See below 8.4%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:SUPV
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.596 (1 + (1- 30%) (78.28%))
0.949
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.95
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.949 * 5.96%)
8.38%

Discounted Cash Flow Calculation for NYSE:SUPV using Excess Returns Model Model

The calculations below outline how an intrinsic value for Grupo Supervielle is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NYSE:SUPV Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (20.6% – 8.38%) * ARS57.86)
ARS7.05
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= ARS7.05 / (8.38% - 2.73%)
ARS124.74
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= ARS57.86 + ARS124.74
ARS182.6
NYSE:SUPV Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in NYSE:SUPV represents 0.11786x of BASE:SUPV
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.11786x
Value per Share
(Listing Adjusted, USD)
= Value per Share (ARS) x Listing Adjustment Factor
= ARS 182.60 x 0.11786
$21.52
Value per share (USD) From above. $21.52
Current discount Discount to share price of $7.59
= -1 x ($7.59 - $21.52) / $21.52
64.7%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Grupo Supervielle is available for.
Intrinsic value
>50%
Share price is $7.59 vs Future cash flow value of $21.52
Current Discount Checks
For Grupo Supervielle to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Grupo Supervielle's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Grupo Supervielle's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Grupo Supervielle's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Grupo Supervielle's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:SUPV PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in ARS ARS-6.92
BASE:SUPV Share Price ** BASE (2019-07-19) in ARS ARS64.4
United States of America Banks Industry PE Ratio Median Figure of 594 Publicly-Listed Banks Companies 12.76x
United States of America Market PE Ratio Median Figure of 3,083 Publicly-Listed Companies 17.92x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Grupo Supervielle.

NYSE:SUPV PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BASE:SUPV Share Price ÷ EPS (both in ARS)

= 64.4 ÷ -6.92

-9.3x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Grupo Supervielle is loss making, we can't compare its value to the US Banks industry average.
  • Grupo Supervielle is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Grupo Supervielle's expected growth come at a high price?
Raw Data
NYSE:SUPV PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -9.3x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts
54%per year
United States of America Banks Industry PEG Ratio Median Figure of 270 Publicly-Listed Banks Companies 1.2x
United States of America Market PEG Ratio Median Figure of 2,123 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Grupo Supervielle, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Grupo Supervielle's assets?
Raw Data
NYSE:SUPV PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in ARS ARS38.91
BASE:SUPV Share Price * BASE (2019-07-19) in ARS ARS64.4
United States of America Banks Industry PB Ratio Median Figure of 594 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,248 Publicly-Listed Companies 1.8x
NYSE:SUPV PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BASE:SUPV Share Price ÷ Book Value per Share (both in ARS)

= 64.4 ÷ 38.91

1.66x

* Primary Listing of Grupo Supervielle.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Grupo Supervielle is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Grupo Supervielle's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Grupo Supervielle has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SUPV Future Performance

 How is Grupo Supervielle expected to perform in the next 1 to 3 years based on estimates from 7 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
54%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Grupo Supervielle expected to grow at an attractive rate?
  • Grupo Supervielle's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Grupo Supervielle's earnings growth is expected to exceed the United States of America market average.
  • Grupo Supervielle's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:SUPV Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:SUPV Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts 54%
NYSE:SUPV Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 7 Analysts 17.8%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.9%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:SUPV Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
All numbers in ARS Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:SUPV Future Estimates Data
Date (Data in ARS Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 37,655 5,687 5
2020-12-31 32,396 4,568 5
2019-12-31 29,925 3,914 3
NYSE:SUPV Past Financials Data
Date (Data in ARS Millions) Revenue Cash Flow Net Income *
2019-03-31 18,379 -1,195 -3,162
2018-12-31 17,078 -7,635 -3,028
2018-09-30 22,264 -45,493 -246
2018-06-30 20,805 -40,243 -557
2018-03-31 20,083 -39,482 -324
2017-12-31 18,850 -35,309 -754
2017-09-30 12,554 -11,780 1,884
2017-06-30 11,165 -3,503 1,765
2017-03-31 9,541 873 1,428
2016-12-31 8,163 -294 1,311
2016-09-30 7,573 176 1,139
2016-06-30 6,796 -2,110 896

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Grupo Supervielle's earnings are expected to grow significantly at over 20% yearly.
  • Grupo Supervielle's revenue is expected to grow by 17.8% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:SUPV Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below

All data from Grupo Supervielle Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:SUPV Future Estimates Data
Date (Data in ARS Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 12.45 12.50 12.41 2.00
2020-12-31 9.93 10.10 9.83 3.00
2019-12-31 8.52 8.52 8.52 1.00
NYSE:SUPV Past Financials Data
Date (Data in ARS Millions) EPS *
2019-03-31 -6.92
2018-12-31 -6.63
2018-09-30 -0.54
2018-06-30 -1.27
2018-03-31 -0.78
2017-12-31 -1.92
2017-09-30 5.09
2017-06-30 4.85
2017-03-31 4.10
2016-12-31 4.10
2016-09-30 5.80
2016-06-30 5.38

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Grupo Supervielle is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
X
Future performance checks
We assess Grupo Supervielle's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Grupo Supervielle has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SUPV Past Performance

  How has Grupo Supervielle performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Grupo Supervielle's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Grupo Supervielle does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Grupo Supervielle's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Grupo Supervielle's 1-year growth to the US Banks industry average as it is not currently profitable.
Earnings and Revenue History
Grupo Supervielle's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Grupo Supervielle Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:SUPV Past Revenue, Cash Flow and Net Income Data
Date (Data in ARS Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 18,378.70 -3,161.50 15,370.33
2018-12-31 17,077.66 -3,028.00 14,162.81
2018-09-30 22,263.60 -245.87 15,668.41
2018-06-30 20,805.07 -557.10 14,739.39
2018-03-31 20,083.09 -323.54 14,092.81
2017-12-31 18,850.29 -754.37 13,613.10
2017-09-30 12,554.27 1,884.50 7,480.46
2017-06-30 11,165.45 1,764.79 6,538.01
2017-03-31 9,541.35 1,428.43 5,580.24
2016-12-31 8,163.35 1,311.30 4,657.44
2016-09-30 7,572.61 1,139.17 4,169.27
2016-06-30 6,796.25 895.79 3,847.26
2016-03-31 6,212.28 764.24 3,614.18
2015-12-31 5,619.11 674.11 3,323.42
2015-09-30 4,649.78 395.80 3,000.14
2015-06-30 4,419.70 312.64 2,774.45
2015-03-31 4,088.44 361.67 2,488.57
2014-12-31 3,905.38 362.92 2,329.09
2014-09-30 3,859.51 394.37 2,199.78
2014-06-30 3,240.88 407.96 2,041.56
2014-03-31 3,011.17 371.08 1,934.89
2013-12-31 2,957.36 372.99 1,767.19
2013-09-30 2,569.43 348.22 1,682.31
2013-06-30 2,429.13 319.30 1,608.06
2013-03-31 2,325.26 319.03 1,497.73
2012-12-31 2,358.90 326.21 1,399.88
2012-09-30 2,102.93 276.29 1,290.37

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Grupo Supervielle has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Grupo Supervielle has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Grupo Supervielle improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Grupo Supervielle's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Grupo Supervielle has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SUPV Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Grupo Supervielle's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Grupo Supervielle Company Filings, last reported 3 months ago.

NYSE:SUPV Past Debt and Equity Data
Date (Data in ARS Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 17,785.97 22,088.42 41,094.90
2018-12-31 16,968.07 19,370.66 22,096.93
2018-09-30 16,255.68 22,377.19 20,127.23
2018-06-30 15,501.21 20,001.36 20,227.68
2018-03-31 15,259.19 17,049.07 15,914.29
2017-12-31 20,291.77 18,936.98 28,907.40
2017-09-30 14,309.49 12,079.23 14,369.13
2017-06-30 7,836.47 11,536.38 10,102.41
2017-03-31 7,321.62 13,414.53 13,449.51
2016-12-31 7,034.95 5,689.70 4,704.62
2016-09-30 6,516.32 3,848.80 3,181.90
2016-06-30 6,074.42 3,799.00 3,873.88
2016-03-31 2,622.92 4,457.06 3,985.12
2015-12-31 2,444.54 3,602.56 3,142.45
2015-09-30 2,077.92 2,679.94 2,323.07
2015-06-30 1,879.48 2,436.28 3,537.16
2015-03-31 1,848.74 2,420.76 2,667.49
2014-12-31 1,761.74 2,088.45 2,205.56
2014-09-30 1,677.04 2,291.66 2,093.33
2014-06-30 1,561.41 1,815.70 3,023.39
2014-03-31 1,482.71 1,712.98 1,396.21
2013-12-31 1,394.37 1,650.36 1,728.21
2013-09-30 1,277.99 1,412.67 1,574.36
2013-06-30 1,151.29 1,325.86 1,010.31
2013-03-31 1,109.84 1,121.57 1,019.01
2012-12-31 1,019.49 1,146.37 1,026.17
2012-09-30 925.12 1,090.00 831.69
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Grupo Supervielle has an acceptable proportion of non-loan assets held.
  • Grupo Supervielle's liabilities are made up of primarily low risk sources of funding.
  • Loans at Grupo Supervielle are broadly funded by customer deposits.
  • Grupo Supervielle's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Grupo Supervielle has a sufficient allowance for bad loans.
  • Grupo Supervielle has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Grupo Supervielle's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Grupo Supervielle has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SUPV Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.03%
Current annual income from Grupo Supervielle dividends. Estimated to be 1.72% next year.
If you bought $2,000 of Grupo Supervielle shares you are expected to receive $21 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Grupo Supervielle's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.43%).
  • Grupo Supervielle's dividend is below the markets top 25% of dividend payers in United States of America (3.74%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:SUPV Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 479 Stocks 3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:SUPV Future Dividends Estimate Data
Date (Data in ARS) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 2.05 3.00
2020-12-31 0.28 2.00
2019-12-31 0.54 2.00
NYSE:SUPV Past Annualized Dividends Data
Date (Data in ARS) Dividend per share (annual) Avg. Yield (%)
2019-05-10 0.663 1.128
2018-04-27 0.800 1.248
2018-03-13 0.800 0.662
2018-02-20 0.800 0.650
2017-05-09 0.180 0.234

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Grupo Supervielle has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Grupo Supervielle only paid a dividend in the past 2 years.
Current Payout to shareholders
What portion of Grupo Supervielle's earnings are paid to the shareholders as a dividend.
  • The company is paying a dividend however it is incurring a loss.
Future Payout to shareholders
  • Dividends after 3 years are expected to be thoroughly covered by earnings (16x coverage).
X
Income/ dividend checks
We assess Grupo Supervielle's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Grupo Supervielle afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Grupo Supervielle has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SUPV Management

 What is the CEO of Grupo Supervielle's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Jorge Oscar Ramírez
AGE 58
TENURE AS CEO 0.8 years
CEO Bio

Mr. Jorge Oscar Ramírez has been a Director at Grupo Supervielle S.A since April 15, 2011. Mr. Ramírez serves as a Director at Alpargatas S.A.I.C. Mr. Ramírez serves as Chief Executive Officer at Banco Supervielle SA since February 2019 and serves as its General Manager. Mr. Ramírez is a certified public accountant, with a degree from the University of Buenos Aires. Mr. Ramírez has over 37 years’ experience in the financial sector. He joined the Grupo Supervielle S.A in 2011 and served its Executive Vice Chairman of the Board since 2013 and serves as its First Vice Chairman of the Board. He was Vice Chairman of the Board of Banco Supervielle SA until April 12, 2019. He serves as Chairman of the Board of Supervielle Seguros. Previously, he served as Regional President and Country Manager for Argentina, Uruguay and the Andean Region at BankBoston. Mr. Ramírez has a degree in accounting from the University of Buenos Aires and an executive management program degree from ESE. He is Chief Executive Officer and Chief Operating Officer at Grupo Supervielle SA since September 01, 2018 and was its Chief Operating Officer since September 01, 2018 until April 9, 2019.

CEO Compensation
  • Insufficient data for Jorge to compare compensation growth.
  • Insufficient data for Jorge to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Grupo Supervielle management team in years:

3
Average Tenure
57
Average Age
  • The tenure for the Grupo Supervielle management team is about average.
Management Team

Julio Supervielle

TITLE
Chairman of the Board
AGE
63

Jorge Oscar Ramírez

TITLE
First Vice-Chairman & CEO
AGE
58
TENURE
0.8 yrs

Emérico Stengel

TITLE
Second Vice-Chairman
AGE
57
TENURE
0.3 yrs

Alejandra Naughton

TITLE
Chief Financial Officer
AGE
57
TENURE
7.8 yrs

Ana Bartesaghi

TITLE
Investor Relations Officer & Treasurer

Sergio Gabai

TITLE
Chief Legal & AML Officer
AGE
52
TENURE
7.2 yrs

Moira Almar

TITLE
Chief Compliance Officer

Santiago Enrique Batlle

TITLE
Chief Human Resources Officer
AGE
46
TENURE
8.4 yrs

Javier Conigliaro

TITLE
Chief Risk Officer
AGE
55
TENURE
3 yrs

Claudia Andretto

TITLE
Chief of Central Services & Supply Management
AGE
59
TENURE
2.4 yrs
Board of Directors Tenure

Average tenure and age of the Grupo Supervielle board of directors in years:

3.4
Average Tenure
60.5
Average Age
  • The tenure for the Grupo Supervielle board of directors is about average.
Board of Directors

Julio Supervielle

TITLE
Chairman of the Board
AGE
63

Jorge Oscar Ramírez

TITLE
First Vice-Chairman & CEO
AGE
58
TENURE
6.5 yrs

Emérico Stengel

TITLE
Second Vice-Chairman
AGE
57

Atilio María Dell’Oro Maini

TITLE
Director
AGE
63
TENURE
7.8 yrs

Ricardo De Lellis

TITLE
Director
AGE
65
TENURE
0.3 yrs

Eduardo Braun

TITLE
Director
AGE
56
TENURE
0.3 yrs

Victoria Premrou

TITLE
Director
AGE
50
TENURE
0.3 yrs

Hugo Enrique Basso

TITLE
Director
AGE
40
TENURE
0.3 yrs

Carlos Alberto Asato

TITLE
Member of the Supervisory Committee
AGE
71
TENURE
10.1 yrs

Enrique Barreiro

TITLE
Member of the Supervisory Committee
AGE
74
TENURE
10.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Grupo Supervielle's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Grupo Supervielle has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SUPV News

Simply Wall St News

Three Important Risk Metrics For Grupo Supervielle SA. (NYSE:SUPV) You Should Know

Grupo Supervielle’s ability to forecast and provision for its bad loans relatively accurately indicates it has a good understanding of the level of risk it is taking on. … If it writes off more than 100% of the bad debt it provisioned for, then it has inadequately estimated the factors that may have added to a higher bad loan level which begs the question – does Grupo Supervielle understand its own risk? … With a ratio of 2.92%, the bank faces an appropriate level of bad loan, indicating prudent management and an industry-average risk of default.

Simply Wall St -

How Do Analysts See Grupo Supervielle SA (SUPV) Performing Over The Next Year?

Analysts covering Grupo Supervielle SA (NYSE:SUPV) are predicting double-digit earnings per share growth of 41.50% over the next 12 months. … This indicates a relatively solid earnings per share growth rate of 41.50% over the next 1-2 years, which is an optimistic outlook in the near term. … During the same time we will see the revenue grow from ARS10,060M ARS13,808M NYSE:SUPV Past Future Earnings Nov 8th 17 Is this similar growth to the past?

Simply Wall St -

SUPV Company Info

Description

Grupo Supervielle S.A., a financial services holding company, provides banking products and services in Argentina. The company operates through Retail Banking, Corporate Banking, Treasury, Consumer Finance, Insurance, and Asset Management and Other Services segments. It accepts deposit accounts; and offers personal loans, mortgage loans, foreign trade finance, and loans to the middle and lower-middle-income sectors. The company also offers credit cards; insurance and mutual fund products; and factoring, leasing, cash management, asset management, and microcredit financing services. In addition, it distributes treasury products, such as debt securities; and provides non-financial products and services, as well as purchase and sale of foreign exchange and precious metals. The company serves individuals, small and medium-sized enterprises, and large-sized companies. It operates 325 access points, including 182 bank branches, 22 banking payment and collection centers, 79 CCF sales points, and 35 consumer financing branches and other sale points, as well as 526 ATMs, 217 self-service terminals, and 180 cash dispensers. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is headquartered in Buenos Aires, Argentina.

Details
Name: Grupo Supervielle S.A.
SUPV
Exchange: NYSE
Founded: 1887
ARS692,736,935
456,722,322
Website: http://www.gruposupervielle.com
Address: Grupo Supervielle S.A.
Bartolomé Mitre 434,
5th Floor,
Buenos Aires,
Capital Federal, C1036AAH,
Argentina
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BASE SUPV Class B Ordinary Shares Buenos Aires Stock Exchange AR ARS 19. May 2016
NYSE SUPV SPONSORED ADR New York Stock Exchange US USD 19. May 2016
DB 189A SPONSORED ADR Deutsche Boerse AG DE EUR 19. May 2016
BMV SUPV N SPONSORED ADR Bolsa Mexicana de Valores MX MXN 19. May 2016
Number of employees
Current staff
Staff numbers
0
Grupo Supervielle employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/20 00:40
End of day share price update: 2019/07/19 00:00
Last estimates confirmation: 2019/07/02
Last earnings filing: 2019/05/13
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.