Grupo Supervielle S.A. (SUPV)
Grupo Supervielle S.A. is an Argentine financial services conglomerate that provides a wide array of banking and financial solutions. The company serves both individual customers and corporate entities through its distinct operational segments: Personal and Business Banking, Corporate Banking, Treasury and Finance, Capital Markets and Structuring, and Support Areas. Its extensive product and service portfolio includes various deposit accounts such as savings, checking, and fixed-term options. Lending products encompass personal, consumer, mortgage, and vehicle loans, along with specific financing for project development and working capital needs, overdraft facilities, leasing services, and bank guarantees for tenants. The group also handles payroll services, offers credit and debit cards, facilitates senior citizens' benefit payments, and provides domestic and international factoring, trade finance, and international guarantees. Beyond traditional banking, Grupo Supervielle offers investment vehicles like mutual funds, comprehensive insurance policies (covering personal accidents, unemployment, pets, and more), advisory services, treasury operations, and asset management. The company also operates as an online brokerage platform. As of December 31, 2021, the firm maintained a significant physical presence across Argentina, boasting 298 access points. This network included 184 bank branches, 10 sales and collection centers, 79 points of sale, 20 Tarjeta Automática branches, and 5 Mila branches. Complementing this were 450 ATMs, 230 self-service terminals, and 298 ATMs equipped with biometric identification. Established in 1887, the company was initially known as Inversiones y Participaciones S.A. before rebranding as Grupo Supervielle S.A. in November 2008. Its headquarters are located in Buenos Aires, Argentina.
Sector: Commercial Banks, NEC
Industry: Banks - Regional
Grupo Supervielle S.A.
NYSE:SUPVFinancial Services · Banks - Regional
-1.05%$5.63
Prev close$5.69-1.05%Close$5.630.00%AH close$5.63
AH$5.63+0.00%vs close
Mkt Cap$492.89M
Float54.76M
O/S87.55M
Inst Own13.9%
SI4.3%
EarningsNov 17 · in 1w
Dilution
Financials Summary
Revenue$1.5B
Net Income-$36.63M
Total Assets$5.04B
Free Cash Flow-$731.65M
Debt & Equity
Debt 51%
Equity 49%
Total Debt$679.06M
Total Equity$651.53M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in SUPV's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$5.04B
Liabilities$4.39B
Accounts Receivable$450.16M
Accounts Payable$55.46M
Inventory$0
PP&E (Net)$85.81M
Goodwill$50.08M
Intangible Assets$99.88M
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 |
| Revenue | $1.5B | $1.32B | $1.95B | $1.27B | $513.71M | $156.82M | $100.31M | $61.48M | $33.33M | $9.05M | $5.87M | $4.11M | $2.83M |
| YoY Growth | 13.7% | -32.2% | 53.6% | 147.3% | 227.6% | 56.3% | 63.2% | 84.5% | 268.3% | 54.1% | 42.7% | 45.3% | - |
| Cost of Revenue | $910.5M | $572.88M | $1.16B | $714.17M | $266.86M | $69.67M | $56.05M | $30.19M | $11.98M | $3.35M | $2.24M | $1.6M | $917K |
| Gross Profit | $594.05M | $750.29M | $796.24M | $556.38M | $246.85M | $87.15M | $44.26M | $31.29M | $21.34M | $5.7M | $3.63M | $2.52M | $1.92M |
| Gross Margin | 39.5% | 56.7% | 40.8% | 43.8% | 48.1% | 55.6% | 44.1% | 50.9% | 64.0% | 63.0% | 61.8% | 61.2% | 67.6% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $246.71M | $262.24M | $291.01M | $308.6M | $135.31M | $46.44M | $26.6M | $16.58M | $11.97M | $2.77M | $1.99M | $1.4M | $1.08M |
| Other | $420.28M | $395.6M | $383.49M | $285.59M | $117.26M | $32.77M | $20.3M | $17.49M | $8.96M | $1.74M | $1.04M | $742K | $522K |
| Total Operating Expenses | $666.99M | $657.84M | $674.5M | $594.2M | $252.57M | $79.21M | $46.9M | $34.07M | $20.93M | $4.51M | $3.02M | $2.14M | $1.6M |
| Operating Income (EBIT) | -$72.94M | $92.45M | $121.74M | -$37.81M | -$5.72M | $7.94M | -$2.64M | -$2.77M | $415K | $1.19M | $607K | $373K | $311K |
| Operating Margin | -4.8% | 7.0% | 6.2% | -3.0% | -1.1% | 5.1% | -2.6% | -4.5% | 1.2% | 13.1% | 10.3% | 9.1% | 11.0% |
| Interest Expense | $714.02M | $575.86M | $1.16B | $728.45M | $238.53M | $54.37M | $46.42M | $23.6M | $8.27M | $2.7M | $1.91M | $1.4M | $694K |
| Interest Income | $1.32B | $1.08B | $1.63B | $1.11B | $407.14M | $123.1M | $60.12M | $41.55M | $22.31M | $6.74M | $4.18M | $3M | $1.86M |
| Other Income (Expense) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | -$72.94M | $92.45M | $121.74M | -$37.81M | -$5.72M | $7.94M | -$2.64M | -$2.77M | $415K | $1.19M | $607K | $373K | $311K |
| Income Tax Expense | -$36.23M | $24.78M | $48.95M | -$15.73M | $1.1M | $1.28M | $224K | $1.37M | $1.17M | $324K | $160K | $129K | $63K |
| Net Income | -$36.63M | $67.62M | $72.73M | -$22.06M | -$6.81M | $6.66M | -$2.86M | -$4.1M | -$751K | $849K | $436K | $235K | $241K |
| Net Income Margin | -2.4% | 5.1% | 3.7% | -1.7% | -1.3% | 4.2% | -2.9% | -6.7% | -2.3% | 9.4% | 7.4% | 5.7% | 8.5% |
| Supplementary Data | |||||||||||||
| EPS | -652.95 | 1423.60 | 582.95 | -172.30 | -9.40 | 57.85 | -48.40 | -69.40 | -14.75 | 20.35 | 22.20 | 18.80 | 7.60 |
| Diluted EPS | -652.95 | 1423.60 | 582.95 | -172.30 | -9.40 | 57.85 | -48.40 | -69.40 | -14.75 | 20.50 | 22.20 | 18.80 | 7.60 |
| Weighted Average OS | 87.54M | 87.93M | 88.55M | 88.53M | 91.34M | 91.34M | 91.34M | 91.34M | 78.57M | 64.45M | 30.37M | 24.77M | 49.15M |
| EBITDA | -$25.43M | $126.26M | $180.93M | $6.5M | $10.87M | $12.52M | -$226K | -$2.19M | $1.03M | $1.32M | $714K | $451K | $342K |
| EBITDA Margin | -1.7% | 9.5% | 9.3% | 0.5% | 2.1% | 8.0% | -0.2% | -3.6% | 3.1% | 14.6% | 12.2% | 11.0% | 12.1% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 |
| Assets | |||||||||||||
| Current Assets | |||||||||||||
| Cash and Cash Equivalents | $1.03B | $428.41M | $358.01M | $102.35M | $53.49M | $36.87M | $23.38M | $33.54M | $10.62M | $9.58M | $1.81M | $1.16M | $746K |
| Short-Term Investments | $0 | $426K | $447K | $0 | $0 | $0 | $0 | $6K | $8K | $874 | $0 | $0 | $0 |
| Cash and Short-Term Investments | $1.03B | $428.84M | $358.45M | $102.35M | $53.49M | $36.87M | $23.38M | $33.54M | $10.63M | $9.58M | $1.81M | $1.16M | $746K |
| Accounts Receivable | $450.16M | $255.8M | $144.72M | $104.17M | $62.68M | $25.31M | $12.96M | $14.27M | $13.42M | $11.14M | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | -$458.92M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $1.03B | $690.87M | $511.55M | $209.21M | $117.17M | $62.5M | $36.36M | $47.84M | $24.07M | $20.72M | $1.81M | $1.16M | $746K |
| Long-Term Assets | |||||||||||||
| Property, Plant & Equipment Net | $85.81M | $65.96M | $72.08M | $37.02M | $13.91M | $6.94M | $3.53M | $2.17M | $1.33M | $1.06M | $152K | $146K | $107K |
| Goodwill | $50.08M | $38.08M | $38.08M | $20.08M | $6.93M | $3.56M | $2.35M | $1.73M | $107K | $107K | $26K | $32K | $38K |
| Intangible Assets | $99.88M | $69.34M | $57.22M | $24.81M | $7.47M | $3.07M | $1.48M | $965K | $190K | $307K | $84K | $64K | $0 |
| Long-Term Investments | $3.69B | $1.86B | $993.23M | $972.67M | $264.82M | $130.8M | $76.57M | $84.35M | $55.2M | $39.49M | $0 | $0 | $0 |
| Deferred Tax Assets | $51.53M | $9.78M | $18.26M | $24.59M | $4.08M | $3.24M | $1.47M | $818K | $749K | $638K | $0 | $0 | $0 |
| Other Long-Term Assets | $28.43M | $178.84M | $1.21B | $113.19M | $77.72M | $33.33M | $9.23M | $3.2M | $5.85M | $2.47M | $19.31M | $13.64M | $10.38M |
| Total Long-Term Assets | $4.01B | $2.22B | $2.39B | $1.19B | $374.92M | $180.93M | $94.63M | $93.24M | $63.44M | $44.06M | $19.57M | $13.88M | $10.52M |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $5.04B | $2.92B | $2.9B | $1.4B | $492.09M | $243.43M | $130.98M | $141.09M | $87.51M | $64.79M | $21.38M | $15.04M | $11.27M |
| Liabilities | |||||||||||||
| Current Liabilities | |||||||||||||
| Accounts Payable | $55.46M | $36.14M | $55.09M | $32.64M | $7.45M | $3.58M | $2.08M | $1.49M | $1.15M | $630K | $173K | $232K | $132K |
| Short-Term Debt | $254.47M | $21.98M | $1.33M | $0 | $0 | $0 | $282K | $0 | $0 | $705K | $0 | $0 | $0 |
| Current Income Tax Payable | $0 | $25.31M | $28.77M | $14.28M | $4.36M | $3.02M | $1.23M | $1.92M | $1.35M | $1.28M | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | -$213.53M | $2.04B | $2.15B | $1.09B | $366.18M | $176.44M | $78.58M | $94.74M | $53.89M | $42.76M | -$8K | -$445K | -$280K |
| Total Current Liabilities | $254.47M | $2.18B | $2.26B | $1.15B | $382.55M | $185.39M | $84.43M | $98.49M | $56.74M | $45.67M | $413K | $229K | $164K |
| Long-Term Liabilities | |||||||||||||
| Long-Term Debt | $424.59M | $33.1M | $1K | $1.13M | $1.34M | $5.24M | $7.23M | $10.64M | $8.86M | $4.09M | $1.23M | $711K | $413K |
| Long-Term Unearned Revenue | $0 | $299K | $1.28M | $661K | $232K | $184K | $170K | $124K | $49K | $53K | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $2.05M | $2.28M | $366K | $78K | $41K | $446K | $222K | $19K | $9K | $0 | $0 | $0 |
| Other Long-Term Liabilities | $3.71B | $186.69M | $154.18M | $64M | $42.24M | $16.57M | $17.23M | $14.71M | $8.71M | $7.17M | $11.63M | $12.96M | $6.31M |
| Total Long-Term Liabilities | $4.13B | $223.11M | $159.16M | $67.38M | $44.56M | $23.19M | $25.91M | $25.7M | $17.64M | $11.32M | $19.39M | $13.67M | $10.21M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $4.39B | $2.4B | $2.42B | $1.22B | $427.11M | $208.58M | $110.34M | $124.19M | $74.37M | $56.99M | $19.8M | $13.9M | $10.37M |
| Stockholders' Equity | |||||||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $283K | $283K | $286K | $288K | $296K | $296K | $296K | $296K | $296K | $235K | $161K | $81K | $81K |
| Retained Earnings | -$31.42M | $58.07M | $62.94M | -$20.47M | -$4.82M | $1.98M | -$12.68M | -$6.28M | -$489K | $877K | $452K | $251K | $257K |
| Comprehensive Income & Other | $170.63M | $68.98M | $22.52M | $17.91M | $8.33M | $1.31M | $9.56M | $5.71M | $2.14M | $1.3M | $863K | $714K | $478K |
| Other Stockholders' Equity | $682.67M | $457.85M | $417.81M | $206.1M | $69.45M | $32.55M | $33.02M | $22.86M | $13.18M | $6.47M | $923K | $773K | $537K |
| Total Equity | $651.53M | $516.2M | $481.04M | $185.92M | $64.93M | $34.82M | $20.63M | $16.88M | $12.99M | $7.58M | $1.54M | $1.1M | $875K |
| Minority Interest | $504K | $688K | $385K | $147K | $52K | $28K | $17K | $14K | $144K | $214K | $46K | $35K | $27K |
| Total Liabilities and Equity | $5.04B | $2.91B | $2.9B | $1.4B | $492.04M | $243.4M | $130.97M | $141.07M | $87.36M | $64.57M | $21.34M | $15M | $11.24M |
| Supplementary Data | |||||||||||||
| Total Debt | $679.06M | $59.05M | $5.35M | $4.29M | $3.05M | $6.4M | $8.34M | $10.64M | $8.86M | $4.79M | $1.23M | $711K | $413K |
| Net Debt | -$355.35M | -$369.36M | -$352.65M | -$98.06M | -$50.44M | -$30.48M | -$15.04M | -$22.9M | -$1.76M | -$4.79M | -$579K | -$447K | -$333K |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 |
| Operating Activities | |||||||||||||
| Net Income | -$36.63M | $67.66M | $33.4M | -$10.13M | -$6.81M | $3.42M | -$2.86M | -$4.1M | -$752K | $849K | $436K | $235K | $241K |
| Depreciation & Amortization | $47.5M | $33.81M | $59.19M | $44.31M | $16.58M | $4.58M | $2.41M | $586K | $619K | $136K | $107K | $79K | $30K |
| Deferred Income Tax | -$29.99M | $0 | $22.48M | $0 | $0 | $0 | $0 | $0 | $1.17M | $0 | $0 | $0 | $0 |
| Stock-Based Compensation | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Changes in Working Capital: | |||||||||||||
| Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | -$318.7M | $1.27B | $255.62M | $482.51M | $291.91M | $19.8M | $81.66M | $44.35M | $7.74M | $0 | $0 | $0 | $0 |
| Total Working Capital Change | -$318.7M | $1.27B | $255.62M | $482.51M | $291.91M | $19.8M | $81.66M | $44.35M | $7.74M | $0 | $0 | $0 | $0 |
| Other Non-Cash Items | -$339.24M | -$1.04B | -$268.48M | -$150.87M | -$104.76M | -$34.14M | $8.4M | -$4.96M | -$26.78M | -$1.17M | $1.04M | $826K | -$31K |
| Net Cash from Operating | -$677.05M | $335.75M | $102.21M | $365.82M | $196.93M | -$6.35M | $89.62M | $35.86M | -$18M | -$190K | $1.59M | $1.14M | $241K |
| Investing Activities | |||||||||||||
| Capital Expenditures | -$54.59M | -$37.03M | -$16.02M | -$16.85M | -$19.72M | -$4.61M | -$1.48M | -$3.87M | -$975K | -$320K | $0 | -$34K | -$28K |
| Acquisitions | $8.29M | $0 | $0 | $0 | $0 | -$7K | -$263K | -$2.49M | $0 | $0 | $0 | $0 | $0 |
| Purchases of Investments | -$6.35M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$109K | $0 | $0 | $0 | $0 |
| Sales of Investments | $336.23M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $21K | $0 | $0 | $0 | $0 |
| Other Investing Activities | $446.02M | $7.11M | $3.79M | $1.63M | $1.29M | $370K | $11K | $344K | $665K | $11K | -$122K | -$202K | -$31K |
| Net Cash from Investing | $729.59M | -$29.92M | -$12.22M | -$15.22M | -$18.43M | -$4.25M | -$1.73M | -$6.02M | -$397K | -$309K | -$122K | -$235K | -$58K |
| Financing Activities | |||||||||||||
| Debt Repaid | -$57.13M | -$53.83M | $4.37M | $8.16M | $37.17M | $13.84M | $166.15M | $97.25M | $56.23M | -$160K | -$365K | $85K | -$104K |
| Common Stock Issuance | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock Repurchases | $0 | -$6.42M | -$556K | -$2.79M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Dividends Paid | -$24.79M | -$18.09M | $0 | -$318K | -$333K | -$518K | -$411K | -$445K | -$110K | -$17K | -$5K | -$5K | -$6K |
| Other Financing Activities | $281.17M | -$708.58M | -$644.56M | -$112.75M | -$10.13M | -$12.71M | -$142.68M | -$12.45M | $74.74M | $1.4M | -$11K | -$60K | -$5K |
| Net Cash from Financing | $313.52M | -$679.26M | -$649.49M | -$387.82M | -$212.95M | $14.42M | -$145.71M | -$9.05M | $18.4M | $1.54M | $563K | -$216K | $88K |
| Forex Effect | $164.52M | $171.59M | $140.39M | $6.28M | $43.37M | $10.13M | $32.04M | $20.79M | $13.97M | $0 | $0 | $0 | $0 |
| Net Change in Cash | $475.51M | $138.82M | $53.91M | -$65.95M | $137.02M | $1.4M | -$26.51M | $32.17M | $13.97M | $1.34M | $2.31M | $815K | $1.8M |
| Supplementary Data | |||||||||||||
| Operating Cash Flow | -$677.05M | $335.75M | $102.21M | $365.82M | $196.93M | -$6.35M | $89.62M | $35.86M | -$18M | -$190K | $1.59M | $1.14M | $241K |
| Capital Expenditure | -$54.59M | -$37.13M | -$32.32M | -$16.85M | -$19.72M | -$4.61M | -$1.48M | -$3.87M | -$975K | -$320K | $0 | -$34K | -$28K |
| Free Cash Flow | -$731.65M | $298.61M | $86.19M | $348.97M | $177.21M | -$10.96M | $88.13M | $31.99M | -$18.97M | -$510K | $1.59M | $1.11M | $214K |
| Cash at Beginning | $649.27M | $354.73M | $109.62M | $175.57M | $38.55M | $37.15M | $63.66M | $31.49M | $17.52M | $4.93M | $2.62M | $1.8M | $0 |
| Cash at End | $1.12B | $493.55M | $163.53M | $109.62M | $175.57M | $38.55M | $37.15M | $63.66M | $31.49M | $6.27M | $4.93M | $2.62M | $1.8M |