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SUPV

Grupo Supervielle S.A.

SUPV

Grupo Supervielle S.A. • NYSE
$11.24 ▲ 2.55% (+0.28)
Market Cap $984.02 M
52w High $19.75
52w Low $4.54
Dividend Yield 0.17%
P/E 53.52
Volume 1.13M
Outstanding Shares 87.55M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $439.217B ▲ $209.474B ▲ $13.604B ▲ 3.097% ▲ $155.4 ▲ $28.372B ▲
Q1-2025 $349.147B ▼ $156.369B ▼ $7.938B ▼ 2.273% ▼ $90.65 ▼ $22.845B ▲
Q4-2024 $460.359B ▲ $342.056B ▲ $14.688B ▲ 3.191% ▲ $404.1 ▲ $17.701B ▼
Q3-2024 $356.745B ▼ $178.829B ▼ $8.877B ▼ 2.488% ▼ $101.4 ▼ $20.526B ▼
Q2-2024 $553.343B $279.127B $23.804B 4.302% $193.8 $56.886B

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $1.099T ▲ $6.034T ▲ $5.099T ▲ $932.913B ▲
Q1-2025 $876.431B ▲ $5.365T ▲ $4.464T ▲ $899.279B ▲
Q4-2024 $662.728B ▼ $4.506T ▲ $3.707T ▲ $797.735B ▲
Q3-2024 $792.429B ▲ $3.998T ▲ $3.26T ▲ $736.887B ▲
Q2-2024 $292.402B $3.34T $2.691T $648.69B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $14.314B ▲ $164.274B ▲ $-9.035B ▲ $108.171B ▼ $252.225B ▲ $148.526B ▲
Q1-2025 $10.185B ▼ $-45.806B ▲ $-9.244B ▲ $188.275B ▲ $91.31B ▲ $-52.097B ▲
Q4-2024 $35.376B ▲ $-81.11B ▼ $-19.485B ▼ $34.162B ▲ $-83.008B ▼ $-70.611B ▼
Q3-2024 $24.891B ▼ $493.482B ▲ $-14.239B ▼ $28.659B ▲ $506.489B ▲ $477.422B ▲
Q2-2024 $44.338B $91.172B $-8.954B $-30.361B $0 $79.594B

Five-Year Company Overview

Income Statement

Income Statement The bank’s income statement shows a clear turnaround story. Revenue has expanded very sharply over the last couple of years, after being relatively modest earlier in the period. Profitability has moved from small or negative results to much healthier operating and net profits more recently. That points to better cost control, improved pricing, or more profitable product mix. However, the path has been bumpy, with some years of operating and net losses in between, which suggests earnings can still be quite sensitive to Argentina’s economic and interest-rate environment. Overall, the recent trend is clearly positive, but not yet long enough to be considered fully stable.

Balance Sheet

Balance Sheet The balance sheet has grown significantly, with total assets and shareholders’ equity both climbing over time. This indicates the bank has been able to build its capital base and absorb growth in its loan book and other assets. Reported financial debt is modest relative to equity, which is typical for a bank that mainly funds itself through customer deposits rather than wholesale borrowing. Cash levels have also improved, providing a bit more liquidity cushion than in earlier years. The picture is of a stronger, more solid institution than it was a few years ago, though underlying credit quality and country risk remain important factors that are not visible in these high-level figures.

Cash Flow

Cash Flow Cash generation has been a real bright spot. Operating cash flow has been solid in most years and especially strong recently, comfortably covering the bank’s investment needs. Free cash flow has generally been positive, even after technology and other capital spending, which suggests the business is self-funding its growth and transformation. The one weak year earlier in the period looks more like a stress point than a persistent pattern. Overall, cash flows support the idea that the recent improvement in earnings is backed by real money coming in, not just accounting gains.

Competitive Edge

Competitive Edge Grupo Supervielle blends a long-standing brand in Argentina with an increasingly digital profile. Its more than century-long presence supports trust and customer relationships, while its move into a universal financial group (retail, corporate, insurance, and asset management) spreads risk across multiple lines of business. The integration of a leading online brokerage platform gives it a differentiated foothold with more digitally engaged and investment-oriented clients, which many traditional banks lack. At the same time, it still faces intense competition from both larger domestic banks and fast-moving fintechs, all operating in a very volatile macroeconomic environment. Its advantage seems to rest on combining legacy scale and trust with modern digital capabilities and cross-selling across its ecosystem.

Innovation and R&D

Innovation and R&D Innovation is a clear strategic priority. The bank has committed to a digital-first model, anchored by its SuperApp, AI-enabled customer service (including WhatsApp banking), and a hybrid cloud, API-based technology stack. These moves are designed to make the bank faster, more flexible, and easier to integrate with fintech and insurtech partners. The acquisition and integration of the IOL invertironline platform adds an innovative wealth and trading dimension that many peers do not have, and creates room for richer, more personalized offerings. Future plans focus on deeper use of artificial intelligence, more tailored digital experiences, expansion in higher-margin retail lending, and broader wealth and capital markets services. This is less about classic “lab R&D” and more about continuous, technology-driven product and process innovation.

Summary

Grupo Supervielle appears to be in the middle of a successful transformation. Financial performance has shifted from patchy and loss-making to meaningfully profitable, with stronger revenue and improved margins supported by solid cash generation. The balance sheet has scaled up and capital has strengthened, giving the bank more room to operate in a challenging economic backdrop. Strategically, it is positioning itself as a digitally advanced, universal bank that leverages both its long history and its newer technology assets, notably its SuperApp and online brokerage platform. The main opportunities lie in deepening digital relationships, cross-selling across its ecosystem, and growing higher-margin retail and wealth products. The main risks stem from Argentina’s macroeconomic and regulatory volatility, as well as ongoing competition from large incumbents and agile fintechs. The direction of travel is positive, but the environment remains demanding, so execution and risk management will continue to be critical.

NEWS

November 25, 2025 · 4:12 PM UTC

Grupo Supervielle Reports 3Q25 Results

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