NYSE : SUPV
Grupo Supervielle S.A. — Financial statements
Financials · Banks - Regional · Argentina
Last price 6.44 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 611.06M
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Financial statements
Income statement
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 1.77T | 1.76T | 2.22T | 2.62T | 784.35B | 627.42B |
| Total Interest Income | 1.77T | 1.76T | 2.22T | 2.62T | 784.35B | 627.42B |
| Interest Paid on Deposits | 947.20B | 947.13B | 1.17T | 1.79T | 515.40B | 366.99B |
| Total Interest Expense | 947.20B | 947.13B | 1.17T | 1.79T | 515.40B | 366.99B |
| Net Interest Income | 826.11B | 807.95B | 1.05T | 829.30B | 268.95B | 260.43B |
| Gain (Loss) on Sale of Assets | 165.64M | 9.95M | 89.11M | 54.32M | ||
| Gain (Loss) on Sale of Investments | 5.06B | 5.06B | 107.95B | 43.77B | ||
| Other Non-Interest Income | 207.68B | 176.58B | 78.69B | 190.38B | 117.86B | 129.19B |
| Total Non-Interest Income | 212.74B | 181.65B | 186.81B | 234.16B | 117.95B | 129.25B |
| Revenues Before Loan Losses | 1.04T | 989.60B | 1.24T | 1.06T | 386.91B | 389.68B |
| Provision for Loan Losses | 296.37B | 260.62B | 69.62B | 68.86B | 44.13B | 54.17B |
| Revenue | 742.48B | 728.99B | 1.17T | 994.60B | 342.78B | 335.51B |
| Salaries and Employee Benefits | 367.90B | 327.25B | 385.87B | 349.28B | 167.83B | 155.24B |
| Occupancy Expenses | 80.70B | 73.86B | 69.17B | 61.45B | 16.21B | 13.30B |
| Selling, General & Administrative | 204.31B | 194.90B | 203.85B | 149.78B | 74.26B | 78.15B |
| Other Non-Interest Expense | 229.21B | 229.06B | 267.90B | 221.38B | 95.11B | 84.19B |
| Total Non-Interest Expense | 882.12B | 825.07B | 926.79B | 781.89B | 353.40B | 330.88B |
| EBT Excluding Unusual Items | -139.64B | -96.08B | 244.41B | 212.71B | -10.62B | 4.62B |
| Asset Writedown | 5.55B | -668.49M | -13.40B | -23.98B | -16.21B | -13.46B |
| Pretax Income | -134.08B | -96.75B | 231.00B | 188.73B | -26.84B | -8.83B |
| Income Tax Expense | -49.32B | -48.06B | 66.20B | 76.76B | -11.16B | 1.70B |
| Earnings From Continuing Operations | -84.76B | -48.69B | 164.80B | 111.97B | -15.67B | -10.53B |
| Minority Interest in Earnings | 1.41B | 110.40M | -127.26M | -89.59M | 17.00M | 11.02M |
| Net Income | -83.36B | -48.58B | 164.68B | 111.88B | -15.65B | -10.52B |
| Net Income to Common | -83.36B | -48.58B | 164.68B | 111.88B | -15.65B | -10.52B |
| Basic Shares Outstanding | 437.73M | 437.73M | 439.66M | 442.73M | 454.27M | 456.72M |
| Diluted Shares Outstanding | 437.73M | 437.73M | 439.66M | 442.73M | 454.27M | 456.72M |
| EPS (Basic) | -190.44 | -110.99 | 374.55 | 252.71 | -34.46 | -23.04 |
| EPS (Diluted) | -190.44 | -110.99 | 374.55 | 252.71 | -34.46 | -23.04 |
| Dividend Per Share | 62.00 | 44.04 | 0.64 | |||
| Effective Tax Rate | 28.66% | 40.67% |
Balance sheet
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 422.06B | 523.78B | 372.66B | 312.48B | 83.54B | 51.23B |
| Investment Securities | 1.41T | 841.21B | 1.12T | 2.25T | 918.70B | 239.77B |
| Trading Asset Securities | 367.25B | 143.59B | 220.66B | 96.50B | 60.62B | 43.46B |
| Total Investments | 1.78T | 984.81B | 1.34T | 2.34T | 979.31B | 283.23B |
| Gross Loans | 4.35T | 4.00T | 2.92T | 1.09T | 769.73B | 310.06B |
| Allowance for Loan Losses | -244.31B | -231.02B | -64.79B | -37.90B | -38.06B | -10.78B |
| Other Adjustments to Gross Loans | -3.48B | -4.97B | -1.84B | -2.44B | ||
| Net Loans | 4.10T | 3.77T | 2.86T | 1.05T | 731.67B | 299.28B |
| Property, Plant & Equipment | 151.27B | 132.66B | 134.10B | 111.39B | 57.22B | 21.50B |
| Goodwill | 90.47B | 77.42B | 77.42B | 58.86B | 31.03B | 10.70B |
| Other Intangible Assets | 170.38B | 154.41B | 140.96B | 88.43B | 38.34B | 11.55B |
| Investments in Real Estate | 105.97B | 92.59B | 103.44B | 99.29B | 52.64B | 16.94B |
| Other Receivables | 50.43B | 32.30B | 15.73B | 22.85B | 9.86B | 3.11B |
| Restricted Cash | 1.13T | 1.21T | 630.18B | 225.68B | 84.65B | 35.32B |
| Other Current Assets | 19.51B | 17.75B | 17.30B | 17.60B | 4.36B | 1.81B |
| Long-Term Deferred Tax Assets | 107.42B | 79.67B | 26.59B | 38.00B | 6.25B | |
| Other Long-Term Assets | 590.08B | 721.02B | 269.57B | 125.73B | 55.37B | 19.60B |
| Total Assets | 8.72T | 7.79T | 5.96T | 4.48T | 2.17T | 760.52B |
| Accrued Expenses | 181.03B | 257.70B | 205.35B | 115.90B | 59.66B | 12.20B |
| Interest Bearing Deposits | 5.97T | 5.12T | 4.17T | 3.37T | 1.71T | 561.90B |
| Total Deposits | 5.97T | 5.12T | 4.17T | 3.37T | 1.71T | 561.90B |
| Short-Term Borrowings | 483.70B | 630.24B | 122.68B | 33.57B | 6.42B | 25.04B |
| Current Portion of Long-Term Debt | 233.48B | 45.54B | 2.73B | 14.21B | 12.07B | |
| Current Income Taxes Payable | 442.76M | 6.88B | 1.61B | 6.74B | ||
| Other Current Liabilities | 299.53B | 255.56B | 240.14B | 162.69B | 76.42B | 34.01B |
| Long-Term Debt | 569.74B | 254.80B | 6.16B | 3.13B | 4.76B | 2.18B |
| Long-Term Leases | 14.79B | 12.30B | 8.07B | 6.22B | 4.88B | 2.65B |
| Long-Term Deferred Tax Liabilities | 2.23B | 11.00B | ||||
| Other Long-Term Liabilities | 19.92B | 20.09B | 62.32B | 33.04B | 5.50B | 2.76B |
| Total Liabilities | 7.54T | 6.78T | 4.87T | 3.74T | 1.88T | 660.00B |
| Common Stock | 437.73M | 437.73M | 437.73M | 442.67M | 444.41M | 456.72M |
| Additional Paid-In Capital | 852.00B | 729.16B | 729.16B | 554.29B | 264.23B | 84.85B |
| Retained Earnings | 240.25B | 209.07B | 287.07B | 121.18B | -31.64B | 3.15B |
| Treasury Stock | -15.24B | -15.51B | -27.85B | -11.25B | -4.31B | |
| Comprehensive Income & Other | 103.00B | 84.10B | 93.30B | 81.77B | 58.59B | 11.97B |
| Total Common Equity | 1.18T | 1.01T | 1.08T | 746.43B | 287.32B | 100.43B |
| Minority Interest | 882.41M | 779.57M | 1.43B | 598.18M | 227.51M | 79.79M |
| Shareholders' Equity | 1.18T | 1.01T | 1.08T | 747.03B | 287.54B | 100.51B |
| Total Liabilities & Equity | 8.72T | 7.79T | 5.96T | 4.48T | 2.17T | 760.52B |
| Total Debt | 1.07T | 1.13T | 182.45B | 45.65B | 30.28B | 41.92B |
| Net Cash (Debt) | -57.55B | -459.79B | 410.88B | 2.01T | 181.08B | 136.23B |
| Net Cash Per Share | -131.48 | -1,050.39 | 934.53 | 4,537.74 | 398.62 | 298.28 |
| Filing Date Shares Outstanding | 437.73M | 437.73M | 437.73M | 442.67M | 444.41M | 456.72M |
| Total Common Shares Outstanding | 437.73M | 437.73M | 437.73M | 442.67M | 444.41M | 456.72M |
| Book Value Per Share | 2,696.75 | 2,301.10 | 2,472.13 | 1,686.20 | 646.51 | 219.90 |
| Tangible Book Value | 919.60B | 775.43B | 863.74B | 599.15B | 217.95B | 78.18B |
| Tangible Book Value Per Share | 2,100.84 | 1,771.47 | 1,973.22 | 1,353.49 | 490.42 | 171.18 |
Cash flow statement
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -83.36B | -48.58B | 164.68B | 111.88B | -15.65B | -10.52B |
| Depreciation & Amortization | 80.49B | 73.72B | 68.74B | 60.82B | 29.15B | 25.63B |
| Gain (Loss) on Sale of Assets | 520.31M | 451.37M | 431.77M | 623.46M | ||
| Gain (Loss) on Sale of Investments | -77.18B | -75.78B | -185.57B | -187.20B | -1.53B | -1.54B |
| Total Asset Writedown | -4.40B | -4.40B | -94.55B | -19.19B | 4.80B | 2.68B |
| Provision for Credit Losses | 296.37B | 260.62B | 69.62B | 68.86B | 44.13B | 54.17B |
| Change in Trading Asset Securities | -26.26B | 158.35B | 122.78B | 283.27B | 60.22B | 72.72B |
| Change in Other Net Operating Assets | 1.30T | 806.09B | 2.59T | 2.71T | 745.67B | 451.12B |
| Other Operating Activities | -762.08B | -689.16B | -618.93B | -550.14B | -301.44B | -289.92B |
| Operating Cash Flow | 735.18B | 489.10B | 2.11T | 2.48T | 565.34B | 304.33B |
| Capital Expenditures | -66.81B | -72.42B | -75.28B | -49.94B | -26.04B | -30.47B |
| Sale of Property, Plant and Equipment | 2.35B | 11.00B | 14.55B | 10.15B | 2.48B | 2.53B |
| Other Investing Activities | 1.02B | -4.77B | 113.46M | 2.61B | 38.11M | -538.01M |
| Investing Cash Flow | -63.44B | -66.19B | -60.62B | -37.18B | -23.53B | -28.48B |
| Long-Term Debt Issued | 9.79T | 463.88B | 300.16B | 522.95B | 209.90B | |
| Long-Term Debt Repaid | -9.25T | -354.45B | -335.60B | -556.27B | -283.00B | |
| Lease Payments | -7.93B | -14.72B | ||||
| Net Debt Issued (Repaid) | -12.35B | 532.61B | 109.43B | -35.44B | -33.31B | -73.10B |
| Repurchase of Common Stock | -13.05B | -1.87B | -4.31B | |||
| Common Dividends Paid | -32.88B | -36.78B | -1.53B | -3.12B | ||
| Total Dividends Paid | -32.88B | -36.78B | -1.53B | -3.12B | ||
| Net Increase (Decrease) in Deposit Accounts | -700.09B | -3.32B | -1.43T | -2.13T | -560.18B | -252.87B |
| Other Financing Activities | -9.38B | -15.22B | -11.70B | -10.90B | ||
| Financing Cash Flow | -721.82B | 481.19B | -1.38T | -2.18T | -599.33B | -329.09B |
| Foreign Exchange Rate Adjustments | 423.83B | 246.48B | 346.94B | 528.70B | 9.71B | 67.02B |
| Net Cash Flow | -129.71B | 734.86B | 282.21B | 180.69B | -101.91B | -90.04B |
| Free Cash Flow | 668.37B | 416.68B | 2.04T | 2.43T | 539.30B | 273.86B |
| Free Cash Flow Margin | 90.02% | 57.16% | 174.11% | 244.18% | 157.33% | 81.63% |
| Free Cash Flow Per Share | 1,526.90 | 951.91 | 4,637.98 | 5,485.63 | 1,187.18 | 599.63 |
| Free Cash Flow After Leases | 668.37B | 416.68B | 2.04T | 2.43T | 531.38B | 259.14B |
| Cash Interest Paid | 14.92B | 15.22B | 11.70B | 10.90B | ||
| Cash Income Tax Paid | 39.80B | 37.08B | 20.09B | 15.77B | 2.64B | 9.83B |
Ratios
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 621.50M | 1.08B | 1.52B | 429.63M | 395.42M | 362.47M |
| Last Close Price | 6.44 | 11.82 | 14.93 | 3.92 | 2.09 | 1.88 |
| PE Ratio | 9.50 | 3.10 | ||||
| PS Ratio | 1.22 | 2.14 | 1.34 | 0.35 | 0.20 | 0.11 |
| PB Ratio | 0.77 | 1.55 | 1.44 | 0.47 | 0.24 | 0.37 |
| P/FCF Ratio | 1.41 | 3.75 | 0.77 | 0.14 | 0.13 | 0.14 |
| P/OCF Ratio | 1.28 | 3.19 | 0.74 | 0.14 | 0.12 | 0.12 |
| Debt / Equity Ratio | 0.90 | 1.12 | 0.17 | 0.06 | 0.10 | 0.42 |
| Debt / FCF Ratio | 1.60 | 2.71 | 0.09 | 0.02 | 0.06 | 0.15 |
| Net Debt / Equity Ratio | 0.05 | 0.46 | -0.38 | -2.69 | -0.63 | -1.35 |
| Net Debt / FCF Ratio | 0.09 | 1.10 | -0.20 | -0.83 | -0.34 | -0.50 |
| Return on Equity (ROE) | -8.01% | -4.66% | 18.00% | 21.65% | -8.08% | -13.65% |
| Return on Assets (ROA) | -1.15% | -0.71% | 3.16% | 3.37% | -1.07% | -1.85% |
| Earnings Yield | -9.43% | -3.11% | 10.52% | 32.21% | -22.35% | -28.27% |
| FCF Yield | 70.93% | 26.66% | 130.31% | 699.20% | 770.01% | 735.74% |
| Dividend Yield | 1.73% | 5.61% | 0.79% | |||
| Payout Ratio | 22.34% | |||||
| Buyback Yield / Dilution | -0.00% | 0.44% | 0.69% | 2.54% | 0.54% | |
| Total Shareholder Return | -0.00% | 0.44% | 2.43% | 8.15% | 0.54% | 0.79% |