Company Overview
Grupo Supervielle S.A. operates as a financial services holding company that provides a comprehensive range of banking products and services across Argentina, utilizing segments focused on personal and business banking, corporate banking, treasury, insurance, and asset management. The company functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which characterizes its operations as serving local market dynamics rather than global banking systems. Its scale is defined by a market capitalization of $822.65M and reported annual revenue of $728.99B, with an employee count listed as N/A in available records. These valuation and revenue figures indicate a significant market presence relative to its capitalization, though the disparity between the market cap and the stated revenue figure suggests specific accounting classifications or data reporting nuances inherent to the region's financial reporting standards.
Financial Health
The company reported a revenue of $728.99B over the trailing twelve months, yet the net income for the same period was -$48,582,393,856, while EBITDA figures are not available for citation. This substantial gap between the reported revenue and the negative net income reveals a cost structure where expenses, likely including loan loss provisions or operational costs, vastly exceed operating earnings, resulting in a significant deficit. The free cash flow is not available for citation, which precludes a direct assessment of the company's immediate financial flexibility based on cash conversion metrics in this dataset. Analysis of the three available margins shows a gross margin of 0.0%, an operating margin of -18.2%, and a profit margin of -6.7%. The zero gross margin indicates that the company does not maintain traditional markup on sales in its reporting, while the negative operating and profit margins confirm that the business is currently operating at a loss on an operational and net basis. When comparing total cash assets of $671.03B against total debt of $1.13T, the balance sheet appears leveraged given that debt significantly exceeds cash reserves, and the debt-to-equity ratio is listed as N/A. The current ratio is not available, so a specific determination regarding short-term liquidity based on current assets versus current liabilities cannot be made from the provided data. Return on Equity stands at -4.7% and Return on Assets is -0.7%, metrics that reveal management is currently unable to generate positive returns on shareholder capital or the asset base, indicating a period of financial contraction or heavy provisioning rather than growth.
Valuation Assessment
The trailing twelve-month P/E ratio is 39.77, while the forward P/E is 6.61, implying a drastic divergence where the market prices in significantly lower future earnings expectations compared to historical performance or current negative earnings. The price-to-book ratio is 5.24, indicating that the market values the company at over five times its book value despite the reported losses, suggesting a premium based on potential recovery or intangible assets not fully captured in book value. The price-to-sales ratio is listed as 0.00 and the EV/EBITDA is N/A, which suggests that traditional multiple-based valuation models are distorted by the negative earnings and specific revenue reporting structure, making these alternative metrics difficult to interpret in a standard context. The stock has traded between a 52-week high of $17.02 and a 52-week low of $4.54, placing the current market price within a range that reflects high volatility and significant downward pressure from the high point. The beta value is 0.69, which means the stock exhibits lower price volatility relative to the broader market, moving less than the overall index during periods of market fluctuation.
Growth & Income
Revenue growth year-over-year is -29.8%, while earnings growth is not available for citation due to the negative earnings context; this indicates that the company is contracting significantly in terms of top-line revenue rather than expanding. Since the company is not a dividend payer, the dividend yield is N/A and the payout ratio is 0.0%, meaning the company retains all earnings or utilizes capital for operations rather than distributing cash to shareholders. The absence of a dividend payout suggests the company is reinvesting its resources, albeit within a context of negative net income, into growth initiatives or to maintain liquidity against its high debt load. The overall growth and income profile presents a challenging landscape characterized by negative revenue expansion and no income distribution to investors, reflecting a phase of structural adjustment or severe economic impact within its operating environment.