Grupo Supervielle S.A. (SUPV) Análise de ações

Visão geral da empresa

Grupo Supervielle S.A. operates as a financial services holding company dedicated to delivering a comprehensive suite of banking products and services within the Argentine market. The entity functions through distinct segments including Personal & Business Banking, Corporate Banking, Treasury, Insurance, and Asset Management and Other Services, providing essential financial instruments such as savings accounts to a diverse client base. This institution is classified within the Financial Services sector and specifically the Banks - Regional industry, positioning it as a key regional lender that serves local economic needs while adhering to specific regulatory frameworks. The company currently holds a market capitalization of $930.91M and reports annual revenue of $728.99B, though specific employee count data is unavailable in public records. The reported revenue figure, despite its magnitude, indicates the company's significant operational footprint in the region, while the market capitalization reflects the aggregate market value assigned to its equity, suggesting a valuation that must be interpreted carefully given the broader financial context of the institution.

Saúde financeira

The company reports a trailing twelve-month revenue of $728.99B, yet simultaneously records a net income of $-48,582,393,856, a disparity that reveals a substantial negative cost structure and significant operational losses relative to top-line generation. While the EBITDA metric is not available in the current reporting cycle, the absence of positive earnings before interest and taxes alongside the reported net loss underscores the severity of the profitability challenges facing the bank. Free cash flow data is not disclosed in the available financial statements, which limits the immediate assessment of the company's internal liquidity generation capabilities and financial flexibility. The gross margin stands at 0.0%, a figure typical for financial intermediaries where revenue is primarily fee-based or interest-based rather than product sales, yet the operating margin of -18.2% and profit margin of -6.7% indicate that overhead costs and interest expenses are severely eroding profitability. In terms of solvency, the balance sheet shows a cash position of $671.03B against total debt of $1.13T, presenting a scenario where liabilities exceed liquid assets, while the debt-to-equity ratio is not disclosed. The current ratio is also unavailable, preventing a direct calculation of short-term liquidity coverage relative to immediate obligations. Return on Equity is reported at -4.7% and Return on Assets at -0.7%, metrics that collectively reveal that management is currently destroying shareholder value and failing to generate returns on the deployed capital base.

Avaliação de valorização

The trailing twelve-month P/E ratio is unavailable due to the reported net losses, whereas the forward P/E ratio is listed at 7.44, a divergence that implies the market is pricing the stock based on anticipated future earnings recovery rather than current profitability. The price-to-book ratio is 1.19, indicating that the market values the company's equity at a slight premium of 19% over its book value, which may reflect confidence in future asset quality or intangible value not captured on the balance sheet. Alternative valuation metrics such as the price-to-sales ratio of 0.00 and the EV/EBITDA ratio of N/A suggest that traditional valuation models relying on earnings or sales multiples are currently inapplicable or require significant adjustment for the current loss-making environment. The stock's 52-week trading range spans from a low of $4.54 to a high of $17.02, providing a historical context for price volatility and recent trading activity relative to the asset's recent performance history. With a beta of 0.67, the stock exhibits lower price volatility relative to the broader market, suggesting that the asset's price movements are less sensitive to general market fluctuations compared to the average equity.

Growth & Income

Revenue growth year-over-year has contracted by -29.8%, and since earnings growth data is not available, the negative revenue trajectory signals a significant decline in top-line business volume or a structural shift in the bank's operational model. The inability to grow earnings in conjunction with shrinking revenue implies that the company is facing compounding pressures that are affecting both its income generation and its overall business scale. As a non-dividend payer, the company reports a dividend yield of N/A and a payout ratio of 0.0%, confirming that it retains all available earnings rather than distributing them to shareholders, a strategy often employed during periods of financial stress or capital preservation. The overall growth and income profile is characterized by a contraction in revenue, a complete absence of dividend distributions, and a reliance on retained capital to address the substantial losses and balance sheet adjustments currently underway.