SUPV

MKT CAP:$780M

Grupo Supervielle S.A.

Market Cap

$780M

Financial Services·Banks - Regional·🇦🇷 Argentina·NYSE

Financials·Banks - Regional·🇦🇷·NYSE

Stock Price

$8.98-$2.53 (-21.98%)

Apr 24, 2026

Company Details

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal and Business Banking, Corporate Banking, Treasury and Finance, Capital Markets ...

CEO

Julio Patricio Supervielle

IPO Date

May 19, 2016

Website

www.gruposupervielle.com

Key Metrics TTM

Revenue

$1.4B

+616.7% YoY

Net Income

-$25M

EPS (Diluted)

-$0.30

Free Cash Flow

$222M

Revenue / Share

$15.51

Gross Margin

42.2%

Operating Margin

0.8%

Net Margin

-1.9%

FCF Margin

16.4%

P/S

0.6x

P/E

—

Earnings Reports

FY 2025

Dec 30, 2025

$1.7B+13.7%EPS -$0.47

Q4 2025

Dec 30, 2025

$421MEPS -$0.17

Q3 2025

Sep 30, 2025

$82MEPS -$0.41

FY 2024

Apr 21, 2025

$1.5BEPS $1.03

Q4 2023

Dec 30, 2023

$563MEPS $0.27

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 16	$2M	$1M	$175.5K
Q2 16	$2M	$1M	$203.1K
Q3 16	$3M	$2M	$455.5K
Q4 16	$3M	$2M	$487.8K
Q3 17	$4M	$3M	$532.3K
Q2 18	$5M	$3M	$328.6K
Q3 18	$7M	$4M	$740.5K
Q3 19	$15M	$5M	-$2M
Q3 20	$20M	$10M	$861.8K
Q3 21	$38M	$17M	$216.6K
Q3 22	$115M	$47M	$1M
Q1 23	$291M	$102M	$5M
Q4 23	$563M	$249M	$41M
Q3 25	$82M	$76M	-$8M
Q4 25	$421M	$145M	-$27M

Valuation

Quarter	P/S	P/E
Q1 16	—	—
Q2 16	—	—
Q3 16	—	—
Q4 16	76.7x	824.8x
Q3 17	65.3x	639.0x
Q2 18	52.6x	602.5x
Q3 18	40.3x	485.9x
Q3 19	24.5x	—
Q3 20	16.1x	—
Q3 21	9.6x	—
Q3 22	4.1x	—
Q1 23	1.7x	640.6x
Q4 23	0.8x	32.5x
Q3 25	0.7x	—
Q4 25	0.6x	—

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 16	-$2M	-$2M
Q2 16	-$1M	-$1M
Q3 16	$1M	$1M
Q4 16	$1M	$989.3K
Q3 17	-$5M	-$5M
Q2 18	-$2M	-$3M
Q3 18	-$4M	-$4M
Q3 19	$9M	$9M
Q3 20	$4M	$3M
Q3 21	$962.9K	-$757.1K
Q3 22	$214M	$208M
Q1 23	$452M	$448M
Q4 23	$377M	$366M
Q3 25	-$616M	-$632M
Q4 25	$64M	$40M

Capital Expenditures

Quarter	CapEx
Q1 16	$28.3K
Q2 16	$16.1K
Q3 16	$13.8K
Q4 16	$298.0K
Q3 17	$46.4K
Q2 18	$1M
Q3 18	$60.1K
Q3 19	$325.1K
Q3 20	$913.0K
Q3 21	$2M
Q3 22	$5M
Q1 23	$4M
Q4 23	$11M
Q3 25	$16M
Q4 25	$24M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q3 17	+81.6%	+70.9%
Q2 18	+119.1%	+124.3%
Q3 18	+166.4%	+187.4%
Q3 19	+437.0%	+628.3%
Q3 20	+420.3%	+476.3%
Q3 21	+620.4%	+663.2%
Q3 22	+1496.2%	+1662.9%
Q1 23	+1806.2%	+1568.9%
Q4 23	+2652.1%	+2566.5%
Q3 25	+114.0%	+135.3%
Q4 25	+265.4%	+292.3%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 16	$0	0.0%
Q2 16	$0	0.0%
Q3 16	$0	0.0%
Q4 16	$0	0.0%
Q3 17	$0	0.0%
Q2 18	$0	0.0%
Q3 18	$0	0.0%
Q3 19	$0	0.0%
Q3 20	$0	0.0%
Q3 21	$0	0.0%
Q3 22	$0	0.0%
Q1 23	$0	0.0%
Q4 23	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 16	$639.1K	$30.4K
Q2 16	$838.7K	$30.0K
Q3 16	$664.2K	$41.4K
Q4 16	$884.9K	$61.3K
Q3 17	$1M	$93.4K
Q2 18	$2M	$146.5K
Q3 18	$2M	$125.1K
Q3 19	$4M	$241.1K
Q3 20	$6M	$292.2K
Q3 21	$9M	$689.2K
Q3 22	$24M	$2M
Q1 23	$50M	$2M
Q4 23	$76M	$4M
Q3 25	$58M	$3M
Q4 25	$56M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$25M	$0	$25M
Q2 22	$29M	$0	$29M
Q3 22	$25M	$0	$25M
Q4 22	$114M	$0	$114M
Q1 23	$42M	$0	$42M
Q2 23	$45M	$0	$45M
Q3 23	$72M	$0	$72M
Q4 23	$399M	$497.3K	$399M
Q1 24	$172M	$0	$172M
Q2 24	$211M	$0	$211M
Q3 24	$571M	$0	$571M
Q4 24	$477M	$474.4K	$478M
Q1 25	$632M	$0	$632M
Q2 25	$792M	$0	$792M
Q3 25	$1.3B	$0	$1.3B
Q4 25	$1.2B	$0	$1.2B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 16	67M	—	—
Q2 16	73M	+9.2%	—
Q3 16	73M	+0.3%	—
Q4 16	73M	-0.7%	—
Q3 17	74M	+2.1%	+11.1%
Q2 18	91M	+22.8%	+24.9%
Q3 18	91M	0.0%	+24.6%
Q3 19	91M	0.0%	+25.4%
Q3 20	91M	0.0%	+22.8%
Q3 21	91M	0.0%	0.0%
Q3 22	91M	-0.3%	-0.3%
Q1 23	89M	-2.8%	-3.0%
Q4 23	88M	-0.2%	-3.2%
Q3 25	88M	-1.0%	-4.2%
Q4 25	88M	0.0%	-3.9%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 16	—	—
Q2 16	—	—
Q3 16	—	—
Q4 16	$571	5K
Q3 17	$790	5K
Q2 18	$1.0K	5K
Q3 18	$1.4K	5K
Q3 19	$2.9K	5K
Q3 20	$4.1K	5K
Q3 21	$7.7K	5K
Q3 22	$24.0K	5K
Q1 23	$76.4K	4K
Q4 23	$153.8K	4K
Q3 25	$23.8K	3K
Q4 25	$121.8K	3K

Revenue / Employee