Company Analysis

Grupo Supervielle S.A. (SUPV)

NYSE: SUPV · Commercial Banks, NEC · Buenos Aires, AR · filing with the SEC since 2015
Grade4.3
◀ Past 2.7● Present 5.7▶ Future 4.9
1 est.

The grade of Grupo Supervielle S.A.

Nine metrics read from its own filings, by tense
Headline grade
4.3/10
◀ Past2.740% of the headline
● Present5.735% of the headline
▶ Future4.925% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

2.7/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
0.9/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2019-05-01.

weight 45% of this tense · 9th percentile among 33 sector filers · read for itself

From the record

Grupo Supervielle S.A.'s filings since 2017 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2019-05-01) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.4/10

What has it actually done, year after year?

+62.2% a year over 8 filed years; profitable in 3 of 8.

weight 22% of this tense · 44th percentile among 22 sector filers · read for its customers

From the record

Grupo Supervielle S.A.'s 8 filed years say what it did: revenue went from ARS 29 billion in fiscal 2017 to ARS 858 billion in fiscal 2024, up 62.2% a year; it rose in 6 of 7 years; the deepest fall was 14% from fiscal 2023 to fiscal 2024; net income was positive in 3 of 8 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span62.2%top 7% of its family
  • the share of years revenue rosetop 50% of its family
  • the share of filed years with a profitbottom 3% of its family
  • the deepest fall from a revenue peak13.9%bottom 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.0/10

How has it treated the people who own it?

Share count shrank 1.3% a year. 6% of cash flow returned. Insiders: 1 sales, 0 purchases.

weight 33% of this tense · 40th percentile among 29 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2024-12-31, Grupo Supervielle S.A.'s diluted share count shrank about 1.3% a year, and dividends and buybacks returned about 6% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-10-06 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 47% of its family
  • cash returned against operating cash flowbottom 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.7/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
6.6/10

Is it financially healthy right now?

ROE 13%: 13¢ of profit per shareholder dollar. Leverage 82%: owes 82¢ per asset dollar.

weight 45% of this tense · 66th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2024-12-31, Grupo Supervielle S.A. earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 82 cents per dollar of assets, and net share issuance: its share count shrank 0.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 15% of its family
  • return on equitytop 50% of its family
  • the share count against the year beforetop 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.0/10

How strong is its position in its industry?

top 50% of 21 in its family; net margin 12.2%.

weight 33% of this tense · 50th percentile among 21 sector filers · read for its customers

From the record

Grupo Supervielle S.A.'s standing among 21 graded names in its industry family: revenue of ARS 858 billion in fiscal 2024 is not ranked by size, since the family reports in another currency; a net margin of 12.2% ranks in the bottom 11%; revenue growth of 36.5% a year over the last 3 filed years ranks in the top 11% (its annual reports).

What it rests on

  • net margin12.2%bottom 11% of its family
  • three-year revenue growth36.5%top 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
universe median, 3816 readings behind it.
Confidence
15 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Grupo Supervielle S.A.'s leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

4.9/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
8.1/10

How much room does it have to grow?

top 19% of 19 in its family for room to expand.

weight 33% of this tense · 81st percentile among 19 sector filers · read for itself

From the record

Grupo Supervielle S.A.'s room to grow, from the newest filed statements (fiscal 2024): cash of ARS 653 billion against no long-term debt tagged leaves 14.5% of its assets as net cash, top 24% of its family; cash from operations less capital spending is 60.5% of revenue (top 13%) (its annual report).

What it rests on

  • cash less debt against assets14.5%top 24% of its family
  • cash from operations less capital spending against revenue60.5%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
0.5/10

What could actually drive growth from here?

bottom 5% of 22 in its family for growth drivers.

weight 33% of this tense · 5th percentile among 22 sector filers · read for its customers

From the record

Grupo Supervielle S.A.'s growth drivers, from the filed years to fiscal 2024: revenue grew 36.5% a year over the last three filed years against 62.2% over all 8, slowing (bottom 7% of its family); the newest year grew -13.9% (bottom 2%) (its annual reports). Grupo Supervielle S.A. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-25.7 points a yearbottom 7% of its family
  • the newest year's revenue growth-13.9%bottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
6.3/10

Did its newest year beat what its own record pointed to?

top 37% of 20 in its family for expectations against reality.

weight 33% of this tense · 63rd percentile among 20 sector filers · read for its shareholders

From the record

Grupo Supervielle S.A.'s newest year against its own record: revenue of ARS 858 billion in fiscal 2024 came in 49.9% below the ARS 1713 billion its prior three years' pace pointed to (bottom 3% of its family); net income of ARS 105 billion against a prior three-year average of ARS 23 billion (top 7%); a net margin of 12.2% against 1.2% before (top 7%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-49.9%bottom 3% of its family
  • net income against the prior three years' average+363%top 7% of its family
  • net margin against its prior average+11.0 pointstop 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton SUPV · research, not advice