SUPVNYSECommercial Banks, NEC
Grupo Supervielle S.A.
Financials through fiscal 2024, year ended Dec 31, 2024Last filing: 20-F on Apr 8, 2026
$7.11−0.11 (-1.52%)
Close on Oct 19, 2026
Margins
Share of revenue, fiscal years 2016 to 2024
Operating margin
16.7%+21.4 pts over 5 years
Net margin
12.2%+19.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2024
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -13.9% | +36.5% | +71.7% | – | |
| Operating income | -24.1% | – | – | – | |
| Net income | -7.0% | – | – | – | |
| EPS, diluted | -6.4% | – | – | – |
Returns and balance sheet
9 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2019 | FY2024 | Trend |
|---|---|---|---|---|
| Return on equity | – | -15.3% | 13.6% | |
| Return on assets | – | -2.1% | 2.3% | |
| Interest coverage | – | -0.0× | 0.2× | |
| Diluted shares | – | 457M | 440M |
Cash use needs five years of cash flow figures
Grupo Supervielle does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin12.2%
×Asset turnover0.19×
×Equity multiplier5.83×
=Return on equity, FY202413.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2024 | 12.2% | 0.19× | 5.83× | 13.6% |
| FY2023 | 11.3% | 0.30× | 6.45× | 21.8% |
| FY2022 | -4.5% | 0.51× | 7.55× | -17.6% |
| FY2021 | -3.1% | 0.59× | 7.37× | -13.7% |
| FY2020 | 8.4% | 0.42× | 6.75× | 24.0% |
| FY2019 | -7.7% | 0.27× | 7.25× | -15.3% |
| FY2018 | -17.7% | 0.17× | 9.23× | -27.5% |
| FY2017 | -4.0% | 0.19× | 9.69× | -7.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2024 against fiscal 2023
4of 6 tests passed in fiscal 2024. Some tests lack the figures they need.
- ProfitableNet income above zero104.49B ARS
- Cash generatingOperating cash flow above zero518.86B ARS
- Return on assets improvedROA up on the prior year5.2% → 2.3%
- Earnings backed by cashOperating cash flow above net income518.86B ARS vs 104.49B ARS
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise443M → 440M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.46 → 0.19