Grupo Supervielle S.A. is an Argentine financial services conglomerate that provides a wide array of banking and financial solutions. The company serves ...
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Est. EPS $319.84 · Revenue $330.24B · 2 analysts
Est. EPS $423.98 · Revenue $349.31B · 2 analysts
Est. EPS $849.49 · Revenue $1.46T · 1 analysts
Est. EPS $473.84 · Revenue $354.46B · 1 analysts
EPS ARS 146.70 · Revenue ARS 548.29B
EPS ARS -194.60 · Revenue ARS 571.86B
EPS ARS -652.95 · Revenue ARS 2.33T
EPS ARS -574.30 · Revenue ARS 323.36M
EPS ARS 155.40 · Revenue ARS 439.22B
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $2325.1B | +13.7% | -4.1% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $-56.6B | -154.2% | +175.3% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +39.5% | -30.4% | +16.5% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | -4.8% | -169.4% | +189.8% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | -2.4% | -147.6% | +178.5% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $-1130.7B | -345.0% | +26926.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | -48.6% | -315.5% | +28080.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 104.2% | +811.1% | -27.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 4.06x | +1180.1% | +35.5% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $7788.6B | +72.9% | +148982.3% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | -652.95 vs -373.18 | -75.0% | 146.70 vs 229.52 | -36.1% |
| Revenue Surprise | $2325.1B vs $1069.0B | +117.5% | $548.3B vs $328.0B | +67.2% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Jun 25, 2026 | Duthu Valeria | officer: See Remarks | Stock Options (Right to Buy) | A | 52,527 | $1.97 |
| Jun 1, 2026 | Duthu Valeria | officer | — | — | 0 | — |
| May 18, 2026 | Morello Ignacio Juan | officer: See Remarks | Class B Ordinary Shares | D | 51,000 | $1.62 |
| Apr 28, 2026 | Naughton Alejandra Gladis | director | Class B Ordinary Shares | — | 0 | — |
| Apr 28, 2026 | Conigliaro Javier Alejandro | director: | — | — | 0 | — |
Ana Bartesaghi: Good morning, and welcome to Grupo Supervielle's Fourth Quarter 2025 Earnings Call. I'm Ana Bartesaghi, Treasurer and IRO. Today's conference call is being recorded. [Operator Instructions] Speaking today are Patricio Supervielle, our Chairman and CEO; and Mariano Biglia, our CFO. Gustavo Paco Manriquez, Banco Supervielle''s CEO; and [Diego Pizzulli], CEO of Inverted Online, will also be available during the Q&A session. Before we begin, please note this call may include forward-looking statements. Please refer to our earnings release and SEC filings for further details. Julio Patricio Supervielle: Thank you, Ana. Good morning, everyone, and thank you for joining us today. In the fourth quarter, we delivered results within our guidance range and positioned the balance sheet for industry recovery. The period was marked by elevated system-wide credit stress, which we were not immune to. However, in several key areas, we outperformed the industry. Let me walk you through the key drivers of our quarter results. First, loan growth continued to outperform the industry. Total loans grew 8% sequentially and 37% year-over-year. Growth was led by corporates, which expanded 25% quarter-over-quarter and now represents 63% of the portfolio. Retail balances declined sequentially as we prioritize risk-adjusted returns and tightened underwriting in response to the more volatile environment. Second, Asset quality reflects the peak of the stress cycle. The NPL ratio increased to 5%, consistent with industry trends, rapid loan growth since 2024 and the significantly restrictive monetary conditions early in the year. Cost of risk reached the upper end of our guidance range, also reflecting updated macroeconomic assumptions under IFRS 9. Third, funding remained resilient despite strategic deleveraging. Total deposits declined sequentially as we reduced wholesale institutional funding to optimize the balance sheet. In contrast, core transactional balances remain resilient. U.S. dollar deposits increased 42% year-over-year, gaining 60 basis points of market share, while remunerated accounts continued gaining traction among payroll and SME clients. Fourth, we reported an attributable net loss of Argentine's AR 19.5 billion, narrowing significantly from the third quarter loss. The improvement reflected margin recovery and strict cost control despite elevated cost of risk based on updated macro assumptions and system-wide credit stress. Encouragingly, NIM rebounded sequentially, supported by lower funding costs and better investment portfolio yields, while personnel expenses declined 6% sequentially. Importantly, CET1 strengthened to 15.4%, up 220 basis points quarter-over-quarter, preserving flexibility for 2026 growth. In sum, 4Q '25 was a transition quarter marked by strong loan growth, peak cost of risk, margin recovery and solid capital. Let me now turn to the broader environment. The fourth quarter marked the peak of an exceptionally tight …
| Name | Title | Gender | Year Born | Status |
|---|---|---|---|---|
Ana Ines Bartesaghi Bender | Chief Corporate Affairs, Deputy Head of Market Rrelations & Chief Investor Relations Officer | Female | 1968 | Active |
Casandra Lisa Giuliano | Chief People Officer | Female | 1971 | Active |
Julio Patricio Supervielle | Founder, Chairman of the Board & Chief Executive Officer | Male | 1956 | Active |
Leonardo Rodolfo Maglia | Chief Technology Officer | Male | — | Active |
Celeste Ibañez | Chief Legal & Compliance Officer | Female | 1977 | Active |
Sergio Gustavo Vazquez | Chief Audit Executive & Risk Officer | Male | 1974 | Active |
Atilio Maria Dell'Oro Maini | First Vice-Chairman of the Board & Secretary | Male | 1956 | Active |
Juan Cuccia | Head of Anti-Money Laundering | Male | 1971 | Active |
Mariano Biglia | Chief Financial Officer | Male | 1978 | Active |
Matias Gonzalez Carrara | Head Administration & Accounting | — | — | Active |
Grupo Supervielle NYSE: SUPV reported a return to profitability in the second quarter of 2026, supported by stronger net financial income, lower inflation adjustment and early improvement in credit costs, while the Argentine financial group said its workforce-reduction program has largely been completed.
Return to profitability, with Adjusted ROAE of 12.4% excluding extraordinary severance charges from the rightsizing plan Group headcount reduced 17% vs. year-end 2025, with AR$42 billion in annualized personnel savings and full run-rate benefit from 3Q26 NPL ratio improved to 5.5%, 210 bps below industry, with net cost of risk further easing to 5.6% BUENOS AIRES, Argentina, Aug. 10, 2026 /PRNewswire/ -- Grupo Supervielle S.A.
