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Grupo Supervielle SA (SUPV)SUPV
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Upturn Advisory Summary
09/18/2024: SUPV (5-star) is a STRONG-BUY. BUY since 24 days. Profits (11.92%). Updated daily EoD!
Analysis of Past Upturns
Type: Stock | Upturn Star Rating | Today’s Advisory: Strong Buy |
Profit: 88.81% | Upturn Advisory Performance 3 | Avg. Invested days: 27 |
Profits based on simulation | Stock Returns Performance 4 | Last Close 09/18/2024 |
Type: Stock | Today’s Advisory: Strong Buy |
Profit: 88.81% | Avg. Invested days: 27 |
Upturn Star Rating | Stock Returns Performance 4 |
Profits based on simulation Last Close 09/18/2024 | Upturn Advisory Performance 3 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 932.01M USD |
Price to earnings Ratio 7.14 | 1Y Target Price 8 |
Dividends yield (FY) 2.07% | Basic EPS (TTM) 1.15 |
Volume (30-day avg) 1280534 | Beta 1.72 |
52 Weeks Range 1.72 - 8.74 | Updated Date 09/18/2024 |
Company Size Small-Cap Stock | Market Capitalization 932.01M USD | Price to earnings Ratio 7.14 | 1Y Target Price 8 |
Dividends yield (FY) 2.07% | Basic EPS (TTM) 1.15 | Volume (30-day avg) 1280534 | Beta 1.72 |
52 Weeks Range 1.72 - 8.74 | Updated Date 09/18/2024 |
Earnings Date
Report Date - | When - |
Estimate - | Actual - |
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.43% | Operating Margin (TTM) 17.73% |
Management Effectiveness
Return on Assets (TTM) 4.49% | Return on Equity (TTM) 24.65% |
Valuation
Trailing PE 7.14 | Forward PE - |
Enterprise Value -237509672960 | Price to Sales(TTM) - |
Enterprise Value to Revenue 1.18 | Enterprise Value to EBITDA - |
Shares Outstanding 75178600 | Shares Floating 256917552 |
Percent Insiders 26.35 | Percent Institutions 14.44 |
Trailing PE 7.14 | Forward PE - | Enterprise Value -237509672960 | Price to Sales(TTM) - |
Enterprise Value to Revenue 1.18 | Enterprise Value to EBITDA - | Shares Outstanding 75178600 | Shares Floating 256917552 |
Percent Insiders 26.35 | Percent Institutions 14.44 |
Analyst Ratings
Rating 2 | Target Price 2.2 | Buy - |
Strong Buy - | Hold 1 | Sell 1 |
Strong Sell 1 |
Rating 2 | Target Price 2.2 | Buy - | Strong Buy - |
Hold 1 | Sell 1 | Strong Sell 1 |
AI Summarization
Grupo Supervielle SA: A Comprehensive Overview
Company Profile
Detailed History and Background:
Grupo Supervielle SA (SUPV) is a leading financial services group in Argentina, established in 1887. Originally a cooperative credit union, it transformed into a commercial bank in 1975 and subsequently became a public company in 1997. Today, SUPV offers a diverse range of financial services, including:
- Retail banking: personal loans, credit cards, mortgages, and checking/savings accounts
- Corporate banking: loans, guarantees, and treasury services
- Wealth management: investment products, brokerage services, and private banking
- Insurance: life, property, and casualty insurance
Core Business Areas:
SUPV's core business areas are retail banking, corporate banking, wealth management, and insurance. Retail banking forms the largest segment, contributing significantly to the company's revenue.
Leadership Team and Corporate Structure:
The company's leadership team comprises:
- Ana Paula Di Matteo: President
- Alejandro Maccioni: CFO
- Fernando Iraola: COO
- Ezequiel Carballo: Chief Risk Officer
- Mariano Flores Vidal: Human Resources Director
SUPV operates through a holding company structure with three main subsidiaries:
- Banco Supervielle: provides retail and corporate banking services
- Supervielle Seguros: offers insurance products
- Supervielle Asset Management: manages investment portfolios
Top Products and Market Share
Top Products and Offerings:
- Personal loans: SUPV offers various personal loan options with competitive interest rates and flexible repayment terms.
- Credit cards: SUPV offers a range of credit cards with rewards programs, travel benefits, and insurance coverage.
- Mortgage loans: SUPV provides mortgage loans for both primary and secondary residences with diverse loan terms and interest rates.
- Investment products: SUPV offers a comprehensive range of investment products, including mutual funds, bonds, and structured products.
- Life insurance: SUPV offers various life insurance plans to meet different needs and budgets.
Market Share:
SUPV holds a significant market share in the Argentine financial services industry. As of 2022, it ranks among the top 10 private banks in Argentina, with a market share of around 4% in terms of total assets.
Product Performance and Market Reception:
SUPV's products have generally received positive market reception, particularly its personal loans and credit cards, which are known for their competitive rates and flexible features. However, the company faces stiff competition from larger domestic and international players in the insurance and wealth management segments.
Total Addressable Market
The total addressable market for SUPV encompasses the Argentine financial services industry, which is estimated to be worth over $200 billion. This market includes individuals, businesses, and institutional investors seeking financial products and services.
Financial Performance
Recent Financial Statements:
SUPV's recent financial statements reveal consistent revenue growth over the past few years. Profit margins have remained stable, and earnings per share have shown a slight uptrend. However, the company's cash flow has been volatile, and its balance sheet health requires further analysis.
Year-over-Year Comparison:
Compared to the previous year, SUPV has demonstrated modest revenue growth and stable profit margins. However, its cash flow and balance sheet health require closer examination to assess the company's overall financial stability.
Cash Flow Statements and Balance Sheet Health:
SUPV's cash flow statements reveal fluctuations in its operating cash flow, indicating potential challenges in managing working capital effectively. Its balance sheet shows a moderate debt-to-equity ratio, suggesting a sustainable capital structure. However, a more in-depth analysis is necessary to evaluate the company's long-term financial health.
Dividends and Shareholder Returns
Dividend History:
SUPV has a history of paying dividends, with a recent dividend yield of approximately 2%. The payout ratio is currently within a sustainable range.
Shareholder Returns:
Over the past year, SUPV's share price has performed relatively well, generating positive returns for investors. However, longer-term shareholder returns require further analysis.
Growth Trajectory
Historical Growth Analysis:
SUPV has experienced consistent revenue growth over the past 5-10 years, primarily driven by its expansion in retail banking and wealth management segments.
Future Growth Projections:
Future growth projections for SUPV are moderately optimistic. The company is expected to benefit from Argentina's economic recovery and the growing demand for financial services. However, uncertainties surrounding the political and economic landscape pose potential challenges.
Recent Product Launches and Strategic Initiatives:
SUPV has recently launched new digital banking services and mobile applications, indicating its commitment to innovation and technological advancements. These initiatives aim to enhance customer experience and drive further growth.
Market Dynamics
Industry Trends:
The Argentine financial services industry is undergoing significant changes, driven by technological advancements, regulatory reforms, and increased competition. SUPV needs to adapt to these trends to maintain its market position.
Demand-Supply Scenarios:
The demand for financial services in Argentina is expected to grow steadily in the coming years, driven by rising disposable incomes and increased financial literacy. However, competition from domestic and international players is likely to intensify, putting pressure on margins.
Technological Advancements:
The adoption of new technologies, such as artificial intelligence and mobile banking, is transforming the financial services industry. SUPV needs to invest in these technologies to remain competitive and improve customer experience.
Competitors
Key Competitors:
- Banco de la Nacion Argentina (BNA)
- Banco Galicia (GGAL)
- BBVA Argentina (BBVA)
- Santander Rio (SAN)
- HSBC Bank Argentina (HSBC)
Market Share Percentages:
BNA and Banco Galicia are the largest players in the Argentine banking industry, holding market shares of approximately 15% and 12%, respectively. SUPV's market share is significantly smaller, at around 4%.
Competitive Advantages and Disadvantages:
SUPV's competitive advantages include its strong brand recognition, extensive branch network, and diverse product portfolio. However, its smaller size and limited international presence put it at a disadvantage compared to larger competitors.
Potential Challenges and Opportunities
Key Challenges:
SUPV faces several potential challenges, including:
- Economic and political uncertainties in Argentina
- Intense competition from domestic and international players
- Managing interest rate risk and credit risk
- Adapting to technological advancements
Potential Opportunities:
SUPV can pursue various opportunities, such as:
- Expanding into new market segments, such as microfinance and digital banking
- Growing its wealth management and insurance businesses
- Leveraging technology to improve efficiency and customer experience
- Partnering with other financial institutions to expand its reach
Recent Acquisitions
SUPV has not made any significant acquisitions in the past three years.
AI-Based Fundamental Rating
AI Rating:
Based on an AI analysis of various factors, including financial health, market position, and future prospects, SUPV receives an AI-based fundamental rating of 7 out of 10. This rating indicates a promising company with solid fundamentals and potential for future growth, but also faces challenges from intense competition and a complex economic environment.
Justification:
The AI rating is based on a comprehensive analysis of the following factors:
- Financial health: SUPV has a solid financial foundation with consistent revenue growth, stable profit margins, and moderate debt levels.
- Market position: SUPV holds a respectable market share in the Argentine financial services industry but faces stiff competition from larger players.
- Future prospects: SUPV's growth prospects are promising, driven by the potential for Argentina's economic recovery and increasing demand for financial services. However, uncertainties about the political and economic landscape pose challenges.
Sources and Disclaimers
Sources:
- Grupo Supervielle SA investor relations website
- Bloomberg Terminal
- S&P Global Market Intelligence
- Statista
- Argentina Central Bank
Disclaimers:
- The information provided in this overview is based on publicly available data and should not be considered financial advice.
- Investors should conduct their own due diligence before making any investment decisions.
- The AI-based fundamental rating is a helpful tool but should not be the sole basis for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Grupo Supervielle SA
Exchange | NYSE | Headquaters | - |
IPO Launch date | 2016-05-19 | Founder, Chairman of the Board & CEO | Mr. Julio Patricio Supervielle |
Sector | Financial Services | Website | https://www.gruposupervielle.com |
Industry | Banks - Regional | Full time employees | 3602 |
Headquaters | - | ||
Founder, Chairman of the Board & CEO | Mr. Julio Patricio Supervielle | ||
Website | https://www.gruposupervielle.com | ||
Website | https://www.gruposupervielle.com | ||
Full time employees | 3602 |
Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal & Business Banking, Corporate Banking, Bank Treasury, Insurance, and Asset Management and Other Services segments. It offers savings accounts, time and demand deposits, and checking accounts; various loan products, including personal, consumer, mortgage, unsecured, and car loans; overdrafts; loans with special facilities for project and working capital financing; and leasing, bank guarantees for tenants, salary advances, domestic and international factoring, international guarantees and letters of credit, payroll payment plans, credit and debit cards, and senior citizens benefit payment services, as well as financial services and investments, such as mutual funds and guarantees. The company also provides foreign trade and cash management; advisory services; treasury services; insurance products comprising life, home, personal accidents, technology, ATMs, protected bag, protected content, and integral insurance product for entrepreneurs and SME customers and other insurance policies; and asset management and other services, as well as operates as a digital online broker. It operates through a network of bank branches, ATMs, and self-service terminals, as well as cash dispensers with biometric identification systems. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is based in Buenos Aires, Argentina.
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