Grupo Supervielle

SUPV

Market cap $562M

Supervielle Group is a top Argentine financial holding, with asset management and treasury segments as key income drivers, while banking segments show gradual improvement. Argentina's banking sector has low credit penetration, offering significant growth potential if macroeconomic conditions stabilize. Chronic inflation, driven by populist policies, has historically limited bank lending and credit expansion in Argentina. Now, the inflation rate is getting under control with the new government.

Supervielle delivered strong loan growth (+71% YoY real) and a rebound in net interest margin to 20.8%, showing operational progress despite high rates. Net income improved to AR$13.6B with ROAE back to 5.8%, but profitability remains well below peers like Galicia and BBVA. Provisions surged 173% YoY and efficiency weakened to 60.9%, highlighting the cost of focusing on consumer credit and digital expansion.

Grupo Supervielle S.A. (NYSE:SUPV ) Q2 2025 Earnings Conference Call August 14, 2025 9:00 AM ET Company Participants Ana Ines Bartesaghi Bender - Chief Investor Relations Officer Julio Patricio Supervielle - Founder, Chairman of the Board & CEO Mariano Biglia - Chief Financial Officer Conference Call Participants Brian Flores - Citigroup Inc., Research Division Carlos Gomez-Lopez - HSBC Global Investment Research Ernesto María Gabilondo Márquez - BofA Securities, Research Division Fernando Zabaleta - Unidentified Company Pedro Offenhenden - Unidentified Company Ana Ines Bartesaghi Bender Good morning, everyone, and welcome to Grupo Supervielle's Second Quarter Earnings Call.

BUENOS AIRES, Argentina--(BUSINESS WIRE)--Grupo Supervielle S.A. (NYSE: SUPV; BYMA: SUPV), (“Supervielle” or the “Company”) a universal financial services group headquartered in Argentina with a nationwide presence, today reported results for the three- and six-month period ended June 30, 2025. Starting 1Q20, the Company began reporting results applying Hyperinflation Accounting, in accordance with IFRS rule IAS 29 (“IAS 29”) as established by the Central Bank. Management Commentary Commenting.

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

After a historic rally, Argentine bank stocks face a correction driven by political noise and market rotation, not by a deterioration in fundamentals or financial performance. Valuation remains highly attractive across the sector, with low P/E and P/B ratios, strong ROE, and continued growth in earnings and operating cash flow projections for all four major banks.

Investors with an interest in Banks - Foreign stocks have likely encountered both Grupo Supervielle (SUPV) and United Overseas Bank Ltd. (UOVEY). But which of these two companies is the best option for those looking for undervalued stocks?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Investors interested in stocks from the Banks - Foreign sector have probably already heard of Grupo Supervielle (SUPV) and United Overseas Bank Ltd. (UOVEY). But which of these two stocks presents investors with the better value opportunity right now?

Supervielle is transforming with over 50% of its portfolio in consumer loans and 600,000+ active digital users, blending tradition with fintech innovation in Argentina's evolving financial landscape. Q1 2025 showed 15% growth in financial margin from clients and 32% increase in commissions, signaling healthier, diversified revenue beyond volatile debt markets. Trading at low multiples (P/S 1.06x, P/CF 2.06x), Supervielle offers an attractive valuation with a projected 90% EPS growth by 2025, highlighting significant upside potential.