| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial intelligence (AI) | n/a | -100 |
| Intrinsic value (DCF) | 196243.94 | 1607139 |
| Graham-Dodd Method | 7.60 | -38 |
| Graham Formula | 350.10 | 2767 |
Grupo Supervielle S.A. (NYSE: SUPV) is a leading financial services holding company based in Argentina, offering a comprehensive suite of banking and financial products. Established in 1887 and headquartered in Buenos Aires, the company operates through segments including Personal and Business Banking, Corporate Banking, Treasury and Finance, and Capital Markets. Supervielle provides retail banking services such as savings and checking accounts, loans (personal, mortgage, and auto), credit cards, and insurance products. It also delivers corporate banking solutions, including foreign trade financing, cash management, and advisory services. With a network of 298 access points, 450 ATMs, and a strong digital presence, Supervielle serves a broad customer base across Argentina. The company’s diversified revenue streams and focus on digital transformation position it as a key player in Argentina’s evolving financial sector, despite macroeconomic volatility.
Grupo Supervielle presents a high-risk, high-reward investment opportunity due to its exposure to Argentina’s volatile economy and inflationary pressures. The company has demonstrated resilience with strong revenue growth (ARS 890.3B in latest reporting) and net income (ARS 125.2B), supported by diversified financial services and digital banking initiatives. However, risks include currency instability, regulatory changes, and competition in Argentina’s crowded banking sector. The stock’s beta of 1.036 indicates moderate sensitivity to market movements. Investors should weigh Supervielle’s solid fundamentals against macroeconomic uncertainties before considering exposure.
Grupo Supervielle competes in Argentina’s fragmented banking sector by leveraging its mid-sized scale, digital capabilities, and diversified product offerings. Its competitive advantage lies in its extensive branch network (298 access points) and focus on retail and SME banking, which provides stable deposit funding. The company has invested in digital transformation, including biometric ATMs and online brokerage services, to enhance customer retention. However, it faces stiff competition from larger state-owned banks (e.g., Banco Nación) with superior funding access and private rivals like Banco Galicia (GGAL) with stronger brand recognition. Supervielle’s niche in foreign trade services and leasing products differentiates it, but its smaller balance sheet limits its ability to compete with giants in corporate lending. The company’s profitability metrics are competitive, but inflation-adjusted margins remain pressured compared to regional peers in more stable economies.