Latest Ratios: P/E Ratio -21.1x · EV/EBITDA N/A · ROE -6.3%. (2013–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $810M | $1.0B | $1.3B | $359M | $196M | $178M | $194M | $336M | $793M | $2.3B | $847M |
| Enterprise Value | $440M | $-548127135200 | $-569486823392 | $-544630492676 | $-151350009632 | $-77775611420 | $-46905579872 | $-22901855608 | $-34589639608 | $-420929152 | $-6552809441 |
| P/E Ratio → | -21.06 | — | 0.01 | 0.01 | — | — | 0.04 | — | — | 0.95 | 0.64 |
| P/S Ratio | 0.52 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.04 | 0.06 |
| P/B Ratio | 1.19 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.03 | 0.11 | 0.07 |
| P/FCF | — | — | 0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.02 | — | — |
| P/OCF | — | — | 0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.01 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.24 | -0.28 | -0.18 | -0.08 | -0.10 | -0.19 | -0.15 | -0.36 | -0.01 | -0.47 |
| EV / EBITDA | — | — | -2.92 | -2.11 | -15.07 | -4.63 | -2.42 | — | — | -0.26 | -3.21 |
| EV / EBIT | — | — | -3.99 | -2.89 | — | — | -3.82 | — | — | -0.66 | -3.57 |
| EV / FCF | — | — | -1.23 | -4.09 | -0.28 | -0.28 | — | -0.17 | -0.70 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 39.5% | 39.5% | 56.7% | 40.8% | 43.8% | 48.1% | 55.6% | 44.1% | 50.9% | 64.0% | 63.0% |
| Operating Margin | -4.8% | -4.8% | 7.0% | 6.2% | -3.0% | -1.1% | 5.1% | -2.6% | -4.5% | 1.2% | 13.1% |
| Net Profit Margin | -2.4% | -2.4% | 5.1% | 3.7% | -1.7% | -1.3% | 4.2% | -2.9% | -6.7% | -2.3% | 9.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -6.3% | -6.3% | 13.5% | 21.8% | -17.6% | -13.6% | 24.0% | -15.2% | -27.3% | -7.2% | 18.1% |
| ROA | -0.9% | -0.9% | 2.3% | 3.4% | -2.3% | -1.9% | 3.6% | -2.1% | -3.6% | -1.0% | 2.0% |
| ROIC | -5.7% | -5.7% | 13.0% | 27.0% | -22.0% | -7.8% | 17.0% | -7.0% | -8.4% | 1.8% | 11.6% |
| ROCE | -2.6% | -2.6% | 13.4% | 27.2% | -20.8% | -6.8% | 15.2% | -5.9% | -7.6% | 1.7% | 5.9% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.04 | 1.04 | 0.11 | 0.01 | 0.02 | 0.05 | 0.18 | 0.40 | 0.63 | 0.67 | 0.61 |
| Debt / EBITDA | — | — | 0.47 | 0.03 | 0.66 | 0.28 | 0.51 | — | — | 8.57 | 3.62 |
| Net Debt / Equity | — | -0.54 | -0.71 | -0.73 | -0.53 | -0.78 | -0.87 | -0.73 | -1.36 | -0.13 | -0.61 |
| Net Debt / EBITDA | — | — | -2.93 | -2.12 | -15.09 | -4.64 | -2.43 | — | — | -1.71 | -3.62 |
| Debt / FCF | — | — | -1.24 | -4.09 | -0.28 | -0.28 | — | -0.17 | -0.72 | — | — |
| Interest Coverage | -0.10 | -0.10 | 0.16 | 0.10 | -0.05 | -0.02 | 0.15 | -0.06 | -0.12 | 0.05 | 0.44 |
Net cash position: cash ($1.60T) exceeds total debt ($1.05T)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 4.06 | 4.06 | 0.32 | 0.23 | 0.18 | 0.31 | 0.34 | 0.43 | 0.49 | 0.42 | 0.45 |
| Quick Ratio | 4.06 | 4.06 | 0.32 | 0.23 | 0.18 | 0.31 | 0.34 | 0.43 | 0.49 | 0.42 | 0.45 |
| Cash Ratio | 4.06 | 4.06 | 0.20 | 0.16 | 0.09 | 0.14 | 0.20 | 0.28 | 0.34 | 0.19 | 0.21 |
| Asset Turnover | — | 0.30 | 0.45 | 0.67 | 0.91 | 1.04 | 0.64 | 0.77 | 0.44 | 0.38 | 0.14 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.2% | 100.0% | 100.0% | — | 100.0% | 100.0% | 100.0% | 100.0% | 86.7% | 7.4% | 3.0% |
| Payout Ratio | — | — | 26.8% | — | — | — | 7.8% | — | — | — | 1.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 9421.6% | 14358.4% | — | — | 2728.8% | — | — | 105.7% | 156.0% |
| FCF Yield | — | — | 34732.0% | 37051.7% | 274809.8% | 153750.6% | — | 40518.8% | 6236.0% | — | — |
| Buyback Yield | 0.0% | 0.0% | 100.0% | 100.0% | 100.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 3.2% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 86.7% | 7.4% | 3.0% |
| Shares Outstanding | — | $88M | $88M | $89M | $91M | $91M | $91M | $91M | $91M | $79M | $64M |
Hyperinflationary margin and credit risk
According to recent market data, SUPV trades at a P/B of 1.23, which appears to reflect a significant discount relative to larger peers like GGAL and BMA, suggesting that investors are pricing in the bank's heightened sensitivity to the volatile Argentine consumer credit cycle and macroeconomic instability.
The current valuation multiple suggests the market views the bank as a commodity balance sheet rather than a premium franchise, likely due to the persistent negative ROE and the erosion of tangible book value. Investors should monitor whether this discount is a permanent reflection of scale disadvantages or a temporary mispricing of its niche pensioner-focused business model.
Based on the latest quarterly figures, the bank's ROE has deteriorated to -3.3%, a trend that appears to be driven by the collapse of the net interest margin from 13.0% in 2024Q1 to a recent 2.5% as inflationary pressures overwhelm the bank's core revenue generation.
The DuPont decomposition indicates that profitability is currently strained by both narrowing interest spreads and the high fixed-cost burden of a physical branch network. The inability to maintain positive returns on equity suggests that the bank's current operating model is struggling to generate real economic value in the prevailing hyperinflationary environment.
As reported in financial statements, the efficiency ratio has fluctuated significantly, reaching 47.7% in 2026Q1, which highlights the difficulty of managing a large physical footprint while net interest income remains under pressure from rising funding costs and mandatory reserve requirements set by the Central Bank.
The volatility in the efficiency ratio suggests that cost control measures are being outpaced by the inflationary indexing of labor and administrative expenses. This indicates that the bank may lack the necessary operating leverage to improve margins without a more aggressive shift toward digital-only service delivery.
Based on reported figures, the equity-to-assets ratio has remained stagnant at 0.13 as of 2026Q1, indicating that the bank's capacity for capital return is severely limited by the ongoing erosion of internal capital generation and the need to maintain regulatory compliance amidst economic contraction.
The lack of organic capital growth, combined with negative profitability, suggests that the bank's capital adequacy is increasingly vulnerable to further credit shocks. Investors should monitor the bank's ability to maintain these ratios without further dilutive actions or a significant improvement in the underlying macroeconomic environment.
The P/E ratio is the most commonly misapplied metric for SUPV, as it obscures the extreme volatility caused by hyperinflationary accounting adjustments and the bank's heavy reliance on sovereign debt interest, which often leads to distorted earnings figures that do not reflect true commercial performance.
Investors should instead focus on P/TBV and ROE trends to assess the bank's fundamental health, as these metrics are less sensitive to the accounting noise inherent in IAS 29 reporting. Relying on P/E in this context may lead to erroneous conclusions regarding the bank's profitability and long-term earnings power.
Includes 30+ ratios · 13 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying SUPV stock.
Grupo Supervielle S.A.'s current P/E ratio is -21.1x. The historical average is 0.3x.
Grupo Supervielle S.A.'s return on equity (ROE) is -6.3%. The historical average is 5.5%.
Based on historical data, Grupo Supervielle S.A. is trading at a P/E of -21.1x. Compare with industry peers and growth rates for a complete picture.
Grupo Supervielle S.A.'s current dividend yield is 3.18%.
Grupo Supervielle S.A. has 39.5% gross margin and -4.8% operating margin.