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Market Price

1.89 

0.02 1.1%

as of Oct 04 '22

52 Week Range:

1.17 2.14


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal and Business Banking, Corporate Banking, Treasury and Finance, Capital Markets and Structuring, and Support Areas 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 cards, 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 personal accidents, protected bag, unemployment, total protection, and pets insurance policies; and asset management and other services, as well as operates as an online broker. As of December 31, 2021, it operates through a network of 298 access points, including 184 bank branches, 10 banking sales and collection centers, 79 points of sales, 20 Tarjeta Automática branches, and 5 Mila branches, as well as 450 ATMs, 230 self-service terminals, and 298 ATMs with biometric identification. 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 headquartered in Buenos Aires, Argentina.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 5.21
6.84
4.05
3.29
3.38
4.59
growth rate 31.3% -40.8% -18.8% 2.7% 35.8%
Earnings BIT 173.45
164.86
244.58
360.18
growth rate -5.0% 48.4% 47.3%
Avg.PE 150.00
15.08
5.77
5.77
5.77
5.77
growth rate -90.0% -61.7% 0.0% 0.0% 0.0%
ROA 2.14
1.79
2.40
3.04
3.31
-2.57
-1.48
1.76
-0.54
growth rate -16.4% 34.1% 26.7% 8.9% -100.0% 0.0% 100.0% -100.0%
ROE 27.58
23.73
33.04
28.18
22.08
-18.87
-10.66
11.85
-3.98
growth rate -14.0% 39.2% -14.7% -21.7% -100.0% 0.0% 100.0% -100.0%
Leverage 12.88
13.62
13.92
7.68
6.20
8.36
6.35
6.99
7.58
growth rate 5.8% 2.2% -44.8% -19.3% 34.8% -24.0% 10.1% 8.4%
Balance Sheet Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 1,373.79
1,687.69
1,892.72
1,373.18
1,055.37
2,690.97
987.74
1,355.81
1,627.18
growth rate 22.9% 12.2% -27.5% -23.1% 155.0% -63.3% 37.3% 20.0%
Acct.Payable 12,725.59
16,750.18
23,496.01
35,726.94
83,284.98
198,760.09
121,176.26
269,644.54
288,458.10
growth rate 31.6% 40.3% 52.1% 133.1% 138.7% -39.0% 122.5% 7.0%
Cur.Assets 5,099.64
6,612.39
10,681.25
13,419.86
42,562.12
105,693.88
40,438.18
110,445.02
109,691.11
growth rate 29.7% 61.5% 25.6% 217.2% 148.3% -61.7% 173.1% -0.7%
Total Assets 17,418.13
23,241.19
33,045.82
53,206.04
135,230.15
300,732.11
202,420.22
376,193.26
390,403.04
growth rate 33.4% 42.2% 61.0% 154.2% 122.4% -32.7% 85.9% 3.8%
Cash 1,152.91
1,788.94
2,803.22
3,951.60
21,224.40
39,649.42
15,035.73
28,557.84
24,843.37
growth rate 55.2% 56.7% 41.0% 437.1% 86.8% -62.1% 89.9% -13.0%
Inventory 0.34
0.34
0.34
0.33
156.31
146.43
60.52
107.11
136.78
growth rate 0.0% -1.8% -1.8% 47,122.4% -6.3% -58.7% 77.0% 27.7%
Cur.Liabilities 14,764.24
19,330.40
27,389.52
42,932.42
98,217.34
236,643.87
160,153.39
312,919.38
329,832.88
growth rate 30.9% 41.7% 56.8% 128.8% 140.9% -32.3% 95.4% 5.4%
Liabilities 16,023.76
21,479.46
30,601.28
46,171.09
114,938.38
263,261.50
170,515.13
322,338.05
338,852.63
growth rate 34.1% 42.5% 50.9% 148.9% 129.1% -35.2% 89.0% 5.1%
LT Debt 638.65
1,098.20
1,908.05
1,477.43
12,702.16
19,656.01
4,000.10
2,114.32
1,116.82
growth rate 72.0% 73.7% -22.6% 759.8% 54.8% -79.7% -47.1% -47.2%
Equity 1,352.41
1,706.99
2,373.71
6,931.55
20,069.47
37,440.92
31,878.40
53,812.41
51,509.51
growth rate 26.2% 39.1% 192.0% 189.5% 86.6% -14.9% 68.8% -4.3%
Common Shares 19.00
19.00
19.00
19.00
64.00
79.00
456.72
456.72
456.72
456.72
growth rate 0.0% 0.0% 0.0% 236.8% 23.4% 478.1% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 42.80
51.85
494.25
494.25
1,506.58
5,978.68
2,288.93
7,130.59
5,023.01
growth rate 21.1% 853.3% 0.0% 204.8% 296.8% -61.7% 211.5% -29.6%
Cash Dividends 8.67
8.34
7.39
25.50
170.38
687.69
957.83
800.09
514.71
growth rate -3.8% -11.5% 245.3% 568.1% 303.6% 39.3% -16.5% -35.7%
Cash From OA 372.85
1,761.29
2,449.84
-294.35
-41,506.39
55,421.96
138,491.88
-9,806.11
50,170.15
growth rate 372.4% 39.1% -100.0% 0.0% 100.0% 149.9% -100.0% 100.0%
FCF per Share 0.08
0.13
5.10
-1.98
0.72
-0.33
growth rate 62.5% 3,823.1% -100.0% 100.0% -100.0%
Sale Purchase of Stock 3,301.14
3,301.14
3,301.14
3,301.14
5,841.69
growth rate 0.0% 0.0% 0.0% 77.0%
FCF 1,115.00
330.00
1,709.00
2,450.00
-789.00
2,969.00
2,722.00
-3,521.00
17,767.00
3,461.00
growth rate -70.4% 417.9% 43.4% -100.0% 100.0% -8.3% -100.0% 100.0% -80.5%
Income Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 2,957.36
3,905.38
5,619.11
8,163.35
29,025.51
35,765.45
57,385.66
62,866.76
55,563.64
growth rate 32.1% 43.9% 45.3% 255.6% 23.2% 60.5% 9.6% -11.6%
Op.Income 573.64
711.87
1,221.11
2,048.75
668.69
-4,283.82
-4,078.88
6,298.01
-1,456.14
growth rate 24.1% 71.5% 67.8% -67.4% -100.0% 0.0% 100.0% -100.0%
IBT 481.31
575.71
937.35
1,834.07
641.04
-4,284.40
-4,078.88
6,298.01
-1,456.45
growth rate 19.6% 62.8% 95.7% -65.1% -100.0% 0.0% 100.0% -100.0%
Net Income 372.99
362.92
674.11
1,311.30
-1,160.47
-6,341.50
-4,421.38
5,282.78
-1,734.54
growth rate -2.7% 85.8% 94.5% -100.0% 0.0% 0.0% 100.0% -100.0%
EPS 16.92
19.34
18.82
34.96
20.50
-14.75
-69.40
-48.40
57.85
-19.00
growth rate 14.3% -2.7% 85.8% -41.4% -100.0% 0.0% 0.0% 100.0% -100.0%
Gross Profit 2,957.36
3,905.38
5,619.11
8,163.35
29,025.51
35,765.45
57,385.66
62,866.76
55,563.64
growth rate 32.1% 43.9% 45.3% 255.6% 23.2% 60.5% 9.6% -11.6%

Quarterly Statements

Item Name Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Earnings BIT
growth rate
Balance Sheet Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Acct.Receivable 1,185.33
980.35
1,742.89
1,627.18
1,363.80
growth rate -17.3% 77.8% -6.6% -16.2%
Acct.Payable 214,684.29
243,203.85
279,767.29
288,458.10
341,298.32
growth rate 13.3% 15.0% 3.1% 18.3%
Cur.Assets 86,471.83
88,518.80
99,092.83
109,691.11
71,368.59
growth rate 2.4% 12.0% 10.7% -34.9%
Total Assets 293,267.96
321,031.37
368,678.96
390,403.04
446,239.29
growth rate 9.5% 14.8% 5.9% 14.3%
Cash 22,233.78
17,884.70
13,977.23
24,843.37
27,244.35
growth rate -19.6% -21.9% 77.7% 9.7%
Inventory 95.57
100.45
129.91
136.78
143.50
growth rate 5.1% 29.3% 5.3% 4.9%
Cur.Liabilities 235,570.08
261,951.70
302,212.86
329,832.88
368,871.95
growth rate 11.2% 15.4% 9.1% 11.8%
Liabilities 252,503.99
276,344.15
319,749.99
338,852.63
384,744.76
growth rate 9.4% 15.7% 6.0% 13.5%
LT Debt 7,308.59
6,002.64
8,880.13
1,116.82
4,367.70
growth rate -17.9% 47.9% -87.4% 291.1%
Equity 40,731.52
44,651.30
48,889.74
51,509.51
61,445.40
growth rate 9.6% 9.5% 5.4% 19.3%
Common Shares 456.72
456.72
456.72
456.72
456.72
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Capital Expenditures 268.50
838.94
1,188.83
2,726.74
607.35
growth rate 212.5% 41.7% 129.4% -77.7%
Cash Dividends 427.36
427.36
39.67
47.68
growth rate 0.0% -90.7% 20.2%
Cash From OA -2,037.22
1,777.86
1,311.90
49,117.61
8,301.47
growth rate 100.0% -26.2% 3,644.0% -83.1%
Sale Purchase of Stock
growth rate
FCF -2,305.72
938.92
123.07
46,390.88
7,694.12
growth rate 100.0% -86.9% 37,595.3% -83.4%
Income Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Sales 11,659.87
13,560.77
12,977.68
17,365.33
16,124.47
growth rate 16.3% -4.3% 33.8% -7.2%
Op.Income 81.52
-409.37
328.12
-1,456.41
-557.78
growth rate -100.0% 100.0% -100.0% 0.0%
IBT 176.77
-427.94
314.44
-1,519.72
-435.59
growth rate -100.0% 100.0% -100.0% 0.0%
Net Income 210.02
-328.02
-60.18
-1,556.36
-377.57
growth rate -100.0% 0.0% 0.0% 0.0%
Gross Profit 11,659.87
13,560.77
12,977.68
17,365.33
16,124.47
growth rate 16.3% -4.3% 33.8% -7.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (29.68)

YOY Growth Grade:

E (26.69)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 5.21 5.56 5.21
EPS / Growth -17.5% 0.34 -23.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 37.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 13.1% 13.1%
Future PE 2.00 5.21 12.17
Future EPS 0.38 1.16 1.16
Value Price
MOS %
0.19
-90.2%
1.49
-21.0%
3.49
84.6%
MOS Price 0.09 0.75 1.74
IRT 5.38 4.04 4.04

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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