Grupo Supervielle S.A. (SUPV) Key Metrics
SUPV key metrics, 2016–2025
Fiscal year ended December 31, 2025 · Argentine pesosSUPV returns How much profit the business earns on the capital it uses.
SUPV financial health Debt, liquidity and how easily interest is covered.
SUPV efficiency & capital use Working capital cycle and where the cash goes.
SUPV returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SUPV debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SUPV cash returned to shareholders
SUPV key metrics in Argentine pesos
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Returns & profitability | ||||||||||
| Return on equity (ROE) | −6.3% | 13.6% | 21.8% | −17.6% | −13.7% | 24.0% | −15.2% | −27.5% | −8.6% | 27.7% |
| Return on invested capital (ROIC) | −26.0% | 49.3% | 67.5% | −58.4% | −48.0% | 40.6% | −18.6% | — | 2.7% | 28.5% |
| Return on assets (ROA) | −0.9% | 2.3% | 3.4% | −2.3% | −1.9% | 3.6% | −2.1% | −3.6% | −1.2% | 3.0% |
| Return on tangible assets | −0.7% | 2.4% | 2.6% | −1.6% | −1.4% | 2.8% | −2.3% | −3.0% | −0.9% | 2.5% |
| Free cash flow margin | −48.6% | 22.6% | 4.4% | −0.3% | 0.5% | 2.2% | −12.3% | 52.0% | −56.9% | −5.6% |
| Income quality (OCF / net income) | — | 4.97 | 1.41 | — | — | 0.98 | — | — | — | −0.22 |
| Financial health | ||||||||||
| Total debt | ARS 1.05T | ARS 91.25B | ARS 8.27B | ARS 6.63B | ARS 4.71B | ARS 9.89B | ARS 27.11B | ARS 16.45B | ARS 13.69B | ARS 3.09B |
| Cash & short-term investments | ARS 1.60T | ARS 662.73B | ARS 553.95B | ARS 158.18B | ARS 82.66B | ARS 56.98B | ARS 15.04B | ARS 51.84B | ARS 16.43B | ARS 3.95B |
| Net debt | −ARS 549.16B | −ARS 571.47B | −ARS 545.68B | −ARS 151.55B | −ARS 77.95B | −ARS 47.10B | ARS 12.07B | −ARS 35.39B | −ARS 2.74B | −ARS 857.2M |
| Debt / equity | 1.04 | 0.11 | 0.01 | 0.02 | 0.05 | 0.18 | 0.85 | 0.63 | 0.68 | 0.44 |
| Debt / assets | 0.13 | 0.02 | 0.00 | 0.00 | 0.01 | 0.03 | 0.13 | 0.08 | 0.10 | 0.06 |
| Net debt / EBITDA | — | −2.93 | −1.95 | −15.09 | −4.64 | −2.43 | — | — | −1.71 | −0.42 |
| Current ratio | 4.06 | 0.32 | 0.23 | 0.18 | 0.31 | 0.34 | 2.03 | 0.49 | 0.42 | 4.61 |
| Quick ratio | 4.06 | 0.32 | 0.53 | 0.26 | 0.65 | 0.79 | 9.01 | 0.49 | 0.42 | 4.61 |
| Interest coverage | -0.1 | 0.2 | 0.1 | -0.1 | -0.0 | 0.1 | -0.1 | -0.1 | 0.1 | 0.4 |
| Working capital | ARS 1.21T | −ARS 2.29T | −ARS 2.70T | −ARS 1.45T | −ARS 410.12B | −ARS 189.91B | ARS 7.63B | −ARS 78.28B | −ARS 50.49B | ARS 3.10B |
| Invested capital | ARS 457.72B | ARS 226.26B | ARS 197.72B | ARS 135.77B | ARS 22.38B | ARS 6.71B | ARS 43.98B | −ARS 9.31B | ARS 17.33B | ARS 6.18B |
| Tangible asset value | ARS 776.35B | ARS 632.79B | ARS 596.71B | ARS 218.17B | ARS 78.17B | ARS 43.62B | ARS 25.99B | ARS 21.93B | ARS 19.83B | ARS 6.86B |
| Net current asset value | −ARS 5.18T | −ARS 2.64T | −ARS 2.95T | −ARS 1.56T | −ARS 478.99B | −ARS 225.75B | −ARS 155.48B | −ARS 118.00B | −ARS 77.74B | −ARS 42.22B |
| Capital allocation | ||||||||||
| Dividends paid | ARS 38.31B | ARS 27.96B | ARS 0 | ARS 491.9M | ARS 514.7M | ARS 530.1M | ARS 303.0M | ARS 687.7M | ARS 170.4M | ARS 25.5M |
| Share buybacks (net) | ARS 0 | ARS 9.92B | ARS 858.8M | ARS 1.38B | ARS 0 | ARS 0 | ARS 0 | ARS 0 | ARS 0 | ARS 1.32B |
| Dividend payout ratio | — | 26.8% | 0.0% | — | — | 5.2% | — | — | — | 1.9% |
| Dividends + buybacks / free cash flow | — | 8.2% | 0.6% | — | 13.5% | 9.9% | — | 1.4% | — | — |
| Capex / revenue | 3.6% | 2.8% | 1.7% | 0.4% | 0.7% | 1.9% | 0.6% | 6.3% | 2.9% | 3.5% |
| Capex / operating cash flow | — | 11.1% | 31.6% | 504.2% | 57.5% | 46.7% | — | 10.8% | — | — |
| Capex / depreciation | 1.15 | 1.10 | 0.55 | 0.83 | 1.22 | — | 0.97 | 6.60 | 1.57 | 2.35 |
| Stock-based compensation / revenue | 0.3% | 0.0% | 0.0% | — | −0.8% | 5.5% | −7.6% | 10.9% | — | — |
| SG&A / revenue | 16.4% | 19.8% | 14.9% | 24.3% | 26.3% | 29.6% | 26.5% | 27.0% | 35.9% | 30.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 85.6 | 55.2 | 23.3 | 24.0 | 31.3 | 47.6 | 54.3 | 82.2 | 130.0 | 265.1 |
| Days of inventory on hand | — | — | -123.7 | -55.5 | -146.1 | -306.6 | -108.8 | 1.0 | 1.5 | 0.0 |
| Days payables outstanding | 18.4 | 29.1 | 13.9 | 10.2 | 7.5 | 10.1 | 5.7 | 16.0 | 20.2 | 19.4 |
| Cash conversion cycle (days) | 67.3 | 26.2 | -114.3 | -41.8 | -122.4 | -269.1 | -60.2 | 67.2 | 111.3 | 245.7 |
| Receivables turnover | 4.26 | 6.61 | 15.68 | 15.23 | 11.68 | 7.67 | 6.72 | 4.44 | 2.81 | 1.38 |
| Payables turnover | 19.88 | 12.56 | 26.34 | 35.63 | 48.41 | 36.27 | 63.84 | 22.86 | 18.06 | 18.78 |
| Inventory turnover | — | — | — | — | — | — | — | 353.59 | 236.48 | 15,482.86 |
| Asset turnover | 0.38 | 0.46 | 0.91 | 1.34 | 1.40 | 0.84 | 0.74 | 0.54 | 0.55 | 0.32 |
| Average receivables | ARS 545.50B | ARS 309.48B | ARS 192.32B | ARS 128.93B | ARS 67.99B | ARS 31.59B | ARS 23.06B | ARS 21.39B | ARS 18.34B | ARS 10.16B |
| Average payables | ARS 70.78B | ARS 70.50B | ARS 67.79B | ARS 30.98B | ARS 8.52B | ARS 2.97B | ARS 1.36B | ARS 2.04B | ARS 1.03B | ARS 275.4M |
| Average inventory | — | — | −ARS 605.07B | −ARS 167.87B | −ARS 165.11B | −ARS 90.44B | −ARS 25.81B | ARS 131.9M | ARS 78.3M | ARS 334,000 |
| Intangibles / total assets | 3.0% | 3.7% | 3.3% | 3.2% | 2.9% | 2.7% | 2.9% | 1.9% | 0.3% | 0.3% |
Computed from SUPV's annual financial statements (latest annual report filed April 8, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in Argentine pesos; data from EODHD. Averages use the opening and closing balance of each year.
SUPV valuation and financial ratios
Grupo Supervielle earned a return on equity of −6.3% and a return on invested capital of −26.0% in fiscal 2025. It ended the year with ARS 1.05 trillion of debt and ARS 1.60 trillion in cash and short-term investments, a net cash position of ARS 549.2 billion. It returned ARS 38.3 billion to shareholders: ARS 38.3 billion in dividends and ARS 0 in share buybacks.
See the SUPV income statement, the SUPV chart for price history, or the SUPV stock overview for the latest quote and news.
SUPV key metrics FAQ
What is Grupo Supervielle's return on equity?
Grupo Supervielle's return on equity (ROE) was −6.3% in fiscal 2025: net income of -ARS 56.6 billion on average shareholders' equity of ARS 902.3 billion.
What is Grupo Supervielle's ROIC?
Grupo Supervielle's return on invested capital was −26.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Grupo Supervielle have?
Grupo Supervielle had total debt of ARS 1.05 trillion at the end of fiscal 2025, a debt-to-equity ratio of 1.04 and more cash than debt.
What is Grupo Supervielle's current ratio?
Grupo Supervielle's current ratio was 4.06 at the end of fiscal 2025: current assets were 4.06 times current liabilities.