Grupo Supervielle S.A. financial statements

Income statement, balance sheet and cash flow statement for the last 8 fiscal years, taken from the XBRL data Grupo Supervielle S.A. files with the SEC in its annual reports.

In ARS millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2018	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024
Revenue	28,998	35,765	57,386	122,460	337,050	749,780	996,155	857,586
General and administrative	7,566	11,729	15,563	30,339	93,147	193,694	183,877	174,327
Operating income	641	-3,147	-2,702	12,268	-8,835	-58,439	188,132	142,867
Interest income					0.41
Pre-tax income	641	-4,284	-4,079	12,268	-8,835	-58,439	188,132	142,867
Income tax	1,803	2,117	347	1,975	1,698	-24,311	75,640	38,298
Income from continuing operations	641	-3,147	-2,702	12,268	-8,835	-58,439	188,132	142,867
Net income to minority interests	-1.37	-60	-4.16	2.62	-11	-37	91.4	75.9
Net income	-1,160	-6,341	-4,421	10,290	-10,522	-34,091	112,401	104,493
EBITDA	1,598	-2,241	1,027	19,345	16,795	10,043	257,667	195,451
EPS, basic		-276.73	-127.80	152.75	-50.17	-75.04	253.88	237.67
EPS, diluted		-276.73	-127.80	152.75	-50.17	-75.04	253.88	237.67

Balance sheet

	FY2018	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024
Cash and equivalents	25,205	70,551	54,256	107,833	197,595	328,213	498,893	652,976
Property, plant and equipment	2,061	3,359	5,448	10,722	21,495	57,217	51,152
Goodwill	166	2,679	3,633	5,494	10,702	31,027	58,855	58,855
Intangible assets	459	4,170	5,919	10,238	22,249	69,369	147,282	166,012
Total assets	208,028	218,033	202,420	376,193	760,479	2,165,989	4,481,593	4,505,843
Lease liabilities		757	651	786	1,042	1,893	2,206	1,493
Total liabilities	176,812	191,930	170,515	322,338	660,062	1,878,446	3,737,602	3,707,044
Shareholders' equity	20,069	26,081	31,878	53,812	100,337	287,316	743,396	797,735
Minority interests	222	21.7	26.7	42.8	79.7	228	595	1,064
Total equity	42,497	53,639	93,809	326,686	680,883	287,544	743,991	798,799
Total liabilities and equity	219,309	245,569	264,324	649,024	1,340,945	2,165,989	4,481,593	4,505,843

Cash flow statement

	FY2018	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024
Net income	-1,162	-6,401	-4,426	10,293	-10,533	-34,128	112,492	104,569
Depreciation and amortization	957	906	3,729	7,077	25,630	68,482	69,535	52,584
Cash from operations	-27,816	43,291	-56,178	66,130	51,465	11,245	343,958	518,861
Cash from investing	-613	-9,296	-2,679	-12,799	-28,478	-51,230	-41,134	-46,243
Debt issued	101,398	149,114	227,212	43,731	196,241	1,138,802	300,081	300,536
Stock issued	14,104
Share buybacks						-9,380	-1,870	-9,917
Dividends paid	-170	-688	-958	-1,559	-3,122	-3,335		-27,963
Cash from financing	28,428	-1,862	-30,516	-41,830	-76,218	-85,258	-48,211	36,414
Exchange rate effect	21,587	32,132	49,512	30,506	67,023	21,138	472,458	265,181
Net change in cash	21,586	64,266	-39,861	42,008	-90,037	-221,934	181,416	212,413

Key metrics

Worked out from the statements above. Latest values use fiscal 2024. No valuation: the share price is quoted in a different currency than the statements.

Profitability

Metric	Value	How it is calculated
Operating margin	16.7%	Operating income / revenue.
EBITDA margin	22.8%	EBITDA (operating income + depreciation and amortization) / revenue.
Pre-tax margin	16.7%	Pre-tax income / revenue.
Net margin	12.2%	Net income / revenue.
Operating cash flow margin	60.5%	Cash from operations / revenue.
Effective tax rate	26.8%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	13.6%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	2.3%	Net income / average total assets.
Return on invested capital (ROIC)	53.7%	Approximation: operating income x (1 - tax rate) / average (total debt + equity - cash). Tax rate is the effective rate when between 0% and 50%, else 21%.
D&A / revenue	6.1%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	-13.9%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	36.5%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	71.7%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating income growth, 1y	-24.1%	Operating income vs the same period a year earlier. Only from a positive base.
EBITDA growth, 1y	-24.1%	EBITDA vs the same period a year earlier. Only from a positive base.
EBITDA CAGR, 3y	126.6%	Compound annual growth of ebitda over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EBITDA CAGR, 5y	185.7%	Compound annual growth of ebitda over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	-7.0%	Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y	-6.4%	EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y	50.9%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	116.0%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y	7.3%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	99.6%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	90.4%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	0.5%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	81.0%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	86.0%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	82.3%	Total liabilities / total assets.
Goodwill and intangibles / assets	5.0%	(Goodwill + intangible assets) / total assets.
Tangible book value	ARS 572.87B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.19x	Revenue / average total assets.

Per share

Metric	Value	How it is calculated
EPS, diluted	ARS 237.67	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic	ARS 237.67	Net income per basic share, as reported (split-adjusted).
Payout ratio	26.8%	Dividends paid / net income, when net income is positive.

What was Grupo Supervielle S.A.'s revenue in fiscal 2024?

Grupo Supervielle S.A. reported revenue of ARS 857.59B for fiscal 2024, 13.9% lower than the year before.

Was Grupo Supervielle S.A. profitable in fiscal 2024?

Yes. Net income was ARS 104.49B, a net margin of 12.2%.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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