SUPV Earnings Prediction
The chart below shows how SUPV performed 10 days before and after its earnings report, based on data from the past quarters. Typically, SUPV sees a -3.21% change in stock price 10 days leading up to the earnings, and a +4.08% change 10 days following the report. On the earnings day itself, the stock moves by +1.35%. This data can give you a slight idea of what to expect for the next quarter's release.
SUPV Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
222.66M
-23.61%
-17.15%
Gross Margin
--
--
--
Operating Margin
27.72%
-29.16%
-27.68%
Net Margin
4.24%
-59.43%
-40.95%
EPS
0.02
-71.43%
-50.00%
No Data Available
SUPV Earnings Analysis
Grupo Supervielle S.A. Corporation (SUPV.N) Earnings Conference Call
Positive
Loan Growth Momentum: Sustained loan growth momentum continued in the third quarter and into the fourth quarter to date, with our loan book expanding 15% sequentially and 60% year-to-date in real terms, gaining 60 basis points in market shares since the beginning of the year.
Record High US Deposits: Total deposits were up in the high-teens, mainly driven by US deposits, which stand at a record high following the tax amnesty.
Fee Income Growth: Fee income also showed strong growth sequentially with solid contributions across our banking, asset management and online brokerage platforms.
Record Assets Under Custody: Assets under custody reached a record of $1.2 billion, reflecting our strong position in the market.
Car Insurance Expansion: We continue to expand our insurance operation, achieving a 36% quarterly growth in car insurance.
Negative
Transitioning Asset Base Impact: Lower ROE of 5% in real terms as the company transitions its asset base from a large share of government securities to growing private sector loans.
Net Financial Income Decline: A 29% sequential drop in net financial income reflecting the decline in inflation and the yield on government securities, partially offset by a lower cost of funding amid the lower interest rate environment.
Operating Expenses Increase: Operating expenses increased by 2% quarter-on-quarter, impacted by severance charges reported in the quarter.
CET1 Ratio Decline: The CET1 ratio declined by 210 basis points sequentially to slightly over 19%, reflecting higher risk-weighted assets due to the continued acceleration of sector loan growth, along with higher deductions on deferred taxes.
Liquidity Concern Indicator: The loan-to-deposit ratio stood at 58%, indicating a potential liquidity concern as the bank continues to grow its loan portfolio.
SUPV FAQs
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SUPV Earning Call Sentiment
Grupo Supervielle S.A. (SUPV) Q3 2024 Earnings Call Transcript
1.0x
00:00
00:00
SUPV.N
-5.41%Positive
The earnings call summary presents mixed signals. Basic financial performance shows growth in loans and deposits, but net financial income has declined. The market strategy is optimistic, focusing on high NIM loans and strategic growth, yet economic and regulatory risks in Argentina are significant. No specific shareholder return plan was announced. The Q&A revealed some uncertainty about NII growth, and management's responses were vague. Overall, the lack of strong positive catalysts and the presence of economic challenges lead to a neutral sentiment, with potential for minor fluctuations in stock price.
