
Grupo Supervielle S.A. Balance Sheet 2024-2011 | SUPV
Brief overview of Grupo Supervielle S.A.'s financial position
The review uses the five latest available annual reports between 2020 and 2024.
Assets advanced +1,097.7% to 4.5 trillion ARS from 376.2 billion ARS; annual growth near 86% reflects a fast increase in scale.
Liabilities grew more slowly than assets: +1,050% versus +1,097.7%. Expansion relied more on equity, improving funding quality.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 17.7% of assets versus 9.5% initially.
Balance sheet takeaway
The indicators point to a strong balance sheet position for Grupo Supervielle S.A.: funding is balanced and liability risks appear controlled.
Annual Balance Sheet Grupo Supervielle S.A.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-647 B | -493 B | -323 B | - | -43.1 B | -45.4 B | -23 B | 857 M | -3.47 B | -5.01 B | -2.46 B | -1.95 B | - | - |
Long Term Debt |
1.49 B | 2.21 B | 1.89 B | - | 11.2 B | 8.21 B | 10.7 B | 12.4 B | 5.03 B | 1.91 B | 1.14 B | 825 M | - | - |
Long Term Debt Current |
4.64 B | 4.02 B | 2.99 B | 1.6 B | 997 M | 637 M | 597 M | - | - | - | - | - | - | - |
Total Liabilities |
3.71 T | 3.74 T | 1.88 T | 660 B | 322 B | 171 B | 192 B | 177 B | 46.3 B | 30.7 B | 21.5 B | 16.1 B | - | - |
Deferred Revenue |
- | - | - | - | 3.33 B | - | - | - | - | - | - | - | - | - |
Retained Earnings |
- | - | - | - | - | -14.4 B | -6.31 B | 2.44 B | 1.31 B | 674 M | 363 M | 373 M | - | - |
Total Assets |
4.51 T | 4.48 T | 2.17 T | 760 B | 376 B | 202 B | 218 B | 208 B | 53.2 B | 33 B | 23.2 B | 17.4 B | - | - |
Cash and Cash Equivalents |
653 B | 499 B | 328 B | 198 B | 108 B | 54.3 B | 70.6 B | 25.2 B | - | - | - | - | - | - |
Book Value |
799 B | 744 B | 288 B | 100 B | 53.9 B | 31.9 B | 26.1 B | 31.2 B | 6.93 B | 2.37 B | 1.71 B | 1.35 B | - | - |
Total Shareholders Equity |
799 B | 744 B | 288 B | - | 35.7 B | 31.9 B | 35.5 B | 31.2 B | 12.1 B | - | - | - | - | - |
All numbers in ARS currency
Quarterly Balance Sheet Grupo Supervielle S.A.
| 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
1.49 B | 2.21 B | - | - | - | - | 535 M | - | - | - | 786 M | - | - | - | 651 M | - | - | - | 757 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
3.71 T | 3.74 T | - | - | - | - | 339 B | - | - | - | 322 B | - | - | - | 171 B | - | - | - | 192 B | - | - | - | 177 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
4.51 T | 4.48 T | - | - | - | - | 390 B | - | - | - | 376 B | - | - | - | 202 B | - | - | - | 218 B | - | - | - | 208 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
653 B | 499 B | - | - | - | - | 32.6 B | - | - | - | 55.4 B | - | - | - | 54.3 B | - | - | - | 70.6 B | - | - | - | 25.2 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
799 B | 744 B | - | - | - | - | 51.6 B | - | - | - | 53.9 B | - | - | - | 31.9 B | - | - | - | 26.1 B | - | - | - | 31.2 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
799 B | 744 B | - | - | - | - | 51.6 B | - | - | - | 53.9 B | - | - | - | 48.2 B | - | - | - | 53.6 B | - | - | - | 42.5 B | - | - | - | 18.5 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in ARS currency
Balance Sheet is a fundamental financial report of Grupo Supervielle S.A., providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.