WallStSmart

Lloyds Banking Group PLC ADR (LYG)vsGrupo Supervielle SA (SUPV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Grupo Supervielle SA generates 3614% more annual revenue ($731.48B vs $19.69B). LYG leads profitability with a 26.4% profit margin vs -10.4%. SUPV appears more attractively valued with a PEG of 0.29. LYG earns a higher WallStSmart Score of 70/100 (B).

LYG

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.0Quality: 5.3
Piotroski: 4/9

SUPV

Hold

41

out of 100

Grade: D

Growth: 4.0Profit: 2.0Value: 6.7Quality: 4.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LYG6 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.0%10/10

Strong operational efficiency at 45.0%

Market CapQuality
$90.28B9/10

Large-cap with strong market position

Profit MarginProfitability
26.4%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.768/10

Growing faster than its price suggests

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

SUPV2 strengths · Avg: 10.0/10
PEG RatioValuation
0.2910/10

Growing faster than its price suggests

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Areas to Watch

LYG0 concerns · Avg: 0/10

No major concerns identified

SUPV4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
1.1%4/10

1.1% revenue growth

Market CapQuality
$812.77M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.173/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : LYG

The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.

Bull Case : SUPV

The strongest argument for SUPV centers on PEG Ratio, Price/Book. PEG of 0.29 suggests the stock is reasonably priced for its growth.

Bear Case : LYG

No major red flags identified for LYG, but monitor valuation.

Bear Case : SUPV

The primary concerns for SUPV are Revenue Growth, Market Cap, Debt/Equity.

Key Dynamics to Monitor

LYG profiles as a mature stock while SUPV is a turnaround play — different risk/reward profiles.

LYG carries more volatility with a beta of 0.91 — expect wider price swings.

LYG is growing revenue faster at 12.3% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LYG scores higher overall (70/100 vs 41/100), backed by strong 26.4% margins and 12.3% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Lloyds Banking Group PLC ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.

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Grupo Supervielle SA

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Grupo Supervielle SA, a financial services holding company, offers various banking products and services in Argentina. The company is headquartered in Buenos Aires, Argentina.

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