WallStSmart

Grupo Supervielle SA (SUPV)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Grupo Supervielle SA generates 2577% more annual revenue ($731.48B vs $27.32B). USB leads profitability with a 29.9% profit margin vs -10.4%. SUPV appears more attractively valued with a PEG of 0.29. USB earns a higher WallStSmart Score of 75/100 (B).

SUPV

Hold

41

out of 100

Grade: D

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

USB

Strong Buy

75

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

USB6 strengths · Avg: 8.7/10
Operating MarginProfitability
39.7%10/10

Strong operational efficiency at 39.7%

Market CapQuality
$100.05B9/10

Large-cap with strong market position

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
12.7x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

Areas to Watch

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

USB3 concerns · Avg: 3.0/10
PEG RatioValuation
2.114/10

Expensive relative to growth rate

Debt/EquityHealth
1.423/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : USB

The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.

Bear Case : SUPV

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

Bear Case : USB

The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

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

USB carries more volatility with a beta of 0.98 — expect wider price swings.

USB is growing revenue faster at 10.4% — sustainability is the question.

USB generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

USB scores higher overall (75/100 vs 41/100), backed by strong 29.9% margins and 10.4% 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.

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.

U.S. Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.

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