Grupo Supervielle SA (SUPV)vsU.S. Bancorp (USB)
SUPV
Grupo Supervielle SA
$9.06
+3.19%
FINANCIAL SERVICES · Cap: $762.48M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Supervielle SA generates 2666% more annual revenue ($728.99B vs $26.35B). USB leads profitability with a 28.7% profit margin vs -6.7%. SUPV appears more attractively valued with a PEG of 0.29. USB earns a higher WallStSmart Score of 75/100 (B).
SUPV
Hold39
out of 100
Grade: F
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-676.7%
Fair Value
$1.50
Current Price
$9.06
$7.56 premium
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Generating 56.0B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of -4.7% — below average capital efficiency
Revenue declined 29.8%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SUPV
The strongest argument for SUPV centers on PEG Ratio, Free Cash Flow. PEG of 0.29 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : SUPV
The primary concerns for SUPV are P/E Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, 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 1.04 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
SUPV generates stronger free cash flow (56.0B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 39/100), backed by strong 28.7% margins. 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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