Bank7 Corp. (BSVN) vs Grupo Supervielle S.A. (SUPV)

Bank7 Corp. and Grupo Supervielle S.A. are both Banks Regional companies. Bank7 Corp. and Grupo Supervielle S.A. are of similar size ($559.2M and $528.6M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Bank7 Corp. trades at 13.1×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against −0.23%. Bank7 Corp. has the higher net margin (30.4% vs −3.62%) and the higher return on invested capital (78.0% vs 0.00%). Across the 17 metrics below, Bank7 Corp. leads on 14 and Grupo Supervielle S.A. on 3.

Valuation

Metric BSVN SUPV Banks Regional median
P/E 13.12 n/m 11.98
P/S 4.00 0.37 2.34
P/B 2.08 0.76 1.19
Price to free cash flow 11.25 24.77 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.62% (8.73%) 8.23%
Free cash flow yield 8.89% 4.04% 9.08%

Profitability

Metric BSVN SUPV Banks Regional median
Gross margin 71.17% 54.65% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.36% (3.62%) 18.66%
Free cash flow margin 35.58% 1.51% 21.11%
Return on equity 16.85% (7.34%) 10.65%
Return on assets 2.24% (1.06%) 1.13%
Return on invested capital 77.98% 0.00% 8.35%

Growth

Metric BSVN SUPV Banks Regional median
Revenue growth (TTM) (0.23%) 10.24% 6.98%
EPS growth (last fiscal year) (7.02%) (128.85%) 18.88%
Revenue growth, 5-year CAGR 20.08% 8.30% 12.38%
Net income growth, 5-year CAGR 17.46% 0.00% 9.71%

Health

Metric BSVN SUPV Banks Regional median
Debt to equity 0.00 0.09 0.22
Current ratio 1.11 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSVN SUPV Banks Regional median
Dividend yield 1.91% — 2.57%
Payout ratio 0.25 — 0.30

Size

Metric BSVN SUPV Banks Regional median
Market cap 528.59m 559.23m 913.33m

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