Home Bancorp, Inc. (HBCP) vs Grupo Supervielle S.A. (SUPV)

Home Bancorp, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Home Bancorp, Inc. and Grupo Supervielle S.A. are of similar size ($568.4M and $533.0M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Home Bancorp, Inc. trades at 11.2×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 2.06%. Home Bancorp, Inc. has the higher net margin (22.2% vs −3.62%) and the higher return on invested capital (11.5% vs 0.00%). Across the 18 metrics below, Home Bancorp, Inc. leads on 13 and Grupo Supervielle S.A. on 5.

Valuation

Metric HBCP SUPV Banks Regional median
P/E 11.20 n/m 12.15
P/S 2.50 0.38 2.37
P/B 1.16 0.77 1.21
Price to free cash flow 10.20 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.86 (0.16) 2.27
Earnings yield 8.93% (8.70%) 8.11%
Free cash flow yield 9.80% 4.03% 8.98%

Profitability

Metric HBCP SUPV Banks Regional median
Gross margin 73.15% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.23% (3.62%) 18.66%
Free cash flow margin 24.48% 1.51% 21.18%
Return on equity 10.84% (7.34%) 10.64%
Return on assets 1.32% (1.06%) 1.13%
Return on invested capital 11.49% 0.00% 8.33%

Growth

Metric HBCP SUPV Banks Regional median
Revenue growth (TTM) 2.06% 10.24% 6.61%
EPS growth (last fiscal year) 28.73% (128.85%) —
Revenue growth, 5-year CAGR 12.05% 8.30% 12.30%
Net income growth, 5-year CAGR 13.21% 0.00% 9.71%

Health

Metric HBCP SUPV Banks Regional median
Debt to equity 0.12 0.09 0.22
Current ratio 0.97 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBCP SUPV Banks Regional median
Dividend yield 2.75% — 3.75%
Payout ratio 0.19 0.00 0.27

Size

Metric HBCP SUPV Banks Regional median
Market cap 533.01m 568.38m 921.07m

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