Kearny Financial (KRNY) vs Grupo Supervielle S.A. (SUPV)

Kearny Financial and Grupo Supervielle S.A. are both Banks Regional companies. Kearny Financial and Grupo Supervielle S.A. are of similar size ($603.8M and $568.4M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Kearny Financial trades at 16.4×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 1.05%. Kearny Financial has the higher net margin (10.5% vs −3.62%) and the higher return on invested capital (1.64% vs 0.00%). Across the 18 metrics below, Kearny Financial leads on 10 and Grupo Supervielle S.A. on 8.

Valuation

Metric KRNY SUPV Banks Regional median
P/E 16.42 n/m 12.15
P/S 1.70 0.38 2.37
P/B 0.77 0.77 1.21
Price to free cash flow 15.01 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.68 (0.16) 2.27
Earnings yield 6.09% (8.70%) 8.11%
Free cash flow yield 6.66% 4.03% 8.98%

Profitability

Metric KRNY SUPV Banks Regional median
Gross margin 51.31% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.45% (3.62%) 18.66%
Free cash flow margin 11.29% 1.51% 21.18%
Return on equity 4.79% (7.34%) 10.64%
Return on assets 0.47% (1.06%) 1.13%
Return on invested capital 1.64% 0.00% 8.33%

Growth

Metric KRNY SUPV Banks Regional median
Revenue growth (TTM) 1.05% 10.24% 6.61%
EPS growth (last fiscal year) 35.71% (128.85%) —
Revenue growth, 5-year CAGR 6.02% 8.30% 12.30%
Net income growth, 5-year CAGR (10.52%) 0.00% 9.71%

Health

Metric KRNY SUPV Banks Regional median
Debt to equity 1.50 0.09 0.22
Current ratio 1.05 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric KRNY SUPV Banks Regional median
Dividend yield 6.83% — 3.75%
Payout ratio 0.70 0.00 0.27

Size

Metric KRNY SUPV Banks Regional median
Market cap 603.84m 568.38m 921.07m

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