Grupo Supervielle (FRA:189A) Cyclically Adjusted PB Ratio: 4.45 (As of Aug. 12, 2026) — 40% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:189A Grupo Supervielle SA FRA:189A
60 GF Score
Price €7.25
GF Value €3.06
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Grupo Supervielle Cyclically Adjusted PB Ratio?

Grupo Supervielle FRA:189A -0.68% 60 Cyclically Adjusted PB Ratio is 4.45 as of Aug. 12, 2026, which is 40% below its 10-year median of 7.36. GuruFocus rates FRA:189A with a GF Score™ of 60/100 and a GF Value™ of €3.06 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,289 Banks companies, Grupo Supervielle ranks worse than 97.36% on this metric.

As of today (2026-08-12), Grupo Supervielle's current share price is €7.25. Grupo Supervielle's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €1.63. Grupo Supervielle's Cyclically Adjusted PB Ratio for today is 4.45.

The historical rank and industry rank for Grupo Supervielle's Cyclically Adjusted PB Ratio or its related term are showing as below:

FRA:189A' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 3.53   Med: 7.36   Max: 14.15
Current: 4.7

During the past years, Grupo Supervielle's highest Cyclically Adjusted PB Ratio was 14.15. The lowest was 3.53. And the median was 7.36.

FRA:189A's Cyclically Adjusted PB Ratio is ranked worse than
97.36% of 1289 companies
in the Banks industry
Industry Median: 1.28 vs FRA:189A: 4.70

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Grupo Supervielle's adjusted book value per share data for the three months ended in Mar. 2026 was €7.686. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €1.63 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Grupo Supervielle  (FRA:189A) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Grupo Supervielle Cyclically Adjusted PB Ratio Related Terms


Grupo Supervielle Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Grupo Supervielle's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Grupo Supervielle Cyclically Adjusted PB Ratio Chart

Grupo Supervielle Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 10.90 7.24

Grupo Supervielle Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Dec25 Mar26
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.90 9.13 5.90 7.24 4.94

FRA:189A vs PNC, USB: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Grupo Supervielle's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Grupo Supervielle Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Grupo Supervielle's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Grupo Supervielle's Cyclically Adjusted PB Ratio falls into.


FRA:189A
60GF Score
Grupo Supervielle SA FRA:189A
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo Supervielle Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Grupo Supervielle's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=7.25/1.63
=4.45

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Grupo Supervielle's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Grupo Supervielle's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book=Book Value per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=7.686/330.2130*330.2130
=7.686

Current CPI (Mar. 2026) = 330.2130.

Grupo Supervielle Quarterly Data

Book Value per Share CPI Adj_Book
201603 2.340 238.132 3.245
201606 5.222 241.018 7.155
201609 5.239 241.428 7.166
201612 9.585 241.432 13.110
201703 6.066 243.801 8.216
201706 5.789 244.955 7.804
201709 9.410 246.819 12.589
201712 9.723 246.524 13.024
201803 6.660 249.554 8.813
201806 5.766 251.989 7.556
201809 4.135 252.439 5.409
201812 6.656 251.233 8.748
201903 4.405 254.202 5.722
201906 4.202 256.143 5.417
201909 3.574 256.759 4.596
201912 5.255 256.974 6.753
202003 4.227 258.115 5.408
202006 0.000 257.797 0.000
202009 3.977 260.280 5.046
202012 5.951 260.474 7.544
202103 4.158 264.877 5.184
202106 4.283 271.696 5.205
202109 4.653 274.310 5.601
202112 9.626 278.802 11.401
202203 5.689 287.504 6.534
202206 5.944 296.311 6.624
202209 6.447 296.808 7.173
202212 18.202 296.797 20.251
202303 6.019 301.836 6.585
202306 6.361 305.109 6.884
202309 6.251 307.789 6.706
202312 21.329 306.746 22.961
202403 6.910 312.332 7.306
202406 7.685 314.175 8.077
202409 7.979 315.301 8.356
202412 11.334 315.605 11.859
202503 8.913 319.799 9.203
202506 7.782 322.561 7.967
202512 6.522 324.054 6.646
202603 7.686 330.213 7.686

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PB Ratio of 4.45 mean?
Grupo Supervielle (FRA:189A) has a Cyclically Adjusted PB Ratio of 4.45 as of Aug. 12, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Grupo Supervielle and its competitors. This is 40% below median its historical median of 7.36. Over the past decade, Grupo Supervielle's Cyclically Adjusted PB Ratio has ranged from 3.53 to 14.15. According to the industry distribution chart, Grupo Supervielle ranks #1255 out of 1289 companies in the Banks industry, placing it in the top 97.4%.
Is Grupo Supervielle's Cyclically Adjusted PB Ratio too high?
Grupo Supervielle's current Cyclically Adjusted PB Ratio of 4.45 is 40% below median its 10-year median of 7.36. Over the past 10 years, this metric has ranged from a low of 3.53 to a high of 14.15. The Banks industry median Cyclically Adjusted PB Ratio is 1.28. Grupo Supervielle's value of 4.45 is 247.7% above this industry median. Based on the distribution chart, Grupo Supervielle ranks #1255 out of 1289 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grupo Supervielle has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Supervielle's Cyclically Adjusted PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Supervielle ranks #1255 out of 1289 companies for Cyclically Adjusted PB Ratio. This places Grupo Supervielle in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.28. Grupo Supervielle's value of 4.45 is 247.7% above this benchmark. Historically, Grupo Supervielle's own Cyclically Adjusted PB Ratio has ranged from 3.53 to 14.15 over the past decade. While the company's 10-year median is 7.36 vs. the industry median of 1.28, Grupo Supervielle has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.28, based on 1,289 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Supervielle's current Cyclically Adjusted PB Ratio of 4.45 is 247.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Grupo Supervielle and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Supervielle's current Cyclically Adjusted PB Ratio is 4.45, which is 40% below median its own 10-year median of 7.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Supervielle stock overvalued right now?
Based on GuruFocus' analysis, Grupo Supervielle (FRA:189A) is currently considered Significantly Overvalued. The stock's GF Value™ is €3.06, compared to a current price of €7.25 — trading 136.9% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 4.45, which is 40% below median its 10-year median of 7.36 and 247.7% above the Banks industry median of 1.28. Grupo Supervielle's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Grupo Supervielle (FRA:189A), the current Cyclically Adjusted PB Ratio is 4.45 as of Aug. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Grupo Supervielle (FRA:189A) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Supervielle stock appears to be overvalued. The current stock price of €7.25 is trading 136.9% above its estimated GF Value™ of €3.06. GuruFocus considers Grupo Supervielle to be Significantly Overvalued.

Key valuation signals for FRA:189A:

  • Cyclically Adjusted PB Ratio: 4.45 (40% below median its 10-year median of 7.36)
  • GF Value™: €3.06 vs. price of €7.25 (136.9% above fair value)
  • GF Score™: 60/100 with 4 warning signs
  • Industry Position: 247.7% above the Banks median (#1255 of 1289)

No single metric tells the full story. See the FRA:189A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Grupo Supervielle Business Description

Address Reconquista 330, Buenos Aires, ARG, C1003ABG
Grupo Supervielle SA a diversified financial services group in Argentina. It offers a broad range of financial products and services including lending, savings and investments, insurance, payments and cash management services, car loans, and asset management, positioning itself as a one-stop destination for financial needs. It operates exclusively in Argentina, through the Bank, which serves as its main banking subsidiary, delivering a comprehensive suite of financial services to retail, SMEs and corporate customers. Its segments include Personal & Business Banking; Corporate Banking; Bank Treasury; Insurance; and Asset Management and Other Services (which includes IOL invertironline). The majority of the revenue is derived from Personal & Business Banking segment.
60GF Score

Get the complete analysis for FRA:189A

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.25
Price
€3.06
GF Value