1. Mexico Stocks

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    Finance

  3. •

    Finance/Rental/Leasing
Financiera Independencia SAB de CV

Financiera Independencia SAB de CV

6.44
MXN
0.00
(0.00%)
1.86EPS
4.02P/E
2.53BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
14.27
14.48
14.44
13.99
14.4
14.84
17.6
19.34
13.6
15.9
16.12
17.12
16.88
14.9
Basic EPS, GAAP
0.75
0.93
0.61
0.65
0.68
0.8
1.11
-1.65
1.12
2.04
2.33
2.73
2.08
1.86
Free Cash Flow per Basic Share
0.41
- -
0.2
-0.34
-0.17
- -
0.2
1.71
-1.1
2.46
0.32
1.81
6.54
1.93
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
4.25
- -
Book Value per Share
8.61
9.79
10.5
11.16
11.64
11.87
12.79
12
13.2
14.04
15.74
18.54
16.17
16.08
Tangible Book Value per Share
3.81
5.01
5.74
6.42
6.93
7.17
7.83
8.26
10.01
10.84
12.52
15.28
12.82
13.09
Basic Weighted Avg Shares
340
342
342
341
336
327
291
250
310
306
305
294
294
314
Sales/Revenue/Turnover
4,853
4,948
4,938
4,764
4,834
4,855
5,126
4,828
4,212
4,871
4,908
5,041
4,969
4,686
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
125
106
103
101
101
97
93
115
144
292
321
330
350
344
Net Income, GAAP
254
318
209
223
228
262
324
-413
347
625
710
804
611
586
Effective Tax Rate (%)
23.28
27.37
26.27
29.73
24.1
26.02
28.24
54.58
27.09
30.27
29.54
27.06
27.94
28.09
Profit Margin (%)
5.24
6.43
4.23
4.68
4.72
5.4
6.32
-8.55
8.24
12.83
14.47
15.96
12.3
12.5
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
5,226
7,186
7,509
7,426
7,360
7,393
7,559
5,911
5,407
6,053
4,437
4,606
5,124
4,837
Total Equity
3,082
3,504
3,757
3,994
4,167
4,247
4,315
4,051
4,454
4,740
5,311
6,258
5,458
5,428
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.85
3.35
1.9
1.97
1.99
2.26
2.76
-3.78
3.5
6.05
6.91
7.81
5.7
5.37
Return on Common Equity (%)
8.57
9.66
5.76
5.75
5.59
6.23
7.57
-9.86
8.16
13.6
14.13
13.91
10.44
9.89

Capital Structure

MXN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
338
338
338
Market Capitalization
2,953
2,734
2,528

Working Capital

MXN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,328
1,410
1,266
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

MXN

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.15%
6.7%
-12.77%
Free Cash Flow
-398.86%
24.22%
260.83%
Net Income, GAAP
-28.09%
-20.2%
-23.99%
Sales/Revenue/Turnover
0.31%
0.99%
-1.41%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,182
1,247
1,302
1,310
5,041
2025
1,239
1,237
- -
1,234
4,969
2026
1,121
1,094
- -
- -
- -

Quarterly Earnings Per Share

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.53
0.57
0.64
0.8
2.73
2025
0.52
0.43
- -
0.51
2.08
2026
0.44
0.49
- -
- -
- -

Quarterly Dividends Per Share

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
4.25
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Eduardo Messmacher Henriquez
Full Time Employees
2,454
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Prolong. Paseo de la Reforma No. 600 Mexico City DF Mexico 01210
IPO Date
Nov 7, 2007
Website
findep.mx
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Business
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R. (FINDEP.MX) operates as a Mexico-based non-bank financial institution specializing in microfinance and personal loans targeted at low- and middle-income individuals, informal sector workers, minimum-wage earners, mothers, and self-employed persons in underserved segments lacking access to traditional banking; its core products and services include CrediInmediato and CrediInmediato Revolvente for formal-sector employees offering revolving lines of credit starting from Ps. 3,000 with fixed-interest terms, CrediPopular and MicroNegocio for self-employed and informal borrowers, CrediMama for mothers with underage children, CrediConstruye for home construction, maintenance, and renovation, Credito Simple and PYMEfectivo as streamlined personal and small business loans, CrediSeguro providing insurance for permanent disability and medical assistance, life and unemployment insurance financing, cell phone payment plans, and additional offerings such as group loans, credit protection, payment freezing options, and acquisition of consumer loan collection rights. Founded in 1993 and headquartered at Prolongación Paseo de la Reforma 600-312, Colonia Santa Fe Peña Blanca, Mexico City, the company conducts operations through approximately 344 branches primarily in Mexico, with expansion into the United States via subsidiary Apoyo Financiero Inc. (AFI) serving unbanked Hispanic communities in California, Arizona, and Texas, and historical presence in Brazil that has been divested. Subsidiaries encompass Financiera Finsol SA de CV SOFOM E.N.R., Apoyo Económico Familiar SA de CV (AEF), Apoyo Financiero Inc., and others focused on complementary lending, insurance, administrative, call center, and marketing services. Recent developments include a March 2025 credit line agreement with BBVA Mexico, a 52.7% cash redemption of securities announced that same month, long-term debt issuances by AFI in U.S. dollars totaling Ps. 2.6 billion as of mid-2025, maintenance of a Ps. 8.0 billion loan portfolio amid macroeconomic challenges with a deliberate risk-aware approach to originations, and ongoing U.S. diversification through AFI's regulated lending licenses to enhance portfolio credit profile.