Regional, S.A.B. de C.V. Class A

Regional, S.A.B. de C.V. Class A

155.50
MXN
-1.54
(-0.98%)
35.74BMarket Cap
Oct 26Next Earn
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
14.37
16.46
19.96
25.72
29.18
27.37
37.53
37.4
40.03
41.74
47.36
57.7
61.37
- -
Basic EPS, GAAP
4.37
5.01
5.44
7.35
8.41
9.75
11.21
9
10.84
15.19
17.3
19.88
20.18
- -
Free Cash Flow per Basic Share
0.94
1.7
2.63
5.88
-7.22
5.83
3.25
8.03
6.75
11.32
14.22
- -
25.6
- -
Dividend per Share
1.35
- -
0.9
1
1.3
3
3.49
- -
5.48
12.13
7.58
- -
7.91
- -
Book Value per Share
24.16
29.12
33.59
39.87
46.97
53.88
60.03
67.67
74.43
76.97
86.3
98.83
136.68
142
Tangible Book Value per Share
23.8
28.71
33.11
39.24
46.26
52.84
58.29
65.01
70.96
72.29
80.05
90.73
125.37
130.41
Basic Weighted Avg Shares
328
328
328
328
328
328
328
328
328
328
328
328
328
282
Sales/Revenue/Turnover
4,711
5,398
6,545
8,436
9,568
8,977
12,306
12,263
13,126
13,687
15,532
18,922
20,124
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
850
1,048
1,308
1,630
1,777
2,013
2,310
2,480
2,667
870
906
100
1,200
- -
Net Income, GAAP
1,433
1,644
1,785
2,411
2,758
3,197
3,675
2,952
3,556
4,982
5,673
6,520
6,619
- -
Effective Tax Rate (%)
23.94
26.05
22.89
28.16
28.31
27.7
28.01
28.56
25.33
23.97
25.27
26.14
26.8
- -
Profit Margin (%)
30.42
30.46
27.27
28.58
28.83
35.61
29.86
24.07
27.09
36.4
36.52
34.46
32.89
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
10,311
11,442
12,771
10,861
10,038
9,502
11,349
11,459
8,880
8,908
8,023
9,699
12,044
12,669
Total Equity
7,922
9,551
11,015
13,074
15,403
17,668
19,687
22,190
24,408
25,238
28,298
32,408
36,428
37,861
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.86
8.38
7.97
10.1
11.17
12.15
12.63
9.13
10.62
14.78
16.1
16.63
14.61
- -
Return on Common Equity (%)
18.88
18.82
17.36
20.02
19.37
19.33
19.68
14.1
15.26
20.07
21.19
21.48
19.23
- -

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
267
267
267
Market Capitalization
38,035
41,061
35,740

Working Capital

MXN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
11,090
16,642
16,403
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
12.78%
10.49%
12.4%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
15.15%
18.18%
1.52%
Sales/Revenue/Turnover
12.58%
10.59%
6.35%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,325
4,440
4,549
4,805
18,922
2025
4,706
4,851
- -
5,048
20,124
2026
4,833
4,952
- -
- -
- -

Quarterly Earnings Per Share

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.92
4.9
4.89
5.16
19.88
2025
4.98
5
- -
6.81
20.18
2026
5.68
4.65
- -
- -
- -

Quarterly Dividends Per Share

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
7.91
2026
- -
- -
- -
- -
- -

Company Description

CEO
Manuel Gerardo Rivero Zambrano
Full Time Employees
6,903
Sector
Finance
Industry
Regional banks
Address
Avenue Pedro Ramirez Vazquez #200-12 San Pedro Garza García NL Mexico 66278
IPO Date
Jul 14, 2011
Business
Regional S.A.B. de C.V. (RA.MX) operates as a financial holding company that provides comprehensive banking products and services through its subsidiaries, including Banregio, primarily targeting small, medium-sized enterprises, preferred individual clients, and automotive financing in Mexico. The company offers loans for working capital and investment projects to medium-sized businesses (greater than MXN 20-30 million); credits, point-of-sale terminals, insurance products, and related services for small businesses (up to MXN 20-30 million); personalized credit cards, personal loans, and mortgages for home/land acquisition, construction, renovations, and refinancing in its preferred banking segment; automotive credits for transport equipment; consumer credits including credit cards and personal loans for middle- and high-income segments; leasing for machinery, equipment, forklifts, computers, and auto fleets via pure or financial leasing for individuals and businesses; as well as savings/investment products, currency exchange, investment fund distribution, electronic banking, derivatives, collections, and credit letters. Founded in 1994 and headquartered in San Pedro Garza Garcia, Nuevo Leon, Mexico, Regional maintains a network of over 170 branches across more than 20 states, including Aguascalientes, Baja California, Chihuahua, Coahuila, Mexico City, Durango, Guanajuato, Jalisco, Nuevo Leon, San Luis Potosi, Sinaloa, Sonora, and Tamaulipas. In recent years, the company restructured in 2018 to form Regional S.A.B. de C.V. from Banregio (BMV: GFREGIO), enhancing flexibility for financial and technology ventures while retaining Banregio's brand; expanded geographically with acquisitions of leasing firms Master Lease in 2009 (auto fleets) and CIT Mexico in 2015 (technology and machinery); achieved 10% loan portfolio growth led by SMEs and consumer segments as of 3Q25; grew core deposits by 9% with a loan-to-deposit ratio of 103%; launched product updates including a business credit card with a lower 34.1% CAT (valid through November 2025) and a no-minimum-balance digital account option; and introduced a Concierge Program for premium clients in key cities like Guadalajara, Mexico City, and Monterrey.