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    Financial - Credit Services
Gentera, S.A.B. de C.V.

Gentera, S.A.B. de C.V.

GENTERA.MX
Gentera, S.A.B. de C.V.MX flagMexican Stock Exchange
38.74
MXN
-0.90
- -
61.18BMarket Cap
Gentera, S.A.B. de C.V.
GENTERA.MX
(Mexican Stock Exchange)

Recent

price

38.74

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
4.5
5.71
7.28
8.44
10.44
12.07
12.57
12.62
13.66
11.01
14.24
17.74
21.08
26.58
31.79
27.98
Revenue per Share
- -
1.17
1.21
1.37
1.9
1.92
2.08
1.79
1.83
2.06
-1
1.48
2.94
3.2
4.09
5.4
4.82
Basic EPS, GAAP
- -
1.04
0.93
0.99
0.69
1.22
2.34
0.74
3.36
-0.17
5.95
-3.24
0.68
-2.28
2.22
5.79
0.61
Free Cash Flow per Basic Share
- -
0.27
0.3
1.04
- -
0.76
0.77
0.77
0.67
0.37
- -
- -
0.61
1.23
1.29
1.58
0.6
Dividend per Share
- -
3.69
4.12
4.39
4.19
7.08
8.2
8.89
9.5
11.38
10.36
11.88
14.51
17.2
20.09
23.21
19.83
Book Value per Share
- -
3.93
4.54
4.57
6.34
6.95
8.25
8.6
9.51
11.43
9.55
11.28
12.13
14.42
18.28
19.43
16.2
Tangible Book Value per Share
1,733
1,662
1,662
1,648
1,648
1,639
1,632
1,627
1,625
1,591
1,593
1,588
1,549
1,476
1,468
1,521
1,579
Basic Weighted Avg Shares
- -
7,485
9,485
12,004
13,905
17,112
19,705
20,445
20,496
21,738
17,540
22,610
27,480
31,101
39,031
48,364
44,185
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
116
218
292
333
394
489
543
697
661
687
670
1,158
1,226
1,467
1,417
1,550
Depreciation Expense
- -
1,944
2,010
2,264
3,125
3,150
3,390
2,905
2,965
3,275
-1,592
2,347
4,554
4,722
6,005
8,216
7,619
Net Income, GAAP
- -
33.48
34.26
35.34
23.68
31.37
29.68
26.22
26.33
29.5
- -
26.35
28.9
28.43
29.94
33.52
29.9
Effective Tax Rate (%)
- -
25.97
21.19
18.86
22.47
18.41
17.2
14.21
14.47
15.07
-9.08
10.38
16.57
15.18
15.39
16.99
17.24
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
8,999
11,886
14,518
15,109
19,566
20,992
16,261
12,101
19,749
26,626
23,967
16,393
24,946
29,368
31,737
30,715
LT Debt
- -
7,377
8,644
8,943
12,060
13,501
15,929
16,805
18,083
20,521
22,282
24,834
25,512
27,886
33,523
36,026
32,124
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
63.41
30.98
32.16
44.17
34.02
27.13
20.86
19.83
19.54
-9.2
13.27
22.03
19.73
21.88
25.35
26.55
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,579
1,579
1,579
Market Capitalization
34,323
49,793
63,312

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,445
13,408
13,232
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.43%
10.23%
7.47%
Free Cash Flow
-403.44%
-144.41%
170%
Net Income, GAAP
-22.85%
-17.14%
36.82%
Sales/Revenue/Turnover
11.89%
22.61%
23.91%
Total Cash Common Dividend
- -
- -
27.16%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8,431
8,913
9,831
11,856
39,031
2025
11,049
11,449
13,675
- -
48,364
2026
12,645
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
- -
- -
- -
4.09
2025
1.33
- -
- -
- -
5.4
2026
2
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.29
2025
- -
- -
- -
- -
1.58
2026
- -
- -
- -
- -
- -
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Business
Gentera, S.A.B. de C.V. (GENTERA.MX) operates as a financial services holding company focused on promoting financial inclusion for underserved low-income segments in Mexico and Peru. The company provides a range of products and services including group and individual loans such as Credito Mujer, Credito Comerciante, Fusion Grupal, Credito Adicional Plus, Credito Individual, Valedinero, and Creditienda; savings accounts; insurance policies distributed through 16.6 million active policies via Aterna; payment channels and remittance services via Yastas with over 5,300 affiliates executing 7.1 million operations quarterly; and administration services, all supported by financial education and customer protection initiatives. Gentera serves more than 5.8 million clients through subsidiaries like Banco Compartamos (Mexico), Compartamos Banco (Peru), ConCrédito, Yastas, Aterna, and Fundación Compartamos, with operations spanning Mexico and Peru and headquarters in Mexico City; founded in 1990 and listed on the Mexican Stock Exchange since 2007. Recent developments include a 21.6% year-over-year loan portfolio growth to 83.7 billion pesos in Q2 2025, record net income of 2.108 billion pesos (up 63%), deployment of digital lending platforms including individual lending in Mexico and group lending in Peru, nationwide expansion of ConCrédito to all 32 Mexican states and 195 cities, upward revision of full-year 2025 EPS guidance to 5.00-5.15 pesos (32% above 2024), and a preparatory agreement in April 2025 for acquiring the remaining 25.1% stake in ConCrédito for up to 2.5 billion pesos pending approvals.