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Gentera SAB de CV

Gentera SAB de CV

10.00
USD
- -
- -
0.55EPS
Feb 24Next Earn
Gentera SAB de CV
OTC:CMPRY
(OTC Markets)

Recent

price

10.00

P/E

ratio

- -

div

yld

0.74%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
MXN
- -
22.48
28.49
36.37
42.13
52.14
60.29
62.74
63
68.23
54.98
71.11
88.58
105.24
132.74
158.72
54.66
Revenue per Share
- -
5.84
6.04
6.86
9.47
9.6
10.37
8.92
9.11
10.28
-4.99
7.38
14.68
15.98
20.42
26.96
9.39
Basic EPS, GAAP
- -
5.17
4.64
4.94
3.43
6.12
11.7
3.69
16.79
-0.85
29.7
-16.15
3.38
-11.37
11.1
28.91
11.54
Free Cash Flow per Basic Share
- -
1.36
1.5
5.18
- -
3.78
3.83
3.84
3.33
1.86
- -
- -
3.03
6.17
6.42
7.88
1.29
Dividend per Share
- -
21.61
25.43
26.57
35.81
41.04
48.58
51.31
55.43
64.23
59.19
66.78
74.4
81.12
98.32
112.58
116.2
Book Value per Share
- -
19.06
22.11
22.32
30.92
34.61
41.03
42.69
47.33
56.9
37.02
45
53.21
60.29
77.17
92.15
95.78
Tangible Book Value per Share
347
333
333
330
330
328
327
326
325
319
319
318
310
296
294
305
929
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
50,806
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
116
218
292
333
394
489
543
697
661
687
670
1,158
1,226
1,467
1,417
1,459
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
8,725
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
32.72
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
17.17
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
28,897
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
37,010
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
10.83
10.26
12.2
10.42
9.63
8.21
9.3
9.2
- -
4.24
9.81
9.27
9.59
12.11
13.16
Return on Capital (%)
- -
- -
25.67
26.27
30.35
24.91
23.11
17.82
17.06
17.01
-8.09
11.7
20.32
19.15
21.13
24.63
25
Return on Common Equity (%)

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
316
316
316
Market Capitalization
- -
- -
- -

Working Capital

MXN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
11,741
15,234
14,997
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
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

MXN

•

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
13,037
- -
- -
- -

Quarterly Earnings Per Share

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.99
0.75
1.04
1.12
20.42
2025
6.66
1.33
- -
1.21
26.96
2026
9.99
7.22
- -
- -
- -

Quarterly Dividends Per Share

MXN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
0.6
6.42
2025
- -
- -
- -
0.76
7.88
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.