Mexico · Delayed Price · Currency is MXN Gentera Earnings Call Transcripts
Fiscal Year 2026
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Solid Q1 2026 results with double-digit loan and net income growth, record efficiency, and strong ROE. Asset quality in individual lending is being addressed, with normalization expected by year-end. Guidance for growth, NIM, and cost of risk reaffirmed.
Fiscal Year 2025
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Record 2025 results with double-digit growth in clients, loans, and net income, driven by strategic transformation and digital initiatives. 2026 guidance targets continued strong growth, stable risk metrics, and increased value sharing through higher dividends and foundation contributions.
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Loan portfolio and client base saw double-digit growth, with net income and ROE reaching record highs. Diversification, digital transformation, and strong asset quality support positive guidance for 2025 and 2026, with cost of risk and expenses well managed.
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Historic Q2 2025 results with net income up 63% and loan portfolio up 21.6% year-over-year. EPS guidance raised, asset quality remains strong, and digital transformation drives growth across all segments. ROE and NIM exceed expectations.
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Record Q1 results with 47% net income growth, strong loan and client expansion, and robust asset quality. Digital transformation and operational efficiency drive performance, with guidance likely to be revised upward after Q2.
Fiscal Year 2024
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Historic records set in customer base, loan portfolio, and net income, with strong double-digit growth across key subsidiaries and a robust insurance business. 2025 guidance targets continued double-digit growth, stable asset quality, and ongoing digital transformation.
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Record net income and portfolio growth were achieved, with strong client expansion and healthy asset quality. Guidance for year-end remains at the high end for EPS and mid-range for portfolio growth, with double-digit growth expected to continue next year. Operational efficiency and insurance business performance further supported results.
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Record client and portfolio growth drove strong H1 results, with net income up 13.4% YoY and ROE at 19.6%. Cost of risk rose due to Peru, but higher interest and fee income, plus expense control, support guidance for >20% ROE and double-digit growth.