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 2024 results with record net income, strong loan and customer growth, and robust segment performance. 2025 guidance targets double-digit portfolio and EPS growth, with continued digital transformation and stable asset quality expected.
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Record net income and portfolio growth were achieved, with strong client expansion and healthy asset quality. Guidance for 2024 remains at the high end for EPS and mid-range for portfolio growth, with double-digit growth expected next year and a continued 40% dividend payout.
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Record client and portfolio growth drove strong financial results, with net income up 13.4% and ROE at 19.6%. Cost of risk remains elevated in Peru but is expected to normalize, while digital transformation and insurance fee growth support future profitability.