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Gentera (GENTERA) investor relations material
Gentera Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Achieved record loan portfolio of Ps. 87,793 million, up 16.4% year-over-year, serving 6.36 million people across Mexico and Peru.
Net income for 3Q25 reached Ps. 2,156 million, a 23.3% increase year-over-year; nine-month net income at Ps. 6,485 million, up 42.6%.
Maintained strong asset quality with NPL ratio at 3.43% and coverage ratio at 236.2%.
Cash and investments at Ps. 15,318 million, reflecting sound liquidity.
Financial highlights
Interest income for 3Q25 was Ps. 12,421 million, up 21.7% year-over-year; net interest income after provisions rose 26.4%.
Commissions and fee income grew 29.5% to Ps. 1,520 million, driven by insurance sales.
Operating expenses increased 25.3% year-over-year, mainly due to higher personnel and strategic initiatives.
ROE for 3Q25 stood at 25.5%, up from 23.6% in 3Q24; ROA at 7.7%.
Outlook and guidance
Management expects continued growth, supported by digital transformation, prudent risk management, and strong fundamentals.
Asset quality remains stable, with NPL ratio below 4% target.
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Frequently asked questions
Gentera S.A.B. de C.V. is a financial services company specializing in microfinance. It provides loans, savings products, and insurance to underserved communities in Mexico and Latin America through its subsidiaries. The company is headquartered in Mexico City, Mexico, and its shares are listed on the BMV.
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