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Gentera (GENTERA) investor relations material
Gentera Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved record net income of Ps. 2,353M in 2Q26, up 11.6% year-over-year, with total users reaching 6.79M, a 10.7% increase from 2Q25.
Loan portfolio reached Ps. 94,682M in 2Q26, up 13.1% year-over-year, with strong growth across all subsidiaries.
Net income for 1H26 was Ps. 4,847M, the highest first half in company history.
Operational efficiency improved, with operating expenses rising only 7.7%, below loan and revenue growth.
Modernization and digitalization efforts advanced, including 100% digital loan disbursements at ConCrédito.
Financial highlights
Interest income in 2Q26 was Ps. 12,967M, up 9.8% year-over-year; net interest income rose 13.9% to Ps. 11,100M.
Net income in 2Q26 was Ps. 2,353M, up 11.6% year-over-year; EPS reached Ps. 1.45, 8.5% higher than 2Q25.
NIM for 2Q26 was 41.2%; NIM after provisions was 28.5%.
Net fees in 2Q26 were Ps. 1,600M, up 14.2% year-over-year, mainly from insurance business growth.
Efficiency ratio improved to 64.5%, down 0.8 pp from 2Q25.
Outlook and guidance
EPS growth guidance for 2026 maintained at 13%-16%, with expected EPS of ~$5.88 to $6.03.
Loan portfolio growth guidance revised to 6%-9% for 2026, reflecting economic slowdown and stabilization of individual loan quality.
Double-digit growth expected to continue in ConCrédito and Banco Compartamos Perú; Banco Compartamos México to grow single digits.
NPLs expected to be around 4% and cost of risk around 13.5% by year-end.
Focus remains on disciplined execution, modernization, and prudent capital allocation.
- Record loan portfolio and net income, with strong growth and robust capital ratios.GENTERA
Q1 2026 - Record net income and loan portfolio growth, with double-digit gains and robust capital ratios.GENTERA
Q4 2025 - Record loan portfolio and net income, with strong asset quality and capital ratios.GENTERA
Q3 2025 - Record net income and loan growth, with raised EPS guidance and strong asset quality.GENTERA
Q2 2025 - Record loan portfolio and net income, strong growth in all segments, and solid risk management.GENTERA
Q3 2024 - Record loan and net income growth, strong capital, and high insurance sales offset higher risk.GENTERA
Q2 2024 - Record net income and double-digit loan growth highlight robust 1Q25 performance.GENTERA
Q1 2025 - Record loan and net income growth, with double-digit guidance and digital expansion for 2025.GENTERA
Q4 2024
Next Gentera earnings date
Next Gentera earnings date
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