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Investor Relations14 Oct 2025
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Gentera (GENTERA) investor relations material
Gentera Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Achieved historic Q2 2025 results with net income of Ps. 2,108 million, up 63.2% year-over-year, and a record loan portfolio of Ps. 83,739 million, up 21.6% year-over-year, serving 5.99 million clients.
Transformation initiatives and digitalization since 2019 have driven compounded annual net income growth of over 14% in five years.
Strong performance across all subsidiaries, especially in Mexico and Peru, with robust growth in client base and product offerings.
Maintained a solid capital position with Capital/Total Assets at 29.3%.
Completed acquisition of remaining 25% of ConCrédito.
Financial highlights
Interest income for Q2 2025 was Ps. 11,805 million, up 21.8% year-over-year; net interest margin at 40.9%.
Net income for Q2 2025 was Ps. 2,108 million, a 63% increase year-over-year; EPS at $1.33, up 77%.
Six-month net income reached Ps. 4,329 million, the highest in company history.
Net fees and commissions rose 39.6% to Ps. 1,410 million, mainly from insurance business.
Efficiency ratio improved to 65.3% from 70.9% in 2Q24.
Outlook and guidance
EPS guidance for 2025 raised to $5.00–$5.15; loan portfolio growth guidance maintained at 13–16%.
NIM expected to close the year around 41%; cost of risk revised down to 12.5% from 13%.
ROE for the year expected around 24%.
Management confident in sustainable growth and continued digital transformation.
Double-digit portfolio growth opportunity identified, with continued expansion in Mexico and Peru.
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Q3 202523 Oct, 2025
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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@theshortbearx.com
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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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