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Grupo Financiero Inbursa (GFINBUR O) investor relations material
Grupo Financiero Inbursa 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
Net income for the first nine months of 2025 was $24,121 million pesos, down 5.6% year-over-year, mainly due to lower other operational income and higher loan loss reserves despite a 7.1% increase in financial margin.
Efficiency ratio remained strong at 17.7%, supporting competitive positioning and cost control.
Digital transformation advanced, with 95% of transactions and 98.8% of new contracts conducted digitally in September 2025.
Financial highlights
Financial margin rose to $36,776 million pesos, up 7.1% year-over-year, driven by higher loan volumes and asset quality.
Loan loss reserves increased 53.6% to $5,085 million pesos, reflecting consumer loan portfolio deterioration.
Retail deposits grew 15.1% year-over-year to $410,164 million pesos.
Stockholders' equity increased 9.7% to $275,290 million pesos.
Outlook and guidance
Strong capital and liquidity positions (CET1 ratio 23.44%, LCR 397.9%) enable continued loan growth and digital expansion.
Integration of Cetelem and digitalization expected to further improve efficiency and client value.
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Next Grupo Financiero Inbursa earnings date
Q4 202523 Jan, 2026
Next Grupo Financiero Inbursa earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Grupo Financiero Inbursa S.A.B. de C.V. is a Mexico-based financial services holding company engaged in banking, insurance, investment, and asset management activities. The company offers a wide range of financial products and services, including personal and commercial loans, savings and checking accounts, insurance policies, mutual funds, and retirement plans. It serves individuals, businesses, and institutional clients through a network of branches and digital platforms. The company also operates in brokerage and leasing services. Grupo Financiero Inbursa S.A.B. de C.V. is headquartered in Mexico City, Mexico, and its shares are listed on the BMV.
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