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Grupo Financiero Inbursa
Grupo Financiero Inbursa (GFINBUR O) investor relations material
Grupo Financiero Inbursa Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary3 Feb, 2026
Executive summary
Net income for 2025 was $31,323 million, down 9.1% year-over-year, mainly due to non-recurring factors, despite solid operational performance.
Financial margin increased 4.4% year-over-year, driven by higher average loan portfolio and resilient credit risk costs.
Total loan portfolio grew 4.5% year-over-year, with commercial and consumer loans both contributing to the increase.
Retail loans rose 13.9% year-over-year, with credit cards up 6.0% and auto loans up 11.7%.
Capitalization ratio stood at 23.6% at year-end, well above regulatory minimums.
Financial highlights
Net income: $31,323 million in 2025 vs. $34,464 million in 2024 (-9.1% YoY).
Financial margin: $49,399 million in 2025 vs. $47,295 million in 2024 (+4.4% YoY).
Total loan portfolio: $516,158 million in 2025 vs. $493,911 million in 2024 (+4.5% YoY).
Operating efficiency: 17.4% at year-end 2025.
Equity: $282,460 million in 2025, up 8.1% year-over-year.
Outlook and guidance
Credit portfolio quality remains resilient, with a non-performing loan ratio of 1.50%.
The company expects continued solid liquidity and solvency, with a capitalization ratio well above regulatory requirements.
Quantify non-recurring impact on 2025 net income?
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Consumer credit deterioration vs. portfolio resilience
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Latest events from Grupo Financiero Inbursa
- Net income fell 5.6% year-over-year, but capital and digital growth remain strong.GFINBUR O
Q3 20255 Dec 2025 - Net income up 5.8% YoY, strong loan growth, high digitalization, and robust capital ratios.GFINBUR OQ2 20255 Dec 2025
- Net income surged 22.5% year-over-year, fueled by loan growth and digital transformation.GFINBUR OQ3 202413 Jun 2025
- Net income up 16% year-over-year, with strong loan growth and robust capital ratios.GFINBUR OQ2 202413 Jun 2025
- Q1 2025 net income reached 7,904 million pesos, reflecting strong financial performance.GFINBUR OQ1 20256 Jun 2025
- Net income up 11.2% YoY, loan portfolio up 36.4%, CET1 at 22.69%.GFINBUR OQ4 20246 Jun 2025
Next Grupo Financiero Inbursa earnings date
Q1 202624 Apr, 2026
Grupo Financiero Inbursa
Next Grupo Financiero Inbursa earnings date
Q1 202624 Apr, 2026
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