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Quálitas Controladora S.A.B (Q) investor relations material
Quálitas Controladora S.A.B Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Written premiums grew 7.3% in Q3 and 10.7% year to date, reflecting resilient growth and strategic focus.
Net income increased 51.4% in Q3 and 40.3% year to date, with a 12-month ROE of 26.7%.
Combined ratio improved to 93.0% in Q3 and 91.3% year to date, outperforming long-term targets.
Announced leadership transition: Bernardo Risoul to become CEO in 2026, with current CEO moving to Executive President.
Insured units reached a record 6.1 million, up 7.9% year-over-year.
Significant events and developments
Mexican Congress introduced a VAT amendment affecting insurance claims, eliminating past liabilities but requiring a one-time 2025 impact and higher ongoing claim costs from 2026.
The one-time VAT impact for 2025 is estimated at MXN 2–2.3 billion in net income, pending final regulatory approval.
Strategic partnership in the U.S. to focus on cross-border business and reduce risk exposure.
Reserve release of $460 million in Q3 due to stable premium growth and lower claims.
Share buyback fund of $800 million pesos remains, with 5.4 million shares in treasury.
Financial highlights
Earned premiums rose 16.2% in Q3 and 14.8% year to date.
Net income reached MXN 1.7 billion in Q3 and MXN 5.3 billion year to date, with net margins of 10% and 9.9%.
Comprehensive financial income was MXN 1.1 billion in Q3 and MXN 3.9 billion year to date, with ROI of 7.6% in Q3 and 8.9% year to date.
Regulatory capital at MXN 6 billion, solvency margin of MXN 18 billion, and solvency ratio of 401%.
EPS (12M) reached $16.6.
VAT impact: How to offset higher claim costs?
US cross-border partnership: ROE impact?
CEO/President split: Strategic implications?
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Next Quálitas Controladora S.A.B earnings date
Q4 202530 Jan, 2026
Next Quálitas Controladora S.A.B earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Quálitas Controladora S.A.B. de C.V. is a Mexico-based holding company primarily engaged in the automotive insurance sector. It provides insurance solutions tailored to car fleet owners, financial institutions, and individual customers. Through its multiple segments, including Written Premiums, Ceded Premium, Unearned Premiums Reserve, and Earned Retained Premiums, Quálitas offers comprehensive coverage options. The company operates not only in Mexico but also extends its services internationally, including the United States, El Salvador, and Costa Rica, through subsidiaries such as Qualitas Compania de Seguros SAB de CV and Qualitas Financial Services Inc, among others. The company is headquartered in Mexico City, Mexico, and its shares are listed on the Mexican Stock Exchange.
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