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Investor Relations14 Oct 2025
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Unifin Financiera (UNIFIN A) investor relations material
Unifin Financiera Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Achieved significant progress on strategic roadmap, with strong governance and compliance oversight from the Board and committees.
Origination volumes accelerated 30-40% month-over-month in Q2, with over 70% from new clients; NPL ratio at 0% for new originations since January 2025.
Collections on legacy portfolio remained above 90% monthly; continued restructuring and settlements with large debtors.
Cost discipline led to expenses running below budget, despite stable headcount and increased business activity.
Successfully met post-closing commitments under the Concurso Plan, including debt service and collaboration with NAFIN/Bancomext.
Financial highlights
Q2 2025 total income decreased 20% year-over-year to $578M MXN; H1 2025 income down 23% to $1,188M MXN.
Gross margin for Q2 2025 was -$23M MXN, down from $148M MXN in Q2 2024; H1 2025 gross margin down 59% year-over-year.
Net loss for Q2 2025 was $270M MXN, a 92% improvement from $3,401M MXN loss in Q2 2024; H1 2025 net loss was $1,204M MXN, down 83% year-over-year.
Operating expenses in Q2 2025 were $660M MXN, down 13% year-over-year; H1 2025 operating expenses down 17%.
Allowance for loan and lease losses in Q2 2025 was $548M MXN, down 81% year-over-year due to reserve methodology changes.
Extraordinary income of $718M MXN in Q2 2025 from liability reduction related to unsecured creditors and FCFR asset monetization.
Outlook and guidance
Strong pipeline for Q3 2025 with continued growth in pre-approved and approved lines.
Reinvestment in technology platforms planned for H2 2025 to enhance client experience and operational efficiency.
Management expects to maintain positive business momentum and further strengthen fundamentals.
How will the July 2025 financing impact new loans?
Explain financial statement comparability issues.
Analyze net profit/loss for each trust segment.
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Next Unifin Financiera earnings date
Q3 202520 Oct, 2025
Next Unifin Financiera earnings date
Q3 202520 Oct, 2025
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