Gentera (GENTERA) Q2 2026 earnings summary

Executive summary

• Achieved record net income of Ps. 2,353M in 2Q26, up 11.6% year-over-year, with total users of financial services reaching 6.79M, a 10.7% increase from 2Q25.

• Portfolio grew 13.1% year-over-year to Ps. 94,682M, with strong growth across all subsidiaries.

• Operational efficiency improved, with operating expenses rising only 7.7%, below loan portfolio growth and original expectations.

• Complementary businesses ATERNA and YASTAS showed strong growth in insurance policies and transaction volumes.

• Maintained robust profitability with ROE at 25.0% and NIM at 41.2%.

Financial highlights

• Net income for 2Q26 was Ps. 2,353M, up 11.6% year-over-year; controlling company net income was Ps. 2,284M, up 8.5%.

• Total loan portfolio reached Ps. 94,682M, a 13.1% increase from 2Q25.

• Interest income in 2Q26 was Ps. 12,967M, up 9.8% year-over-year; net interest income rose 13.9%.

• NPL ratio rose to 4.04%, up 0.72 pp year-over-year.

• Efficiency ratio improved to 64.5%, down 0.8 pp from 2Q25.

Outlook and guidance

• EPS guidance for 2026 maintained at ~$5.88 to $6.03, implying 13–16% growth.

• Loan portfolio growth for full year expected at 6.0% to 9.0%.

• Continued focus on digitalization, operational efficiency, and prudent capital allocation to sustain growth and profitability.