Gentera (GENTERA) Q3 2025 earnings summary

Executive summary

• Achieved record loan portfolio of Ps. 87,793 million, up 16.4% year-over-year, serving 6.36 million people across Mexico and Peru.

• Net income for 3Q25 reached Ps. 2,156 million, a 23.3% increase year-over-year; nine-month net income at Ps. 6,485 million, up 42.6%.

• Maintained strong asset quality with NPL ratio at 3.43% and coverage ratio at 236.2%.

• Cash and investments at Ps. 15,318 million, reflecting sound liquidity.

Financial highlights

• Interest income for 3Q25 was Ps. 12,421 million, up 21.7% year-over-year; net interest income after provisions rose 26.4%.

• Commissions and fee income grew 29.5% to Ps. 1,520 million, driven by insurance sales.

• Operating expenses increased 25.3% year-over-year, mainly due to higher personnel and strategic initiatives.

• ROE for 3Q25 stood at 25.5%, up from 23.6% in 3Q24; ROA at 7.7%.

Outlook and guidance

• Management expects continued growth, supported by digital transformation, prudent risk management, and strong fundamentals.

• Asset quality remains stable, with NPL ratio below 4% target.