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Financiera Independencia S.A.B. de C.V. SOFOM E.N.R

Financiera Independencia S.A.B. de C.V. SOFOM E.N.R

FINDEP · MX · Financial Services / Credit Services

5.50MXN+0.03 (+0.55%)

Price History

Full chart

Market Stats

Previous Close5.47
Open5.50
Day Range5.50 – 5.50
52-Week Range6.25 – 8.40
Volume901
Market Cap2.12B
P/E (TTM)3.11
Forward P/E26.25
EPS2.02
Dividend Yield14.49%
Beta0.27
50-Day Avg6.69
200-Day Avg7.88

About

Financiera Independencia S.A.B. de C.V. SOFOM E.N.R. grants loans for the consumption of goods and services in Mexico. Its loan portfolio includes revolving and non-revolving consumer loans and microcredits. The company was incorporated in 1993 and is based in Mexico City, Mexico.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOEngineer Eduardo Bernhart Messmacher Henríquez
  • Employees3.89K
  • HeadquartersProlongación Paseo de la Reforma 600, Mexico City, Mexico, 01210, Mexico
  • Websitehttps://www.findep.mx

Leadership

  • Engineer Eduardo Bernhart Messmacher HenríquezCEO, General Director & Director · b. 1972
  • Engineer Jose Maria Cid MichavilaCFO and Corporate Director of Finance & Investor Relations · b. 1968
  • Mr. Francisco José Vazquez VazquezSecretary and Corporate Legal & Regulatory Director · b. 1979
  • Ms. María Teresa Garza GuerraCorporative Director of the Human Resources Department · b. 1969
  • Mr. Adrian Orocio BarretoChief Comptroller Officer

Financials

Income Statement

Currency: MXN2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue655.02M1.00B1.81B2.65B3.49B3.91B4.59B5.35B6.04B5.64B5.86B3.56B4.86B4.93B4.97B5.13B4.83B4.21B4.87B4.91B5.04B4.97B
Growth (%)-+53.36%+80.53%+46.36%+31.42%+12.04%+17.37%+16.69%+12.78%-6.52%+3.86%-39.27%+36.46%+1.45%+0.84%+3.15%-5.81%-12.77%+15.64%+0.77%+2.70%-1.41%
Cost of Revenue---------1.04B704.98M719.07M753.30M719.69M784.42M81.40M------
Gross Profit---------2.54B2.94B2.84B2.89B2.78B2.78B3.71B------
Gross Margin---------44.99%50.07%79.80%59.47%56.48%55.96%72.38%------
Operating Expense---------1.49B1.82B2.56B2.57B2.48B2.43B3.26B------
Operating Income451.71M658.89M705.67M909.24M1.07B980.91M1.06B1.03B599.07M1.05B1.11B283.51M317.37M300.64M354.23M451.41M------
Operating Margin68.96%65.59%38.91%34.26%30.79%25.10%23.16%19.18%9.92%18.65%19.01%7.96%6.53%6.10%7.13%8.81%------
Net Income---516.01M622.92M515.22M451.67M185.84M-254.11M317.98M209.04M234.00M225.45M262.06M323.95M-412.65M346.90M625.04M709.99M804.41M611.47M
Net Income Margin---19.44%17.86%13.18%9.85%3.47%-4.50%5.43%5.87%4.82%4.57%5.27%6.32%-8.55%8.24%12.83%14.47%15.96%12.30%
Interest Expense00000000000000757.73M806.76M729.92M526.78M577.15M623.27M602.84M596.13M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%15.25%15.74%15.12%12.51%11.85%12.70%11.96%12.00%

Balance Sheet

Currency: MXN2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.20B2.48B3.73B5.39B5.95B8.68B11.03B10.06B10.29B11.11B11.82B12.16B12.20B12.25B12.52B10.63B10.60B11.69B10.56B11.67B11.37B
Total Liabilities1.44B1.48B1.57B3.98B4.09B5.73B7.97B7.20B7.20B7.60B8.06B8.11B7.98B8.00B8.20B6.58B6.14B6.95B5.24B5.41B5.91B
Total Equity762.97M1.01B2.16B1.40B1.86B2.95B3.04B2.85B3.08B3.50B3.76B4.05B4.22B4.25B4.32B4.05B4.45B4.74B5.31B6.26B5.46B
Cash206.52M139.50M243.13M343.86M498.89M855.67M641.24M382.47M510.99M463.89M599.94M600.88M359.51M435.12M452.53M858.94M466.93M1.06B748.81M1.11B1.33B
Net Debt------------7.00B6.96B7.11B5.05B4.94B4.59B3.13B2.91B3.28B

Cash Flow

Currency: MXN2007-12-312008-12-312009-12-312010-12-312011-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-----244.17M86.03M151.82M-7.55M7.85M52.26M148.66M461.38M-316.55M858.55M662.86M647.27M2.17B
Investing Cash Flow------103.11M-134.92M-11.11M-13.25M-187.00M69.45M-105.83M-66.31M-59.31M30.42M---
Financing Cash Flow------12.54M1.78M-4.65M-10.78M-55.21M-29.60M-7.75M-8.15M-9.09M-249.80M---
Capital Expenditure0000063.98M87.22M81.87M109.03M63.28M53.67M89.16M34.28M23.92M51.50M102.60M113.56M240.34M
Free Cash Flow----------55.43M-1.41M59.50M427.10M-340.47M755.12M560.25M533.71M1.93B
Dividends Paid-----------------1.25B
FCF to OCF----------706.33%-2.70%40.03%92.57%107.56%87.95%84.52%82.46%88.90%
Dividend Paid to FCF-----------------64.91%

Earnings

Report DateFeb 21, 2008Aug 7, 2008Feb 26, 2009Apr 22, 2010Jul 28, 2010Oct 15, 2010Feb 24, 2011Apr 14, 2011Jul 27, 2011Oct 25, 2011Feb 23, 2012Apr 26, 2012Jul 26, 2012Oct 25, 2012Feb 25, 2013Apr 22, 2013Jul 24, 2013Oct 22, 2013Feb 20, 2014Apr 10, 2014Jul 24, 2014Oct 23, 2014Feb 19, 2015Apr 23, 2015Jul 21, 2015Oct 22, 2015Feb 18, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Feb 23, 2017Apr 27, 2017Jul 27, 2017Oct 26, 2017Feb 16, 2018Apr 20, 2018Jul 19, 2018Oct 10, 2018Feb 15, 2019Apr 25, 2019Jul 24, 2019Oct 17, 2019Feb 13, 2020Apr 16, 2020Jul 29, 2020Oct 22, 2020Feb 18, 2021Apr 23, 2021Jul 22, 2021Oct 29, 2021Feb 24, 2022Apr 21, 2022Jul 28, 2022Oct 20, 2022Feb 24, 2023Apr 20, 2023Jul 26, 2023Oct 27, 2023Apr 29, 2024Jul 24, 2024Nov 18, 2024Feb 20, 2025Apr 29, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
EPS Estimate0.430.540.35----0.240.320.400.06---------------------------------------------------------
EPS Actual0.400.340.280.400.400.320.180.250.160.050.060.10-0.110.02-0.410.140.160.180.370.280.180.220.230.170.110.180.130.150.110.230.180.190.190.170.100.080.260.230.220.180.280.240.310.21-0.17-0.09-1.280.340.360.36-0.030.480.490.500.570.550.540.540.530.570.640.800.520.430.490.510.440.49
Surprise-6.98%-37.04%-20.00%----4.17%-50.00%-87.50%0.00%---------------------------------------------------------
TimingAfter-hoursAfter-hoursPre-market----Pre-marketPre-marketPre-marketPre-market----------Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-market---After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursAfter-hours-----------Pre-market---Pre-market-----

Key Statistics & Ratios

Market Cap2.12B
Enterprise Value5.53B
Trailing P/E3.11
Forward P/E26.25
PEG Ratio0.00
Price / Sales0.62
Price / Book0.40
EPS2.02
Book Value17.37
Revenue (TTM)3.44B
Gross Profit (TTM)807.98M
Profit Margin16.96%
Operating Margin24.08%
Return on Equity10.97%
Return on Assets5.14%
Shares Outstanding337.50M
Shares Float211.81M
Beta0.27
Dividend Yield14.49%
Dividend Rate0.91
Payout Ratio47.20%

Dividends

20261×
0.91May 14, 2026
20251×
3.71May 9, 2025
20111×
0.14Mar 10, 2011
20102×
0.14Dec 10, 20100.14Sep 24, 2010
20092×
0.39Jan 30, 20090.20Jan 29, 2009
20083×
0.39Oct 31, 20080.36Aug 1, 20080.36May 9, 2008

Stock Splits

  • Nov 8, 20191:2
  • Jan 25, 20101203:1202
  • Dec 29, 2009405:391