Gentera S.A.B. de C.V

GENTERA · MX · Financial Services / Credit Services

36.55MXN-1.23 (-3.26%)

Price History

Full chart

Market Stats

Previous Close37.78

Open37.17

Day Range36.28 – 37.55

52-Week Range35.55 – 53.76

Volume2.73M

Market Cap57.23B

P/E (TTM)6.78

Forward P/E7.69

EPS5.47

Dividend Yield4.86%

Beta0.05

50-Day Avg38.98

200-Day Avg44.17

About

Gentera, S.A.B. de C.V. provides financial services to microentrepreneurs in Mexico and Peru. It offers savings, credit, insurance, and payment channels to entrepreneurs. The company was formerly known as Financiera Compartamos, S.A. B. de C. V. Gentera. S.A.B. de C.V. was founded in 1990 and is based in Mexico City, Mexico.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOEngineer Enrique Majos Ramirez
Employees28.42K
HeadquartersInsurgentes Sur 1458, Mexico City, DF, Mexico, 03230, Mexico
Websitehttps://www.gentera.com.mx

Leadership

Mr. Carlos Antonio Danel CendoyaChairman & President · b. 1971
Engineer Enrique Majos RamirezChief Executive Officer · b. 1972
Lic. Mario Ignacio Langarica AvilaChief Financial Officer
Mr. Enrique Barrera FloresInvestor Relations Officer
Mr. Francisco Gandarillas GonzálezDirector of Internal Control & Compliance
Mr. Alejandro Puente BarrónExecutive Director of Institutional Relations and Sustainability
Marcela Morandeira SantamariaHead of the Unit for Integral Risk Management
Mr. Manuel De La Fuente MoralesSecretary
Mr. Marco Antonio Guadarrama Villalobos C.P.C.Controller

Financials

Income Statement

Currency: MXN	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	168.70M	7.92B	10.15B	12.70B	14.68B	14.81B	19.70B	20.45B	20.34B	21.74B	17.99B	22.61B	27.32B	31.10B	39.03B	48.36B
Growth (%)	-	+4597.58%	+28.05%	+25.16%	+15.58%	+0.91%	+33.02%	+3.76%	-0.51%	+6.87%	-17.26%	+25.70%	+20.84%	+13.83%	+25.50%	+23.91%
Cost of Revenue	-	-	-	0	0	0	0	0	0	-	-	-	-	-	-	-
Gross Profit	-	-	-	10.28B	12.17B	14.81B	16.12B	16.67B	17.59B	18.41B	-	-	-	-	-	-
Gross Margin	-	-	-	80.94%	82.90%	100.00%	81.81%	81.52%	86.50%	84.68%	-	-	-	-	-	-
Operating Expense	-	-	-	5.95B	7.12B	10.07B	11.09B	12.52B	13.60B	13.69B	-	-	-	-	-	-
Operating Income	74.45M	3.48B	3.79B	4.33B	5.05B	4.75B	5.03B	4.15B	4.00B	4.72B	-	-	-	-	-	-
Operating Margin	44.13%	43.90%	37.37%	34.09%	34.39%	32.05%	25.53%	20.30%	19.65%	21.72%	-	-	-	-	-	-
Net Income	51.59M	1.94B	2.01B	2.26B	3.13B	3.15B	3.39B	2.90B	2.96B	3.27B	-1.59B	2.35B	4.55B	4.72B	6.00B	8.22B
Net Income Margin	30.58%	24.53%	19.81%	17.83%	21.29%	21.26%	17.20%	14.21%	14.58%	15.07%	-8.85%	10.38%	16.67%	15.18%	15.39%	16.99%
Interest Expense	0	0	0	0	0	0	0	0	1.71B	2.08B	2.30B	1.97B	3.45B	5.65B	7.30B	7.90B
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.43%	9.56%	12.81%	8.70%	12.62%	18.16%	18.70%	16.34%

Balance Sheet

Currency: MXN	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	11.23B	17.56B	22.83B	25.36B	30.54B	36.51B	43.75B	43.68B	51.59B	56.64B	68.95B	70.27B	74.95B	86.62B	106.83B	120.51B
Total Liabilities	5.68B	10.18B	14.19B	16.42B	18.48B	23.01B	27.82B	26.87B	33.51B	36.12B	46.67B	45.44B	49.44B	58.73B	73.31B	84.48B
Total Equity	5.39B	7.20B	8.46B	8.77B	11.82B	13.47B	15.88B	16.72B	18.03B	20.46B	18.88B	21.23B	23.58B	25.73B	31.10B	35.61B
Cash	731.99M	415.00M	1.26B	894.00M	1.50B	1.83B	3.68B	4.13B	6.70B	4.67B	12.89B	5.25B	7.04B	6.81B	7.45B	11.74B
Net Debt	-	-	-	-	-	-	-	12.13B	13.84B	15.07B	13.69B	18.71B	8.42B	16.85B	20.54B	18.53B

Cash Flow

Currency: MXN	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-	-	-	1.06B	513.00M	1.32B	1.97B	222.00M	4.21B	-3.13B	7.47B	-7.47B	1.19B	-2.49B	4.26B	9.96B
Investing Cash Flow	-	-	-	-866.00M	-493.00M	-1.16B	-629.00M	-1.25B	-2.60B	-382.54M	677.00M	-602.00M	-3.22B	-	-	-
Financing Cash Flow	-	-	-	-439.00M	894.00M	-42.00M	1.16B	790.00M	268.00M	2.67B	2.24B	3.11B	273.11M	-	-	-
Capital Expenditure	0	0	0	531.00M	214.00M	478.00M	633.00M	578.00M	275.00M	304.71M	140.00M	279.00M	394.87M	872.16M	993.00M	1.15B
Free Cash Flow	-	-	-	-	-	-	-	1.20B	5.46B	-272.00M	9.47B	-5.14B	1.05B	-3.36B	3.26B	8.81B
Dividends Paid	-	-	-	1.71B	1.24B	1.24B	1.25B	1.25B	1.08B	593.00M	938.80M	938.80M	938.80M	1.82B	1.89B	2.40B
FCF to OCF	-	-	-	-	-	-	-	541.89%	129.61%	8.68%	126.82%	68.73%	88.01%	135.07%	76.67%	88.45%
Dividend Paid to FCF	-	-	-	-	-	-	-	103.99%	19.84%	-218.01%	9.91%	-18.28%	89.49%	-54.22%	57.89%	27.26%

Earnings

Report Date	Apr 26, 2011	Jul 21, 2011	Oct 24, 2011	Feb 27, 2012	Apr 26, 2012	Jul 24, 2012	Oct 26, 2012	Feb 28, 2013	Apr 26, 2013	Jul 23, 2013	Oct 24, 2013	Feb 25, 2014	Apr 29, 2014	Jul 28, 2014	Oct 28, 2014	Feb 24, 2015	Apr 27, 2015	Jul 28, 2015	Oct 27, 2015	Feb 23, 2016	Apr 27, 2016	Jul 26, 2016	Oct 24, 2016	Feb 23, 2017	Apr 23, 2017	Jul 27, 2017	Oct 24, 2017	Feb 26, 2018	Apr 25, 2018	Jul 23, 2018	Oct 25, 2018	Feb 26, 2019	Apr 24, 2019	Jul 25, 2019	Oct 23, 2019	Feb 26, 2020	Apr 29, 2020	Jul 23, 2020	Oct 27, 2020	Feb 23, 2021	Apr 28, 2021	Jul 22, 2021	Oct 27, 2021	Feb 23, 2022	Apr 27, 2022	Jul 27, 2022	Oct 26, 2022	Feb 22, 2023	Apr 26, 2023	Jul 26, 2023	Oct 24, 2023	Feb 21, 2024	Apr 24, 2024	Jul 24, 2024	Oct 23, 2024	Feb 26, 2025	Apr 23, 2025	Jul 23, 2025	Oct 21, 2025	Feb 25, 2026	Apr 23, 2026	Jul 22, 2026	Oct 21, 2026
EPS Estimate	0.30	0.32	0.72	0.33	-	0.30	0.30	-	0.34	0.33	0.35	-	0.38	0.39	0.46	0.45	0.43	0.42	0.50	0.52	0.53	0.53	0.58	0.50	0.57	0.55	0.48	0.37	0.42	0.40	0.43	0.44	0.48	0.48	0.50	0.51	0.55	0.43	-0.21	-0.22	0.14	0.19	0.31	0.34	0.53	0.64	0.61	0.66	0.73	0.73	0.75	0.78	0.84	0.85	0.89	1.00	1.14	1.16	1.25	1.25	1.44	1.43	1.46
EPS Actual	0.29	0.29	0.72	0.28	0.30	0.24	0.32	0.35	0.34	0.30	0.32	0.45	0.37	0.41	0.44	0.40	0.38	0.39	0.54	0.53	0.55	0.56	0.56	0.33	0.62	0.49	0.46	0.23	0.45	0.51	0.46	0.44	0.51	0.45	0.60	0.53	0.49	-0.45	-1.26	0.16	0.20	0.37	0.53	0.53	0.62	0.78	0.95	0.53	0.81	0.68	0.79	0.72	0.89	0.75	1.04	1.12	1.33	1.33	1.33	1.21	2.00	1.45	-
Surprise	-3.33%	-9.38%	0.00%	-15.15%	-	-20.00%	6.67%	-	0.00%	-9.09%	-8.57%	-	-2.63%	5.13%	-4.35%	-11.11%	-11.63%	-7.14%	8.00%	2.10%	3.77%	5.66%	-3.45%	-34.00%	8.77%	-10.91%	-4.17%	-37.84%	7.14%	27.50%	6.98%	0.00%	6.25%	-6.25%	20.00%	3.92%	-10.91%	-204.65%	-500.00%	172.73%	42.86%	94.74%	70.97%	55.88%	16.98%	21.88%	55.74%	-19.70%	10.96%	-6.85%	5.33%	-7.69%	5.95%	-11.76%	16.85%	12.00%	16.67%	14.66%	6.40%	-3.20%	38.89%	1.40%	-
Timing	Pre-market	Pre-market	After-hours	After-hours	-	After-hours	After-hours	-	After-hours	After-hours	After-hours	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap57.23B

Enterprise Value96.27B

Trailing P/E6.78

Forward P/E7.69

PEG Ratio0.59

Price / Sales1.14

Price / Book1.58

EPS5.47

Book Value23.27

Revenue (TTM)38.26B

Gross Profit (TTM)38.26B

Profit Margin22.78%

Operating Margin35.52%

Return on Equity26.15%

Return on Assets7.82%

Shares Outstanding1.58B

Shares Float1.58B

Beta0.05

Dividend Yield4.86%

Dividend Rate1.80

Payout Ratio30.06%

Dividends

20262×

1.04Nov 12, 20261.04Apr 22, 2026

20252×

0.76Nov 19, 20250.76May 15, 2025

20242×

0.60Nov 13, 20240.60May 10, 2024

20232×

0.58Nov 15, 20230.58Apr 25, 2023

20222×

0.30Nov 18, 20220.30May 11, 2022

20191×

0.37Jul 29, 2019

20182×

0.34Nov 27, 20180.34Jun 26, 2018

20172×

0.38Nov 28, 20170.39Jun 28, 2017

20161×

0.77May 10, 2016

20151×

0.76May 12, 2015

20141×

1.10Oct 3, 2014

20132×

0.56Dec 20, 20130.48May 20, 2013

20121×

0.30May 18, 2012

20111×

0.25May 13, 2011