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RA

Regional S.A.B. de C.V

RA · MX · Financial Services / Banks - Regional

157.36MXN-1.92 (-1.21%)

Price History

Full chart

Market Stats

Previous Close159.28
Open160.08
Day Range156.95 – 161.50
52-Week Range123.01 – 159.22
Volume694.11K
Market Cap36.66B
P/E (TTM)6.31
Forward P/E7.02
EPS21.79
Dividend Yield6.02%
Beta0.16
50-Day Avg139.25
200-Day Avg142.92

About

Regional S.A.B. de C.V. provides various banking products and services. It operates through the Wholesale, Retail Banking, and Leasing segments. The company offers loans for working capital or investment projects. It also provides financial services and products, such as loans, point-of-sale terminals, insurance products, and other products for small businesses and entrepreneurs, as well as credit cards, personal loans, and mortgages. In addition, the company offers financial leasing services for the acquisition of machinery and equipment, forklifts, computers, and auto fleets. Regional S.A.B. de C.V. was founded in 1994 and is based in San Pedro Garza Garcia, Mexico.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOLic. Manuel Gerardo Rivero Zambrano
  • Employees7.11K
  • HeadquartersAvenue Pedro Ramirez Vazquez No. 200 Tower 12, San Pedro Garza Garcia, NL, Mexico, 66278, Mexico
  • Websitehttps://www.regional.mx

Leadership

  • Lic. Manuel Gerardo Rivero ZambranoCEO & Director · b. 1980
  • Mr. Enrique Navarro RamírezCFO, Director of Finance & Planning and Secretary
  • Mr. Sanjuana Herrera Galvan C.P.C.Director of Administration & Sustainability
  • Mr. Alejandro Lobeira GálvezHead of Investor Relations
  • Lic. Héctor Cantú ReyesChief Banking Officer, VP & Director
  • Engineer Ricardo Vega GonzalezReal Estate Project Advisor & Director of SINCA

Financials

Income Statement

Currency: MXN2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.29B1.72B1.62B2.54B2.95B3.56B4.71B5.40B6.54B8.44B9.57B10.95B10.11B12.26B13.13B11.93B13.73B18.92B20.12B
Growth (%)-+32.97%-5.88%+57.39%+15.80%+20.90%+32.25%+14.56%+21.19%+28.95%+13.42%+14.43%-7.66%+21.30%+7.04%-9.11%+15.09%+37.82%+6.35%
Cost of Revenue---------------2.23B2.48B--
Gross Profit1.29B1.72B1.62B2.54B2.95B3.56B4.71B5.40B6.54B8.44B9.57B10.95B10.11B12.26B13.13B13.69B13.73B--
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%114.73%100.00%--
Operating Expense753.00M1.19B1.11B1.68B1.53B1.87B2.83B3.17B4.23B5.08B5.72B6.53B5.00B8.13B8.36B7.13B0--
Operating Income539.00M524.00M502.00M863.00M1.41B1.69B1.88B2.22B2.31B3.36B3.85B4.42B5.11B4.13B4.76B6.55B13.73B--
Operating Margin41.72%30.50%31.05%33.91%47.95%47.49%39.98%41.18%35.39%39.78%40.21%40.39%50.49%33.69%36.28%54.93%100.00%--
Net Income412.00M449.00M464.00M675.00M1.05B1.20B1.43B1.64B1.78B2.41B2.76B3.20B3.67B2.95B3.56B4.98B5.67B6.52B6.62B
Net Income Margin31.89%26.14%28.70%26.52%35.77%33.76%30.41%30.46%27.29%28.58%28.83%29.20%36.35%24.07%27.09%41.76%41.32%34.46%32.89%
Interest Expense2.30B2.97B2.16B2.55B3.36B3.29B3.02B2.72B2.45B2.82B5.18B7.07B8.76B7.74B5.99B10.65B16.35B14.82B13.89B
Interest Expense % of Total Revenue178.02%172.88%133.70%100.24%114.08%92.31%63.99%50.37%37.42%33.48%54.14%64.56%86.68%63.11%45.67%89.31%119.08%78.34%69.02%

Balance Sheet

Currency: MXN2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets41.47B39.36B44.23B52.01B65.85B78.85B94.92B99.59B104.28B102.63B112.97B128.22B141.90B149.95B167.54B219.99B227.43B248.01B277.42B
Total Liabilities38.78B36.23B40.71B47.90B59.58B71.59B87.00B90.03B93.27B89.56B97.56B110.56B122.21B127.76B143.13B194.75B199.13B215.60B240.99B
Total Equity2.69B3.11B3.51B4.12B6.27B7.26B7.92B9.55B11.02B13.07B15.40B17.67B19.69B22.19B24.41B25.24B28.30B32.41B36.44B
Cash1.66B2.56B2.38B2.75B2.80B2.15B1.99B2.51B3.02B4.54B7.47B9.04B7.32B11.65B12.19B8.68B7.73B11.24B11.09B
Total Debt4.29B4.38B3.01B6.72B3.40B3.57B3.22B11.44B12.77B10.86B11.69B9.12B11.35B9.69B8.88B8.91B8.02B--
Net Debt2.64B1.82B634.00M3.98B603.00M1.42B1.24B8.93B9.75B6.32B4.22B75.00M4.03B-1.96B-3.31B232.00M-7.73B--

Cash Flow

Currency: MXN2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow140.00M1.01B57.00M796.00M-1.55B420.00M497.00M729.00M982.00M2.11B3.58B-4.25B1.51B2.98B2.43B5.18B6.01B-9.89B
Investing Cash Flow----------171.00M-150.00M-344.00M-420.00M-116.95M-116.95M----
Financing Cash Flow755.00M-29.00M-50.00M-75.00M1.11B-183.00M-455.00M-31.00M-315.00M-386.00M-445.00M-1.09B-1.13B-121.00M-1.81B-4.29B-3.02B--
Capital Expenditure146.00M210.00M91.00M246.00M159.00M178.00M189.00M107.00M120.00M185.00M188.00M355.00M447.00M350.00M212.00M1.47B1.75B01.50B
Free Cash Flow-6.00M796.00M-34.00M550.00M-1.71B242.00M308.00M622.00M862.00M1.93B3.39B-4.60B1.07B2.63B2.21B3.71B4.26B-8.39B
Dividends Paid-30.00M50.00M75.00M185.00M180.00M443.00M-295.00M328.00M426.00M983.00M1.15B1.80B1.80B3.98B2.49B-2.60B
FCF to OCF-4.29%79.13%-59.65%69.10%110.23%57.62%61.97%85.32%87.78%91.25%94.75%108.36%70.48%88.27%91.26%71.61%70.93%-84.84%
Dividend Paid to FCF-3.77%-147.06%13.64%-10.79%74.38%143.83%-34.22%17.00%12.56%-21.36%107.40%68.25%81.21%107.17%58.34%-30.91%

Earnings

Report DateSep 30, 2011Dec 31, 2011Apr 23, 2012Jul 30, 2012Oct 22, 2012Jan 29, 2013Apr 22, 2013Jul 23, 2013Oct 29, 2013Jan 28, 2014Apr 29, 2014Jul 29, 2014Oct 27, 2014Mar 31, 2015Apr 27, 2015Jul 28, 2015Nov 18, 2015Jan 26, 2016Apr 4, 2016Jul 25, 2016Oct 25, 2016Jan 24, 2017Apr 24, 2017Jul 24, 2017Oct 23, 2017Jan 23, 2018Apr 23, 2018Jul 23, 2018Oct 21, 2018Jan 27, 2019Apr 29, 2019Jul 25, 2019Oct 28, 2019Feb 8, 2020Apr 27, 2020Jul 26, 2020Oct 26, 2020Jan 24, 2021Apr 28, 2021Aug 5, 2021Oct 24, 2021Jan 28, 2022Apr 24, 2022Jul 25, 2022Oct 24, 2022Jan 24, 2023Apr 29, 2023Jul 28, 2023Nov 20, 2023Feb 5, 2024Apr 21, 2024Jul 21, 2024Oct 29, 2024Jan 2, 2025Apr 27, 2025Jul 28, 2025Oct 26, 2025Jan 26, 2026Jun 2, 2026Jul 26, 2026Oct 26, 2026
EPS Estimate------------1.191.241.271.331.32-1.461.611.602.052.011.932.162.222.352.382.362.542.642.752.742.812.732.391.961.912.232.462.702.513.063.373.353.903.793.844.724.934.774.865.004.915.294.964.895.495.494.875.06
EPS Actual0.810.750.910.910.930.931.140.941.001.301.461.051.251.251.321.321.291.501.531.861.782.181.962.012.082.362.272.382.362.242.642.752.742.802.732.391.961.912.232.462.702.513.063.373.354.074.083.964.774.945.005.004.894.895.005.005.005.195.194.00-
Surprise------------5.04%0.81%3.88%-0.50%-2.28%-4.66%15.53%11.25%6.34%-2.49%4.15%-3.70%6.31%-3.40%0.00%0.00%-11.81%0.00%0.00%0.00%-0.36%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%4.36%7.65%3.13%1.06%0.20%4.82%2.88%-2.21%-0.41%-5.48%0.81%2.25%-5.43%-5.46%-17.86%-
Timing------------Pre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-market-After-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap36.66B
Enterprise Value75.77B
Trailing P/E6.31
Forward P/E7.02
Price / Sales2.15
Price / Book0.99
EPS21.79
Book Value101.56
Revenue (TTM)17.05B
Gross Profit (TTM)17.05B
Profit Margin37.46%
Operating Margin50.65%
Return on Equity17.71%
Return on Assets2.30%
Shares Outstanding266.61M
Shares Float372.74M
Beta0.16
Dividend Yield6.02%
Dividend Rate8.35
Payout Ratio43.09%

Dividends

20261×
5.00Apr 7, 2026
20252×
3.35Nov 26, 20254.60May 9, 2025
20242×
3.80Nov 27, 20243.80May 7, 2024
20232×
3.80Nov 27, 20233.80May 5, 2023
20221×
4.07Apr 8, 2022
20211×
5.50May 4, 2021
20191×
3.50Apr 8, 2019
20181×
3.00Apr 4, 2018
20171×
1.30May 5, 2017
20161×
1.00May 11, 2016
20151×
0.90May 8, 2015
20132×
0.70Dec 11, 20130.65May 7, 2013
20121×
0.55Mar 30, 2012