Gentera (GENTERA) Q3 2025 earnings summary

Executive summary

• Served over 6.36 million clients in 3Q25, up 11.4% year-over-year, and celebrated a 35th anniversary, highlighting a legacy of financial inclusion and sustainable growth.

• Achieved record loan portfolio of Ps. 87,793 million, up 16.4% year-over-year, with strong growth in 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%.

• Diversified revenue base, with insurance products contributing 11% of total income and a shift toward multi-product offerings.

• Transformation strategy includes over 300 strategic initiatives, notably digital platform rollouts improving productivity by 20% in individual credit operations.

Financial highlights

• Loan portfolio reached Ps. 87,793 million, up 16.4% year-over-year; client base grew 11.4% to 6.36 million.

• Accumulated interest income for nine months was Ps. 35 billion, up 21.1% year-over-year; net interest income grew 24.3%.

• Net income for Q3 2025 was Ps. 2,156 million, up 23.3% year-over-year; EPS for Q3 2025 was Ps. 1.33, 27.5% above Q3 2024.

• ROE for Q3 2025 was 25.5%; for the nine-month period, 25.9%.

• Efficiency ratio improved to 65.1%, and NIM after provisions for Q3 2025 was 30.6%.

Outlook and guidance

• Expect to close 2025 at the high end of EPS guidance (Ps. 5.15, up 36% from 2024) and maintain double-digit growth in both loan book and EPS for 2026.

• Guidance for consolidated loan portfolio growth is around 15% for 2025.

• NIM expected around 40% for 2025, with NIM after provisions at 30%.

• Cost of risk expected to end 2025 at 12.5%, better than the original 13% guidance.

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