Gentera. de (4FWA) Stock Overview

Provides various financial products and services in Mexico and Peru. More details

4FWA fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	3/6
Past Performance	3/6
Financial Health	3/6
Dividends	4/6

Rewards

Trading at 52.4% below our estimate of its fair value

Earnings are forecast to grow 10.4% per year

Earnings have grown 28.9% per year over the past 5 years

Analysts in good agreement that stock price will rise by 38.1%

Risk Analysis

Highly volatile share price over the past 3 months compared to the German market

Unstable dividend track record

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Gentera, S.A.B. de C.V. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Gentera. de
Historical stock prices
Current Share Price	Mex$1.89
52 Week High	Mex$2.16
52 Week Low	Mex$1.68
Beta	0.064
1 Month Change	3.34%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-8.68%

Recent updates

Shareholder Returns

	4FWA	DE Consumer Finance	DE Market
7D	1.4%	2.1%	0.5%
1Y	n/a	10.0%	-0.9%

Return vs Industry: Insufficient data to determine how 4FWA performed against the German Consumer Finance industry.

Return vs Market: Insufficient data to determine how 4FWA performed against the German Market.

Price Volatility

Is 4FWA's price volatile compared to industry and market?
4FWA volatility
4FWA Average Weekly Movement	15.2%
Consumer Finance Industry Average Movement	4.9%
Market Average Movement	5.3%
10% most volatile stocks in DE Market	12.5%
10% least volatile stocks in DE Market	2.6%

Stable Share Price: 4FWA's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine 4FWA's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1990	28,416	Enrique Majos Ramirez	www.gentera.com.mx

Gentera, S.A.B. de C.V. provides various financial products and services in Mexico and Peru. The company offers savings, insurance, and loans, including commercial, consumer, personal, as well as microcredits. It also provides insurance agent and payment channels; and financial operations, services payments, multilevel payments and airtime top-up services.

Gentera, S.A.B. de C.V. Fundamentals Summary

How do Gentera. de's earnings and revenue compare to its market cap?
4FWA fundamental statistics
Market cap	€3.15b
Earnings (TTM)	€429.49m
Revenue (TTM)	€1.88b

7.3x

P/E Ratio

1.7x

P/S Ratio

Is 4FWA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
4FWA income statement (TTM)
Revenue	Mex$0
Cost of Revenue	Mex$0
Gross Profit	Mex$0
Other Expenses	Mex$0
Earnings	Mex$0

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	5.41
Gross Margin	100.00%
Net Profit Margin	22.79%
Debt/Equity Ratio	122.7%

How did 4FWA perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

30%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/26 11:46
End of Day Share Price	2026/07/24 00:00
Earnings	2026/06/30
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Gentera, S.A.B. de C.V. is covered by 22 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Brian Morton	Barclays
Roberto de Aguiar Attuch	Barclays
Ernesto Gabilondo Márquez	BofA Global Research

Gentera, S.A.B. de C.V.DB:4FWA Stock Report