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GFIN

Grupo Financiero Inbursa. deBMV:GFINBUR O Stock Report

Market Cap

Mex$132.7b

7D

0.6%

1Y

27.2%

Updated

26 Oct, 2021

Data

Company Financials +
GFINBUR O fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance4/6
Financial Health3/6
Dividends0/6

GFINBUR O Overview

Grupo Financiero Inbursa, S.A.B. de C.V. provides various financial products and services to individuals and businesses in Mexico.

Rewards

PE ratio (8.8x) is below the MX market (12.8x)

Revenue is forecast to grow 9.92% per year

Earnings grew by 13.9% over the past year

Risk Analysis

No risks detected for GFINBUR O from our risk checks.

Grupo Financiero Inbursa. de Competitors

Banco del Bajío Institución de Banca Múltiple

BMV:BBAJIO O

Mex$48.1b

Price History & Performance

Summary of all time highs, changes and price drops for Grupo Financiero Inbursa. de
Historical stock prices
Current Share PriceMex$20.89
52 Week HighMex$15.05
52 Week LowMex$21.60
Beta0.61
1 Month Change11.06%
3 Month Change4.92%
1 Year Change27.22%
3 Year Change-24.59%
5 Year Change-29.90%
Change since IPO367.69%

Recent News & Updates

Feb 11
A Look At Grupo Financiero Inbursa. de's (BMV:GFINBURO) Share Price Returns

A Look At Grupo Financiero Inbursa. de's (BMV:GFINBURO) Share Price Returns

For many, the main point of investing is to generate higher returns than the overall market. But the main game is to...

Shareholder Returns

GFINBUR OMX BanksMX Market
7D0.6%-1.2%-0.9%
1Y27.2%38.7%31.2%

Return vs Industry: GFINBUR O underperformed the MX Banks industry which returned 38.7% over the past year.

Return vs Market: GFINBUR O underperformed the MX Market which returned 31.2% over the past year.

Price Volatility

Is GFINBUR O's price volatile compared to industry and market?
GFINBUR O volatility
GFINBUR O Beta0.61
Industry Beta0.96
Market Beta1

Stable Share Price: GFINBUR O is less volatile than 75% of MX stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: GFINBUR O's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
198510,901Javier Foncerrada Izquierdohttps://www.inbursa.com

Grupo Financiero Inbursa, S.A.B. de C.V. provides various financial products and services to individuals and businesses in Mexico. The company offers mortgage, automotive, SME, and personal credits; accounts and investment products; credit cards; and car, lifetime, medical expenses, damage, and other insurance products. The company was formerly known as Promotora Carso SA de CV and changed its name to Grupo Financiero Inbursa, S.A.B. de C.V. in 1992.

Grupo Financiero Inbursa. de Fundamentals Summary

How do Grupo Financiero Inbursa. de's earnings and revenue compare to its market cap?
GFINBUR O fundamental statistics
Market CapMex$132.74b
Earnings (TTM)Mex$15.04b
Revenue (TTM)Mex$27.72b

8.8x

P/E Ratio

0.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
GFINBUR O income statement (TTM)
RevenueMex$27.72b
Cost of RevenueMex$0
Gross ProfitMex$27.72b
ExpensesMex$12.68b
EarningsMex$15.04b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.37
Gross Margin100.00%
Net Profit Margin54.26%
Debt/Equity Ratio82.1%

How did GFINBUR O perform over the long term?

See historical performance and comparison

Valuation

Is Grupo Financiero Inbursa. de undervalued compared to its fair value and its price relative to the market?

8.82x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: GFINBUR O (MX$20.89) is trading above our estimate of fair value (MX$10.73)

Significantly Below Fair Value: GFINBUR O is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: GFINBUR O is good value based on its PE Ratio (8.8x) compared to the MX Banks industry average (12.4x).

PE vs Market: GFINBUR O is good value based on its PE Ratio (8.8x) compared to the MX market (12.8x).


Price to Earnings Growth Ratio

PEG Ratio: GFINBUR O is poor value based on its PEG Ratio (1.3x)


Price to Book Ratio

PB vs Industry: GFINBUR O is good value based on its PB Ratio (0.8x) compared to the MX Banks industry average (1.3x).


Future Growth

How is Grupo Financiero Inbursa. de forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?

6.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: GFINBUR O's forecast earnings growth (6.8% per year) is below the savings rate (7.1%).

Earnings vs Market: GFINBUR O's earnings (6.8% per year) are forecast to grow slower than the MX market (10.8% per year).

High Growth Earnings: GFINBUR O's earnings are forecast to grow, but not significantly.

Revenue vs Market: GFINBUR O's revenue (9.9% per year) is forecast to grow faster than the MX market (5.1% per year).

High Growth Revenue: GFINBUR O's revenue (9.9% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: GFINBUR O's Return on Equity is forecast to be low in 3 years time (10.1%).


Past Performance

How has Grupo Financiero Inbursa. de performed over the past 5 years?

-0.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: GFINBUR O has high quality earnings.

Growing Profit Margin: GFINBUR O's current net profit margins (54.3%) are higher than last year (46%).


Past Earnings Growth Analysis

Earnings Trend: GFINBUR O's earnings have declined by 0.1% per year over the past 5 years.

Accelerating Growth: GFINBUR O's earnings growth over the past year (13.9%) exceeds its 5-year average (-0.1% per year).

Earnings vs Industry: GFINBUR O earnings growth over the past year (13.9%) exceeded the Banks industry -7.8%.


Return on Equity

High ROE: GFINBUR O's Return on Equity (9.2%) is considered low.


Financial Health

How is Grupo Financiero Inbursa. de's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: GFINBUR O's Assets to Equity ratio (3.4x) is low.

Allowance for Bad Loans: GFINBUR O has a sufficient allowance for bad loans (193%).

Low Risk Liabilities: 53% of GFINBUR O's liabilities are made up of primarily higher risk sources of funding.

Loan Level: GFINBUR O has an appropriate level of Loans to Assets ratio (43%).

Low Risk Deposits: GFINBUR O's Loans to Deposits ratio (130%) is high.

Level of Bad Loans: GFINBUR O has a high level of bad loans (2.1%).


Dividend

What is Grupo Financiero Inbursa. de current dividend yield, its reliability and sustainability?

4.52%

Forecast Dividend Yield


Dividend Yield vs Market

Notable Dividend: Unable to evaluate GFINBUR O's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate GFINBUR O's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if GFINBUR O's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if GFINBUR O's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: GFINBUR O is not paying a notable dividend for the MX market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of GFINBUR O's dividend in 3 years as they are not forecast to pay a notable one for the MX market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

13.5yrs

Average board tenure


CEO

Javier Foncerrada Izquierdo (67 yo)

9.5yrs

Tenure

Lic. Javier Foncerrada Izquierdo serves as General Manager at Banco Inbursa, SA, Institución de Banca Múltiple, Grupo Financiero Inbursa and served as its Director-General. He has been General Director of...


Board Members

Experienced Board: GFINBUR O's board of directors are seasoned and experienced ( 13.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Grupo Financiero Inbursa, S.A.B. de C.V.'s employee growth, exchange listings and data sources


Key Information

  • Name: Grupo Financiero Inbursa, S.A.B. de C.V.
  • Ticker: GFINBUR O
  • Exchange: BMV
  • Founded: 1985
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: Mex$132.740b
  • Shares outstanding: 6.35b
  • Website: https://www.inbursa.com

Number of Employees


Location

  • Grupo Financiero Inbursa, S.A.B. de C.V.
  • Av. Paseo de las Palmas 750
  • Col. Lomas de Chapiltepec III Sección
  • Mexico City
  • Distrito Federal
  • 11000
  • Mexico

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/26 22:30
End of Day Share Price2021/10/26 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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 here.