How does GENTERA *'s PE Ratio compare to its peers?

GENTERA * is good value based on its Price-To-Earnings Ratio (7.1x) compared to the peer average (28.6x).

How does GENTERA *'s PE Ratio compare vs other companies in the Global Consumer Finance Industry?

GENTERA * is good value based on its Price-To-Earnings Ratio (7.1x) compared to the Global Consumer Finance industry average (13.7x).

What is GENTERA *'s PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GENTERA * is good value based on its Price-To-Earnings Ratio (7.1x) compared to the estimated Fair Price-To-Earnings Ratio (10.8x).

What is the Fair Price of GENTERA * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

GENTERA * (MX$24.04) is trading below our estimate of [[fair value]] (MX$30.69)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

GENTERA * Stock Overview

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

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

Rewards

Trading at 21.7% below our estimate of its fair value

Earnings are forecast to grow 16.41% per year

Earnings grew by 21.3% over the past year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 30.5%

Risk Analysis

Volatile share price over the past 3 months compared to the MX market

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

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

Financiera Independencia. de SOFOM E.N.R

BMV:FINDEP *

Mex$2.5b

Grupo Profuturo. de

BMV:GPROFUT *

Mex$28.5b

Corporativo GBM. de

BMV:GBM O

Mex$15.9b

Bolsa Mexicana de Valores. de

BMV:BOLSA A

Mex$18.9b

Price History & Performance

Summary of share price highs, lows and changes for Gentera. de
Historical stock prices
Current Share Price	Mex$24.04
52 Week High	Mex$28.79
52 Week Low	Mex$20.03
Beta	1.02
1 Month Change	-8.38%
3 Month Change	9.82%
1 Year Change	4.11%
3 Year Change	82.95%
5 Year Change	21.78%
Change since IPO	-8.70%

Recent updates

Gentera, S.A.B. de C.V. (BMV:GENTERA) Released Earnings Last Week And Analysts Lifted Their Price Target To Mex$13.55

Mar 01

Is Gentera, S.A.B. de C.V. (BMV:GENTERA) Popular Amongst Institutions?

Feb 15

Gentera. de (BMV:GENTERA) Share Prices Have Dropped 72% In The Last Five Years

Dec 25

Shareholder Returns

	GENTERA *	MX Consumer Finance	MX Market
7D	-8.9%	-7.1%	-3.7%
1Y	4.1%	1.8%	-14.4%

Return vs Industry: GENTERA * underperformed the MX Consumer Finance industry which returned 5.9% over the past year.

Return vs Market: GENTERA * exceeded the MX Market which returned -12.6% over the past year.

Price Volatility

Is GENTERA *'s price volatile compared to industry and market?
GENTERA * volatility
GENTERA * Average Weekly Movement	4.9%
Consumer Finance Industry Average Movement	5.6%
Market Average Movement	4.1%
10% most volatile stocks in MX Market	6.0%
10% least volatile stocks in MX Market	2.6%

Stable Share Price: GENTERA *'s share price has been volatile over the past 3 months compared to the MX market.

Volatility Over Time: GENTERA *'s weekly volatility (5%) has been stable over the past year, but is still higher than 75% of MX stocks.

About the Company

Founded	Employees	CEO	Website
1990	26,654	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, personal loans, and insurance services. It also provides insurance agent services.

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

How do Gentera. de's earnings and revenue compare to its market cap?
GENTERA * fundamental statistics
Market cap	Mex$38.42b
Earnings (TTM)	Mex$5.37b
Revenue (TTM)	Mex$26.82b

7.1x

P/E Ratio

1.4x

P/S Ratio

Is GENTERA * overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GENTERA * income statement (TTM)
Revenue	Mex$26.82b
Cost of Revenue	Mex$0
Gross Profit	Mex$26.82b
Other Expenses	Mex$21.44b
Earnings	Mex$5.37b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.40
Gross Margin	100.00%
Net Profit Margin	20.04%
Debt/Equity Ratio	115.0%

How did GENTERA * perform over the long term?

See historical performance and comparison

Dividends

5.0%

Current Dividend Yield

26%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/19 05:36
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

Gentera, S.A.B. de C.V. is covered by 28 analysts. 10 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
Jean Bruny	BBVA Corporate and Investment Bank

GENTERA * Stock Overview

Rewards

Risk Analysis

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

BMV:FINDEP *

Mex$2.5b

BMV:GPROFUT *

Mex$28.5b

BMV:GBM O

Mex$15.9b

BMV:BOLSA A

Mex$18.9b

Price History & Performance

Recent News & Updates

Now 20% undervalued

New minor risk - Share price stability

Now 20% undervalued

Dividend of Mex$0.60 announced

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Now 20% undervalued

Recent updates

Now 20% undervalued

New minor risk - Share price stability

Now 20% undervalued

Dividend of Mex$0.60 announced

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Now 20% undervalued

Gentera, S.A.B. de C.V. to Report Q3, 2024 Results on Oct 23, 2024

Second quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

New minor risk - Share price stability

Now 22% undervalued after recent price drop

Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

Now 20% undervalued after recent price drop

Upcoming dividend of Mex$0.58 per share at 2.9% yield

Third quarter 2023 earnings: Revenues exceed analyst expectations

Gentera, S.A.B. de C.V. to Report Q3, 2023 Results on Oct 25, 2023

Second quarter 2023 earnings released

Do Gentera. de's (BMV:GENTERA) Earnings Warrant Your Attention?

Gentera, S.A.B. de C.V. to Report Q2, 2023 Results on Jul 26, 2023

First quarter 2023 earnings: EPS and revenues exceed analyst expectations

With EPS Growth And More, Gentera. de (BMV:GENTERA) Makes An Interesting Case

Full year 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

Is Now The Time To Put Gentera. de (BMV:GENTERA) On Your Watchlist?

Consensus EPS estimates increase by 12%

Third quarter 2022 earnings released: EPS: Mex$0.83 (vs Mex$0.53 in 3Q 2021)

Gentera, S.A.B. de C.V. Revises Financial Guidance for the Full Year of Fiscal 2022

Now 21% undervalued

Second quarter 2022 earnings: EPS and revenues exceed analyst expectations

Now 22% undervalued

Gentera, S.A.B. de C.V. to Report Q3, 2022 Results on Oct 26, 2022

Now 22% undervalued

Insufficient new directors

Now 21% undervalued

Price target increased to Mex$19.84

Insufficient new directors

First quarter 2022 earnings: EPS and revenues exceed analyst expectations

Full year 2021 earnings: EPS exceeds analyst expectations while revenues lag behind

Gentera, S.A.B. de C.V. to Report Q1, 2022 Results on Apr 27, 2022

Full year 2021 earnings: EPS exceeds analyst expectations while revenues lag behind

Price target increased to Mex$17.45

Gentera, S.A.B. de C.V. (BMV:GENTERA *) acquired additional 6.04% stake in ConCrédito.

Third quarter 2021 earnings released: EPS Mex$0.53 (vs Mex$1.26 loss in 3Q 2020)

First quarter 2021 earnings released: EPS Mex$0.20 (vs Mex$0.49 in 1Q 2020)

Full year 2020 earnings released: Mex$1.06 loss per share (vs Mex$2.11 profit in FY 2019)

Revenue beats expectations, earnings disappoint

Gentera, S.A.B. de C.V. (BMV:GENTERA) Released Earnings Last Week And Analysts Lifted Their Price Target To Mex$13.55

New 90-day high: Mex$10.64

Is Gentera, S.A.B. de C.V. (BMV:GENTERA) Popular Amongst Institutions?

Gentera. de (BMV:GENTERA) Share Prices Have Dropped 72% In The Last Five Years

Price target raised to Mex$12.45

New 90-day high: Mex$9.47

Third-quarter earnings released: Earnings miss expectations

New 90-day low: Mex$5.19

Third quarter earnings released

Price target lowered to Mex$12.31

Analysts update estimates

Analysts update estimates

Analysts update estimates

Price target lowered to Mex$13.71