Gentera. de Valuation
Is GENTERA * undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
6/6Valuation Score 6/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of GENTERA * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: GENTERA * (MX$25.09) is trading below our estimate of fair value (MX$32.07)
Significantly Below Fair Value: GENTERA * is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for GENTERA *?
Key metric: As GENTERA * is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is GENTERA *'s PE Ratio? | |
|---|---|
| PE Ratio | 7.4x |
| Earnings | Mex$5.37b |
| Market Cap | Mex$40.76b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 0.5x |
Price to Earnings Ratio vs Peers
How does GENTERA *'s PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 30.6x | ||
FINDEP * Financiera Independencia. de SOFOM E.N.R | 3.2x | n/a | Mex$2.5b |
GBM O Corporativo GBM. de | 99.7x | n/a | Mex$17.5b |
GPROFUT * Grupo Profuturo. de | 7.7x | n/a | Mex$27.1b |
BOLSA A Bolsa Mexicana de Valores. de | 11.8x | 3.8% | Mex$18.5b |
GENTERA * Gentera. de | 7.4x | 15.7% | Mex$40.8b |
Price-To-Earnings vs Peers: GENTERA * is good value based on its Price-To-Earnings Ratio (7.4x) compared to the peer average (30.6x).
Price to Earnings Ratio vs Industry
How does GENTERA *'s PE Ratio compare vs other companies in the Global Consumer Finance Industry?
| 7 Companies | Price / Earnings | Estimated Growth | Market Cap |
|---|---|---|---|
| 7 Companies | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Earnings vs Industry: GENTERA * is good value based on its Price-To-Earnings Ratio (7.4x) compared to the Global Consumer Finance industry average (13.4x).
Price to Earnings Ratio vs Fair Ratio
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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 7.4x |
| Fair PE Ratio | 10.8x |
Price-To-Earnings vs Fair Ratio: GENTERA * is good value based on its Price-To-Earnings Ratio (7.4x) compared to the estimated Fair Price-To-Earnings Ratio (10.8x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | Mex$25.09 | Mex$30.84 +22.9% | 10.3% | Mex$36.00 | Mex$25.00 | n/a | 14 |
| Nov ’25 | Mex$25.31 | Mex$29.84 +17.9% | 10.0% | Mex$36.00 | Mex$25.00 | n/a | 14 |
| Oct ’25 | Mex$22.00 | Mex$29.98 +36.3% | 11.0% | Mex$36.00 | Mex$25.00 | n/a | 14 |
| Sep ’25 | Mex$21.10 | Mex$30.26 +43.4% | 11.8% | Mex$36.00 | Mex$25.00 | n/a | 14 |
| Aug ’25 | Mex$21.70 | Mex$30.26 +39.5% | 11.8% | Mex$36.00 | Mex$25.00 | n/a | 14 |
| Jul ’25 | Mex$23.42 | Mex$30.91 +32.0% | 10.8% | Mex$36.00 | Mex$25.00 | n/a | 14 |
| Jun ’25 | Mex$26.33 | Mex$31.62 +20.1% | 8.0% | Mex$36.00 | Mex$27.00 | n/a | 14 |
| May ’25 | Mex$27.47 | Mex$31.75 +15.6% | 8.1% | Mex$36.00 | Mex$27.00 | n/a | 13 |
| Apr ’25 | Mex$27.72 | Mex$29.79 +7.5% | 10.5% | Mex$36.00 | Mex$24.00 | n/a | 14 |
| Mar ’25 | Mex$25.42 | Mex$29.00 +14.1% | 9.7% | Mex$33.00 | Mex$24.00 | n/a | 13 |
| Feb ’25 | Mex$23.32 | Mex$28.18 +20.9% | 10.0% | Mex$32.90 | Mex$24.00 | n/a | 12 |
| Jan ’25 | Mex$23.58 | Mex$27.43 +16.3% | 10.0% | Mex$32.90 | Mex$24.00 | n/a | 12 |
| Dec ’24 | Mex$20.65 | Mex$26.87 +30.1% | 9.0% | Mex$30.10 | Mex$22.00 | n/a | 12 |
| Nov ’24 | Mex$19.45 | Mex$27.12 +39.4% | 9.1% | Mex$30.10 | Mex$22.00 | Mex$25.31 | 12 |
| Oct ’24 | Mex$20.46 | Mex$26.57 +29.9% | 9.0% | Mex$30.00 | Mex$22.00 | Mex$22.00 | 13 |
| Sep ’24 | Mex$21.03 | Mex$26.31 +25.1% | 9.6% | Mex$30.00 | Mex$21.00 | Mex$21.10 | 14 |
| Aug ’24 | Mex$20.62 | Mex$26.42 +28.1% | 9.9% | Mex$30.00 | Mex$21.00 | Mex$21.70 | 13 |
| Jul ’24 | Mex$18.35 | Mex$25.89 +41.1% | 9.2% | Mex$30.00 | Mex$21.00 | Mex$23.42 | 14 |
| Jun ’24 | Mex$18.48 | Mex$26.17 +41.6% | 7.6% | Mex$30.00 | Mex$24.00 | Mex$26.33 | 14 |
| May ’24 | Mex$19.78 | Mex$26.17 +32.3% | 7.7% | Mex$30.00 | Mex$23.00 | Mex$27.47 | 14 |
| Apr ’24 | Mex$19.76 | Mex$26.46 +33.9% | 8.6% | Mex$30.00 | Mex$22.00 | Mex$27.72 | 14 |
| Mar ’24 | Mex$19.41 | Mex$26.31 +35.6% | 8.6% | Mex$30.00 | Mex$22.00 | Mex$25.42 | 14 |
| Feb ’24 | Mex$22.83 | Mex$26.10 +14.3% | 10.1% | Mex$31.00 | Mex$22.00 | Mex$23.32 | 14 |
| Jan ’24 | Mex$21.94 | Mex$25.31 +15.4% | 10.9% | Mex$31.00 | Mex$20.00 | Mex$23.58 | 14 |
| Dec ’23 | Mex$20.47 | Mex$24.26 +18.5% | 13.1% | Mex$31.00 | Mex$16.50 | Mex$20.65 | 15 |
| Nov ’23 | Mex$20.49 | Mex$23.79 +16.1% | 13.8% | Mex$31.00 | Mex$16.50 | Mex$19.45 | 15 |
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
Discover undervalued companies
Unifin Financiera S. A. B. de C. V
Mex$622.9m
Unifin Financiera, S. A. B. de C. V. operates as a leasing company in Mexico.
UNIFIN A
Mex$1.20
7D
0%
1Y
-93.3%
International Money Express
US$658.4m
Operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia.
IMXI *
US$430.00
7D
0%
1Y
n/a
Western Union
US$3.6b
Provides money movement and payment services worldwide.
WU *
US$222.00
7D
0%
1Y
n/a