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

OTCPK:CMPR.F Stock Report

Market Cap: US$1.9b

Gentera. de Valuation

Is CMPR.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • 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 CMPR.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CMPR.F ($1.36) is trading below our estimate of fair value ($2.46)

Significantly Below Fair Value: CMPR.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CMPR.F?

Key metric: As CMPR.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CMPR.F. This is calculated by dividing CMPR.F's market cap by their current earnings.
What is CMPR.F's PE Ratio?
PE Ratio7.4x
EarningsMex$5.37b
Market CapMex$39.50b

Price to Earnings Ratio vs Peers

How does CMPR.F's PE Ratio compare to its peers?

The above table shows the PE ratio for CMPR.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average17.3x
FINV FinVolution Group
5.3x11.8%US$1.6b
LC LendingClub
36x52.7%US$1.9b
PRG PROG Holdings
12.6x-0.2%US$2.0b
ENVA Enova International
15.5x23.9%US$2.7b
CMPR.F Gentera. de
7.4x15.7%US$39.5b

Price-To-Earnings vs Peers: CMPR.F is good value based on its Price-To-Earnings Ratio (7.4x) compared to the peer average (17.3x).

Price to Earnings Ratio vs Industry

How does CMPR.F's PE Ratio compare vs other companies in the US Consumer Finance Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.6xn/aUS$421.63m
XYF X Financial
1.8xn/aUS$311.46m
JFIN Jiayin Group
2xn/aUS$311.30m
No more companies available in this PE range
CMPR.F 7.4xIndustry Avg. 12.4xNo. of Companies4PE0816243240+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CMPR.F is good value based on its Price-To-Earnings Ratio (7.4x) compared to the US Consumer Finance industry average (12.4x).

Price to Earnings Ratio vs Fair Ratio

What is CMPR.F'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.

CMPR.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.4x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CMPR.F's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

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

The above table shows the analyst CMPR.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
US$1.51
0%
10.3%US$1.76US$1.22n/a14
Nov ’25n/a
US$1.49
0%
10.0%US$1.80US$1.25n/a14
Oct ’25n/a
US$1.56
0%
11.0%US$1.87US$1.30n/a14
Sep ’25n/a
US$1.61
0%
11.8%US$1.92US$1.33n/a14
Aug ’25US$1.19
US$1.61
+36.1%
11.8%US$1.92US$1.33n/a14
Jul ’25n/a
US$1.69
0%
10.8%US$1.97US$1.37n/a14
Jun ’25n/a
US$1.89
0%
8.0%US$2.16US$1.62n/a14
May ’25n/a
US$1.86
0%
8.1%US$2.11US$1.58n/a13
Apr ’25n/a
US$1.79
0%
10.5%US$2.16US$1.44n/a14
Mar ’25n/a
US$1.70
0%
9.7%US$1.93US$1.41n/a13
Feb ’25n/a
US$1.64
0%
10.0%US$1.91US$1.39n/a12
Jan ’25n/a
US$1.62
0%
10.0%US$1.95US$1.42n/a12
Dec ’24n/a
US$1.50
0%
9.0%US$1.68US$1.23n/a12
Nov ’24n/a
US$1.50
0%
9.1%US$1.67US$1.22n/a12
Oct ’24n/a
US$1.52
0%
9.0%US$1.71US$1.25n/a13
Sep ’24n/a
US$1.54
0%
9.6%US$1.76US$1.23n/a14
Aug ’24US$1.22
US$1.58
+29.3%
9.9%US$1.79US$1.25US$1.1913
Jul ’24n/a
US$1.51
0%
9.2%US$1.75US$1.23n/a14
Jun ’24n/a
US$1.49
0%
7.6%US$1.71US$1.36n/a14
May ’24n/a
US$1.46
0%
7.7%US$1.67US$1.28n/a14
Apr ’24n/a
US$1.41
0%
8.6%US$1.59US$1.17n/a14
Mar ’24n/a
US$1.43
0%
8.6%US$1.63US$1.20n/a14
Feb ’24n/a
US$1.38
0%
10.1%US$1.64US$1.17n/a14
Jan ’24n/a
US$1.28
0%
10.9%US$1.57US$1.01n/a14
Dec ’23n/a
US$1.25
0%
13.1%US$1.60US$0.85n/a15
Nov ’23n/a
US$1.20
0%
13.8%US$1.57US$0.83n/a15

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

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