Gentera S.A.B. de C.V (GENTERA) Fair Value & Analysis
Financial Services · MX · Market cap 62.3B MXN (≈ $3.7B) · ISIN MX01GE0E0004
What is Gentera S.A.B. de C.V really worth?
A solid business, trading 42% below our fair value of 67.63 MXN.
Strengths
Risks
Fair value as of: Aug 19, 2026
From 13 valuation models · updated 17 days ago
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (50.72 MXN). The market is more pessimistic than our downside scenario.
- The model range is unusually wide (50.72 MXN to 204.15 MXN). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.
How to read this chart
60‑month range 8.61 MXN – 53.31 MXN · fair‑value band 50.72 MXN – 204.15 MXN · the 39.44 MXN price screens below the 67.63 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.
Analysis
Gentera S.A.B. de C.V (GENTERA) currently trades at 39.44 MXN, while our model-based Fair Value estimate is 67.63 MXN, implying the stock looks roughly 41.7% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of 157.69 MXN per share, and 9 of the 13 models we run sit above the 39.44 MXN price. Bear case: the Asset-Based group reads lowest at 15.11 MXN, and 4 of the 13 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Gentera S.A.B. de C.V generated revenue of 37.5B MXN at a net margin of 22.8%. Revenue grew 11.2% year over year. It earns a return on equity of 23.9%. Net debt stands at 18.5B MXN. Fundamentals as of Aug 19, 2026
Our scenario range runs from 50.72 MXN (bear case) to 204.15 MXN (bull case); at 39.44 MXN, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 27% below its 52-week high and 10% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at 71%, GENTERA screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 4.12 MXN per share, which is 6.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Earnings-Based (157.69 MXN) versus Asset-Based (15.11 MXN). Highest evidence: Growth DCF (75).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 39
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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. The company was formerly known as Financiera Compartamos, S.A. B. de C. V. Gentera, S.A.B. de C.V. was founded in 1990 and is based in Mexico City, Mexico.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Gentera S.A.B. de C.V reported revenue of 48.4B MXN in FY2025 versus 22.6B MXN in FY2021, a compound +20.9%/yr. Reported net income was 8.2B MXN in FY2025, compounding +36.8%/yr from FY2021.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Gentera SAB de CV (CMPRF) Q2 2026 Earnings Call Highlights: Strong Growth Amid Economic Challenges
- Gentera SAB de CV (CMPRF) Q1 2026 Earnings Call Highlights: Strong Growth Amidst Competitive ...
Peer Group
Credit Services · 324 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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