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Grupo Financiero Inbursa, S.A. (GFINBURO) Fair Value & Analysis

Financial Services · MX · Market cap 254B MXN

GF Grupo Financiero Inbursa, S.A. GFINBURO · MX
Price42.03 MXN
Fair Value64.86 MXN
Upside+54.3%
Quality55/100
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Healthy Growth
Highly profitable · 57.1% net margin
Low debt · generates free cash flow
Ranks above peers (9/13)
Wide moat 69/100
Evidence: High Range 48.64 MXN – 81.07 MXN Share as image

Fair value as of: Aug 13, 2026

From 6 valuation models · updated yesterday

Fair value updated Aug 13, 2026, revised from 66.34 MXN to 64.86 MXN (−2.2%) since Jul 17, 2026. Share price +0.8% over the past month.

A solid business, screening 54% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (48.64 MXN). The market is more pessimistic than our downside scenario.
  • Solid quality (55/100) 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.
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Price vs Fair Value (5 years)

52.84 MXN 16.86 MXN Fair Value 64.86 MXN Apr 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range 16.86 MXN – 52.84 MXN · fair‑value band 48.64 MXN – 81.07 MXN · the 42.03 MXN price screens below the 64.86 MXN fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Grupo Financiero Inbursa, S.A. (GFINBURO) currently trades at 42.03 MXN, while our model-based Fair Value estimate is 64.86 MXN, implying the stock looks roughly 54.3% undervalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Grupo Financiero Inbursa, S.A. generated revenue of 53.1B MXN at a net margin of 57.1%. Revenue declined 2.8% year over year. It earns a return on equity of 11.1%. Net debt stands at 1.1B MXN. Fundamentals as of Aug 13, 2026

Our scenario range runs from 48.64 MXN (bear case) to 81.07 MXN (bull case); at 42.03 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 19% below its 52-week high and 6% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at 54%, GFINBURO screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income 42.33 MXN 49.63 MXN 103.67 MXN 76
Gordon GGM 9.66 MXN 21.09 MXN 35.49 MXN 70
P/E Multiple 49.75 MXN 66.34 MXN 82.92 MXN 63
All 6 models by family
Dividend Discount
Gordon GGM 9.66 MXN 21.09 MXN 35.49 MXN 70
DDM Multi-Stage 9.66 MXN 17.28 MXN 21.98 MXN 61
Multiples
P/E Multiple 49.75 MXN 66.34 MXN 82.92 MXN 63
P/B Multiple 48.47 MXN 64.62 MXN 80.78 MXN 55
Asset-Based
NCAV (Graham) 23.08 MXN 30.93 MXN 46.16 MXN 50
Economic Profit
Residual Income 42.33 MXN 49.63 MXN 103.67 MXN 76

Widest divergence: Multiples (64.62 MXN) versus Dividend Discount (17.28 MXN). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) 53.1B MXN
Revenue growth (YoY) -2.8%
Net margin 57.1%
Return on equity 11.1%
Free cash flow 21.3B MXN FY2025
P/E ratio 8.2
More key figures
Operating margin 71.7%
EPS (TTM) 5.10 MXN
Net debt 1.1B MXN FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 55/100

Of which business quality 53 · Market factors (momentum, volatility) 46

Profitability 38
Margins and returns on capital today
Quality Growth 30
Are margins and returns improving?
Cashflow 77
Earnings quality: real cash, not paper profit
Fin. Strength 36
Balance sheet, leverage, solvency risk
Investment 58
Disciplined investing over empire-building
Low Volatility 90
Calm price path (market factor)
Momentum 32
Price trend over the last 3–12 months (market factor)
52W Momentum 18
Distance to the 52-week high (market factor)
Net Issuance 87
Buybacks instead of dilution

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.

About the company

Grupo Financiero Inbursa, S.A.B. de C.V. provides various financial products and services to individuals and businesses in Mexico. The company offers personal, business, and investment accounts; investment funds; personal, mortgage, SME, and auto loans; financing and payroll services; credit cards; as well as insurance products.

Full company description

Grupo Financiero Inbursa, S.A.B. de C.V. provides various financial products and services to individuals and businesses in Mexico. The company offers personal, business, and investment accounts; investment funds; personal, mortgage, SME, and auto loans; financing and payroll services; credit cards; as well as insurance products. It also provides online and mobile banking, and other services. Grupo Financiero Inbursa, S.A.B. de C.V. was founded in 1985 and is headquartered in Mexico City, Mexico.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Grupo Financiero Inbursa, S.A. reported revenue of 83.3B MXN in FY2025 versus 47.8B MXN in FY2021, a compound +14.9%/yr. Reported net income was 30.9B MXN in FY2025, compounding +10.2%/yr from FY2021.

Growth Quality 91/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
83.3B MXN
Latest YoY
+0.8%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+16.1%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+12.1%
Avg. growth/yr (25Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+8.9%
Revenue +14.9%/yr
FY21 47.8B MXN
FY22 53.2B MXN
FY23 73.3B MXN
FY24 82.6B MXN
FY25 83.3B MXN
Net income +10.2%/yr
FY21 20.9B MXN
FY22 24.5B MXN
FY23 31.0B MXN
FY24 34.3B MXN
FY25 30.9B MXN

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Cite: Fair Value Calculator (2026). "Grupo Financiero Inbursa, S.A. Fair Value". https://www.fairvalue-calculator.com/stock/GFINBURO

Peer Group

Banks - Regional · 1086 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.

Quality Score 56 · Above median
Fair Value upside +54% · Top 25%
Return on equity (TTM) 11% · Above median
Return on assets 4% · Top 25%
Net margin (TTM) 57% · Top 25%
Operating margin (TTM) 72% · Top 25%
Revenue growth -3% · Bottom 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Debt / equity 0.31× · Higher than median

Valuation Multiples vs Banks - Regional median · lower = cheaper

P/E (TTM) 8.2× · Cheaper than 75% of peers
P/B 0.91× · Cheaper than median
P/S (TTM) 4.78× · Pricier than 75% of peers
P/FCF 0.7× · Cheaper than median

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.

VALUE 100 · sector 33
FUTURE 0 · sector 44
PAST 44 · sector 41
HEALTH 84 · sector 85
DIVIDEND 0 · sector 49

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
PT Bank Central Asia Tbk BBCA 6,350 IDR 4,637 IDR -27%
KB Financial Group 105560 168,100 KRW 220,258 KRW +31%
PT Bank Rakyat Indonesia (Persero) Tbk BBRI 3,110 IDR 3,792 IDR +22%
PT Bank Mandiri (Persero) Tbk BMRI 4,130 IDR 6,067 IDR +47%
Banco Bradesco S.A BBD 5,120 ARS 8,400 ARS +64%
Shinhan Financial Group 055550 103,800 KRW 146,032 KRW +41%
Hana Financial Group 086790 127,900 KRW 210,506 KRW +65%
Lloyds Banking Group LYG 4,138 ARS 8,275 ARS +100%
Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB 59,500 VND 45,959 VND -23%
Woori Financial Group 316140 33,000 KRW 60,758 KRW +84%

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Frequently asked questions

Is Grupo Financiero Inbursa, S.A. (GFINBURO) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of 64.86 MXN versus a price of 42.03 MXN, about +54% (undervalued).
What is the fair value of GFINBURO?
Our model-based fair value for Grupo Financiero Inbursa, S.A. is 64.86 MXN (as of Aug 13, 2026), built from audited fundamentals. The current price is 42.03 MXN.
What is the quality score of GFINBURO?
Grupo Financiero Inbursa, S.A. has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Grupo Financiero Inbursa, S.A. (GFINBURO)?
Grupo Financiero Inbursa, S.A. reported trailing-twelve-month revenue of about 53.1B MXN (latest available figure, as of Aug 13, 2026).
What is the net profit margin of GFINBURO?
The net profit margin of Grupo Financiero Inbursa, S.A. is about 57.1%, meaning it keeps roughly 57.1% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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