Stock GENTERA * GENTERA, S.A.B. DE C.V.
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Financials Gentera, S.A.B. de C.V.

Equities

GENTERA *

MX01GE0E0004

Consumer Lending

End-of-day quote Mexican S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
28.29 MXN +5.25% Intraday chart for Gentera, S.A.B. de C.V. +8.81% +19.97%
Apr. 24 Gentera, S.A.B. de C.V. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Feb. 21 Gentera, S.A.B. de C.V. Reports Earnings Results for the Fourth Quarter Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 30,975 15,447 20,924 34,725 37,239 44,677 - -
Enterprise Value (EV) 1 43,006 24,806 31,432 34,725 37,239 73,043 75,313 78,358
P/E ratio 9.42 x -9.7 x 8.91 x 7.62 x 7.89 x 8.05 x 6.81 x 6.09 x
Yield 1.9% - - - - 4.32% 5.4% 6.71%
Capitalization / Revenue 1.49 x 0.91 x 1.02 x 1.31 x 1.22 x 1.26 x 1.11 x 0.98 x
EV / Revenue 2.07 x 1.45 x 1.53 x 1.31 x 1.22 x 2.07 x 1.87 x 1.71 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.48 x 0.82 x 0.99 x 1.47 x - 1.53 x 1.34 x 1.21 x
Nbr of stocks (in thousands) 1,590,894 1,587,594 1,587,594 1,582,744 1,579,244 1,579,244 - -
Reference price 2 19.47 9.730 13.18 21.94 23.58 28.29 28.29 28.29
Announcement Date 2/26/20 2/24/21 2/23/22 2/22/23 2/21/24 - - -
1MXN in Million2MXN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 20,733 17,050 20,478 26,574 30,560 35,353 40,354 45,717
EBITDA - - - - - - - -
EBIT 1 4,571 -2,482 3,831 6,313 7,059 8,454 9,801 11,953
Operating Margin 22.05% -14.56% 18.71% 23.76% 23.1% 23.91% 24.29% 26.15%
Earnings before Tax (EBT) 1 4,770 -2,403 3,814 6,295 7,059 8,267 10,054 11,695
Net income 1 3,275 -1,592 2,347 4,554 4,722 5,539 6,633 7,597
Net margin 15.8% -9.34% 11.46% 17.14% 15.45% 15.67% 16.44% 16.62%
EPS 2 2.066 -1.003 1.480 2.880 2.990 3.514 4.155 4.643
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.3700 - - - - 1.222 1.526 1.897
Announcement Date 2/26/20 2/24/21 2/23/22 2/22/23 2/21/24 - - -
1MXN in Million2MXN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 5,101 5,648 6,358 6,626 6,873 6,717 7,267 7,253 7,787 8,253 8,431 8,784 9,257 9,727 9,800
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1,089 1,140 1,540 1,785 1,784 1,204 1,857 1,651 1,907 1,644 2,163 2,103 2,181 2,164 2,368
Operating Margin 21.35% 20.18% 24.22% 26.94% 25.96% 17.92% 25.55% 22.76% 24.49% 19.92% 25.66% 23.94% 23.56% 22.25% 24.16%
Earnings before Tax (EBT) 1 1,084 1,134 1,539 1,778 1,776 1,202 1,857 1,651 1,907 1,644 2,163 2,079 2,229 2,246 2,423
Net income 1 590 843 977 1,238 1,501 838 1,280 1,071 1,240 1,131 1,412 1,386 1,465 1,480 1,576
Net margin 11.57% 14.93% 15.37% 18.68% 21.84% 12.48% 17.61% 14.77% 15.92% 13.7% 16.75% 15.78% 15.83% 15.22% 16.08%
EPS 2 0.3700 0.5300 0.6150 0.7800 0.9480 0.5370 0.8100 0.6800 0.7850 0.7150 0.8900 0.8774 0.9272 0.9369 0.9980
Dividend per Share 2 - - - - - - - - - - - 0.8690 - 0.3900 -
Announcement Date 10/27/21 2/23/22 4/27/22 7/27/22 10/26/22 2/22/23 4/26/23 7/26/23 10/25/23 2/21/24 4/24/24 - - - -
1MXN in Million2MXN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 12,031 9,359 10,508 - - 28,367 30,636 33,681
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 17.1% -7.5% 11.3% 18.4% - 20.1% 21.1% 21.3%
ROA (Net income/ Total Assets) 6.1% -2.4% 3.8% 6.4% - 5.5% 6.31% 6.98%
Assets 1 53,689 66,333 61,766 71,156 - 100,705 105,143 108,771
Book Value Per Share 2 13.10 11.90 13.40 14.90 - 18.50 21.00 23.40
Cash Flow per Share 0.1200 4.630 -2.880 1.330 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/26/20 2/24/21 2/23/22 2/22/23 2/21/24 - - -
1MXN in Million2MXN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

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

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
13
Last Close Price
28.29 MXN
Average target price
31.75 MXN
Spread / Average Target
+12.22%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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