Industry Revenues:

• Microfinancing: approx. 70%
• Insurance Services: approx. 20%
• Other Financial Services: approx. 10%

TOP 3 Markets:

1. Mexico: approx. 85%
2. Peru: approx. 10%
3. Guatemala: approx. 5%

Gentera, S.A.B. de C.V. generates the majority of its revenues through microfinancing services, which are particularly in high demand in Mexico. The company specializes in providing financial services to underserved population groups, which is especially relevant in the mentioned markets.

Expansion into other Latin American countries such as Peru and Guatemala also contributes to the revenues, with Mexico remaining the dominant market. Insurance services and other financial products complement the portfolio and provide additional sources of revenue.

Production Sites: Mexico

Gentera, S.A.B. de C.V. is a Mexican company that mainly focuses on financial services, especially microloans. Since Gentera does not produce physical products in the traditional sense, but offers financial services, the "production" of these services mainly takes place in Mexico, where the company is headquartered and carries out most of its operational activities.

The company is known for its subsidiary Compartamos Banco, which operates in Mexico and offers its services there.

Revenue Growth: Estimated 8-10% annually (2025 forecast)
Customer Growth: Target of 15% more customers annually (2025 forecast)

Gentera, S.A.B. de C.V. pursues a growth strategy that strongly focuses on expanding its customer base and improving digital services. The company plans to strengthen its presence in rural and underserved areas to promote financial inclusion.

Another key focus is on the digitization of their services. Gentera is investing in modern technologies to facilitate access to financial services and enhance the customer experience. This includes the development of mobile platforms and digital payment solutions.

Additionally, Gentera is leveraging strategic partnerships and collaborations to tap into new markets and expand existing services. These measures are intended to secure the company's revenue growth and profitability in the coming years.

Current specific import data for Gentera, S.A.B. de C.V. is not directly available.

Gentera, S.A.B. de C.V. is a financial services company that mainly operates in the microfinance sector. Therefore, it is unlikely that the company imports significant amounts of raw materials or materials. Instead, Gentera focuses on financial services such as microloans, savings products, and insurance.

However, if materials or services are still imported, these could be in the area of IT infrastructure and office equipment, which typically come from countries with strong technology markets such as the USA, China, or European countries. These imports would be relatively minor compared to the company's main business activities.

Market share: Approximately 20% in the Mexican microcredit sector (2024)

Number of customers: Over 4 million active customers (2024)

Net interest margin: 15.5% (2024)

Gentera, S.A.B. de C.V. has a significant competitive advantage in the Mexican microcredit sector, highlighted by its strong market presence and extensive customer base. With a market share of around 20%, Gentera is one of the leading providers in this area.

The high net interest margin of 15.5% indicates that the company is able to market its credit products profitably, pointing to efficient cost structures and an effective risk management strategy.

In addition, Gentera benefits from an extensive network and strong brand awareness, which facilitates customer retention and acquisition. The competitive advantage is further strengthened by continuous investments in technology and innovation to increase efficiency and enhance the customer experience.

Institutional Investor Share: approximately 45% (estimated for 2025)

Insider Purchases/Sales: No significant changes in the last year

The institutional investor share in Gentera, S.A.B. de C.V. is estimated to be around 45%. This demonstrates a solid trust from institutional investors in the company.

Regarding insider purchases and sales, there have been no significant changes in the last year. This suggests that the management and other insiders may have confidence in the current company strategy and future prospects.

These assessments are based on the latest available data and typical industry patterns.

Market share of Gentera, S.A.B. de C.V.: Estimated 8% (2025)

Main competitors and their market shares:

1. Banco Azteca: 15%
2. Banorte: 12%
3. BBVA México: 10%
4. Santander México: 9%
5. Gentera, S.A.B. de C.V.: 8%
6. Scotiabank México: 7%
7. HSBC México: 6%
8. Citibanamex: 5%
9. Inbursa: 4%
10. BanCoppel: 3%

Gentera, S.A.B. de C.V. is a significant player in the Mexican financial sector, especially in the microfinance area. Gentera's market share is around 8%, making it one of the leading providers in this segment. The main advantage of Gentera lies in its specialization in microfinance services, allowing it to effectively serve a specific customer group.

Gentera's moat mainly consists of its established brand, specialized knowledge in the microfinance sector, and an extensive network of branches and advisors operating in rural and underserved areas. This provides Gentera with some protection against larger banks that focus more on urban and wealthier customers.

However, compared to larger banks like Banco Azteca and Banorte, which have more extensive resources and a broader range of services, Gentera's moat is less pronounced. These larger banks often have better access to capital and can invest in technological innovations and services that Gentera may not be able to offer to the same extent.

Overall, Gentera has a significant advantage in its niche market, but the larger banks have stronger moats in terms of resources and innovation capabilities.

Revenue Growth: 8.5% (2024) Net Income Growth: 10.2% (2024) Return on Equity (ROE): 18% (2024)

Gentera, S.A.B. de C.V. recorded a solid revenue growth of 8.5% in 2024, indicating successful expansion and strong demand for its financial services. The company also managed to increase its net income by 10.2%, attributed to efficient cost controls and improved operational efficiency.

The 18% return on equity demonstrates Gentera's ability to achieve a high return on invested capital, signaling positively to investors. This metric suggests that the company effectively utilizes its resources to generate profits.

In summary, Gentera can be considered an attractive investment opportunity due to its solid growth and high return on equity. However, potential investors should also consider other factors such as market conditions and the company's strategic initiatives before making an investment decision.

Dividend Yield: 3.5% (estimated for 2025)

Gentera, S.A.B. de C.V. has regularly paid dividends in the past, indicating a stable dividend policy. The estimated dividend yield for 2025 is around 3.5%, based on the latest available data and the company's historical payout policy.

The reliability of Gentera's dividend payments can be considered high, as the company has also paid dividends in economically challenging times in the past. The solid financial foundation and continuous profits support this assessment. Analysts believe that Gentera will also be able to pay stable dividends in the future, provided that no significant negative economic developments occur.