Gentera SAB de CV (OTCPK:CMPRF)

Q3 2025 Gentera SAB de CV Earnings Call Transcript

Oct 23, 2025 / 02:00 PM GMT

Release Date Price: $2.67

Transcript

Key Points

Positve

Gentera SAB de CV (CMPRF) reported a 16% year-over-year growth in its loan portfolio, demonstrating strong business performance.
The company achieved an 11% increase in its client base, indicating successful customer acquisition strategies.
Non-performing loans (NPLs) remained stable at 3.4%, reflecting solid portfolio quality and effective risk management.
Compartamos Banco in Mexico showed exceptional performance with a 19% portfolio growth and maintained NPLs at 3.5%.
Gentera's diversification strategy is paying off, with insurance products now contributing 11% to total income.

Negative

The company faces potential impacts from recent floods in Mexico, affecting around 1% of its clients and portfolio.
Operational expenses grew by 25.2% due to increased hiring and strategic initiatives, which may pressure margins.
The effective tax rate for Concredito was higher due to deferred tax events, impacting net income.
Gentera is cautious about revising its guidance despite strong performance, indicating potential uncertainties ahead.
The company anticipates higher expenses in Q4 related to incentives and strategic initiatives, which could affect profitability.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

GENTERA.MX - Gentera SAB de CV
Q3 2025 Gentera SAB de CV Earnings Call
Oct 23, 2025 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to the 3rd quarter 2025 Heper conference call. Now I would like to turn the call to Mr. Enrique Barrera, in relations officer of the company. Sir, you may begin.

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Unidentified_2 [2]
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Good day.

Thank you all for joining us and for your continued interest in Gentera. I'm Enrique Barrera, the company's investor relations officer.

I'm very pleased to introduce our management team with us today are Mr. Enrique Mayos, Gentera's Chief Executive Officer, Mr. Mario Lanarica, Gentera's Chief Financial Officer. Enrica and

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