Q4 2025 Gentera SAB de CV Earnings Call Transcript
Key Points
- Gentera SAB de CV (MEX:GENTERA) achieved record growth in clients, loan portfolio, and net income for 2025.
- The company reached a milestone of 6.5 million people using its financial services, with an 11.8% growth in clients compared to 2024.
- Gentera's loan portfolio grew by 13.1% to 93.6 billion pesos, with double-digit growth in its credit subsidiaries in Mexico and Peru.
- Net interest income grew by 22.9% to 40.5 billion pesos, driven by solid growth in clients and portfolio.
- The company plans to increase its dividend payout policy from 40% to 45% and increase its contribution to its foundation from 2% to 3% of profits.
- The cost of risk for 2025 was 13%, with expectations to maintain this level in 2026, indicating potential challenges in managing asset quality.
- Operational expenses increased by 19.3% in 2025, driven by business growth, larger sales force, and strategic initiatives.
- A new methodology for potential tax contingencies resulted in a reserve of 500 million pesos, impacting operating expenses.
- The company faced a non-recurring impact of 328 million pesos due to the cancellation of deferred tax assets related to Concredito.
- Gentera's guidance for 2026 indicates a potential deceleration in earnings before taxes growth, raising concerns about future profitability.
Good morning and welcome to the fourth quarter 2025 Gentera's conference call. Now I would like to turn the call to Mr. Enrique Barrera, investor relations officer of the company. Sir, you may begin.
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 Majos, Gentera's Chief Executive Officer; Mario Langarica, Gentera's Chief Financial Officer. Enrique and Mario will present Gentera results for the fourth quarter period and the full year 2025 as per the report that was issued yesterday. and will actively participate in the Q&A session of this conference call.
As a reminder, now that we are holding our conference call via Zoom, it is important to highlight that if you want to ask questions during this Q&A session, these will only be taken if you are connected via Zoom.
Now, please note that
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