GenteraB de CVCMPRF 76 Piotroski F-Score is 7 as of Jun. 26, 2026, which is 40% above its 10-year median of 5.00. GuruFocus rates CMPRF with a GF Score™ of 76/100 and a GF Value™ of $2.11 (Fairly Valued). The stock has 2 warning signs investors should review. Among 532 Credit Services companies, GenteraB de CV ranks better than 92.29% on this metric.
Good Sign:
Piotroski F-Score is 7, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
GenteraB de CV has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for GenteraB de CV's Piotroski F-Score or its related term are showing as below:
CMPRF'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 5 Max: 8
Current: 7
During the past 13 years, the highest Piotroski F-Score of GenteraB de CV was 8. The lowest was 2. And the median was 5.
GenteraB de CV (OTCPK:CMPRF) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
GenteraB de CV Piotroski F-Score Related Terms
GenteraB de CV Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for GenteraB de CV's Piotroski F-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, GenteraB de CV's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
GenteraB de CV Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, GenteraB de CV's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where GenteraB de CV's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 111.832 + 114.384 + 105.881 + 134.686 = $467 Mil. Cash Flow from Operations was 62.646 + 30.471 + 310.884 + 81.647 = $486 Mil. Revenue was 608.049 + 664.57 + 759.457 + 701.252 = $2,733 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(5265.976 + 5815.502 + 6172.236 + 6692.881 + 6775.787) / 5 = $6144.4764 Mil. Total Assets at the begining of this year (Mar25) was $5,266 Mil. Long-Term Debt & Capital Lease Obligation was $2,629 Mil. Total Assets was $6,776 Mil. Total Liabilities was $4,656 Mil.
Net Income was 64.649 + 83.594 + 84.493 + 102.919 = $336 Mil.
Revenue was 486.535 + 499.265 + 568.493 + 540.095 = $2,094 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(5514.08 + 4990.398 + 5027.708 + 5122.293 + 5265.976) / 5 = $5184.091 Mil. Total Assets at the begining of last year (Mar24) was $5,514 Mil. Long-Term Debt & Capital Lease Obligation was $1,329 Mil. Total Assets was $5,266 Mil. Total Liabilities was $3,532 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
GenteraB de CV's current Net Income (TTM) was 467.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
GenteraB de CV's return on assets of this year was 0.08864131. GenteraB de CV's return on assets of last year was 0.06087235.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
GenteraB de CV's gearing of this year was 0.42784345. GenteraB de CV's gearing of last year was 0.25638786.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
GenteraB de CV's current ratio of this year was 1.45535573. GenteraB de CV's current ratio of last year was 1.49090448.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
GenteraB de CV's number of shares in issue this year was 1214.381. GenteraB de CV's number of shares in issue last year was 1579.239.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
GenteraB de CV's net margin of this year was 0.1707746. GenteraB de CV's net margin of last year was 0.160264.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
GenteraB de CV's asset turnover of this year was 0.5190544. GenteraB de CV's asset turnover of last year was 0.37982546.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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7
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
GenteraB de CV has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
GenteraB de CV (CMPRF) has a Piotroski F-Score of 7 as of Jun. 26, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on GenteraB de CV and its competitors. This is 40% above median its historical median of 5.00. Over the past decade, GenteraB de CV's Piotroski F-Score has ranged from 2.00 to 8.00. According to the industry distribution chart, GenteraB de CV ranks #41 out of 532 companies in the Credit Services industry, placing it in the top 7.7%.
Is GenteraB de CV's Piotroski F-Score too high?
GenteraB de CV's current Piotroski F-Score of 7 is 40% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. The Credit Services industry median Piotroski F-Score is 5.00. GenteraB de CV's value of 7 is 40% above this industry median. Based on the distribution chart, GenteraB de CV ranks #41 out of 532 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, GenteraB de CV has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does GenteraB de CV's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, GenteraB de CV ranks #41 out of 532 companies for Piotroski F-Score. This places GenteraB de CV in the top 8% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 5.00. GenteraB de CV's value of 7 is 40% above this benchmark. Historically, GenteraB de CV's own Piotroski F-Score has ranged from 2.00 to 8.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 5.00, GenteraB de CV has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 532 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GenteraB de CV's current Piotroski F-Score of 7 is 40% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on GenteraB de CV and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GenteraB de CV's current Piotroski F-Score is 7, which is 40% above median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GenteraB de CV stock overvalued right now?
Based on GuruFocus' analysis, GenteraB de CV (CMPRF) is currently considered Fairly Valued. The stock's GF Value™ is $2.11, compared to a current price of $2.08 — trading 1.4% below its estimated fair value. The current Piotroski F-Score is 7, which is 40% above median its 10-year median of 5.00 and 40% above the Credit Services industry median of 5.00. GenteraB de CV's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For GenteraB de CV (CMPRF), the current Piotroski F-Score is 7 as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is GenteraB de CV (CMPRF) Overvalued in 2026?
Based on GuruFocus' analysis, GenteraB de CV stock appears to be undervalued.
The current stock price of $2.08 is trading 1.4% below its estimated GF Value™ of $2.11.
GuruFocus considers GenteraB de CV to be Fairly Valued.
Key valuation signals for CMPRF:
Piotroski F-Score: 7 (40% above median its 10-year median of 5.00)
GF Value™: $2.11 vs. price of $2.08 (1.4% below fair value)
Industry Position: 40% above the Credit Services median (#41 of 532)
No single metric tells the full story. See the CMPRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gentera SAB de CV is a Mexican financial services company. Gentera's core activities include loans, credits, saving accounts, insurance policies, administration services, and payment operations. The company is present in Mexico, Guatemala, Peru, and the United States through subsidiaries including Compartamos Banco, a microfinancing bank; Pagos Intermex SA de CV, a financial transaction intermediary; Aterna, an insurance intermediary; and Yastas, a payments and financial transactions provider.
76GF Score
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