Grupo ProfuturoB de CV (MEX:GPROFUT) Beneish M-Score: -2.13 (As of Jun. 26, 2026)


MEX:GPROFUT Grupo Profuturo SAB de CV MEX:GPROFUT
80 GF Score
Price MXN126.40
GF Value MXN172.14
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Grupo ProfuturoB de CV Beneish M-Score?

Grupo ProfuturoB de CV MEX:GPROFUT 80 Beneish M-Score is -2.13 as of Jun. 26, 2026. GuruFocus rates MEX:GPROFUT with a GF Score™ of 80/100 and a GF Value™ of MXN172.14 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 397 Insurance companies, Grupo ProfuturoB de CV ranks worse than 79.09% on this metric.

The zones of discrimination for M-Score is as such:

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator.
An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

Good Sign:

Beneish M-Score -2.13 no higher than -1.78, which implies that the company is unlikely to be a manipulator.

The historical rank and industry rank for Grupo ProfuturoB de CV's Beneish M-Score or its related term are showing as below:

MEX:GPROFUT' s Beneish M-Score Range Over the Past 10 Years
Min: -2.96   Med: -2.27   Max: 4.16
Current: -2.13

During the past 13 years, the highest Beneish M-Score of Grupo ProfuturoB de CV was 4.16. The lowest was -2.96. And the median was -2.27.


Grupo ProfuturoB de CV Beneish M-Score Historical Data

* Premium members only.

The historical data trend for Grupo ProfuturoB de CV's Beneish M-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.

Grupo ProfuturoB de CV Beneish M-Score Chart

Grupo ProfuturoB de CV Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beneish M-Score
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.08 -1.88 -2.34 -2.33 -2.13

Grupo ProfuturoB de CV Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Beneish M-Score Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.33 -2.31 -2.13 -2.17 -2.13

MEX:GPROFUT vs MRSH, AON, AJG: Beneish M-Score Comparison

For the Insurance Brokers subindustry, Grupo ProfuturoB de CV's Beneish M-Score, along with its competitors' market caps and Beneish M-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.


Grupo ProfuturoB de CV Beneish M-Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Grupo ProfuturoB de CV's Beneish M-Score distribution charts can be found below:

* The bar in red indicates where Grupo ProfuturoB de CV's Beneish M-Score falls into.


MEX:GPROFUT
80GF Score
Grupo Profuturo SAB de CV MEX:GPROFUT
Beneish M-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo ProfuturoB de CV Beneish M-Score Calculation

The M-score was created by Professor Messod Beneish. Instead of measuring the bankruptcy risk (Altman Z-Score) or business trend (Piotroski F-Score), M-score can be used to detect the risk of earnings manipulation. This is the original research paper on M-score.

The M-Score Variables:

The M-score of Grupo ProfuturoB de CV for today is based on a combination of the following eight different indices:

M=-4.84+0.92 * DSRI+0.528 * GMI+0.404 * AQI+0.892 * SGI+0.115 * DEPI
=-4.84+0.92 * 1.1066+0.528 * 0.956+0.404 * 0.9927+0.892 * 1.3041+0.115 * 1.1528
-0.172 * SGAI+4.679 * TATA-0.327 * LVGI
-0.172 * 0.9236+4.679 * 0.009609-0.327 * 1.2221
=-2.13

* 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 (Dec25) TTM:Last Year (Dec24) TTM:
Total Receivables was MXN6,276 Mil.
Revenue was 10695.034 + 8407.895 + 10536.722 + 6566.434 = MXN36,206 Mil.
Gross Profit was 5900.642 + 6481.432 + 8577.12 + 4899.622 = MXN25,859 Mil.
Total Current Assets was MXN19,905 Mil.
Total Assets was MXN159,600 Mil.
Property, Plant and Equipment(Net PPE) was MXN681 Mil.
Depreciation, Depletion and Amortization(DDA) was MXN665 Mil.
Selling, General, & Admin. Expense(SGA) was MXN2,408 Mil.
Total Current Liabilities was MXN1,330 Mil.
Long-Term Debt & Capital Lease Obligation was MXN3,820 Mil.
Net Income was 1172.174 + 1092.311 + 862.143 + 941.067 = MXN4,068 Mil.
Non Operating Income was 0 + 0 + 0 + 0 = MXN0 Mil.
Cash Flow from Operations was 631.909 + 599.313 + 633.199 + 669.62 = MXN2,534 Mil.
Total Receivables was MXN4,349 Mil.
Revenue was 6359.054 + 8578.86 + 5261.697 + 7563.511 = MXN27,763 Mil.
Gross Profit was 2365.952 + 6871.681 + 3691.921 + 6026.33 = MXN18,956 Mil.
Total Current Assets was MXN16,337 Mil.
Total Assets was MXN138,152 Mil.
Property, Plant and Equipment(Net PPE) was MXN595 Mil.
Depreciation, Depletion and Amortization(DDA) was MXN787 Mil.
Selling, General, & Admin. Expense(SGA) was MXN2,000 Mil.
Total Current Liabilities was MXN1,188 Mil.
Long-Term Debt & Capital Lease Obligation was MXN2,460 Mil.




1. DSRI = Days Sales in Receivables Index

Measured as the ratio of Revenue in Total Receivables in year t to year t-1.

A large increase in DSR could be indicative of revenue inflation.

DSRI=(Receivables_t / Revenue_t) / (Receivables_t-1 / Revenue_t-1)
=(6275.899 / 36206.085) / (4348.684 / 27763.122)
=0.173338 / 0.156635
=1.1066

2. GMI = Gross Margin Index

Measured as the ratio of gross margin in year t-1 to gross margin in year t.

Gross margin has deteriorated when this index is above 1. A firm with poorer prospects is more likely to manipulate earnings.

GMI=GrossMargin_t-1 / GrossMargin_t
=(GrossProfit_t-1 / Revenue_t-1) / (GrossProfit_t / Revenue_t)
=(18955.884 / 27763.122) / (25858.816 / 36206.085)
=0.682772 / 0.714212
=0.956

3. AQI = Asset Quality Index

AQI is the ratio of asset quality in year t to year t-1.

Asset quality is measured as the ratio of non-current assets other than Property, Plant and Equipment to Total Assets.

AQI=(1 - (CurrentAssets_t + PPE_t) / TotalAssets_t) / (1 - (CurrentAssets_t-1 + PPE_t-1) / TotalAssets_t-1)
=(1 - (19905.128 + 680.634) / 159600.021) / (1 - (16337.146 + 594.529) / 138151.903)
=0.871017 / 0.877442
=0.9927

4. SGI = Sales Growth Index

Ratio of Revenue in year t to sales in year t-1.

Sales growth is not itself a measure of manipulation. However, growth companies are likely to find themselves under pressure to manipulate in order to keep up appearances.

SGI=Sales_t / Sales_t-1
=Revenue_t / Revenue_t-1
=36206.085 / 27763.122
=1.3041

5. DEPI = Depreciation Index

Measured as the ratio of the rate of Depreciation, Depletion and Amortization in year t-1 to the corresponding rate in year t.

DEPI greater than 1 indicates that assets are being depreciated at a slower rate. This suggests that the firm might be revising useful asset life assumptions upwards, or adopting a new method that is income friendly.

DEPI=(Depreciation_t-1 / (Depreciaton_t-1 + PPE_t-1)) / (Depreciation_t / (Depreciaton_t + PPE_t))
=(787.164 / (787.164 + 594.529)) / (665.006 / (665.006 + 680.634))
=0.56971 / 0.494193
=1.1528

Note: If the Depreciation, Depletion and Amortization data is not available, we assume that the depreciation rate is constant and set the Depreciation Index to 1.

6. SGAI = Sales, General and Administrative expenses Index

The ratio of Selling, General, & Admin. Expense(SGA) to Sales in year t relative to year t-1.

SGA expenses index > 1 means that the company is becoming less efficient in generate sales.

SGAI=(SGA_t / Sales_t) / (SGA_t-1 /Sales_t-1)
=(2408.405 / 36206.085) / (1999.57 / 27763.122)
=0.066519 / 0.072023
=0.9236

7. LVGI = Leverage Index

The ratio of total debt to Total Assets in year t relative to yeat t-1.

An LVGI > 1 indicates an increase in leverage

LVGI=((LTD_t + CurrentLiabilities_t) / TotalAssets_t) / ((LTD_t-1 + CurrentLiabilities_t-1) / TotalAssets_t-1)
=((3820.159 + 1329.801) / 159600.021) / ((2459.709 + 1187.884) / 138151.903)
=0.032268 / 0.026403
=1.2221

8. TATA = Total Accruals to Total Assets

Total accruals calculated as the change in working capital accounts other than cash less depreciation.

TATA=(IncomefromContinuingOperations_t - CashFlowsfromOperations_t) / TotalAssets_t
=(NetIncome_t - NonOperatingIncome_t - CashFlowsfromOperations_t) / TotalAssets_t
=(4067.695 - 0 - 2534.041) / 159600.021
=0.009609

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator. An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

Grupo ProfuturoB de CV has a M-score of -2.13 suggests that the company is unlikely to be a manipulator.

Frequently Asked Questions Learn more about Beneish M-Score →
What does a Beneish M-Score of -2.13 mean?
Grupo ProfuturoB de CV (MEX:GPROFUT) has a Beneish M-Score of -2.13 as of Jun. 26, 2026. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Grupo ProfuturoB de CV and its competitors. According to the industry distribution chart, Grupo ProfuturoB de CV ranks #314 out of 397 companies in the Insurance industry, placing it in the top 79.1%.
Is Grupo ProfuturoB de CV's Beneish M-Score too high?
Grupo ProfuturoB de CV's current Beneish M-Score is -2.13. Based on the distribution chart, Grupo ProfuturoB de CV ranks #314 out of 397 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Grupo ProfuturoB de CV has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Grupo ProfuturoB de CV's Beneish M-Score compare to MRSH and AON?
According to the Insurance industry distribution chart, Grupo ProfuturoB de CV ranks #314 out of 397 companies for Beneish M-Score. This places Grupo ProfuturoB de CV in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beneish M-Score for an Insurance company?
A good Beneish M-Score depends on the Insurance industry context. However, Beneish M-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beneish M-Score mean?
A high Beneish M-Score can signal that a stock is expensive relative to its fundamentals. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Grupo ProfuturoB de CV and its competitors. Grupo ProfuturoB de CV's current Beneish M-Score is -2.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo ProfuturoB de CV stock overvalued right now?
Based on GuruFocus' analysis, Grupo ProfuturoB de CV (MEX:GPROFUT) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN172.14, compared to a current price of MXN126.40 — trading 26.6% below its estimated fair value. The current Beneish M-Score is -2.13. Grupo ProfuturoB de CV's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beneish M-Score calculated?
Beneish M-Score is calculated from a company's financial statements. For Grupo ProfuturoB de CV (MEX:GPROFUT), the current Beneish M-Score is -2.13 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 Grupo ProfuturoB de CV (MEX:GPROFUT) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo ProfuturoB de CV stock appears to be undervalued. The current stock price of MXN126.40 is trading 26.6% below its estimated GF Value™ of MXN172.14. GuruFocus considers Grupo ProfuturoB de CV to be Modestly Undervalued.

Key valuation signals for MEX:GPROFUT:

  • Beneish M-Score: -2.13
  • GF Value™: MXN172.14 vs. price of MXN126.40 (26.6% below fair value)
  • GF Score™: 80/100 with 5 warning signs

No single metric tells the full story. See the MEX:GPROFUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Grupo ProfuturoB de CV Business Description

Address Boulevard Adolfo Lopez Mateos Numero 2009, 6 Piso, Col Los Alpes, Mexico City, DF, MEX, 01010
Grupo Profuturo SAB de CV is engaged in the financial sector in Mexico. The company offers counselling services for life plan, savings, and asset-building purposes.
80GF Score

Get the complete analysis for MEX:GPROFUT

Beneish M-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN126.40
Price
MXN172.14
GF Value