Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R stock MXN 11.38, price MXN 5.69, upside +100.0%, quality 68 out of 100. Rating: strongly undervalued. Calculated from audited financials with 12 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 3.62 MXN – 8.40 MXN · fair‑value band 8.17 MXN – 15.07 MXN · the 5.69 MXN price screens below the 11.38 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Financiera Independencia S.A.B. de C.V. SOFOM E.N.R., a non-bank entity, offers micro-lending services in Mexico and the United States.
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The company provides unsecured loans to individuals with low income and minimum wage, informal sector, and mothers, as well as individuals with proven income as employees, self-employed, or independent contractors.
It also offers consumer credit granting; administrative; and call center, promotion, marketing, and other services. The company was founded in 1993 and is based in Mexico City, Mexico.
Stock analysis
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP) currently trades at 5.69 MXN, while our model-based Fair Value estimate is 11.38 MXN, implying the stock looks roughly 50% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 30.87 MXN per share, and 12 of the 12 models we run sit above the 5.69 MXN price.
Bear case: the Asset-Based group reads lowest at 9.74 MXN, and 0 of the 12 models stay below the price. Data coverage for this calculation is low.
Scenario range: 8.17 MXN (bear) to 15.07 MXN (bull), the price of 5.69 MXN sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 68/100 (solid quality), in the Financial Services sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R reported revenue of 5.0B MXN in FY2025 versus 4.2B MXN in FY2021, a compound +4.2%/yr. Reported net income was 611M MXN in FY2025, compounding +15.2%/yr from FY2021.
Key figures
Market cap 1.9B MXN (≈ $103M) Micro · P/E ratio 3.1 · P/S ratio 0.56 · EPS (TTM) 1.81 MXN · Net margin 17.0% · Return on equity 10.7% · Return on assets (EBIT) 2.8% (5-year average) · Operating margin 97.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 32% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 100%, FINDEP screens cheaper than that median.
Fair Value models
Bear8.17 MXNFair Value 11.38 MXNBull15.07 MXN
Price 5.69 MXN · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.7718 MXN per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−1.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.6%
Start year 2020 (pandemic). Over 10 years: +3.4% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.1%
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What shareholders gained per year (last 5 years), in MXN ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in MXN: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+12.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.8%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.12.8% vs 9.7%, picking up
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)10.7% · Above median
Return on assets5.4% · Top 25%
Net margin (12 months)17.0% · Below median
Operating margin (12 months)97.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)0.7% · Below median
Dividend yield (12 months)16.0% · Top 25%
Balance sheet
Debt / equity0.89× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Financiera Independencia S.A.B. de C.V. SOFOM E.N.R Fair Value". https://www.fairvalue-calculator.com/stock/FINDEP
Frequently asked questions
Is Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 11.38 MXN versus a price of 5.69 MXN, about +100% upside (undervalued).
What is the fair value of FINDEP?
Our model-based fair value for Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 11.38 MXN (as of Nov 7, 2026), built from audited fundamentals. The current price: 5.69 MXN.
What is the quality score of FINDEP?
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R has a Quality Score of 68/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
Our model-based price target is the fair value of 11.38 MXN (as of Nov 7, 2026) from 12 valuation models. Cautious scenario 8.17 MXN, optimistic scenario 15.07 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the Financiera Independencia S.A.B. de C.V. SOFOM E.N.R stock forecast for 2026?
Our models put fair value at 11.38 MXN, about +100% upside versus a price of 5.69 MXN (undervalued). Cautious scenario 8.17 MXN, optimistic scenario 15.07 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R reported trailing-twelve-month revenue of about 3.4B MXN (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Financiera Independencia S.A.B. de C.V. SOFOM E.N.R it is 11.38 MXN per share (as of Nov 7, 2026), against a price of 5.69 MXN. It is the blended result of 12 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Financiera Independencia S.A.B. de C.V. SOFOM E.N.R stock overvalued or undervalued in 2026?
As of Nov 7, 2026, FINDEP trades below its calculated fair value: price 5.69 MXN, fair value 11.38 MXN, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FINDEP?
No. The price is what the market pays today (5.69 MXN); the fair value is what the company's own numbers justify (11.38 MXN). For Financiera Independencia S.A.B. de C.V. SOFOM E.N.R the two are 5.69 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is Financiera Independencia S.A.B. de C.V. SOFOM E.N.R worth?
The market values Financiera Independencia S.A.B. de C.V. SOFOM E.N.R at about 1.9B MXN (market capitalisation, as of Nov 7, 2026). Per share that is 5.69 MXN; our models calculate a fair value of 11.38 MXN per share.
What do the bullish and bearish scenarios say about FINDEP?
Our models span a range for Financiera Independencia S.A.B. de C.V. SOFOM E.N.R: cautious scenario 8.17 MXN, base 11.38 MXN, optimistic 15.07 MXN per share (as of Nov 7, 2026, price 5.69 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FINDEP?
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R trades at a price-to-earnings ratio of 3.1 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 11.38 MXN is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2019 to 2025), reported earnings: 4.8. Other multiples: P/B 0.4, P/S 0.6.
How solid is the balance sheet of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
Balance-sheet figures for Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (as of Nov 7, 2026): return on equity 10.7%, debt of 0.89 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is FINDEP from its 52-week high?
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R trades at 5.69 MXN, about 32% below its 52-week high of 8.40 MXN and at the low of 5.69 MXN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 11.38 MXN is for.
Which stocks are comparable to Financiera Independencia S.A.B. de C.V. SOFOM E.N.R?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Financiera Independencia S.A.B. de C.V. SOFOM E.N.R stock attractive at the current price?
The data as of Nov 7, 2026: price 5.69 MXN, calculated fair value 11.38 MXN (+100%), Quality Score 68/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FINDEP calculated?
We run Financiera Independencia S.A.B. de C.V. SOFOM E.N.R through 12 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 11.38 MXN builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Financiera Independencia S.A.B. de C.V. SOFOM E.N.R currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
The closing price on Nov 6, 2026 was 5.69 MXN. Our model-based fair value is 11.38 MXN, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Financiera Independencia S.A.B. de C.V. SOFOM E.N.R right now?
The price is below even our cautious bear case (8.17 MXN). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (68/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (8.17 MXN to 15.07 MXN) leaves room in how you read the outcome.
Key figures of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R
How large is the market capitalisation of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
The market capitalisation of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 1.9B MXN (≈ $103M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
The price-to-sales ratio of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 0.56 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
Earnings per share at Financiera Independencia S.A.B. de C.V. SOFOM E.N.R are 1.81 MXN (price ÷ EPS = P/E 3.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
The net margin of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 17.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
The return on equity (ROE) of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 10.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
On an EBIT basis the return on assets of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 2.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
The operating margin of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 97.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
Revenue at Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is growing +0.7% versus a year earlier (3y avg +0.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP)?
Earnings per share at Financiera Independencia S.A.B. de C.V. SOFOM E.N.R are growing +1.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP) generate?
The free cash flow of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 1.9B MXN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP) carry?
The net debt of Financiera Independencia S.A.B. de C.V. SOFOM E.N.R is 3.3B MXN (fiscal year 2025, ≈ 1.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 7, 2026