Gentera S.A.B. de C.V (GENTERA) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Gentera S.A.B. de C.V stock MXN 74.58, price MXN 37.45, upside +99.1%, quality 61 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 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 6, 2026.
How to read this chart
60‑month range 8.91 MXN – 53.24 MXN · fair‑value band 29.87 MXN – 117.72 MXN · the 37.45 MXN price screens below the 74.58 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Gentera, S.A.B. de C.V. provides various financial products and services in Mexico and Peru. The company offers savings, insurance, and loans, including commercial, consumer, personal, as well as microcredits.
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It also provides insurance agent and payment channels; and financial operations, services payments, multilevel payments and airtime top-up services.
The company was formerly known as Financiera Compartamos, S.A. B. de C. V. Gentera, S.A.B. de C.V. was founded in 1990 and is based in Mexico City, Mexico.
Stock analysis
Gentera S.A.B. de C.V (GENTERA) currently trades at 37.45 MXN, while our model-based Fair Value estimate is 74.58 MXN, implying the stock looks roughly 50% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 147.56 MXN per share, and 9 of the 13 models we run sit above the 37.45 MXN price.
Bear case: the Asset-Based group reads lowest at 12.37 MXN, and 4 of the 13 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 29.87 MXN (bear) to 117.72 MXN (bull), the price of 37.45 MXN sits inside 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 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Gentera S.A.B. de C.V reported revenue of 48.4B MXN in FY2025 versus 22.6B MXN in FY2021, a compound +20.9%/yr. Reported net income was 8.2B MXN in FY2025, compounding +36.8%/yr from FY2021.
Key figures
Market cap 59.1B MXN (≈ $3.2B) Mid · P/E ratio 6.7 · P/S ratio 1.53 · EPS (TTM) 5.62 MXN · Dividend yield 4.1% · Net margin 22.9% · Return on equity 25.0% · Return on assets (EBIT) 10.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 80 out of 100 (medium confidence).
What moves the price
The share trades about 30% below its 52-week high and 5% above 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 99%, GENTERA screens cheaper than that median.
Fair Value models
Bear29.87 MXNFair Value 74.58 MXNBull117.72 MXN
Price 37.45 MXN · Upside +99.1%
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 (4.82 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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+23.9%
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.
+21.0%
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.
+21.9%
Start year 2020 (pandemic). Over 10 years: +12.6% a year
Revenue growth 15 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.
+45.8%
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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.
≈ +28.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.1%
Dividend (yield on the price)4.1%
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.24.1% vs 9.6%, picking up
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Approximate: the rate leans on 2025, which sits 75% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−6.4%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (Mexico: IMF forecast 3.3% a year to 2030, 4.8% from 2016 to 2025) that is about −9.4% a year for the price and +5.0% for the forecasts.
Price, fair value, quality and upside side by side.
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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 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+99.1% · Top 25%
Profitability
Return on equity (12 months)25.0% · Top 25%
Return on assets6.8% · Top 25%
Net margin (12 months)22.9% · Below median
Operating margin (12 months)35.4% · Below median
Growth and dividend
Revenue growth (quarter YoY)5.5% · Below median
Dividend yield (12 months)4.1% · Above median
Balance sheet
Debt / equity0.45× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)6.7× · Cheapest 25%
P/B1.66× · Pricier than median
P/S (12 months)1.53× · Cheaper than median
Price / free cash flow (fiscal year)6.7× · Pricier than median
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). "Gentera S.A.B. de C.V Fair Value". https://www.fairvalue-calculator.com/stock/GENTERA
Frequently asked questions
Is Gentera S.A.B. de C.V (GENTERA) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 74.58 MXN versus a price of 37.45 MXN, about +99% upside (undervalued).
What is the fair value of GENTERA?
Our model-based fair value for Gentera S.A.B. de C.V is 74.58 MXN (as of Nov 6, 2026), built from audited fundamentals. The current price: 37.45 MXN.
What is the quality score of GENTERA?
Gentera S.A.B. de C.V has a Quality Score of 61/100. 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 Gentera S.A.B. de C.V (GENTERA)?
Our model-based price target is the fair value of 74.58 MXN (as of Nov 6, 2026) from 13 valuation models. Cautious scenario 29.87 MXN, optimistic scenario 117.72 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the Gentera S.A.B. de C.V stock forecast for 2026?
Our models put fair value at 74.58 MXN, about +99% upside versus a price of 37.45 MXN (undervalued). Cautious scenario 29.87 MXN, optimistic scenario 117.72 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of Gentera S.A.B. de C.V (GENTERA)?
Gentera S.A.B. de C.V reported trailing-twelve-month revenue of about 38.8B MXN (latest available figure, as of Nov 6, 2026).
Does Gentera S.A.B. de C.V pay a dividend?
Gentera S.A.B. de C.V currently shows a dividend yield of 4.06% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Gentera S.A.B. de C.V (GENTERA)?
Gentera S.A.B. de C.V has a dividend yield of 4.1%.
What growth is priced into Gentera S.A.B. de C.V (GENTERA)?
For today's price to be fair in a discounted-cash-flow model, Gentera S.A.B. de C.V would have to grow free cash flow by -6.4 % per year for five years (discount rate 10.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.9 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of GENTERA use?
Our models discount Gentera S.A.B. de C.V at 10.5 %: a base by market capitalisation (mid), damped by beta 0.08, country premium for Mexico. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Gentera S.A.B. de C.V that is -6.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.5 %) and the same formula as our fair value.
How much growth has Gentera S.A.B. de C.V (GENTERA) delivered so far?
Over the past 5 years revenue at Gentera S.A.B. de C.V grew +21.9 % a year. The price currently implies free-cash-flow growth of -6.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Gentera S.A.B. de C.V (GENTERA) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Gentera S.A.B. de C.V (-6.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Gentera S.A.B. de C.V (GENTERA)?
The free-cash-flow yield on the price is 14.90 %: that much free cash flow Gentera S.A.B. de C.V produces per unit of market value. When it exceeds the discount rate of our models (10.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Gentera S.A.B. de C.V (GENTERA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gentera S.A.B. de C.V it is 74.58 MXN per share (as of Nov 6, 2026), against a price of 37.45 MXN. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Gentera S.A.B. de C.V stock overvalued or undervalued in 2026?
As of Nov 6, 2026, GENTERA trades below its calculated fair value: price 37.45 MXN, fair value 74.58 MXN, a gap of about +99% (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 GENTERA?
No. The price is what the market pays today (37.45 MXN); the fair value is what the company's own numbers justify (74.58 MXN). For Gentera S.A.B. de C.V the two are 37.13 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is Gentera S.A.B. de C.V worth?
The market values Gentera S.A.B. de C.V at about 59.1B MXN (market capitalisation, as of Nov 6, 2026). Per share that is 37.45 MXN; our models calculate a fair value of 74.58 MXN per share.
What do the bullish and bearish scenarios say about GENTERA?
Our models span a range for Gentera S.A.B. de C.V: cautious scenario 29.87 MXN, base 74.58 MXN, optimistic 117.72 MXN per share (as of Nov 6, 2026, price 37.45 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GENTERA?
Gentera S.A.B. de C.V trades at a price-to-earnings ratio of 6.7 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 74.58 MXN is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings, FY2025 ex one-offs: 8.8. Other multiples: PEG 0.6, P/B 1.7, P/S 1.5.
What is the PEG ratio of GENTERA?
The PEG ratio of Gentera S.A.B. de C.V is 0.59 (P/E divided by earnings growth, as of Nov 6, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Gentera S.A.B. de C.V (GENTERA)?
Balance-sheet figures for Gentera S.A.B. de C.V (as of Nov 6, 2026): return on equity 25.0%, debt of 0.45 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is GENTERA from its 52-week high?
Gentera S.A.B. de C.V trades at 37.45 MXN, about 30% below its 52-week high of 53.24 MXN and 5% above the low of 35.72 MXN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 74.58 MXN is for.
Which stocks are comparable to Gentera S.A.B. de C.V?
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 Gentera S.A.B. de C.V stock attractive at the current price?
The data as of Nov 6, 2026: price 37.45 MXN, calculated fair value 74.58 MXN (+99%), Quality Score 61/100, from 13 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 GENTERA calculated?
We run Gentera S.A.B. de C.V through 13 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 74.58 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. Gentera S.A.B. de C.V 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 Gentera S.A.B. de C.V (GENTERA)?
The closing price on Nov 6, 2026 was 37.45 MXN. Our model-based fair value is 74.58 MXN, about +99% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gentera S.A.B. de C.V right now?
The model range is unusually wide (29.87 MXN to 117.72 MXN). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Gentera S.A.B. de C.V
How large is the market capitalisation of Gentera S.A.B. de C.V (GENTERA)?
The market capitalisation of Gentera S.A.B. de C.V is 59.1B MXN (≈ $3.2B). 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 Gentera S.A.B. de C.V (GENTERA)?
The price-to-sales ratio of Gentera S.A.B. de C.V is 1.53 (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 Gentera S.A.B. de C.V (GENTERA)?
Earnings per share at Gentera S.A.B. de C.V are 5.62 MXN (price ÷ EPS = P/E 6.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Gentera S.A.B. de C.V (GENTERA)?
The dividend yield of Gentera S.A.B. de C.V is 4.1% (payout 27.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Gentera S.A.B. de C.V (GENTERA)?
The net margin of Gentera S.A.B. de C.V is 22.9% (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 Gentera S.A.B. de C.V (GENTERA)?
The return on equity (ROE) of Gentera S.A.B. de C.V is 25.0% (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 Gentera S.A.B. de C.V (GENTERA)?
On an EBIT basis the return on assets of Gentera S.A.B. de C.V is 10.0% (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 Gentera S.A.B. de C.V (GENTERA)?
The operating margin of Gentera S.A.B. de C.V is 35.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gentera S.A.B. de C.V (GENTERA)?
Revenue at Gentera S.A.B. de C.V is growing +5.5% versus a year earlier (3y avg +21.0%). 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 Gentera S.A.B. de C.V (GENTERA)?
Earnings per share at Gentera S.A.B. de C.V are growing +98.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Gentera S.A.B. de C.V (GENTERA) carry?
The net debt of Gentera S.A.B. de C.V is 18.5B MXN (fiscal year 2025, ≈ 2.1 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 6, 2026