Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Grupo Financiero Inbursa S.A.B. de C.V stock MXN 45.75, price MXN 44.92, upside +1.8%, quality 56 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range 16.86 MXN – 52.84 MXN · fair‑value band 40.86 MXN – 59.80 MXN · the 44.92 MXN price screens below the 45.75 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Grupo Financiero Inbursa, S.A.B. de C.V. provides various financial products and services to individuals and businesses in Mexico.
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The company offers personal, business, and investment accounts; investment funds; personal, mortgage, SME, and auto loans; financing and payroll services; credit cards; as well as insurance products. It also provides online and mobile banking, and other services.
Grupo Financiero Inbursa, S.A.B. de C.V. was founded in 1985 and is headquartered in Mexico City, Mexico.
Stock analysis
Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO) currently trades at 44.92 MXN, while our model-based Fair Value estimate is 45.75 MXN, so the stock looks roughly fairly valued today (gap 1.8%).
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Valuation
Bull case: the Multiples group reads highest at a median of 48.56 MXN per share, and 3 of the 6 models we run sit above the 44.92 MXN price.
Bear case: the Dividend Discount group reads lowest at 14.45 MXN, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 40.86 MXN (bear) to 59.80 MXN (bull), the price of 44.92 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 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Grupo Financiero Inbursa S.A.B. de C.V reported revenue of 83.3B MXN in FY2025 versus 47.8B MXN in FY2021, a compound +14.9%/yr. Reported net income was 30.9B MXN in FY2025, compounding +10.2%/yr from FY2021.
Key figures
Market cap 272B MXN (≈ $14.6B) Large · P/E ratio 13.0 · P/S ratio 4.81 · EPS (TTM) 3.46 MXN · Dividend yield 2.3% · Net margin 37.1% · Return on equity 9.1% · Return on assets (EBIT) 3.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 10% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 2%, GFINBURO screens cheaper than that median.
Fair Value models
Bear40.86 MXNFair Value 45.75 MXNBull59.80 MXN
Price 44.92 MXN · Upside +1.8%
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 (2.94 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.91/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+0.8%
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.
+16.1%
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.
+12.1%
Start year 2020 (pandemic). Over 10 years: +19.1% a year
Revenue growth 10 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.
+19.1%
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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.
+23.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.4%
Dividend (yield on the price)2.3%
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.21.4% vs 10.6%, picking up
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more 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).
+4.9%
Yearly growth needed for the next five years to justify today's price.
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.
−7.5%
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 +1.6% a year for the price and −10.4% for the forecasts.
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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.Banks - Regional · 1002 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+1.8% · Above median
Profitability
Return on equity (12 months)9.1% · Below median
Return on assets3.7% · Top 25%
Net margin (12 months)52.9% · Top 25%
Operating margin (12 months)66.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−22.5% · Bottom 25%
Dividend yield (12 months)2.3% · Below median
Balance sheet
Debt / equity0.31× · Above median
Valuation Multiplesvs Banks - Regional 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). "Grupo Financiero Inbursa S.A.B. de C.V Fair Value". https://www.fairvalue-calculator.com/stock/GFINBURO
Frequently asked questions
Is Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 45.75 MXN versus a price of 44.92 MXN, about +2% upside (fairly valued).
What is the fair value of GFINBURO?
Our model-based fair value for Grupo Financiero Inbursa S.A.B. de C.V is 45.75 MXN (as of Nov 4, 2026), built from audited fundamentals. The current price: 44.92 MXN.
What is the quality score of GFINBURO?
Grupo Financiero Inbursa S.A.B. de C.V has a Quality Score of 56/100. 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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
Our model-based price target is the fair value of 45.75 MXN (as of Nov 4, 2026) from 6 valuation models. Cautious scenario 40.86 MXN, optimistic scenario 59.80 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the Grupo Financiero Inbursa S.A.B. de C.V stock forecast for 2026?
Our models put fair value at 45.75 MXN, about +2% upside versus a price of 44.92 MXN (fairly valued). Cautious scenario 40.86 MXN, optimistic scenario 59.80 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
Grupo Financiero Inbursa S.A.B. de C.V reported trailing-twelve-month revenue of about 48.2B MXN (latest available figure, as of Nov 4, 2026).
Does Grupo Financiero Inbursa S.A.B. de C.V pay a dividend?
Grupo Financiero Inbursa S.A.B. de C.V currently shows a dividend yield of 2.28% relative to its recent price (as of Nov 4, 2026).
What growth is priced into Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
For today's price to be fair in a discounted-cash-flow model, Grupo Financiero Inbursa S.A.B. de C.V would have to grow free cash flow by +4.9 % per year for five years (discount rate 10.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.1 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of GFINBURO use?
Our models discount Grupo Financiero Inbursa S.A.B. de C.V at 10.0 %: a base by market capitalisation (large), damped by beta 0.11, 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 Grupo Financiero Inbursa S.A.B. de C.V that is +4.9 % per year a year over ten years, using the same discount rate (10.0 %) and the same formula as our fair value.
How much growth has Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO) delivered so far?
Over the past 5 years revenue at Grupo Financiero Inbursa S.A.B. de C.V grew +12.1 % a year. The price currently implies +4.9 % per year free-cash-flow growth a 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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Grupo Financiero Inbursa S.A.B. de C.V (+4.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The free-cash-flow yield on the price is 7.84 %: that much free cash flow Grupo Financiero Inbursa S.A.B. de C.V produces per unit of market value. When it exceeds the discount rate of our models (10.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Grupo Financiero Inbursa S.A.B. de C.V it is 45.75 MXN per share (as of Nov 4, 2026), against a price of 44.92 MXN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Grupo Financiero Inbursa S.A.B. de C.V stock overvalued or undervalued in 2026?
As of Nov 4, 2026, GFINBURO trades below its calculated fair value: price 44.92 MXN, fair value 45.75 MXN, a gap of about +2% (fairly valued). 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 GFINBURO?
No. The price is what the market pays today (44.92 MXN); the fair value is what the company's own numbers justify (45.75 MXN). For Grupo Financiero Inbursa S.A.B. de C.V the two are 0.8300 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is Grupo Financiero Inbursa S.A.B. de C.V worth?
The market values Grupo Financiero Inbursa S.A.B. de C.V at about 272B MXN (market capitalisation, as of Nov 4, 2026). Per share that is 44.92 MXN; our models calculate a fair value of 45.75 MXN per share.
What do the bullish and bearish scenarios say about GFINBURO?
Our models span a range for Grupo Financiero Inbursa S.A.B. de C.V: cautious scenario 40.86 MXN, base 45.75 MXN, optimistic 59.80 MXN per share (as of Nov 4, 2026, price 44.92 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GFINBURO?
Grupo Financiero Inbursa S.A.B. de C.V trades at a price-to-earnings ratio of 13.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 45.75 MXN is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 9.8. Other multiples: P/B 1.0, P/S 5.6.
How solid is the balance sheet of Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
Balance-sheet figures for Grupo Financiero Inbursa S.A.B. de C.V (as of Nov 4, 2026): return on equity 9.1%, debt of 0.31 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is GFINBURO from its 52-week high?
Grupo Financiero Inbursa S.A.B. de C.V trades at 44.92 MXN, about 5% below its 52-week high of 47.20 MXN and 10% above the low of 40.74 MXN (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 45.75 MXN is for.
Which stocks are comparable to Grupo Financiero Inbursa S.A.B. de C.V?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Grupo Financiero Inbursa S.A.B. de C.V stock attractive at the current price?
The data as of Nov 4, 2026: price 44.92 MXN, calculated fair value 45.75 MXN (+2%), Quality Score 56/100, from 6 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 GFINBURO calculated?
We run Grupo Financiero Inbursa S.A.B. de C.V through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 45.75 MXN, 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 15.5% above its aggregate fair value. Grupo Financiero Inbursa S.A.B. de C.V currently trades 2% 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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The closing price on Nov 5, 2026 was 44.92 MXN. Our model-based fair value is 45.75 MXN, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grupo Financiero Inbursa S.A.B. de C.V right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Grupo Financiero Inbursa S.A.B. de C.V
How large is the market capitalisation of Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The market capitalisation of Grupo Financiero Inbursa S.A.B. de C.V is 272B MXN (≈ $14.6B). 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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The price-to-sales ratio of Grupo Financiero Inbursa S.A.B. de C.V is 4.81 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
Earnings per share at Grupo Financiero Inbursa S.A.B. de C.V are 3.46 MXN (price ÷ EPS = P/E 13.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The dividend yield of Grupo Financiero Inbursa S.A.B. de C.V is 2.3% (payout 29.7%). 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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The net margin of Grupo Financiero Inbursa S.A.B. de C.V is 37.1% (fiscal year 2025). 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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The return on equity (ROE) of Grupo Financiero Inbursa S.A.B. de C.V is 9.1% (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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
On an EBIT basis the return on assets of Grupo Financiero Inbursa S.A.B. de C.V is 3.4% (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 Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
The operating margin of Grupo Financiero Inbursa S.A.B. de C.V is 66.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO)?
Revenue at Grupo Financiero Inbursa S.A.B. de C.V is growing −22.5% versus a year earlier (3y avg +16.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Grupo Financiero Inbursa S.A.B. de C.V (GFINBURO) carry?
The net debt of Grupo Financiero Inbursa S.A.B. de C.V is 1.1B MXN (fiscal year 2025, ≈ 0.1 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 4, 2026