Financiera Independencia S.A. (FINDEP) Fair Value & Analysis
Financial Services · MX · Market cap 2.5B MXN
Fair value as of: Jul 20, 2026
From 12 valuation models · updated 21 days ago
Fair value updated Jul 20, 2026, revised from 15.94 MXN to 14.80 MXN (−7.2%) since Jun 26, 2026. Share price −4.4% over the past month.
A solid business, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (11.10 MXN). The market is more pessimistic than our downside scenario.
- Solid quality (67/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 20, 2026.
How to read this chart
60‑month range 3.50 MXN – 8.40 MXN · fair‑value band 11.10 MXN – 18.50 MXN · the 7.40 MXN price screens below the 14.80 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 20, 2026.
Analysis
Financiera Independencia S.A. (FINDEP) currently trades at 7.40 MXN, while our model-based Fair Value estimate is 14.80 MXN, implying the stock looks roughly 100.0% undervalued today. The Quality Score stands at 67/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Financiera Independencia S.A. generated revenue of 3.5B MXN at a net margin of 16.9%. Revenue declined 8.0% year over year. It earns a return on equity of 9.7%. Net debt stands at 3.3B MXN. Fundamentals as of Jul 20, 2026
Our scenario range runs from 11.10 MXN (bear case) to 18.50 MXN (bull case); at 7.40 MXN, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 12% 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 -41% fair-value upside, at 100%, FINDEP screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 12 models by family
Widest divergence: Dividend Discount (45.04 MXN) versus Asset-Based (10.84 MXN). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 52
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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. 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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Financiera Independencia S.A. 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.
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Peer Group
Credit Services · 331 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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