Gentera S.A.B. de C.V (GENTERA) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Gentera S.A.B. de C.V MXN 74.16, price MXN 36.80, upside +101.5%, quality 60 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 8.80 MXN – 53.31 MXN · fair‑value band 21.84 MXN – 128.28 MXN · the 36.80 MXN price screens below the 74.16 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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. It also provides insurance agent and payment channels; and financial operations, services payments, multilevel payments and airtime top-up services.
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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. 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 36.80 MXN, while our model-based Fair Value estimate is 74.16 MXN, implying the stock looks roughly 50.4% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 184.95 MXN per share, and 9 of the 13 models we run sit above the 36.80 MXN price.
Bear case: the Asset-Based group reads lowest at 15.11 MXN, and 4 of the 13 models stay below the price. Evidence for this calculation is medium.
Scenario range: 21.84 MXN (bear) to 128.28 MXN (bull), the price of 36.80 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 60/100 (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 58.1B MXN (≈ $3.3B) · P/E ratio 6.1 · P/S ratio 1.03 · EPS (TTM) 6.07 MXN · Dividend yield 3.9% · Net margin 17.0% · Return on equity 23.9% · Return on assets (EBIT) 10.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (medium confidence).
What moves the price
The share trades about 31% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 102%, GENTERA screens cheaper than that median.
Fair Value models
Bear 21.84 MXNFair Value 74.16 MXNBull 128.28 MXN
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (4.44 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.Evidence ⓘEvidence = 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 (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+38.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+34.4%
Dividend (yield on the price)3.9%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 22%
2025 sits 75% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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).
−7.6%
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.
+10.5%
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 −10.5% a year for the price and +7.0% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (20 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Very negative
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 · 332 stocks
Beats the industry median on 13/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score60 · Above median
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)24% · Top 25%
Return on assets8% · Top 25%
Net margin (TTM)23% · Above median
Operating margin (TTM)38% · Above median
Growth and dividend
Revenue growth11% · Above median
Dividend yield (TTM)3.9% · Above median
Balance sheet
Debt / equity0.45× · 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). "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 Sep 24, 2026, our model estimates a fair value of 74.16 MXN versus a price of 36.80 MXN, about +102% upside (undervalued).
What is the fair value of GENTERA?
Our model-based fair value for Gentera S.A.B. de C.V is 74.16 MXN (as of Sep 24, 2026), built from audited fundamentals. The current price: 36.80 MXN.
What is the quality score of GENTERA?
Gentera S.A.B. de C.V has a Quality Score of 60/100. 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 74.16 MXN (as of Sep 24, 2026) from 13 valuation models. Cautious scenario 21.84 MXN, optimistic scenario 128.28 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 74.16 MXN, about +102% upside versus a price of 36.80 MXN (undervalued). Cautious scenario 21.84 MXN, optimistic scenario 128.28 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 37.5B MXN (latest available figure, as of Sep 24, 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 about 3.86% relative to its recent price (as of Sep 24, 2026).
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 -7.6 % 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 +21.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of GENTERA use?
Our models discount Gentera S.A.B. de C.V at 10.0 %: a base by market capitalisation (large), damped by beta 0.06, 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 -7.6 % 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 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 -7.6 % 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 Gentera S.A.B. de C.V (GENTERA) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Gentera S.A.B. de C.V (-7.6 % 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 Gentera S.A.B. de C.V (GENTERA)?
The free-cash-flow yield on the price is 15.16 %: 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 (10.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of 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 74.16 MXN per share (as of Sep 24, 2026), against a price of 36.80 MXN. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Gentera S.A.B. de C.V stock overvalued or undervalued in 2026?
As of Sep 24, 2026, GENTERA trades below its calculated fair value: price 36.80 MXN, fair value 74.16 MXN, a gap of about +102% (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 (36.80 MXN); the fair value is what the company's own numbers justify (74.16 MXN). For Gentera S.A.B. de C.V the two are 37.36 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 58.1B MXN (market capitalisation, as of Sep 24, 2026). Per share that is 36.80 MXN; our models calculate a fair value of 74.16 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 21.84 MXN, base 74.16 MXN, optimistic 128.28 MXN per share (as of Sep 24, 2026, price 36.80 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 6.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 74.16 MXN is built from several models across several years. Other multiples: PEG 0.6, P/B 1.6, P/S 1.6.
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 Sep 24, 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 Sep 24, 2026): return on equity 23.9%, debt of 0.45 per unit of equity. They feed the Quality Score of 60/100, 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 36.80 MXN, about 31% below its 52-week high of 53.31 MXN and 3% above the low of 35.72 MXN (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 74.16 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 Sep 24, 2026: price 36.80 MXN, calculated fair value 74.16 MXN (+102%), Quality Score 60/100, 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 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 74.16 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 14.1 % above its aggregate fair value. Gentera S.A.B. de C.V currently trades 102 % 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 Sep 23, 2026 was 36.80 MXN. Our model-based fair value is 74.16 MXN, about +102% 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 (21.84 MXN to 128.28 MXN). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (60/100) 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 58.1B MXN (≈ $3.3B). 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 1.03 (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 Gentera S.A.B. de C.V (GENTERA)?
Earnings per share at Gentera S.A.B. de C.V are 6.07 MXN (price ÷ EPS = P/E 6.1). 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 3.9% (payout 23.4%). 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 17.0% (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 Gentera S.A.B. de C.V (GENTERA)?
The return on equity (ROE) of Gentera S.A.B. de C.V is 23.9% (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 37.6% (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 +11.2% 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 +100% 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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