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Grupo Financiero Inbursa, S.A. (GPFOF) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of Grupo Financiero Inbursa, S.A. $2.96, price $2.18, upside +35.8%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN MXP370641013

GF Grupo Financiero Inbursa, S.A. logo Broad data Sep 23, 2026

Grupo Financiero Inbursa, S.A.

GPFOF · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $2.96 · Undervalued (+35.8%)
!Quality 58/100
!Mixed Growth (revenue YoY +81.7 %/yr)
✓Highly profitable · 57.1% net margin (TTM)
✓Low debt · generates free cash flow
✓Wide moat 71/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$3.01 $0.0001 Fair Value $2.96 Jul 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $0.0001 – $3.01 · fair‑value band $2.47 – $4.67 · the $2.18 price screens below the $2.96 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Grupo Financiero Inbursa, S.A.B. de C.V. provides various financial products and services to individuals and businesses in Mexico. 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.

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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. 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. (GPFOF) currently trades at $2.18, while our model-based Fair Value estimate is $2.96, implying the stock looks roughly 26.4% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $3.56 per share, and 3 of the 6 models we run sit above the $2.18 price.

Bear case: the Dividend Discount group reads lowest at $0.8900, and 3 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $2.47 (bear) to $4.67 (bull), the price of $2.18 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 58/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Grupo Financiero Inbursa, S.A. reported revenue of 148B MXN in FY2025 versus 47.8B MXN in FY2021, a compound +32.8%/yr. Reported net income was 30.9B MXN in FY2025, compounding +10.3%/yr from FY2021.

Key figures

Market cap $14.4B · P/E ratio 7.3 · P/S ratio 1.51 · EPS (TTM) $0.3000 · Net margin 20.8% · Return on equity 11.1% · Return on assets (EBIT) 5.1% · Operating margin 71.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).

What moves the price

The share trades about 17% 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 −36% fair-value upside, at 36%, GPFOF screens cheaper than that median.

Fair Value models

Bear $2.47 Fair Value $2.96 Bull $4.67
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 ($0.2268 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. 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.
Highest evidence
Residual Income $2.29 $2.64 $3.69 76
Gordon GGM $0.5100 $1.06 $1.67 66
DDM Multi-Stage $0.5100 $0.8900 $1.11 66
All 6 models by family
Dividend Discount
Gordon GGM $0.5100 $1.06 $1.67 66
DDM Multi-Stage $0.5100 $0.8900 $1.11 66
Multiples
P/E Multiple $2.74 $3.66 $4.57 63
P/B Multiple $2.67 $3.56 $4.45 55
Asset-Based
NCAV (Graham) $1.27 $1.70 $2.54 54
Economic Profit
Residual Income $2.29 $2.64 $3.69 76

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Quality Score breakdown

Overall quality 58/100

Of which business quality 54 · Market factors (momentum, volatility) 62

Profitability 38
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 57
Earnings quality: real cash, not paper profit
Fin. Strength 37
Balance sheet, leverage, solvency risk
Investment 58
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 58
Price trend over the last 3–12 months (market factor)
52W Momentum 84
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Profit margin (trend) ⓘ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.
24.0% (2020) → 28.3% (2025)

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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 · 1060 stocks

Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside +46.9% · Top 25%
Profitability
Return on equity (TTM) 11.1% · Above median
Return on assets 3.6% · Top 25%
Net margin (TTM) 57.1% · Top 25%
Operating margin (TTM) 71.7% · Top 25%
Growth and dividend
Revenue growth −2.8% · Bottom 25%
Balance sheet
Debt / equity 0.32× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 7.3× · Cheapest 25%
P/B 0.87× · Cheapest 25%
P/S (TTM) 4.57× · Priciest 25%
P/FCF 0.7× · Cheapest 25%
EV/EBITDA 6.7× · Cheaper than median

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Grupo Financiero Inbursa, S.A. · Fair Value
$2.96 +26%Fair Value
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Cite: Fair Value Calculator (2026). "Grupo Financiero Inbursa, S.A. Fair Value". https://www.fairvalue-calculator.com/stock/GPFOF

Frequently asked questions

Is Grupo Financiero Inbursa, S.A. (GPFOF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $2.96 versus a price of $2.18, about +36% upside (undervalued).
What is the fair value of GPFOF?
Our model-based fair value for Grupo Financiero Inbursa, S.A. is $2.96 (as of Sep 23, 2026), built from audited fundamentals. The current price: $2.18.
What is the quality score of GPFOF?
Grupo Financiero Inbursa, S.A. has a Quality Score of 58/100. 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. (GPFOF)?
Our model-based price target is the fair value of $2.96 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $2.47, optimistic scenario $4.67. It is a calculation from audited fundamentals, not an analyst target.
What is the Grupo Financiero Inbursa, S.A. stock forecast for 2026?
Our models put fair value at $2.96, about +36% upside versus a price of $2.18 (undervalued). Cautious scenario $2.47, optimistic scenario $4.67. The calculation is refreshed regularly with new filings.
What is the revenue of Grupo Financiero Inbursa, S.A. (GPFOF)?
Grupo Financiero Inbursa, S.A. reported trailing-twelve-month revenue of about 53.1B MXN (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Grupo Financiero Inbursa, S.A. (GPFOF)?
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. it is $2.96 per share (as of Sep 23, 2026), against a price of $2.18. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Grupo Financiero Inbursa, S.A. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, GPFOF trades below its calculated fair value: price $2.18, fair value $2.96, a gap of about +36% (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 GPFOF?
No. The price is what the market pays today ($2.18); the fair value is what the company's own numbers justify ($2.96). For Grupo Financiero Inbursa, S.A. the two are $0.7800 per share apart. That gap is exactly why we show both numbers side by side.
How much is Grupo Financiero Inbursa, S.A. worth?
The market values Grupo Financiero Inbursa, S.A. at about $14.4B (market capitalisation, as of Sep 23, 2026). Per share that is $2.18; our models calculate a fair value of $2.96 per share.
What do the bullish and bearish scenarios say about GPFOF?
Our models span a range for Grupo Financiero Inbursa, S.A.: cautious scenario $2.47, base $2.96, optimistic $4.67 per share (as of Sep 23, 2026, price $2.18). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GPFOF?
Grupo Financiero Inbursa, S.A. trades at a price-to-earnings ratio of 7.3 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $2.96 is built from several models across several years. Other multiples: P/B 0.9, P/S 4.6, EV/EBITDA 6.7.
How solid is the balance sheet of Grupo Financiero Inbursa, S.A. (GPFOF)?
Balance-sheet figures for Grupo Financiero Inbursa, S.A. (as of Sep 23, 2026): return on equity 11.1%, debt of 0.32 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is GPFOF from its 52-week high?
Grupo Financiero Inbursa, S.A. trades at $2.18, about 17% below its 52-week high of $2.64 and at the low of $2.18 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of $2.96 is for.
Which stocks are comparable to Grupo Financiero Inbursa, S.A.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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. stock attractive at the current price?
The data as of Sep 23, 2026: price $2.18, calculated fair value $2.96 (+36%), Quality Score 58/100, 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 GPFOF calculated?
We run Grupo Financiero Inbursa, S.A. 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 $2.96, 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 14.5 % above its aggregate fair value. Grupo Financiero Inbursa, S.A. currently trades 26 % 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. (GPFOF)?
The closing price on Sep 30, 2026 was $2.18. Our model-based fair value is $2.96, about +36% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grupo Financiero Inbursa, S.A. right now?
The price is below even our cautious bear case ($2.47). The market is more pessimistic than our downside scenario. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($2.47 to $4.67) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Grupo Financiero Inbursa, S.A. (GPFOF) come from?
Earnings per share at Grupo Financiero Inbursa, S.A. grew +14.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +17.5 %, EBIT margin −2.8 %, tax rate −1.6 %, residual (interest, one-offs) +2.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Grupo Financiero Inbursa, S.A.

How large is the market capitalisation of Grupo Financiero Inbursa, S.A. (GPFOF)?
The market capitalisation of Grupo Financiero Inbursa, S.A. is $14.4B. 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. (GPFOF)?
The price-to-sales ratio of Grupo Financiero Inbursa, S.A. is 1.51 (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. (GPFOF)?
Earnings per share at Grupo Financiero Inbursa, S.A. are $0.3000 (price ÷ EPS = P/E 7.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Grupo Financiero Inbursa, S.A. (GPFOF)?
The net margin of Grupo Financiero Inbursa, S.A. is 20.8% (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. (GPFOF)?
The return on equity (ROE) of Grupo Financiero Inbursa, S.A. is 11.1% (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. (GPFOF)?
On an EBIT basis the return on assets of Grupo Financiero Inbursa, S.A. is 5.1% (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. (GPFOF)?
The operating margin of Grupo Financiero Inbursa, S.A. is 71.7% (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. (GPFOF)?
Revenue at Grupo Financiero Inbursa, S.A. is growing −2.8% versus a year earlier (3y avg +40.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Grupo Financiero Inbursa, S.A. (GPFOF) generate?
The free cash flow of Grupo Financiero Inbursa, S.A. is 22.0B 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 Grupo Financiero Inbursa, S.A. (GPFOF) carry?
The net debt of Grupo Financiero Inbursa, S.A. is 7.4B MXN (fiscal year 2025, ≈ 0.3 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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