Grupo Profuturo S.A.B. de C.V (GPROFUT) fair value: what the stock is really worth
As of Sep 21, 2026: fair value of Grupo Profuturo S.A.B. de C.V MXN 100, price MXN 119, upside -15.7%, quality 57 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 44.87 MXN – 126.40 MXN · fair‑value band 77.31 MXN – 150.06 MXN · the 119.00 MXN price screens above the 100.34 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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Grupo Profuturo, S.A.B. de C.V. manages loans, pension, and retirement fund business in Mexico. Grupo Profuturo, S.A.B. de C.V. was founded in 1996 and is based in Mexico City, Mexico.
Stock analysis
Grupo Profuturo S.A.B. de C.V (GPROFUT) currently trades at 119.00 MXN, while our model-based Fair Value estimate is 100.34 MXN, implying the stock looks roughly 18.6% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 116.04 MXN per share, and 1 of the 6 models we run sit above the 119.00 MXN price.
Bear case: the Asset-Based group reads lowest at 35.26 MXN, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 77.31 MXN (bear) to 150.06 MXN (bull), the price of 119.00 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 57/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Grupo Profuturo S.A.B. de C.V reported revenue of 36.2B MXN in FY2025 versus 25.5B MXN in FY2021, a compound +9.1%/yr. Reported net income was 4.1B MXN in FY2025, compounding +6.7%/yr from FY2021.
Key figures
Market cap 33.9B MXN (≈ $1.9B) · P/E ratio 7.8 · P/S ratio 0.88 · EPS (TTM) 15.27 MXN · Dividend yield 5.3% · Net margin 11.2% · Return on equity 27.5% · Return on assets (EBIT) 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 9% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −46% fair-value upside, at −16%, GPROFUT screens cheaper than that median.
Fair Value models
Bear 77.31 MXNFair Value 100.34 MXNBull 150.06 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 (11.17 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.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+30.4%
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.
+22.4%
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.
+15.8%
Start year 2020 (pandemic). Over 10 years: +15.2% a year
Revenue growth 24 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.
+12.6%
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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. Basis: EBIT basis. 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.
≈ +15.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.3%
Dividend (yield on the price)5.3%
Profit margin 2020 to 2025 ⓘ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.20% → 14%
⚠ Rate on operating basis: 2025 sits 54% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
+11.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Mexico: IMF forecast 3.3% a year to 2030, 4.8% from 2016 to 2025) that is about +7.6% a year for the price.
Compare Grupo Profuturo S.A.B. de C.V with another stock
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.Insurance Brokers · 35 stocks
Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−16% · Top 25%
Profitability
Return on equity (TTM)28% · Top 25%
Return on assets2% · Below median
Net margin (TTM)11% · Below median
Operating margin (TTM)19% · Above median
Growth and dividend
Revenue growth29% · Above median
Dividend yield (TTM)5.3% · Above median
Balance sheet
Debt / equity0.23× · Below median
Valuation Multiplesvs Insurance Brokers median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Grupo Profuturo S.A.B. de C.V Fair Value". https://www.fairvalue-calculator.com/stock/GPROFUT
Frequently asked questions
Is Grupo Profuturo S.A.B. de C.V (GPROFUT) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 100.34 MXN versus a price of 119.00 MXN, about −16% upside (overvalued).
What is the fair value of GPROFUT?
Our model-based fair value for Grupo Profuturo S.A.B. de C.V is 100.34 MXN (as of Sep 24, 2026), built from audited fundamentals. The current price: 119.00 MXN.
What is the quality score of GPROFUT?
Grupo Profuturo S.A.B. de C.V has a Quality Score of 57/100. 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 Profuturo S.A.B. de C.V (GPROFUT)?
Our model-based price target is the fair value of 100.34 MXN (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 77.31 MXN, optimistic scenario 150.06 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the Grupo Profuturo S.A.B. de C.V stock forecast for 2026?
Our models put fair value at 100.34 MXN, about −16% upside versus a price of 119.00 MXN (overvalued). Cautious scenario 77.31 MXN, optimistic scenario 150.06 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of Grupo Profuturo S.A.B. de C.V (GPROFUT)?
Grupo Profuturo S.A.B. de C.V reported trailing-twelve-month revenue of about 38.0B MXN (latest available figure, as of Sep 24, 2026).
Does Grupo Profuturo S.A.B. de C.V pay a dividend?
Grupo Profuturo S.A.B. de C.V currently shows a dividend yield of about 5.28% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Grupo Profuturo S.A.B. de C.V (GPROFUT)?
For today's price to be fair in a discounted-cash-flow model, Grupo Profuturo S.A.B. de C.V would have to grow free cash flow by +11.1 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of GPROFUT use?
Our models discount Grupo Profuturo S.A.B. de C.V at 12.0 %: a base by market capitalisation (mid), 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 Profuturo S.A.B. de C.V that is +11.1 % per year a year over ten years, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Grupo Profuturo S.A.B. de C.V (GPROFUT) delivered so far?
Over the past 5 years revenue at Grupo Profuturo S.A.B. de C.V grew +15.8 % a year. The price currently implies +11.1 % 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 Profuturo S.A.B. de C.V (GPROFUT) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Grupo Profuturo S.A.B. de C.V (+11.1 % 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 Profuturo S.A.B. de C.V (GPROFUT)?
The free-cash-flow yield on the price is 6.22 %: that much free cash flow Grupo Profuturo S.A.B. de C.V produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), 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 Profuturo S.A.B. de C.V (GPROFUT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Grupo Profuturo S.A.B. de C.V it is 100.34 MXN per share (as of Sep 24, 2026), against a price of 119.00 MXN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Grupo Profuturo S.A.B. de C.V stock overvalued or undervalued in 2026?
As of Sep 24, 2026, GPROFUT trades above its calculated fair value: price 119.00 MXN, fair value 100.34 MXN, a gap of about −16% (overvalued). 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 GPROFUT?
No. The price is what the market pays today (119.00 MXN); the fair value is what the company's own numbers justify (100.34 MXN). For Grupo Profuturo S.A.B. de C.V the two are 18.66 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is Grupo Profuturo S.A.B. de C.V worth?
The market values Grupo Profuturo S.A.B. de C.V at about 33.9B MXN (market capitalisation, as of Sep 24, 2026). Per share that is 119.00 MXN; our models calculate a fair value of 100.34 MXN per share.
What do the bullish and bearish scenarios say about GPROFUT?
Our models span a range for Grupo Profuturo S.A.B. de C.V: cautious scenario 77.31 MXN, base 100.34 MXN, optimistic 150.06 MXN per share (as of Sep 24, 2026, price 119.00 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GPROFUT?
Grupo Profuturo S.A.B. de C.V trades at a price-to-earnings ratio of 7.8 (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 100.34 MXN is built from several models across several years. Other multiples: PEG 0.5, P/B 2.3, P/S 0.9, EV/EBITDA 5.6.
What is the PEG ratio of GPROFUT?
The PEG ratio of Grupo Profuturo S.A.B. de C.V is 0.52 (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 Grupo Profuturo S.A.B. de C.V (GPROFUT)?
Balance-sheet figures for Grupo Profuturo S.A.B. de C.V (as of Sep 24, 2026): return on equity 27.5%, debt of 0.23 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is GPROFUT from its 52-week high?
Grupo Profuturo S.A.B. de C.V trades at 119.00 MXN, about 6% below its 52-week high of 126.40 MXN and 9% above the low of 109.59 MXN (as of Sep 21, 2026). Distance from the high says nothing about value: that is what the fair value of 100.34 MXN is for.
Which stocks are comparable to Grupo Profuturo S.A.B. de C.V?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Aon plc, Arthur J. Gallagher & Co, Willis Towers Watson Public Limited, 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 Profuturo S.A.B. de C.V stock attractive at the current price?
The data as of Sep 24, 2026: price 119.00 MXN, calculated fair value 100.34 MXN (−16%), Quality Score 57/100, 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 GPROFUT calculated?
We run Grupo Profuturo 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 100.34 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. Grupo Profuturo S.A.B. de C.V itself currently trades above fair value. 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 Profuturo S.A.B. de C.V (GPROFUT)?
The closing price on Sep 21, 2026 was 119.00 MXN. Our model-based fair value is 100.34 MXN, about −16% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grupo Profuturo S.A.B. de C.V right now?
Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (77.31 MXN to 150.06 MXN) 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.
Key figures of Grupo Profuturo S.A.B. de C.V
How large is the market capitalisation of Grupo Profuturo S.A.B. de C.V (GPROFUT)?
The market capitalisation of Grupo Profuturo S.A.B. de C.V is 33.9B MXN (≈ $1.9B). 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 Profuturo S.A.B. de C.V (GPROFUT)?
The price-to-sales ratio of Grupo Profuturo S.A.B. de C.V is 0.88 (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 Profuturo S.A.B. de C.V (GPROFUT)?
Earnings per share at Grupo Profuturo S.A.B. de C.V are 15.27 MXN (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Grupo Profuturo S.A.B. de C.V (GPROFUT)?
The dividend yield of Grupo Profuturo S.A.B. de C.V is 5.3% (payout 41.1%). 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 Profuturo S.A.B. de C.V (GPROFUT)?
The net margin of Grupo Profuturo S.A.B. de C.V is 11.2% (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 Profuturo S.A.B. de C.V (GPROFUT)?
The return on equity (ROE) of Grupo Profuturo S.A.B. de C.V is 27.5% (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 Profuturo S.A.B. de C.V (GPROFUT)?
On an EBIT basis the return on assets of Grupo Profuturo S.A.B. de C.V is 1.3% (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 Profuturo S.A.B. de C.V (GPROFUT)?
The operating margin of Grupo Profuturo S.A.B. de C.V is 19.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Grupo Profuturo S.A.B. de C.V (GPROFUT)?
Revenue at Grupo Profuturo S.A.B. de C.V is growing +29.1% versus a year earlier (3y avg +22.4%). 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 Grupo Profuturo S.A.B. de C.V (GPROFUT)?
Earnings per share at Grupo Profuturo S.A.B. de C.V are growing +33.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Grupo Profuturo S.A.B. de C.V (GPROFUT) carry?
The net debt of Grupo Profuturo S.A.B. de C.V is 709M 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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