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Grupo Profuturo, S.A. (GPROFUT) Fair Value & Analysis

Financial Services · MX · Market cap 36.0B MXN

GP Grupo Profuturo, S.A. GPROFUT · MX
Price126.40 MXN
Fair Value185.50 MXN
Upside+46.8%
Quality57/100
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Mixed Growth
Solidly profitable · 10.9% net margin
Low debt · generates free cash flow
Ranks above peers (10/15)
Moderate moat 63/100
Evidence: High Range 139.12 MXN – 231.87 MXN Share as image

Fair value as of: Jul 15, 2026

From 6 valuation models · updated 25 days ago

Share price +0.3% over the past month.

A solid business, screening 47% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (139.12 MXN). The market is more pessimistic than our downside scenario.
  • Solid quality (57/100) 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.
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Price vs Fair Value (5 years)

126.40 MXN 40.79 MXN Fair Value 185.50 MXN Apr 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range 40.79 MXN – 126.40 MXN · fair‑value band 139.12 MXN – 231.87 MXN · the 126.40 MXN price screens below the 185.50 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 15, 2026.

Full chart & analysis →

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Analysis

Grupo Profuturo, S.A. (GPROFUT) currently trades at 126.40 MXN, while our model-based Fair Value estimate is 185.50 MXN, implying the stock looks roughly 46.8% undervalued today. The Quality Score stands at 57/100 (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, Grupo Profuturo, S.A. generated revenue of 36.9B MXN at a net margin of 11.2%. Revenue grew 29.1% year over year. It earns a return on equity of 27.5%. Net debt stands at 709M MXN. Fundamentals as of Jul 15, 2026

Our scenario range runs from 139.12 MXN (bear case) to 231.87 MXN (bull case); at 126.40 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 near its 52-week high and 15% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at 47%, GPROFUT 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.

Model BearBaseBull Evidence
Highest evidence
Residual Income 93.81 MXN 121.12 MXN 609.84 MXN 76
Gordon GGM 61.24 MXN 127.34 MXN 202.01 MXN 70
P/E Multiple 139.12 MXN 185.50 MXN 231.87 MXN 63
All 6 models by family
Dividend Discount
Gordon GGM 61.24 MXN 127.34 MXN 202.01 MXN 70
DDM Multi-Stage 61.24 MXN 107.37 MXN 133.64 MXN 61
Multiples
P/E Multiple 139.12 MXN 185.50 MXN 231.87 MXN 63
P/B Multiple 55.25 MXN 73.67 MXN 92.08 MXN 55
Asset-Based
NCAV (Graham) 26.31 MXN 35.26 MXN 52.62 MXN 50
Economic Profit
Residual Income 93.81 MXN 121.12 MXN 609.84 MXN 76

Widest divergence: Economic Profit (121.12 MXN) versus Asset-Based (35.26 MXN). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 36.9B MXN
Revenue growth (YoY) +29.1%
Net margin 11.2%
Return on equity 27.5%
Free cash flow 2.1B MXN FY2025
P/E ratio 8.4
More key figures
Operating margin 19.4%
EPS (TTM) 14.27 MXN
EPS growth (YoY) +33.3%
Net debt 709M MXN FY2025

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 57/100

Of which business quality 46 · Market factors (momentum, volatility) 73

Profitability 42
Margins and returns on capital today
Quality Growth 59
Are margins and returns improving?
Cashflow 40
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 82
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 55
Price trend over the last 3–12 months (market factor)
52W Momentum 72
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

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

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Grupo Profuturo, S.A. 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.

Growth Quality 86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
36.2B MXN
Latest YoY
+30.4%
Avg. growth/yr (3Y)
+22.4%
Avg. growth/yr (5Y)
+15.8%
Avg. growth/yr (24Y)
+12.6%
Revenue +9.1%/yr
FY21 25.5B MXN
FY22 19.7B MXN
FY23 22.3B MXN
FY24 27.8B MXN
FY25 36.2B MXN
Net income +6.7%/yr
FY21 3.1B MXN
FY22 1.9B MXN
FY23 2.6B MXN
FY24 3.4B MXN
FY25 4.1B MXN

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Cite: Fair Value Calculator (2026). "Grupo Profuturo, S.A. Fair Value". https://www.fairvalue-calculator.com/stock/GPROFUT

Peer Group

Insurance Brokers · 36 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.

Quality Score 53 · Below median
Fair Value upside +47% · Top 25%
Return on equity (TTM) 28% · Top 25%
Return on assets 2% · Bottom 25%
Net margin (TTM) 11% · Below median
Operating margin (TTM) 19% · Above median
Revenue growth 29% · Above median
Dividend yield (TTM) 0.0% · Bottom 25%
Debt / equity 0.23× · Higher than median

Valuation Multiples vs Insurance Brokers median · lower = cheaper

P/E (TTM) 8.3× · Cheaper than 75% of peers
P/B 2.40× · Cheaper than median
P/S (TTM) 0.95× · Cheaper than 75% of peers
P/FCF 1.0× · Cheaper than 75% of peers
EV/EBITDA 6.0× · Cheaper than median
PEG 0.52× · Cheaper than 75% of peers

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.

VALUE 96 · sector 0
FUTURE 100 · sector 53
PAST 100 · sector 62
HEALTH 88 · sector 90
DIVIDEND 0 · sector 45

Insider activity: 45/100

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $182.18 $112.25 -38%
Aon plc AON $367.21 $224.91 -39%
Arthur J. Gallagher & Co AJG $253.09 $75.58 -70%
Willis Towers Watson Public Limited WTW $285.12 $220.92 -23%
Brown & Brown, Inc BRO $67.66 $40.43 -40%
Erie Indemnity Company ERIE $227.31 $157.43 -31%
PB Fintech Limited POLICYBZR ₹1,574 ₹188.49 -88%
Neptune Insurance Holdings NP $31.03 $3.52 -89%
CorVel Corporation CRVL $62.29 $47.59 -24%
Accelerant Holdings ARX $13.52 $18.06 +34%

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Frequently asked questions

Is Grupo Profuturo, S.A. (GPROFUT) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of 185.50 MXN versus a price of 126.40 MXN, about +47% (undervalued).
What is the fair value of GPROFUT?
Our model-based fair value for Grupo Profuturo, S.A. is 185.50 MXN (as of Jul 15, 2026), built from audited fundamentals. The current price is 126.40 MXN.
What is the quality score of GPROFUT?
Grupo Profuturo, S.A. 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 revenue of Grupo Profuturo, S.A. (GPROFUT)?
Grupo Profuturo, S.A. reported trailing-twelve-month revenue of about 36.9B MXN (latest available figure, as of Jul 15, 2026).
What is the net profit margin of GPROFUT?
The net profit margin of Grupo Profuturo, S.A. is about 11.2%, meaning it keeps roughly 11.2% of revenue as net income. Based on the latest reported figures.

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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