EN DE
Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation

Value Grupo Financiero S.A.B. de C.V (VALUEGFO) fair value: what the stock is really worth

As of Jul 16, 2026: fair value of Value Grupo Financiero S.A.B. de C.V MXN 17.56, price MXN 60.00, upside -70.7%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Financial Services · MX · ISIN MXP800761019

VG Thin data Sep 24, 2026

Value Grupo Financiero S.A.B. de C.V

VALUEGFO · MX

Weakest SetupStrongly overvalued and low quality.

!Fair value 17.56 MXN · Strongly overvalued (−70.7%)
!Quality 40/100
!Mixed Growth (revenue 5y +7.7 %/yr)
!Loss over the last twelve months · -6.3% net margin (TTM) · fiscal year 2025 2.0%
!Low debt · negative free cash flow
!Trails peers (4/11)
!Narrow moat 40/100
!Evidence only low, so the estimate is less certain
Watch Value Grupo Financiero S.A.B. de C.V for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card. Watch for free Pro now: $1 first month

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

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

155.00 MXN 60.00 MXN Fair Value 17.56 MXN Apr 2021 Jul 2026

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 60.00 MXN – 155.00 MXN · fair‑value band 15.88 MXN – 17.56 MXN · the 60.00 MXN price screens above the 17.56 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.

Follow Value Grupo Financiero S.A.B. de C.V in your weekly email

Every Wednesday you see whether Value Grupo Financiero S.A.B. de C.V is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Value Grupo Financiero, S.A.B. de C.V. provides various financial services. The company provides brokerage, credit, operational and financial leasing, factoring transactions, stock market intermediary, and other services.

Show more

Value Grupo Financiero, S.A.B. de C.V. provides various financial services. The company provides brokerage, credit, operational and financial leasing, factoring transactions, stock market intermediary, and other services. It is also involved in the purchase, sale and repurchase agreements for securities; arbitration transactions; promotion and marketing of securities and other activities. The company was formerly known as Grupo Financiero Fina Value SA de CV and changed its name to Value Grupo Financiero, S.A.B. de C.V. in May 2000. Value Grupo Financiero, S.A.B. de C.V. was incorporated in 1992 and is based in San Pedro Garza García, Mexico.

Stock analysis

Value Grupo Financiero S.A.B. de C.V (VALUEGFO) currently trades at 60.00 MXN, while our model-based Fair Value estimate is 17.56 MXN, 70.7% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Asset-Based group reads highest at a median of 21.31 MXN per share, and 0 of the 6 models we run sit above the 60.00 MXN price.

Bear case: the Multiples group reads lowest at 3.41 MXN, and 6 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: 15.88 MXN (bear) to 17.56 MXN (bull), the price of 60.00 MXN sits above 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 40/100 (below-average quality), in the Financial Services sector.

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

Value Grupo Financiero S.A.B. de C.V reported revenue of 2.1B MXN in FY2025 versus 2.2B MXN in FY2021, a compound −1.4%/yr. Reported net income was 41.9M MXN in FY2025, compounding −48.8%/yr from FY2021.

Key figures

Market cap 9.6B MXN (≈ $529M) · P/E ratio 2.0 · P/S ratio 0.04 · EPS (TTM) 30.00 MXN · Net margin 2.0% · Return on equity −2.5% · Return on assets (EBIT) 6.1% · Operating margin 35.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 22% 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 −15% fair-value upside, at −71%, VALUEGFO screens richer than that median.

Fair Value models

Bear 15.88 MXN Fair Value 17.56 MXN Bull 17.56 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 (22.68 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. 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 20.29 MXN 18.29 MXN 17.24 MXN 68
P/E Multiple 2.55 MXN 3.41 MXN 4.26 MXN 63
Graham-Dodd 1.78 MXN 12.42 MXN 17.43 MXN 61
All 6 models by family
Earnings-Based
Graham-Dodd 1.78 MXN 12.42 MXN 17.43 MXN 61
Lynch FV 6.42 MXN 9.17 MXN 11.92 MXN 59
Multiples
P/E Multiple 2.55 MXN 3.41 MXN 4.26 MXN 63
P/B Multiple 3.34 MXN 4.45 MXN 5.57 MXN 55
Asset-Based
NCAV (Graham) 15.90 MXN 21.31 MXN 31.81 MXN 54
Economic Profit
Residual Income 20.29 MXN 18.29 MXN 17.24 MXN 68

Open the full fair value analysis →

Notify me when VALUEGFO reaches fair value

Put VALUEGFO on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.

Set up alert →

Quality Score breakdown

Overall quality 40/100

Of which business quality 36 · Market factors (momentum, volatility) 42

Profitability 12
Margins and returns on capital today
Quality Growth 80
Are margins and returns improving?
Cashflow 5
Earnings quality: real cash, not paper profit
Fin. Strength 21
Balance sheet, leverage, solvency risk
Investment 50
Disciplined investing over empire-building
Low Volatility 94
Calm price path (market factor)
Momentum 28
Price trend over the last 3–12 months (market factor)
52W Momentum 6
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

Open the full quality analysis →

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. 29/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+40.3%
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.
+7.7%
Start year 2020 (pandemic). Over 10 years: +0.2% a year
Revenue growth 23 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.
+5.8%
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.
60.4% (2014) → 41.2% (2019)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
not computed

VALUEGFO screens overvalued: fair value 71% below the price. Compare with Morgan Stanley, a financial holding company, →

Compare Value Grupo Financiero S.A.B. de C.V with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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.Capital Markets · 462 stocks

Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside −70.7% · Bottom 25%
Profitability
Return on assets −0.6% · Bottom 25%
Net margin (TTM) −6.3% · Bottom 25%
Operating margin (TTM) 35.6% · Above median
Growth and dividend
Revenue growth −0.4% · Below median
Balance sheet
Debt / equity 0.50× · Highest 25%

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (TTM) 2.0× · Cheapest 25%
P/B 0.10× · Cheapest 25%
P/S (TTM) 0.25× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 35
FUTURE (revenue growth)0 · sector 88
PAST (return on equity)0 · sector 32
HEALTH (low debt)75 · sector 95
DIVIDEND (yield)0 · sector 44

VALUE 0: the price sits above our fair-value range.

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 Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $188.08 $314.07 +67%
The Goldman Sachs Group GS $900.36 $766.86 −15%
The Charles Schwab Corporation SCHW $97.74 $118.07 +21%
Interactive Brokers Group IBKR $89.24 $23.12 −74%
Robinhood Markets, Inc HOOD $116.22 $47.77 −59%
Macquarie Group MQG A$245.63 A$80.51 −67%
CITIC Securities Company 600030 ¥26.29 ¥18.35 −30%
Guotai Haitong Securities Co 601211 ¥17.21 ¥19.35 +12%
East Money Information Co 300059 ¥18.28 ¥4.94 −73%
Nomura Holdings NMR $9.91 $10.19 +3%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names ⭐ Top Rated 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Calculator with industry benchmark Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
DCF CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorFama-French ModelIntrinsic Value
For bloggers & editors: embed code + live data

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.

Value Grupo Financiero S.A.B. de C.V · Fair Value
17.56 MXN −71%Fair Value
Calculator →

Cite: Fair Value Calculator (2026). "Value Grupo Financiero S.A.B. de C.V Fair Value". https://www.fairvalue-calculator.com/stock/VALUEGFO

Frequently asked questions

Is Value Grupo Financiero S.A.B. de C.V (VALUEGFO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 17.56 MXN versus the last price from Jul 16, 2026 of 60.00 MXN, about −71% upside (overvalued).
What is the fair value of VALUEGFO?
Our model-based fair value for Value Grupo Financiero S.A.B. de C.V is 17.56 MXN (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 16, 2026): 60.00 MXN.
What is the quality score of VALUEGFO?
Value Grupo Financiero S.A.B. de C.V has a Quality Score of 40/100. 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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
Our model-based price target is the fair value of 17.56 MXN (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 15.88 MXN, optimistic scenario 17.56 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the Value Grupo Financiero S.A.B. de C.V stock forecast for 2026?
Our models put fair value at 17.56 MXN, about −71% upside versus the last price from Jul 16, 2026 of 60.00 MXN (overvalued). Cautious scenario 15.88 MXN, optimistic scenario 17.56 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
Value Grupo Financiero S.A.B. de C.V reported trailing-twelve-month revenue of about 2.1B MXN (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Value Grupo Financiero S.A.B. de C.V it is 17.56 MXN per share (as of Sep 24, 2026), against a price of 60.00 MXN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Value Grupo Financiero S.A.B. de C.V stock overvalued or undervalued in 2026?
As of Sep 24, 2026, VALUEGFO trades above its calculated fair value: price 60.00 MXN, fair value 17.56 MXN, a gap of about −71% (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 VALUEGFO?
No. The price is what the market pays today (60.00 MXN); the fair value is what the company's own numbers justify (17.56 MXN). For Value Grupo Financiero S.A.B. de C.V the two are 42.44 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is Value Grupo Financiero S.A.B. de C.V worth?
The market values Value Grupo Financiero S.A.B. de C.V at about 9.6B MXN (market capitalisation, as of Sep 24, 2026). Per share that is 60.00 MXN; our models calculate a fair value of 17.56 MXN per share.
What do the bullish and bearish scenarios say about VALUEGFO?
Our models span a range for Value Grupo Financiero S.A.B. de C.V: cautious scenario 15.88 MXN, base 17.56 MXN, optimistic 17.56 MXN per share (as of Sep 24, 2026, price 60.00 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VALUEGFO?
Value Grupo Financiero S.A.B. de C.V trades at a price-to-earnings ratio of 2.0 (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 17.56 MXN is built from several models across several years. Other multiples: P/B 0.1, P/S 0.3.
How solid is the balance sheet of Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
Balance-sheet figures for Value Grupo Financiero S.A.B. de C.V (as of Sep 24, 2026): return on equity −2.5%, debt of 0.50 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is VALUEGFO from its 52-week high?
Value Grupo Financiero S.A.B. de C.V trades at 60.00 MXN, about 22% below its 52-week high of 77.25 MXN and at the low of 60.00 MXN (as of Jul 16, 2026). Distance from the high says nothing about value: that is what the fair value of 17.56 MXN is for.
Which stocks are comparable to Value Grupo Financiero S.A.B. de C.V?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers 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 Value Grupo Financiero S.A.B. de C.V stock attractive at the current price?
The data as of Sep 24, 2026: price 60.00 MXN, calculated fair value 17.56 MXN (−71%), Quality Score 40/100, 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 VALUEGFO calculated?
We run Value Grupo Financiero 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 17.56 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 14.5 % above its aggregate fair value. Value Grupo Financiero 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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
The latest price we hold is from Jul 16, 2026 and stands at 60.00 MXN. Our model-based fair value is 17.56 MXN, about −71% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Value Grupo Financiero S.A.B. de C.V right now?
The price sits above even our optimistic bull case (17.56 MXN). The favourable scenario is already priced in. Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. The models converge in a tight band (15.88 MXN to 17.56 MXN), unusually little disagreement for a valuation.

Key figures of Value Grupo Financiero S.A.B. de C.V

How large is the market capitalisation of Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
The market capitalisation of Value Grupo Financiero S.A.B. de C.V is 9.6B MXN (≈ $529M). 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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
The price-to-sales ratio of Value Grupo Financiero S.A.B. de C.V is 0.04 (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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
Earnings per share at Value Grupo Financiero S.A.B. de C.V are 30.00 MXN (price ÷ EPS = P/E 2.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
The net margin of Value Grupo Financiero S.A.B. de C.V is 2.0% (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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
The return on equity (ROE) of Value Grupo Financiero S.A.B. de C.V is −2.5% (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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
On an EBIT basis the return on assets of Value Grupo Financiero S.A.B. de C.V is 6.1% (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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
The operating margin of Value Grupo Financiero S.A.B. de C.V is 35.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Value Grupo Financiero S.A.B. de C.V (VALUEGFO)?
Revenue at Value Grupo Financiero S.A.B. de C.V is growing −0.4% versus a year earlier (3y avg +207%). 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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO) generate?
The free cash flow of Value Grupo Financiero S.A.B. de C.V is −626M 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 Value Grupo Financiero S.A.B. de C.V (VALUEGFO) carry?
The net debt of Value Grupo Financiero S.A.B. de C.V is 9.7B MXN (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Value Grupo Financiero S.A.B. de C.V in the live analysis

One click puts Value Grupo Financiero S.A.B. de C.V on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.