4 models fit Gentera and they disagree: 1 of 4 land within 15% of the average.
Two or more of our models back this value.
Large discount(i)Bronze55
Valued as a mature, profitable company: Discounted cash flow, P/E comparison, Graham number, and Dividend discount.
ACCE opinionGentera (GENTERA.MX)
Fair value (4 models)
MXN 54.95
ACCE price target
MXN 45.20
Rating
Undervalued
Horizon
12 months
Fair value published on 23 Oct 2026, 12:04 CEST; previously MXN 66.67 since 18 Oct 2026, 00:00 CEST.
ACCE price target published on 17 Oct 2026, 00:00 CEST.
Rating published on 21 Oct 2026, 11:06 CEST.
Price used: MXN 37.41 at the close on 23 Oct 2026, 23:00 CEST.
Models: Discounted cash flow, P/E comparison, Graham number, and Dividend discount.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
Price vs fair value
31.9% below
+46.9% to fair value
ACCE score
59
out of 100
P/E
6.7x
forward 7.7x
1-year return
-19.1%
Dividend yield
0.00%
Gentera in four questions
Plain answers, details below
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Overview
ACCE thesis
Gentera is a Mexican microfinance lender that makes small group and individual loans to low-income borrowers, mostly women, through a branch network across the country. Its moat is the dense, relationship-based origination model that is hard to replicate with digital-only competitors, and the data we have does not include revenue growth or returns, so that edge is a thesis to test rather than a number we can confirm. The near-term catalyst is the cyclical recovery in Mexican consumer credit and any improvement in credit costs, which would flow directly to earnings. At a trailing P/E of 7.4 and a forward P/E of 6.2 on a 63.2B MXN market cap, the stock is priced for little growth, so the question for a deeper look is whether loan book quality and margins are stable enough to justify that discount. Start with asset quality and the spread between lending yields and funding costs before anything else.
⚠ Investor warnings · 2 flagsAI-assisted·How I use AI
high
Earnings falling sharply
Earnings are down 60.5% year on year while revenue grew 9.1%, so margins are compressing even as the top line grows. The P/E of 6.7 partly reflects that drop.
moderate
Short interest unknown
Short interest is not available in the data, so positioning pressure cannot be assessed. Insiders hold 30.5%, which is concentrated ownership.
AI research notes
AI-assisted·How I use AIWritten Oct 24, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
Free cash flow over the last twelve months reached MXN 8.8B, a large amount against a share price of MXN 37.41.
Return on equity of 26.2% and a net margin of 22.8% show the business earns strong returns on what it lends and owns.
The trailing P/E of 6.7x sits far below the sector median forward P/E of 12.0x, a wide discount on earnings.
Why it could disappoint
Revenue growth slowed to +9.1% year over year, well below the +21.9% average the company delivered over five years.
The reverse DCF implies yearly cash flow shrinking 5.0% over five years, so the price already assumes a decline.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Feb 24, 2027
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
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Valuation
INVESTOR
Where GENTERA.MX's valuation models land
Price
MXN 37.41
Model fair value
MXN 54.95
Model range
MXN 19.72 to MXN 79.95
Fair value MXN 54.95
Price MXN 37.41
The price sits inside the model range.
Model
Fair value
Upside
Discounted cash flow
Dividend discount
Graham number
P/E comparison
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Quality
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Analysts
Wall Street consensus
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Analyst intelligence INVESTOR FEATURE
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
+Price-target low / average / high vs the current price, with implied upside
+Forward revenue and EPS consensus by fiscal year
+ACCE fair-value models lined up against the Street
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