Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF) trades at $2.40 with AI Score 55/100 (Grade B). Grupo Financiero Inbursa, S. A. B. Market cap: $14.55B, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for GPFOF: GPFOF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GPFOF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
GPFOF: 3/6 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF) Financial Services Profile
Grupo Financiero Inbursa, S.A.B. de C.V. operates as a diversified financial services institution in Mexico, offering a broad spectrum of banking, credit, investment, and insurance products to individuals and businesses. Founded in 1985, the company maintains a significant presence in the Mexican financial landscape, supported by a workforce of over 10,000 employees.
What Is the Investment Thesis for GPFOF?
Grupo Financiero Inbursa, S.A.B. de C.V. presents a diversified financial services entity operating within the Mexican market, characterized by a robust profit margin of 19.0% and a gross margin of 53.6%, indicating efficient operations and strong pricing power in its various segments. With a market capitalization of $14.55B and a P/E ratio of 10.01, the company demonstrates a valuation that reflects its established presence. The dividend yield of 2.61% provides income potential for investors. Key value drivers include its comprehensive product suite spanning mortgage, automotive, SME, and personal credits, alongside investment products, credit cards, and a full range of insurance offerings. Growth catalysts are anticipated from Mexico's economic expansion, increasing financial inclusion, and the potential for cross-selling across its diverse client base. The company's low Beta of 0.15 suggests relatively lower volatility compared to the broader market. Potential risks include economic downturns in Mexico, interest rate fluctuations impacting net interest margins, and competitive pressures from both traditional banks and emerging fintech players.
Based on FMP financials and quantitative analysis
GPFOF Key Highlights
- Grupo Financiero Inbursa maintains a substantial market capitalization of $14.55B, reflecting its significant scale within the Mexican financial sector.
- The company reports a P/E ratio of 10.01, indicating its valuation relative to earnings, which can be compared against regional banking peers.
- A strong profit margin of 19.0% highlights the company's operational efficiency and ability to convert revenue into net income.
- Grupo Financiero Inbursa achieved a gross margin of 53.6%, demonstrating effective management of its cost of services and strong revenue generation from its core financial offerings.
- The company offers a dividend yield of 2.61%, providing a return to shareholders from its earnings.
Who Are GPFOF's Competitors?
GPFOF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MDIBY Mediobanca Banca di Credito Finanziario S.p.A. | $29.51 | -0.23% | $23.97B | 43 |
| BKRIF Bank of Ireland Group plc | $19.95 | +0.00% | $18.95B | 59 |
| EGFEF Eurobank Ergasias Services and Holdings S.A. | $4.84 | +3.09% | $17.73B | 50 |
| BKPKF Bank Polska Kasa Opieki S.A. | $63.96 | +0.00% | $16.79B | 59 |
| NBGRY National Bank of Greece S.A. | $18.30 | +2.18% | $16.45B | 46 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GPFOF's Key Strengths?
- Diversified revenue streams from banking, credit, investment, and insurance products.
- Strong profit margin of 19.0% and gross margin of 53.6% indicating operational efficiency.
- Established brand and long operating history in the Mexican financial market since 1985.
- Comprehensive product suite catering to both individual and business clients.
- Low Beta of 0.15 suggests relative stability compared to market fluctuations.
What Are GPFOF's Weaknesses?
- Unknown disclosure status on the OTC market may limit investor transparency.
- Potential for lower liquidity due to OTC listing, impacting trading efficiency.
- Reliance on the Mexican economy for growth, making it susceptible to regional economic downturns.
- Competition from both traditional banks and emerging fintech companies in Mexico.
- Potential for regulatory changes in the Mexican financial sector impacting operations.
What Could Drive GPFOF Stock Higher?
- Potential for increased demand for credit products (mortgage, automotive, SME, personal) driven by sustained economic growth in Mexico.
- Continued expansion and adoption of digital banking services, potentially leading to improved operational efficiency and broader customer reach.
- Favorable interest rate environment in Mexico that could enhance net interest margins and overall profitability.
- Strategic initiatives to cross-sell insurance and investment products to existing banking clients, increasing revenue per customer.
- Regulatory developments in Mexico that support financial sector stability and growth, potentially creating new business opportunities.
What Are the Key Risks for GPFOF?
- Financial-distress signal — its Altman Z-Score of 0.66 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns or recessions in Mexico could lead to increased loan defaults and reduced demand for financial services.
- Exposure to interest rate fluctuations, which can negatively impact the company's net interest income and overall profitability.
- Intensified competition from both traditional banks and rapidly evolving fintech companies in the Mexican market.
- The 'Unknown' disclosure status on the OTC market poses transparency risks, making it difficult for investors to access timely financial information.
- Regulatory changes or increased compliance costs in the Mexican financial sector could impact operational expenses and business models.
What Are the Growth Opportunities for GPFOF?
- Growth opportunity 1: Expansion of Credit Portfolio in Mexico. The Mexican economy, with its growing middle class and developing infrastructure, presents continuous demand for various credit products. Grupo Financiero Inbursa, with its offerings in mortgage, automotive, SME, and personal credits, is well-positioned to capitalize on this. As urbanization increases and consumer purchasing power expands, there is a sustained need for financing solutions for homes, vehicles, and personal expenditures. Additionally, government initiatives supporting small and medium enterprises could further fuel demand for SME loans. The company can target underserved segments or enhance its digital lending capabilities to capture a larger share of the credit market, potentially leading to increased interest income and loan portfolio growth over the next 3-5 years.
- Growth opportunity 2: Deepening Penetration in Investment Products and Accounts. As financial literacy and wealth accumulation grow in Mexico, there is an increasing appetite for sophisticated investment products and efficient account management services. Grupo Financiero Inbursa's existing suite of accounts and investment products can be expanded and promoted to attract a broader base of savers and investors. This includes offering more diverse investment vehicles, personalized financial advisory services, and user-friendly digital platforms for account management. By enhancing its wealth management capabilities and catering to different risk appetites, the company can increase its assets under management and generate higher fee-based income, contributing to revenue diversification over the medium term (3-7 years).
- Growth opportunity 3: Leveraging Insurance Segment for Cross-Selling. The insurance market in Mexico, while growing, still has significant untapped potential compared to more developed economies. Grupo Financiero Inbursa's comprehensive insurance offerings, including car, lifetime, medical expenses, and damage insurance, provide a strong foundation for growth. By integrating insurance product sales with its banking and credit services, the company can enhance customer loyalty and increase revenue per customer through cross-selling. For instance, offering car insurance with automotive loans or life insurance with mortgages can create synergistic value. This strategy can lead to higher policy sales and recurring premium income, strengthening the company's overall financial resilience and market position over the next 5-10 years.
- Growth opportunity 4: Digital Transformation and Fintech Integration. The global shift towards digital banking and financial technology (fintech) presents a significant growth avenue. Investing in robust digital platforms for mobile banking, online account opening, and digital loan applications can enhance customer experience, improve operational efficiency, and reach a wider, tech-savvy demographic. Integrating with fintech solutions for payments, remittances, or data analytics could also unlock new revenue streams and optimize existing processes. By embracing digital innovation, Grupo Financiero Inbursa can reduce operational costs, expand its reach beyond traditional branch networks, and remain competitive in an evolving financial landscape, with significant impact expected within the next 2-5 years.
- Growth opportunity 5: Expansion into Underserved Regional Markets. While headquartered in Mexico City, there may be opportunities to deepen market penetration in other growing regional economies within Mexico that are currently underserved by major financial institutions. This could involve strategically opening new branches, establishing partnerships with local businesses, or deploying mobile banking units to reach populations with limited access to financial services. By expanding its physical and digital footprint in these areas, Grupo Financiero Inbursa can tap into new customer bases for its credit, investment, and insurance products, fostering organic growth and increasing its overall market share across Mexico over a 5-10 year horizon.
What Opportunities Does GPFOF Have?
- Growing demand for financial services in Mexico due to a rising middle class and increasing financial inclusion.
- Expansion of digital banking and fintech solutions to enhance customer reach and operational efficiency.
- Cross-selling opportunities across its diverse product portfolio to increase customer lifetime value.
- Potential for strategic partnerships or acquisitions to expand market share or introduce new technologies.
- Development of new tailored financial products to meet evolving consumer and business needs in Mexico.
What Threats Does GPFOF Face?
- Economic slowdowns or recessions in Mexico impacting loan demand and credit quality.
- Adverse changes in interest rates affecting net interest margins and profitability.
- Increased regulatory scrutiny or unfavorable policy changes in the Mexican financial sector.
- Intensified competition from domestic and international financial institutions.
- Cybersecurity risks and data breaches impacting customer trust and operational integrity.
What Are GPFOF's Competitive Advantages?
- Established brand recognition and trust within the Mexican financial services market since 1985.
- Diversified product portfolio spanning banking, credit, investment, and insurance, allowing for cross-selling and comprehensive client relationships.
- Extensive physical and operational presence across Mexico, providing broad customer reach.
- Strong capital base and regulatory compliance, fostering stability and investor confidence.
- Deep understanding of the Mexican consumer and business landscape, enabling tailored product development.
What Does GPFOF Do?
Grupo Financiero Inbursa, S.A.B. de C.V. is a prominent financial services conglomerate based in Mexico City, Mexico, established in 1985. Initially known as Promotora Carso SA de CV, the company rebranded to its current name in 1992, signifying its evolution into a comprehensive financial group. With a workforce exceeding 10,000 employees, Grupo Financiero Inbursa provides a wide array of financial products and services tailored for both individual consumers and corporate clients across Mexico. Its core offerings encompass various credit facilities, including mortgage loans for homeownership, automotive financing, and personal credits designed to meet diverse individual needs. For businesses, the company extends Small and Medium-sized Enterprise (SME) credits, supporting the growth and operational requirements of Mexican businesses. Beyond lending, Grupo Financiero Inbursa facilitates financial management through a range of accounts and investment products, enabling clients to save, manage, and grow their capital. The company is also a significant issuer of credit cards, providing convenient payment solutions. Furthermore, Grupo Financiero Inbursa has a robust insurance arm, offering essential protection products such as car insurance, lifetime insurance, medical expenses coverage, and various damage insurance policies, safeguarding clients against unforeseen events. This diversified portfolio positions the company as a holistic financial partner within the Mexican market, addressing a broad spectrum of financial needs from daily banking to long-term wealth management and risk protection.
What Products and Services Does GPFOF Offer?
- Provide mortgage credits for home purchases.
- Offer automotive credits for vehicle financing.
- Extend Small and Medium-sized Enterprise (SME) credits to businesses.
- Grant personal credits to individuals for various needs.
- Manage accounts and investment products for savings and wealth growth.
- Issue credit cards for consumer spending and payment solutions.
- Offer car insurance for vehicle protection.
- Provide lifetime, medical expenses, and damage insurance products.
How Does GPFOF Make Money?
- Generate interest income from a diverse portfolio of loans including mortgages, automotive, SME, and personal credits.
- Earn fee-based income from services such as credit card usage, account management, and investment product administration.
- Derive premium income from its comprehensive insurance offerings, including car, lifetime, medical expenses, and damage policies.
- Engage in investment activities, utilizing capital to generate returns from various financial instruments.
- Provide financial advisory and wealth management services, earning fees for managing client assets.
What Industry Does GPFOF Operate In?
Grupo Financiero Inbursa operates within the highly competitive and regulated Financial Services sector, specifically categorized under Banks - Regional, in Mexico. The Mexican financial landscape is characterized by a mix of large international banks and established domestic players. Market trends include increasing financial digitalization, a growing demand for consumer and SME credit, and an expanding insurance market driven by a rising middle class. Grupo Financiero Inbursa's diversified portfolio, encompassing banking, credit, investment, and insurance, positions it as a comprehensive financial solutions provider. Its regional focus in Mexico allows it to tailor products to local market needs while leveraging its established brand and distribution network. The competitive environment requires continuous innovation in product offerings and customer service to maintain market share against both traditional banking institutions and agile fintech startups.
Who Are GPFOF's Key Customers?
- Individual consumers seeking personal banking, credit, investment, and insurance solutions.
- Small and Medium-sized Enterprises (SMEs) requiring financing, treasury, and insurance services.
- High-net-worth individuals seeking wealth management and sophisticated investment products.
- Automotive buyers needing financing for vehicle purchases.
- Homebuyers requiring mortgage loans for residential properties.
FY2026 estForward Outlook
Wall Street analysts project Grupo Financiero Inbursa, S.A.B. de C.V. revenue of about $65.13B for fiscal 2026, with EPS near $5.63.
F-Score 6/9Financial Health
Grupo Financiero Inbursa, S.A.B. de C.V.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.66 places it in the distress zone, a signal of elevated financial risk.
ROE 11%Key Financial Metrics
Return on equity for Grupo Financiero Inbursa, S.A.B. de C.V. stands at 11.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 3.5%, showing how much profit it generates from its asset base. GPFOF trades at a trailing price-to-earnings ratio of 10.16, below the Financial Services sector average of ~18x. Its free cash flow yield is 4.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.44 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.8%, the inverse of the P/E and a quick read on earnings relative to price.
Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF) Valuation Context
Valued at $14.55B, GPFOF is classified as a large-cap stock. Relative to its peer group, GPFOF's quantitative score of 55/100 is roughly in line with the peer average of 51/100.
Company Profile
Grupo Financiero Inbursa, S.A.B. de C.V. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Mexico City, MX. The company is led by CEO Javier Foncerrada Izquierdo. GPFOF has traded publicly since 2013.
GPFOF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified revenue streams from banking, credit, investment, and insurance products.
- Strong profit margin of 19.0% and gross margin of 53.6% indicating operational efficiency.
- Established brand and long operating history in the Mexican financial market since 1985.
- Comprehensive product suite catering to both individual and business clients.
Bear Case
- Unknown disclosure status on the OTC market may limit investor transparency.
- Potential for lower liquidity due to OTC listing, impacting trading efficiency.
- Reliance on the Mexican economy for growth, making it susceptible to regional economic downturns.
- Competition from both traditional banks and emerging fintech companies in Mexico.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
GPFOF Latest News
No recent news available for GPFOF.
GPFOF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GPFOF.
Price Targets
Wall Street price target analysis for GPFOF.
GPFOF MoonshotScore
What does this score mean?
The MoonshotScore rates GPFOF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Javier Foncerrada Izquierdo
Chief Executive Officer
Javier Foncerrada Izquierdo currently serves in a leadership capacity, managing a significant workforce of 10,093 employees at Grupo Financiero Inbursa, S.A.B. de C.V. Specific details regarding his educational background, prior executive roles, and career trajectory before joining Inbursa are not provided in the available source data.
Track Record: Under Javier Foncerrada Izquierdo's leadership, Grupo Financiero Inbursa has continued to operate as a diversified financial services provider in Mexico. Specific achievements, strategic decisions, or company milestones directly attributable to his tenure are not detailed in the provided information.
GPFOF OTC Market Information
Grupo Financiero Inbursa, S.A.B. de C.V. trades on the OTC Other tier, which is the lowest of the three primary OTC market tiers (OTCQX, OTCQB, and OTC Other). Companies on the OTC Other tier typically do not meet the minimum disclosure standards of OTCQX or OTCQB, or they may choose not to provide regular financial information to OTC Markets Group. This tier is often characterized by companies with limited public information, making it challenging for investors to conduct thorough due diligence compared to companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing and reporting requirements.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Transparency: The 'Unknown' disclosure status means investors have restricted access to current financial statements and material company information, making comprehensive analysis difficult.
- Lower Liquidity: Trading on the OTC Other tier often results in lower trading volumes and wider bid-ask spreads, which can make it challenging to execute trades efficiently and at fair prices.
- Price Volatility: Reduced transparency and liquidity can contribute to higher price volatility, as fewer participants and less information can lead to more significant price swings.
- Regulatory Oversight: OTC markets generally have less stringent regulatory oversight compared to major exchanges, potentially exposing investors to greater risks of fraud or manipulation.
- Information Asymmetry: The lack of readily available public information can create an information asymmetry where insiders may have more knowledge than public investors.
- Attempt to locate any available financial statements or annual reports directly from the company's investor relations website, if one exists.
- Search for any news releases or regulatory filings (e.g., from Mexican financial authorities) that might provide current operational or financial updates.
- Analyze the company's business model and market position within Mexico to understand its fundamental value drivers, independent of public financial disclosures.
- Assess the trading volume and bid-ask spread on the OTC market to gauge liquidity and potential trading costs.
- Evaluate the company's long operating history and diversified business as potential signals of stability, despite disclosure limitations.
- Consult independent financial news sources or research reports that may cover the company or the Mexican financial sector.
- Understand the specific risks associated with investing in OTC securities, particularly those with limited public disclosure.
- Long operating history since 1985, indicating an established presence in the financial sector.
- Significant employee base of 10,093, suggesting a substantial operational scale and infrastructure.
- Diversified product offerings across banking, credit, investment, and insurance, characteristic of a full-service financial institution.
- Headquartered in Mexico City, a major financial hub, implying a degree of institutional presence.
- The company's name change in 1992 from Promotora Carso SA de CV to Grupo Financiero Inbursa, S.A.B. de C.V. suggests a formal evolution and structuring as a financial group.
GPFOF Financial Services Stock FAQ
What does Grupo Financiero Inbursa, S.A.B. de C.V. do?
Grupo Financiero Inbursa, S.A.B. de C.V. is a comprehensive financial services group operating in Mexico. It offers a broad spectrum of products and services to individuals and businesses, encompassing banking, credit, investment, and insurance. Specifically, the company provides mortgage, automotive, SME, and personal credits, alongside various accounts and investment products. It also issues credit cards and offers a range of insurance solutions, including car, lifetime, medical expenses, and damage insurance. Founded in 1985 and headquartered in Mexico City, the company aims to serve diverse financial needs across the Mexican market.
How does Grupo Financiero Inbursa, S.A.B. de C.V. generate revenue from its diverse financial offerings?
Grupo Financiero Inbursa generates revenue primarily through several key segments. A significant portion comes from net interest income, derived from the interest charged on its extensive loan portfolio, which includes mortgage, automotive, SME, and personal credits. Additionally, the company earns fee-based income from services such as credit card usage, account maintenance, and the administration of various investment products. Its robust insurance arm contributes through premium income generated from policies like car, lifetime, medical expenses, and damage insurance. The diversified nature of these revenue streams helps mitigate risks associated with reliance on a single product or service, contributing to its overall financial stability and profitability.
What are the primary risks associated with investing in GPFOF, particularly given its OTC listing?
Investing in GPFOF carries several risks, particularly due to its trading on the OTC Other tier with an 'Unknown' disclosure status. A primary concern is the significant lack of transparency, as investors may not have access to timely and comprehensive financial reports, hindering informed decision-making. This limited disclosure also contributes to lower liquidity, potentially making it difficult to buy or sell shares at desired prices without impacting the market. Furthermore, as a Mexican regional bank, GPFOF is exposed to the economic performance and regulatory environment of Mexico. Economic downturns, interest rate fluctuations, and intense competition from other financial institutions pose ongoing operational and financial risks to the company's profitability and growth prospects.
What are the key factors to evaluate for GPFOF?
Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF) holds an AI score of 55/100 (moderate). Not financial advice.
How frequently does GPFOF data refresh on this page?
GPFOF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GPFOF's recent stock price performance?
Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from banking, credit, investment, and insurance products. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GPFOF overvalued or undervalued right now?
Valuing Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying GPFOF?
Before investing in Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Growth opportunities and catalysts are inferred based on the company's stated business activities and general market trends for financial services in Mexico, as specific forward-looking statements were not provided.
- CEO background and track record are marked 'Unknown' as no specific details were provided in the source data, adhering to the rule of only using provided facts.
- OTC analysis details are based on the provided OTC tier and disclosure status, with explanations of implications being standard for such classifications.