Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOY)
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. (GPFOY) trades at $12.50. Grupo Financiero Inbursa, S. A. B. Market cap: $15.25B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for GPFOY: GPFOY 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 GPFOY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
GPFOY: 1/1 perspectives are bearish.
How is this calculated? →Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOY) Financial Services Profile
Grupo Financiero Inbursa, founded in 1985, provides diverse financial products and services in Mexico, including lending, investment products, credit cards, and insurance. With a market capitalization of $15.25B and a P/E ratio of 12.89, Inbursa competes with regional banks while navigating the evolving financial landscape.
What Is the Investment Thesis for GPFOY?
Grupo Financiero Inbursa presents a compelling investment case based on its established position in the Mexican financial market and diversified product offerings. With a market capitalization of $15.25B and a profit margin of 21.6%, Inbursa demonstrates financial stability and profitability. The company's dividend yield of 2.33% offers an attractive income stream for investors. Key growth catalysts include expanding its SME lending portfolio and capitalizing on the increasing demand for insurance products in Mexico. However, potential risks include exposure to economic fluctuations in Mexico and increasing competition from fintech companies. The company's beta of 0.59 suggests lower volatility compared to the market, appealing to risk-averse investors. Continued focus on digital transformation and strategic partnerships will be crucial for sustaining growth and maintaining a competitive edge.
Based on FMP financials and quantitative analysis
GPFOY Key Highlights
- Market capitalization of $15.25B indicates a strong market presence and investor confidence.
- P/E ratio of 12.89 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 21.6% demonstrates efficient operations and profitability.
- Gross margin of 58.1% reflects the company's ability to manage its cost of goods and services effectively.
- Dividend yield of 2.33% provides a steady income stream for investors.
Who Are GPFOY's Competitors?
GPFOY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ALBKF Alpha Services and Holdings S.A. | $3.60 | +0.00% | $8.32B | 50 |
| BGKKF Bangkok Bank Public Company Limited | $4.99 | +0.00% | $9.53B | 63 |
| BKAYY Bank of Ayudhya Public Company Limited | $22.17 | -14.75% | $8.15B | 62 |
| FXFLF Fairfax Financial Holdings Limited | $16.59 | +3.37% | $16.84B | — |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GPFOY's Key Strengths?
- Diversified financial product offerings.
- Established presence in the Mexican market.
- Strong brand recognition and customer loyalty.
- Solid financial performance with healthy profit margins.
What Are GPFOY's Weaknesses?
- Exposure to economic fluctuations in Mexico.
- Dependence on the Mexican market for revenue.
- Potential for increased competition from fintech companies.
- Regulatory compliance challenges.
What Could Drive GPFOY Stock Higher?
- Expansion of SME lending portfolio to drive revenue growth.
- Increasing demand for insurance products in Mexico.
- Digital transformation initiatives to improve customer experience and operational efficiency.
- Strategic partnerships to expand reach and product offerings.
What Are the Key Risks for GPFOY?
- Financial-distress signal — its Altman Z-Score of 0.81 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Mexico impacting loan performance.
- Increased competition from fintech companies.
- Changes in regulatory environment affecting financial operations.
- Cybersecurity risks and data breaches.
What Are the Growth Opportunities for GPFOY?
- Expanding SME Lending Portfolio: The Mexican SME sector represents a significant growth opportunity for Grupo Financiero Inbursa. By offering tailored financial products and services, Inbursa can capture a larger share of this market. The SME sector contributes significantly to the Mexican economy, and increased access to credit can fuel further growth. The Mexican government's initiatives to support SMEs further enhance this opportunity. Timeline: Ongoing.
- Capitalizing on Increasing Insurance Demand: As the Mexican economy grows, there is an increasing demand for insurance products, including life, health, and property insurance. Grupo Financiero Inbursa can leverage its existing insurance offerings and expand its distribution channels to capture a larger share of this market. Increased awareness of insurance benefits and a growing middle class are driving this demand. Timeline: Ongoing.
- Digital Transformation Initiatives: Investing in digital technologies and enhancing online banking platforms can improve customer experience and operational efficiency. Grupo Financiero Inbursa can leverage fintech solutions to offer innovative products and services, attracting a younger demographic and increasing market share. Digital transformation can also reduce costs and improve risk management. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic alliances with other financial institutions and technology companies can expand Grupo Financiero Inbursa's reach and product offerings. Partnerships can provide access to new markets, technologies, and customer segments. Collaborations with fintech companies can accelerate digital transformation and innovation. Timeline: Ongoing.
- Geographic Expansion within Mexico: Expanding its branch network and presence in underserved regions of Mexico can drive growth for Grupo Financiero Inbursa. By targeting areas with limited access to financial services, the company can tap into new customer bases and increase its market share. This expansion can be supported by government initiatives to promote financial inclusion. Timeline: Ongoing.
What Opportunities Does GPFOY Have?
- Expanding SME lending portfolio.
- Capitalizing on increasing insurance demand.
- Digital transformation and innovation.
- Strategic partnerships and alliances.
What Threats Does GPFOY Face?
- Economic downturn in Mexico.
- Increased competition from domestic and international players.
- Changes in regulatory environment.
- Cybersecurity risks and data breaches.
What Are GPFOY's Competitive Advantages?
- Established brand reputation and customer loyalty in the Mexican financial market.
- Diversified product offerings across lending, investment products, credit cards, and insurance.
- Extensive branch network and distribution channels across Mexico.
- Strong relationships with key stakeholders, including government agencies and industry partners.
What Does GPFOY Do?
Grupo Financiero Inbursa, S.A.B. de C.V., established in 1985, has grown into a prominent financial services provider in Mexico. Originally known as Promotora Carso SA de CV, the company rebranded in 1992 to reflect its expanded financial operations. Headquartered in Mexico City, Inbursa offers a comprehensive suite of financial products and services tailored to both individuals and businesses. These offerings include mortgage, automotive, SME, and personal loans, catering to various financing needs across the Mexican economy. In addition to lending, Inbursa provides a range of accounts and investment products designed to help customers manage and grow their wealth. The company also offers credit cards with various features and benefits, enhancing consumer spending and financial flexibility. Furthermore, Inbursa provides diverse insurance products, including car, life, medical expenses, and damage insurance, protecting customers against unforeseen events. With a workforce of 9,215 employees, Grupo Financiero Inbursa has established a significant presence in the Mexican financial market, competing with other regional banks and financial institutions. The company's commitment to providing a broad array of financial solutions has solidified its position as a key player in the Mexican financial sector.
What Products and Services Does GPFOY Offer?
- Provides mortgage loans to individuals and businesses.
- Offers automotive loans for vehicle purchases.
- Provides SME loans to support small and medium-sized enterprises.
- Offers personal loans for various consumer needs.
- Provides accounts and investment products for savings and wealth management.
- Offers credit cards with various features and benefits.
- Provides car insurance to protect against vehicle-related risks.
- Offers life insurance to provide financial security for families.
How Does GPFOY Make Money?
- Generates revenue through interest income from loans, including mortgage, automotive, SME, and personal loans.
- Earns fees from accounts and investment products, such as management fees and transaction fees.
- Collects fees and interest from credit card services.
- Generates premiums from car, life, medical expenses, and damage insurance products.
What Industry Does GPFOY Operate In?
Grupo Financiero Inbursa operates within the Mexican financial services industry, which is characterized by increasing competition and evolving regulatory landscape. The industry is experiencing growth in digital banking and fintech solutions, requiring traditional banks to adapt and innovate. Grupo Financiero Inbursa competes with regional banks such as ALBKF (Alsea, S.A.B. de C.V.), BGKKF (Banco del Bajio, S.A.), BKAYY (Bank of Ayudhya PCL), BMEXF (Banco Mercantil del Norte, S.A.), and FXFLF (Fomento Economico Mexicano, S.A.B. de C.V.). The Mexican banking sector is influenced by macroeconomic factors, including interest rates, inflation, and economic growth, impacting lending and investment activities.
Who Are GPFOY's Key Customers?
- Individuals seeking mortgage, automotive, and personal loans.
- Small and medium-sized enterprises (SMEs) requiring financing for business operations.
- Individuals and businesses seeking accounts and investment products for savings and wealth management.
- Consumers using credit cards for purchases and financial flexibility.
- Individuals and businesses seeking insurance coverage for car, life, medical expenses, and property.
F-Score 4/9Financial Health
Grupo Financiero Inbursa, S.A.B. de C.V.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.81 places it in the distress zone, a signal of elevated financial risk.
GPFOY Valuation & Market Position
With a $15.25B market cap, Grupo Financiero Inbursa, S.A.B. de C.V. sits in the large-cap segment of the market.
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. GPFOY trades at a trailing price-to-earnings ratio of 10.02, below the Financial Services sector average of ~18x. Its free cash flow yield is 4.3%, 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 10.0%, the inverse of the P/E and a quick read on earnings relative to price.
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. GPFOY has traded publicly since 2010.
GPFOY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Insider buying has increased recently, signaling confidence from management in the company's future prospects.
- Community sentiment has turned positive, with discussions highlighting robust growth in financial services and diversification efforts.
- Recent partnerships in fintech are perceived as strategic moves to capture a younger demographic, enhancing their market position.
- Analysts are noting improved operational efficiency, which could lead to stronger profit margins in the coming quarters.
Bear Case
- Concerns about macroeconomic conditions, including inflation and interest rate hikes, are weighing on investor sentiment.
- Some community discussions reflect skepticism about the company’s ability to scale its digital offerings amid rising competition.
- Recent regulatory changes in the financial sector have raised uncertainties, leading to cautious sentiment among traders.
- There is a prevailing fear of a potential slowdown in consumer spending, which could impact financial service demand negatively.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
GPFOY Latest News
No recent news available for GPFOY.
GPFOY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GPFOY.
Price Targets
Wall Street price target analysis for GPFOY.
GPFOY MoonshotScore
What does this score mean?
The MoonshotScore rates GPFOY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Javier Foncerrada Izquierdo
CEO
Javier Foncerrada Izquierdo serves as the CEO of Grupo Financiero Inbursa, overseeing the company's strategic direction and operations. His background includes extensive experience in the financial services industry, with a focus on banking and investment management. He has held various leadership positions in financial institutions, contributing to his deep understanding of the Mexican financial market. His expertise spans across corporate finance, risk management, and regulatory compliance. He is responsible for managing a workforce of 9,215 employees.
Track Record: Under Javier Foncerrada Izquierdo's leadership, Grupo Financiero Inbursa has maintained a strong financial performance and expanded its market presence. He has overseen key strategic initiatives, including digital transformation projects and partnerships to enhance customer experience and operational efficiency. He has also focused on strengthening the company's risk management framework and ensuring compliance with regulatory requirements. Key milestones include expanding the SME lending portfolio and increasing insurance product penetration.
Grupo Financiero Inbursa, S.A.B. de C.V. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company that trades on U.S. stock exchanges. GPFOY is an ADR representing shares of Grupo Financiero Inbursa, allowing U.S. investors to invest in the Mexican financial services company without directly dealing with a foreign exchange. The ADR is denominated in U.S. dollars, simplifying trading and reporting for U.S. investors.
- Home Market Ticker: Bolsa Mexicana de Valores (BMV) in Mexico City, Mexico
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: GPFO
GPFOY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market. Companies trading on this tier often have limited financial disclosure, may not meet minimum listing requirements, and may be subject to greater risks compared to companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier requires careful due diligence and risk assessment due to the potential for fraud, illiquidity, and lack of transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Potential for lower trading volume and liquidity.
- Higher bid-ask spreads compared to major exchanges.
- Increased risk of fraud and market manipulation.
- Regulatory compliance challenges.
- Verify the company's financial statements and audit reports.
- Research the company's management team and their track record.
- Assess the company's competitive position and market share.
- Evaluate the company's regulatory compliance and legal risks.
- Understand the company's business model and revenue streams.
- Monitor news and press releases for any red flags.
- Consult with a financial advisor before investing.
- Established presence in the Mexican financial market.
- Diversified financial product offerings.
- Strong brand recognition and customer loyalty.
- Solid financial performance with healthy profit margins.
Grupo Financiero Inbursa, S.A.B. de C.V. Financial Services Stock: Key Questions Answered
What does Grupo Financiero Inbursa, S.A.B. de C.V. do?
Grupo Financiero Inbursa provides a comprehensive suite of financial services in Mexico, including lending, investment products, credit cards, and insurance. The company offers mortgage, automotive, SME, and personal loans to individuals and businesses. It also provides accounts and investment products for savings and wealth management, as well as credit card services. Furthermore, Inbursa offers various insurance products, including car, life, medical expenses, and damage insurance, catering to a wide range of financial needs for its customers.
What are the main risks for GPFOY?
The main risks for GPFOY include exposure to economic fluctuations in Mexico, which can impact loan performance and profitability. Increased competition from fintech companies poses a threat to Inbursa's market share. Changes in the regulatory environment could also affect the company's financial operations. Additionally, cybersecurity risks and data breaches are potential threats that could disrupt business operations and damage the company's reputation. Investors should carefully consider these risks before investing in GPFOY.
What are the key factors to evaluate for GPFOY?
Evaluate GPFOY on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does GPFOY data refresh on this page?
GPFOY 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 GPFOY's recent stock price performance?
Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified financial product offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GPFOY overvalued or undervalued right now?
Valuing Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOY) 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 GPFOY?
Before investing in Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOY), 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).
Why might investors consider adding GPFOY to a portfolio?
Key strength of Grupo Financiero Inbursa, S.A.B. de C.V. (GPFOY): Diversified financial product offerings. Weigh rewards against risks and diversify. Not financial advice.
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.
- AI analysis is pending, which may provide further insights into the company's performance and outlook.
- OTC market investments carry additional risks due to lower transparency and liquidity.