Gentera, S.A.B. de C.V. (CMPRF)
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.
Gentera, S.A.B. de C.V. (CMPRF) trades at $2.08 with AI Score 44/100 (Grade C). Gentera, S. A. B. Market cap: $3.28B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for CMPRF: CMPRF 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 CMPRF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CMPRF: the 1 perspectives are evenly split.
How is this calculated? →Gentera, S.A.B. de C.V. (CMPRF) Financial Services Profile
Gentera, S.A.B. de C.V., operating in Mexico, Peru and Guatemala, provides financial services including credit, savings, and insurance, primarily targeting underserved populations. With a focus on microfinance, Gentera distinguishes itself through its extensive network and commitment to financial inclusion within the competitive financial services sector.
What Is the Investment Thesis for CMPRF?
Gentera presents a compelling investment case based on its established presence in the microfinance sector across Mexico, Peru, and Guatemala. With a P/E ratio of 11.00 and a profit margin of 15.2%, the company demonstrates financial stability. A dividend yield of 3.19% provides an income stream for investors. Growth catalysts include expanding its digital financial services and penetrating deeper into underserved markets. However, potential risks include regulatory changes, economic volatility in its operating regions, and increasing competition from fintech companies. Investors should monitor Gentera's ability to maintain its market share and adapt to evolving customer needs. The company's beta of 0.27 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
CMPRF Key Highlights
- Market Cap of $3.28B indicates a substantial valuation within the financial services sector.
- P/E Ratio of 11.00 suggests the company may be undervalued compared to its earnings.
- Profit Margin of 15.2% demonstrates efficient profitability in its operations.
- Gross Margin of 77.4% indicates strong pricing power and cost management.
- Dividend Yield of 3.19% provides a steady income stream for investors.
Who Are CMPRF's Competitors?
CMPRF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKCYF Bank of Cyprus Holdings Public Limited Company | $11.96 | +0.00% | $5.21B | 49 |
| BKEAF The Bank of East Asia, Limited | $1.50 | +6.38% | $3.97B | 44 |
| BKZHF Santander Bank Polska S.A. | $161.24 | -3.40% | $16.48B | 56 |
| CSASF Credit Saison Co., Ltd. | $23.61 | +0.00% | $3.39B | 56 |
| EFGIF EFG International AG | $21.00 | +0.00% | $6.31B | 66 |
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CMPRF's Key Strengths?
- Strong presence in Mexico, Peru, and Guatemala.
- Focus on underserved populations.
- Diversified product offerings.
- Experienced management team.
What Are CMPRF's Weaknesses?
- Exposure to economic volatility in operating regions.
- Dependence on microfinance sector.
- Limited geographic diversification.
- Higher operational costs compared to fintech companies.
What Could Drive CMPRF Stock Higher?
- Expansion of digital financial services to reach a wider customer base and reduce operational costs.
- Penetration into underserved markets within Mexico, Peru, and Guatemala to increase market share.
- Potential strategic partnerships with fintech companies to develop innovative financial products and services.
- Cross-selling opportunities to increase revenue per customer.
- Product diversification by introducing new financial products and services.
What Are the Key Risks for CMPRF?
- Financial-distress signal — its Altman Z-Score of 1.67 sits in the distress zone (elevated bankruptcy risk).
- Exposure to economic volatility in operating regions, which can impact loan repayment rates and profitability.
- Increasing competition from fintech companies, which may erode market share.
- Regulatory changes that could impact the microfinance sector.
- Credit risk associated with lending to low-income individuals and small businesses.
- Operational risks related to managing a large branch network and workforce.
What Are the Growth Opportunities for CMPRF?
- Expanding Digital Financial Services: Gentera can leverage technology to expand its digital financial services, including mobile banking and online lending platforms. This will enable the company to reach a wider customer base, reduce operational costs, and enhance customer experience. The market for digital financial services in Latin America is expected to grow significantly, driven by increasing internet penetration and smartphone adoption. Gentera's existing infrastructure and customer relationships provide a competitive advantage in capturing this growth.
- Penetrating Deeper into Underserved Markets: Gentera has the opportunity to expand its presence in underserved markets within Mexico, Peru, and Guatemala. By offering tailored financial products and services to these communities, the company can increase its market share and contribute to financial inclusion. This includes expanding its branch network in rural areas and partnering with local organizations to reach remote populations. The market for microfinance in these regions remains largely untapped, presenting a significant growth opportunity for Gentera.
- Cross-Selling Opportunities: Gentera can leverage its existing customer base to cross-sell additional financial products and services, such as insurance and savings accounts. By offering a comprehensive suite of financial solutions, the company can increase customer loyalty and revenue per customer. This includes bundling products and services to meet the specific needs of different customer segments. The potential for cross-selling is significant, given Gentera's large customer base and diversified product portfolio.
- Strategic Partnerships: Gentera can form strategic partnerships with other organizations, such as fintech companies and government agencies, to expand its reach and enhance its service offerings. This includes partnering with fintech companies to develop innovative financial products and services, and collaborating with government agencies to promote financial inclusion. Strategic partnerships can provide access to new markets, technologies, and resources, accelerating Gentera's growth and innovation.
- Product Diversification: Gentera can diversify its product portfolio by introducing new financial products and services that cater to the evolving needs of its customers. This includes offering specialized loans for specific sectors, such as agriculture and education, and developing innovative insurance products that provide protection against various risks. Product diversification can help Gentera attract new customers, increase revenue, and mitigate risks associated with relying on a limited number of products.
What Opportunities Does CMPRF Have?
- Expanding digital financial services.
- Penetrating deeper into underserved markets.
- Cross-selling opportunities.
- Strategic partnerships.
What Threats Does CMPRF Face?
- Increasing competition from fintech companies.
- Regulatory changes.
- Economic downturns.
- Credit risk.
What Are CMPRF's Competitive Advantages?
- Established presence in the microfinance sector.
- Extensive branch network in Mexico, Peru, and Guatemala.
- Strong brand reputation and customer loyalty.
- Focus on financial inclusion and social impact.
What Does CMPRF Do?
Gentera, S. A. B. de C. V., formerly known as Financiera Compartamos, was founded in 1990 in Mexico City. The company emerged with a mission to provide financial solutions to individuals and micro-businesses excluded from traditional banking services. Over the years, Gentera has evolved into a diversified financial services provider, expanding its reach across Mexico, Peru, and Guatemala. Its core offerings include microloans, savings accounts, insurance products, and transaction channels. These products are tailored to serve various sectors such as textiles, food, livestock, agriculture, fishing, industry, and services. Gentera's commitment to financial inclusion is evident in its focus on providing accessible and affordable financial services to underserved populations. The company operates through a network of branches and utilizes technology to enhance its service delivery. Gentera's strategic focus remains on sustainable growth and creating social value by empowering its customers through financial solutions.
What Products and Services Does CMPRF Offer?
- Provides microloans to individuals and small businesses.
- Offers savings accounts to promote financial stability.
- Provides individual and group insurance products.
- Offers debtor's life and general protection insurances.
- Facilitates financial transactions through various channels.
- Serves the textiles, food, livestock, agriculture, fishing, industry, and services sectors.
How Does CMPRF Make Money?
- Generates revenue through interest income from loans.
- Earns fees from insurance products and transaction services.
- Manages risk through credit scoring and loan monitoring.
- Expands its customer base through branch networks and digital channels.
What Industry Does CMPRF Operate In?
Gentera operates within the financial services industry, specifically in the microfinance segment, which focuses on providing financial services to low-income individuals and small businesses. The market is characterized by increasing demand for accessible financial solutions in emerging economies. Competition includes traditional banks, credit unions, and fintech companies. Gentera differentiates itself through its established presence, focus on underserved populations, and diversified product offerings. The industry is influenced by regulatory frameworks, economic conditions, and technological advancements. Gentera's ability to adapt to these factors will be crucial for its continued success.
Who Are CMPRF's Key Customers?
- Low-income individuals in Mexico, Peru, and Guatemala.
- Micro and small businesses in various sectors.
- Underserved populations excluded from traditional banking services.
Gentera, S.A.B. de C.V. (CMPRF) Valuation Context
Valued at $3.28B, CMPRF is classified as a mid-cap stock. Relative to its peer group, CMPRF's quantitative score of 44/100 is below the peer average of 54/100.
ROE 25%Key Financial Metrics
Return on equity for Gentera, S.A.B. de C.V. stands at 24.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 7.0%, showing how much profit it generates from its asset base. CMPRF trades at a trailing price-to-earnings ratio of 5.39, below the Financial Services sector average of ~18x. Its free cash flow yield is 15.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.50 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 18.6%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Gentera, S.A.B. de C.V.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 1.67 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Gentera, S.A.B. de C.V. revenue of about $52.62B for fiscal 2026, with EPS near $6.00. The estimate reflects 7 contributing analysts.
CMPRF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong presence in Mexico, Peru, and Guatemala.
- Focus on underserved populations.
- Diversified product offerings.
- Experienced management team.
Bear Case
- Exposure to economic volatility in operating regions.
- Dependence on microfinance sector.
- Limited geographic diversification.
- Higher operational costs compared to fintech companies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CMPRF Latest News
No recent news available for CMPRF.
CMPRF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CMPRF.
Price Targets
Wall Street price target analysis for CMPRF.
CMPRF MoonshotScore
What does this score mean?
The MoonshotScore rates CMPRF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Enrique Majos Ramirez
CEO
Enrique Majos Ramirez serves as the CEO of Gentera, S.A.B. de C.V., leading a workforce of over 27,000 employees. His background encompasses extensive experience in the financial services sector, with a focus on microfinance and banking. Before joining Gentera, Ramirez held leadership positions in various financial institutions, contributing to strategic planning, operational efficiency, and business development. His expertise includes risk management, financial analysis, and customer relationship management. Ramirez's educational background includes advanced degrees in business administration and finance.
Track Record: Under Enrique Majos Ramirez's leadership, Gentera has focused on expanding its digital financial services and strengthening its presence in underserved markets. Key achievements include improving operational efficiency, enhancing customer satisfaction, and driving sustainable growth. Ramirez has also overseen the implementation of strategic initiatives to promote financial inclusion and social impact. His leadership has been instrumental in navigating the challenges of the microfinance sector and positioning Gentera for long-term success.
CMPRF OTC Market Information
The OTC Other tier, where CMPRF trades, represents securities that are not listed or quoted on a national securities exchange like the NYSE or NASDAQ. Companies in this tier may have limited regulatory oversight and reporting requirements compared to those listed on major exchanges. This tier often includes companies with limited operating history, smaller market capitalization, or those that do not meet the listing requirements of national exchanges. Investing in OTC Other securities carries higher risks due to the potential for less transparency and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Liquidity: OTC stocks typically have lower trading volumes, making it difficult to buy or sell shares quickly without affecting the price.
- Information Asymmetry: Reduced reporting requirements can lead to less transparency and limited financial information, increasing the risk of making uninformed decisions.
- Price Volatility: OTC stocks can experience significant price swings due to lower trading volumes and potential for manipulation.
- Regulatory Oversight: OTC markets have less regulatory oversight compared to national exchanges, increasing the risk of fraud and other misconduct.
- Going Concern Risk: Companies trading on the OTC market may have a higher risk of financial distress or bankruptcy.
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- Evaluate the company's regulatory compliance and legal standing.
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- Established operating history in the microfinance sector.
- Presence in multiple countries (Mexico, Peru, and Guatemala).
- Substantial market capitalization ($3.96B).
- Positive profit margin (15.2%).
- Dividend yield (3.19%).
Common Questions About CMPRF (Financial Services)
What does Gentera, S.A.B. de C.V. do?
Gentera, S.A.B. de C.V. is a financial services company focused on providing microfinance solutions to underserved populations in Mexico, Peru, and Guatemala. The company offers a range of financial products and services, including microloans, savings accounts, insurance, and transaction channels. Gentera's business model centers around providing accessible and affordable financial services to individuals and small businesses excluded from traditional banking systems. By empowering these communities with financial tools, Gentera aims to foster economic development and improve the quality of life for its customers. The company operates through a network of branches and utilizes technology to enhance its service delivery.
What are the main risks for CMPRF?
The main risks for CMPRF include exposure to economic volatility in its operating regions, increasing competition from fintech companies, regulatory changes, and credit risk. Economic downturns in Mexico, Peru, and Guatemala can impact loan repayment rates and profitability. Fintech companies are disrupting the financial services industry with innovative solutions, potentially eroding Gentera's market share. Regulatory changes can impact the microfinance sector and increase compliance costs. Credit risk is inherent in lending to low-income individuals and small businesses. Investors should carefully consider these risks before investing in CMPRF.
What are the key factors to evaluate for CMPRF?
Gentera, S.A.B. de C.V. (CMPRF) holds an AI score of 44/100 (low). Not financial advice.
How frequently does CMPRF data refresh on this page?
CMPRF 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 CMPRF's recent stock price performance?
Gentera, S.A.B. de C.V. (CMPRF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in Mexico, Peru, and Guatemala. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CMPRF overvalued or undervalued right now?
Valuing Gentera, S.A.B. de C.V. (CMPRF) 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 CMPRF?
Before investing in Gentera, S.A.B. de C.V. (CMPRF), 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 CMPRF to a portfolio?
Key strength of Gentera, S.A.B. de C.V. (CMPRF): Strong presence in Mexico, Peru, and Guatemala. 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.
- OTC market data may have limited availability and reliability.
- AI analysis pending for CMPRF.