About Gentera and Its Relevance
Gentera, with Compartamos Banco as its primary asset, has experienced a successful 2025, boasting around 15% growth in its credit portfolio. Enrique Majós, the group’s CEO, anticipates this positive trend to continue through year-end 2025 and into 2026, despite acknowledging some challenges.
Positive Performance in Q3
During the third quarter of 2025, Gentera reported a 16.4% increase in its credit portfolio, reaching a balance of 87,793 million pesos. This growth enabled the company to serve a record-breaking 6.3 million individuals across its two operating countries.
- Banco Compartamos México: Gentera’s primary asset, specializing in microfinance, saw its portfolio grow by 19.6% to 58,108 million pesos compared to the same period in 2024.
- Compartamos Banco Perú: The Peruvian subsidiary closed the quarter with a portfolio of 23,674 million pesos, marking an 8.7% increase.
- ConCrédito México: This subsidiary reported a record-breaking portfolio of 6,011 million pesos, an increase of 20.8%.
Gentera’s profitability also improved, with earnings of 2,156 million pesos in Q3 2025, a 23.3% increase compared to the same period in 2024. For the first nine months of the year, Gentera’s profit totaled 6,485 million pesos, a 42.6% increase over 2024.
Majós’ Outlook
As the year’s end approaches, Majós stated, “Gentera continues to position itself for new records, backed by solid results, prudent management, the effectiveness of our digital transformation strategy, and our team’s commitment to sustainable growth and value creation for millions of people and their families.”
Challenges Ahead
Despite the positive outlook, Majós acknowledges some challenges, including maintaining credit portfolio quality and ensuring adequate funding amidst socio-political conditions.
“One of our main challenges is maintaining the quality of the portfolio. We must carefully manage client over-indebtedness, understand who our borrowers are and how much we lend them, as well as ensuring they receive comprehensive service,” Majós explained.
Key Questions and Answers
- What is Gentera? Gentera is a financial group with Compartamos Banco as its primary asset, specializing in microfinance across Mexico and Peru.
- Why is Gentera relevant? Gentera’s success in growing its credit portfolio by around 15% in 2025 highlights its importance in the financial sector, providing essential services to millions of individuals.
- What are Gentera’s Q3 2025 achievements? Gentera’s credit portfolio grew by 16.4%, reaching a balance of 87,793 million pesos, enabling the company to serve a record-breaking 6.3 million clients.
- What challenges does Gentera face? Gentera must maintain credit portfolio quality and ensure adequate funding while navigating socio-political conditions.
