About Gentera and Its Relevance
Gentera, with Compartamos Banco as its primary asset, has experienced a successful 2025, boasting credit portfolio growth of approximately 15%. Enrique Majós, the group’s CEO, anticipates this positive trend to continue through year-end 2025 and into 2026, although he acknowledges some challenges.
Gentera’s Performance in Q3 2025
During the third quarter of 2025, Gentera reported a 16.4% growth 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: The group’s primary microfinance asset saw a 19.6% increase in its portfolio, totaling 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% growth.
- ConCrédito México: This subsidiary reported a record-breaking portfolio of 6,011 million pesos, reflecting a 20.8% increase.
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, representing a 42.6% growth over 2024.
Majós’ Outlook and Challenges
As Gentera approaches the year’s final stretch, Majós remains optimistic about achieving new records, backed by strong results, prudent management, the effectiveness of its digital transformation strategy, and the team’s commitment to sustainable growth and value creation for millions of individuals and their families.
Challenges Ahead
Despite the positive outlook, Majós identifies some challenges, including maintaining portfolio quality and ensuring adequate funding amidst socio-political conditions.
One of our main challenges is maintaining portfolio quality, ensuring we don’t over-lend to clients and carefully selecting who we lend to and how much. We must also ensure our customers receive comprehensive, high-quality service.
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.
- What is the significance of Gentera’s Q3 2025 performance? 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 individuals.
- What challenges does Gentera face? Gentera must maintain portfolio quality, avoid over-lending to clients, and navigate socio-political conditions for adequate funding.
