Gentera SAB de CV Continues to Expand Microcredit Portfolio Amid Economic Headwinds

Gentera SAB de CV, a Mexican financial institution listed on the Bolsa Mexicana de Valores, has reaffirmed its commitment to expanding its microcredit and group financing activities in 2026. The company, which operates in Mexico, Peru, and Guatemala, announced that its strategy for the coming year will focus on the continued digitalization of its processes and the integration of artificial intelligence (AI) tools into its banking core.

Strategic Digitalization and AI Integration

During a press conference held on December 2, 2025, Enrique Majós, Director General of Gentera, highlighted the company’s plans to upgrade its core banking systems. The firm has already completed a core update in Peru two years ago and has made adjustments to the transactional core of Concrédito, a division that focuses on consumer credit. The new infrastructure is intended to enable the application of AI technologies across Gentera’s services, thereby improving risk assessment, customer experience, and operational efficiency.

Microcredit Growth Outlook for 2026

Gentera’s leadership maintains that the outlook for its microcredit segment remains positive despite broader economic uncertainties. Majós emphasized that the institution’s credit portfolio grew at a double‑digit rate in 2025, a performance he expects to replicate in 2026. He noted that the company’s focus on small‑business financing—particularly working‑capital and business credit—will be a key driver of continued growth. The company’s subsidiary, Compartamos Banco, will play an integral role in deploying this strategy.

Macro‑Economic Context

The Mexican economy is projected to finish 2025 on a weak trajectory, with the Instituto Mexicano de Ejecutivos de Finanzas (IMEF) indicating a decline in industrial activity and only moderate expansion in services. Currency movements also reflect a slight depreciation of the Mexican peso against the U.S. dollar, as reported by Milenio. Nevertheless, Gentera’s management argues that the demand for microcredit will remain robust, supported by the resilience of the small‑enterprise sector and the firm’s digital reach.

Financial Snapshot

  • Closing price (2025‑11‑27): 42.71 MXN
  • 52‑week high (2025‑09‑23): 51.72 MXN
  • 52‑week low (2024‑12‑29): 22.98 MXN
  • Market capitalization: 68,070,000,000 MXN
  • Price‑earnings ratio: 8.62

Conclusion

Gentera SAB de CV’s strategic emphasis on digital transformation and AI integration, coupled with a steadfast focus on microcredit, positions the company to sustain its growth trajectory in 2026. While macro‑economic indicators suggest a cautious outlook, the firm’s confidence in the resilience of its target market underscores its commitment to expanding financial inclusion across its operating regions.