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Financiera Independencia SAB de CV SOFOM ENR
BMV:FINDEP

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Financiera Independencia SAB de CV SOFOM ENR
BMV:FINDEP
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Price: 8.2 MXN
Market Cap: 2.8B MXN
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Intrinsic Value

The intrinsic value of one FINDEP stock under the Base Case scenario is 10.58 MXN. Compared to the current market price of 8.2 MXN, Financiera Independencia SAB de CV SOFOM ENR is Undervalued by 23%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

FINDEP Intrinsic Value
10.58 MXN
Undervaluation 23%
Intrinsic Value
Price
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Financiera Independencia SAB de CV SOFOM ENR

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Financiera Independencia SAB de CV SOFOM ENR

Net Loans 6.9B
Investments 791m
PP&E 703.2m
Intangibles 1B
Other Assets 1.6B
Short Term Debt 77.2m
Long Term Debt 4.5B
Other Liabilities 881.7m
Earnings Calls

Financiera Independencia reported a net profit of MXN 193 million for Q2 2024, marking a 17% year-on-year increase, the highest in its history. With strong liquidity, cash reserves were MXN 841 million, and net debt decreased by 12%. Loan origination surged by 18% year-on-year to MXN 1.3 billion, driven by a 28% increase in the U.S. Despite a 6% decline in the U.S. loan portfolio, the Mexican portfolio grew by 4%. The company maintained an equity-to-asset ratio of 51% and diligent cost control, boasting a return on equity of 14% and a return on assets of 7.2%, reflecting robust financial health.

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Price Targets

FINDEP Price Targets Summary
Financiera Independencia SAB de CV SOFOM ENR

There are no price targets for FINDEP.
Lowest
Price Target
Not Available
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Price Target
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Highest
Price Target
Not Available
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for FINDEP is .

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Shareholder Yield
Dividend Yield
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Buyback Yield
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Profile

Financiera Independencia SAB de CV SOFOM ENR

Country

Mexico

Industry

Financial Services

Market Cap

2.8B MXN

Dividend Yield

0%

Description

Financiera Independencia SAB de CV engages in microfinance lending of personal loans to individuals and working capital loans through group lending microfinance. The company is headquartered in Colonia Pena Blanca Santa Fe, Mexico, D.F.. The Company’s range of products includes CrediInmediato for employed individuals; Credipopular for self-employed individuals; CrediMama for mothers who have at least one under-age child, and CrediConstruye for construction, maintenance and renovation of homes; CrediSeguro, an insurance policy for permanent disability and medical assistance, and Mas Nomina, mainly intended for free-lance employers. As of December 31, 2011, the Company owned such subsidiaries as Financiera Finsol SA de CV SOFOM ENR, Serfincor SA de CV, Finsol Vida SA de CV, Independencia Participacoes SA and Servicios Corporativos AEF SA de CV.

Contact

MEXICO, D.F.
COLONIA PENA BLANCA SANTA FE
Prolongacion Paseo de la Reforma 600 - 420, Alcaldia Alvaro Obregon
www.independencia.com.mx

IPO

1998-04-06

Employees

4 672

Officers

CEO, General Director & Director
Mr. Eduardo Bernhart Messmacher HenrĂ­quez
Chief Financial Officer
Mr. Jose Maria Cid Michavila
Secretary and Corporate Legal & Regulatory Director
Mr. Francisco José Vazquez Vazquez
Director of Operational Risk & Compliance
Mr. Fernando Rodriguez Garcia
Corporative Director of the Human Resources Department
Ms. MarĂ­a Teresa Garza Guerra
Chief Comptroller Officer
Mr. Adrian Orocio Barreto

See Also

Discover More
What is the Intrinsic Value of one FINDEP stock?

The intrinsic value of one FINDEP stock under the Base Case scenario is 10.58 MXN.

Is FINDEP stock undervalued or overvalued?

Compared to the current market price of 8.2 MXN, Financiera Independencia SAB de CV SOFOM ENR is Undervalued by 23%.

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