ScoreWhy is Financiera Independencia SAB de CV ?
1
Strong Long Term Fundamental Strength with a 20.00% CAGR growth in Net Profits
- High Margins signify the bank has been able to generate higher profits from its interest bearing assets
2
Flat results in Dec 25
- NII(Q) Lowest at MXN 1,085.28 MM
- NET SALES(Q) Lowest at MXN 1,230.35 MM
- EPS(Q) Lowest at MXN 0
3
With ROA of 6.37%, it has a fair valuation with a 0.56 Price to Book Value
- Over the past year, while the stock has generated a return of 8.80%, its profits have risen by 13% ; the PEG ratio of the company is 0.3
4
Underperformed the market in the last 1 year
- The stock has generated a return of 8.80% in the last 1 year, much lower than market (Mexico IPC) returns of 35.93%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Financiera Independencia SAB de CV should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Financiera Independencia SAB de CV for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Financiera Independencia SAB de CV
8.8%
-1.29
12.92%
Mexico IPC
35.93%
1.88
19.11%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-1.70%
EBIT Growth (5y)
16.60%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.56
EV to EBIT
8.30
EV to EBITDA
5.81
EV to Capital Employed
0.73
EV to Sales
1.30
PEG Ratio
0.28
Dividend Yield
0.11%
ROCE (Latest)
8.83%
ROE (Latest)
15.15%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CASH FLOW(Y)
Highest at MXN 2,048.64 MM
CASH AND EQV(HY)
Highest at MXN 2,590.2 MM
-4What is not working for the Company
NII(Q)
Lowest at MXN 1,085.28 MM
NET SALES(Q)
Lowest at MXN 1,230.35 MM
EPS(Q)
Lowest at MXN 0
Here's what is working for Financiera Independencia SAB de CV
Operating Cash Flow
Highest at MXN 2,048.64 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (MXN MM)
Cash and Eqv
Highest at MXN 2,590.2 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Financiera Independencia SAB de CV
NII
Lowest at MXN 1,085.28 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (MXN MM)
Net Sales
Lowest at MXN 1,230.35 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (MXN MM)
EPS
Lowest at MXN 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (MXN)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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