What Gentera does

Gentera, S.A.B. de C.V. is a Mexico-based, publicly listed financial services holding company (BMV: GENTERA; OTC: CMPRF) that delivers credit, savings, insurance, payments, and digital lending products to underserved, base-of-pyramid populations in Mexico and Peru. Founded in 1990 as the NGO Compartamos, the group converted to a SOFOL in 2000, became a regulated bank (Compartamos Banco) in 2006, and listed on the Bolsa Mexicana de Valores in 2007. In 2013 it rebranded as Gentera to reflect its multi-subsidiary structure, which today comprises six entities: Compartamos Banco (Mexico, 140+ branches, 2M+ clients), Compartamos Financiera (Peru, 108 agencies, 800K+ clients), Yastás (6,000+ banking correspondent merchants), ConCrédito (66,000+ female distributor entrepreneurs operating a 100% digital credit disbursement model across 25 Mexican states), Aterna (insurance agency with 24M+ policies placed and 10M active), and Fundación Compartamos (social foundation serving 393,000+ beneficiaries).

The group operates a hybrid physical-and-digital distribution architecture. Origination flows through bank branches, agency offices, banking-correspondent POS networks, and a network of female micro-entrepreneurs who act as both distributors and borrowers. Underlying technology includes a CSIRT cybersecurity function, full digital loan disbursement at ConCrédito, and point-of-sale banking-correspondent infrastructure across tens of thousands of affiliated merchants.

Revenue is generated through interest income on small-ticket unsecured microloans (the dominant stream, classified as recurring), insurance commissions via Aterna (transaction-fee model), banking-correspondent service fees via Yastás (transaction-fee), and digital lending fees via ConCrédito. Pricing is quote-based, not publicly disclosed, and varies by ticket size, term, and borrower profile. The company is led by CEO Enrique Majós and Director of Finance Mario Ignacio Langarica Ávila. As of Q1 2026, the loan portfolio stood at 94,863 million pesos, net income at 2,494 million pesos, the net interest margin at 40.0%, the capital-to-total-assets ratio at 31.3%, and the non-performing loan ratio at 4.13%.

Name

Gentera

Legal name

Gentera, S.A.B. de C.V.

Website

https://gentera.com.mx

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Gentera is a publicly listed Mexican financial-inclusion holding company that provides microcredit, savings, microinsurance, payments, and digital lending to base-of-pyramid entrepreneurs and unbanked populations across Mexico and Peru via six subsidiaries, including Compartamos Banco, Yastás, and ConCrédito.

Ownership category

akta.pro rank

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income from Microloans: Primary revenue from small-ticket unsecured loans to underserved entrepreneurs, generating interest income through Compartamos Banco in Mexico and Compartamos Financiera in Peru
2. Insurance Premiums: Aterna serves as insurance agent, placing microinsurance policies and earning commissions on insurance products
3. Banking Correspondent Services: Yastás generates revenue through transaction fees for payment services, bill payments, airtime recharge, and financial operations conducted at affiliated commerce locations
4. Digital Lending Services: ConCrédito provides personal and revolving credit through a network of female entrepreneurs, with 100% digital credit disbursement

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Gentera is a financial inclusion holding company that delivers microfinance, small-ticket credit, savings accounts, microinsurance, payment services, and remittances to underserved entrepreneurs at the base of the economic pyramid in Mexico and Peru. It operates through a diversified portfolio of subsidiaries — Compartamos Banco, Compartamos Financiera, Yastás, ConCrédito, Aterna, and Fundación Compartamos — reaching customers via bank branches, banking correspondents, digital platforms, and a network of female entrepreneur distributors.

Product overview

Gentera is a financial services holding company operating a multi-brand portfolio of products and services for the underserved segments in Mexico and Peru. The company follows a platform-plus-subsidiaries architecture consisting of: Compartamos Banco (Mexico) and Compartamos Financiera (Peru) as the core banking subsidiaries offering credits, savings, insurance, and payment services; Yastás as a banking correspondent network; ConCrédito as a digital lending platform for women entrepreneurs; Aterna as an insurance distribution agent; and Fundación Compartamos for social responsibility programs. Together these entities serve over 6.5 million clients through a network of branches, correspondents, and digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• Compartamos Banco: Financial institution offering credits, insurance, savings and payment channels for entrepreneurs in Mexico with 2+ million clients
• Compartamos Financiera
• Yastás
• ConCrédito
• Aterna
• Fundación Compartamos

Products and services

• Compartamos Banco (México) Mexican microfinance bank offering credits, microinsurance, savings accounts, and payment channels to underserved entrepreneurs across Mexico through 140+ branches serving over 2 million clients.
• Compartamos Financiera (Perú) Peruvian microfinance financial entity offering group and individual credit, microinsurance, and savings services to entrepreneurs in Peru through 108 agencies and over 22,000 transaction channels, serving 800,000+ clients.
• Yastás Banking correspondent network providing communities with limited banking infrastructure access to financial operations, service payments, multilevel payments, and airtime recharges through point-of-sale terminals at 6,000+ affiliated commerce locations.
• ConCrédito Digital lending platform providing personal and revolving credit to women entrepreneurs with 100% digital credit disbursement, operating through 66,000+ female distributor-entrepreneurs across 25 Mexican states serving 746,000 end users.
• Aterna Specialized insurance agent designing and operating prevention-focused microinsurance products for underserved populations in Mexico and Peru, acting as intermediary between the insurance sector and Gentera's distribution channels; has placed over 24 million policies with 10 million active.
• Fundación Compartamos Social foundation providing early childhood attention and education initiatives, having benefited more than 393,000 people through its programs and the Responsibility Fund.

Quantifiable outcome

• Over 13 million people have gained access to the formal financial system through Gentera's services
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core.

• Declaratoria a favor del desarrollo de las finanzas verdes y climáticascoreStrategic or Co-development Partner · 1 January 2022Compartamos Banco became signatory to the declaration in favor of green and climate finance development in 2022
• UNEP Finance Initiative - Principios de la Banca ResponsablecoreStrategic or Co-development Partner · 1 January 2020Compartamos Banco became signatory to the UN Environment Programme Finance Initiative Responsible Banking Principles in 2020, becoming the first microfinance institution to join this initiative
• Pacto Mundial de las Naciones UnidascoreStrategic or Co-development Partner · 1 January 2020Gentera acquired commitment to implement the 10 Principles of the UN Global Compact in 2020
• Compartamos Banco - Protocolo de Sustentabilidad de la BancacoreStrategic or Co-development Partner · 1 January 2016Compartamos Banco signed the Banking Sustainability Protocol in 2016, committing to sustainable finance practices
• Asociación de Bancos de México (ABM)coreStrategic or Co-development PartnerMember of the ABM Sustainability Committee and participates in initiatives like Dia del Ahorro (Savings Day) promoting financial education
• Bolsa Mexicana de Valores (BMV)coreStrategic or Co-development PartnerListed on Mexican Stock Exchange since April 2007; participates in BMV Sustainability Committee
• Comité de Sustentabilidad de la Bolsa Mexicana de ValorescoreStrategic or Co-development PartnerActive participation in the BMV Sustainability Committee enabling engagement with other responsible companies and staying current on relevant sustainability topics

Scale indicators14 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Banco Azteca: Mexican (and LatAm) bank serving mass-market and unbanked customers, owned by Grupo Elektra. Closely comparable to Gentera on target customer, geographic focus (Mexico + Central/South America including Peru), and credit-led business model.
• BanCoppel: Mexican commercial bank focused on serving lower-middle and base-of-pyramid consumers with credit, savings, and insurance. Most directly comparable to Compartamos Banco given shared customer segment, branch-led distribution, and product mix.
• MiBanco (Peru): Peru's leading microfinance bank, focused on small-entrepreneur credit and savings. The most direct peer to Compartamos Financiera in Peru and a key in-country competitor for the same underserved Peruvian borrower pool.

Emerging players

• Klar: Mexican digital bank offering credit, savings, and payments to mass-market customers. Comparable to Gentera's digital channels (ConCrédito, Yastás) and represents the fintech-style competition threatening Gentera's traditional distribution economics.
• Crediclub: Mexican fintech lending to salaried workers and SMEs using digital underwriting. Comparable to ConCrédito and Compartamos Banco's consumer-credit products and an emerging competitor in the same small-ticket credit segment.
• Stori: Mexican fintech credit-card issuer serving thin-file and underbanked consumers. Competes with Compartamos Banco and ConCrédito for the same mass-market credit customers using a fully digital, mobile-first model.

Broad incumbents

• Banco de Crédito del Perú (BCP): Peru's largest commercial bank, serving both mass-market and corporate clients. A broad Peruvian incumbent peer relevant to Compartamos Financiera's competitive environment and a benchmark for Peruvian banking valuations.
• BBVA México: Largest private bank in Mexico by assets and a major Peruvian banking player through BBVA Peru. Comparable as a multi-country LatAm banking group serving both mass-market and affluent customers, providing context on competitive scale and capital benchmarks.
• NuBank: Latin America's largest neobank, now operating in Mexico. Competes for the same underbanked Mexican segment as Gentera but via a mobile-first, no-branch model — a key competitive reference for Gentera's digital transition.
• Grupo Financiero Banorte: One of Mexico's largest bank holding companies, providing commercial, retail, and SME banking. A broad incumbent comparable for valuation, regulatory, and capital-structure benchmarking even though its customer base is far broader and wealthier than Gentera's.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xx.com/gentera
• YouTubeyoutube.com/user/genteramx
• Facebookfacebook.com/gentera.mx
• LinkedInlinkedin.com/company/gentera
• Instagraminstagram.com/gentera_mx

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gentera