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Quálitas Controladora S.A.B
Quálitas Controladora S.A.B (Q) investor relations material
Quálitas Controladora S.A.B Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved strong performance in 2025, maintaining market leadership with 32.7% share in written premiums and 35.9% in earned premiums, and 6,072,305 insured units with a 9.9% CAGR over five years.
Leadership transition executed smoothly with a best-in-class succession plan and new CEO effective January 1, 2026, ensuring strategic continuity.
Focused on disciplined execution, underwriting, and service excellence amid a challenging macroeconomic and competitive environment, accelerating profitable growth and expanding within the insurance ecosystem.
Written premiums grew 6.4% in 4Q25 and 9.4% for the full year, reaching $75,804 million MXN, in line with expectations.
Insured units increased by 335,000 to approximately 6.1 million, maintaining a 5.8% annual growth.
Financial highlights
Record annual written premiums of MXN 75.8 billion, up 9.4% year-over-year; 4Q25 written premiums were $22,233M MXN, a 6.4% increase from 4Q24.
Net income for 2025 reached MXN 5.1 billion, with a net margin of 6.7%; 4Q25 net income was $1,225M MXN, down 21.3% from 4Q24.
Earned premiums for 2025 totaled $69,323M MXN, a 13.1% increase year-over-year.
Comprehensive financial income grew 3.6% year-over-year, with portfolio yield to maturity at 8.4% and an average duration of 2.3 years.
EPS for the last twelve months was $12.7 MXN; stockholders’ equity rose 4.3% to $25,716 million.
Outlook and guidance
2026 expected to be a transition year with continued VAT impact; combined ratio anticipated at the upper end or slightly above the 92%-94% target.
Written premiums projected to grow high single to low double digits, with earned premiums outpacing.
Loss ratio expected to normalize over the year as repricing and cost-saving measures take effect, anticipated at the higher end of the 62–65% target range or slightly above.
ROE targeted at or near 20%, though quarterly volatility expected.
Comprehensive financial result expected to remain consistent year over year.
VAT impact on combined ratio normalization
US operations strategy and expected benefits
2026 financial income drivers and outlook
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Next Quálitas Controladora S.A.B earnings date
Q1 202622 Apr, 2026
Quálitas Controladora S.A.B
Next Quálitas Controladora S.A.B earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
Quálitas Controladora S.A.B. de C.V. is a Mexico-based holding company primarily engaged in the automotive insurance sector. It provides insurance solutions tailored to car fleet owners, financial institutions, and individual customers. Through its multiple segments, including Written Premiums, Ceded Premium, Unearned Premiums Reserve, and Earned Retained Premiums, Quálitas offers comprehensive coverage options. The company operates not only in Mexico but also extends its services internationally, including the United States, El Salvador, and Costa Rica, through subsidiaries such as Qualitas Compania de Seguros SAB de CV and Qualitas Financial Services Inc, among others. The company is headquartered in Mexico City, Mexico, and its shares are listed on the Mexican Stock Exchange.
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