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Qualitas Controladora I (QUCOF)
OTHER OTC:QUCOF
Earnings Data
Report Date
Apr 27, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.27Last Year’s EPS
0.31Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong underlying business fundamentals—market leadership, record written premiums (MXN 75.8bn), net income of MXN 5.1bn for FY2025, 12-month ROE of 20.2%, robust capital and a resilient investment portfolio—alongside meaningful operational improvements and successful international expansion. Offsetting these positives was a significant one-time industry-wide VAT impact recognized in Q4 that led to a quarterly net loss and temporarily elevated combined and loss ratios, plus ongoing pricing pressure and a challenging competitive environment. Management framed 2026 as a transition year with deliberate actions (pricing, cost initiatives, claims focus) to restore normalized profitability. Overall, the positives (scale, profitability, capital strength, operational gains and international momentum) appear to outweigh near-term headwinds driven largely by the VAT change and market competition, but the near-term outlook remains cautious.Company Guidance
Market Leadership
Quálitas remained the clear market leader (AMIS figures): 32.7% market share in written premiums and 35.9% in earned premiums; accounted for 45.9% of the industry's total operating income and posted the best combined ratio among the top 5 companies.
Record Written Premiums and Top-Line Growth
Delivered record annual written premiums of MXN 75.8 billion. Written premiums grew 6.4% in the quarter and 9.4% for the full year 2025 despite pricing pressures.
Strong Profitability and Capital Metrics
Net income of MXN 5.1 billion for FY2025 and 12-month ROE of 20.2% (within long-term target). Regulatory capital MXN 6.1 billion; solvency margin MXN 16.1 billion; solvency ratio 362%; 12-month earned premium to capital ratio 2.7x.
Normalized Combined and Loss Ratios (Ex-VAT)
Reported combined ratio of 94.1% for FY2025; normalized combined ratio excluding one-time VAT impact was 90.6% for the year (quarterly normalized 89.3%). Full year loss ratio 65.7% (improved 40 bps YoY); excluding VAT, FY loss ratio would be 62.2%.
Operational & Service Improvements
Call center handled 3.3 million calls; average response time reduced from 6 to 5 seconds. Customer satisfaction rose to 95% and NPS metrics were the highest since measurement began. Frequency improved to 27.4% (80 bps YoY improvement); theft cases fell 11% YoY; recovery rate 43.6% (100 bps above industry).
Resilient Investment Portfolio and Financial Income
Investment portfolio MXN 53.2 billion, 86.5% fixed income, average duration 2.3 years, yield to maturity 8.4% (Mexican subsidiary 9%). Total comprehensive financial income MXN 5.1 billion FY (8.7% ROI); unrealized gains ~MXN 2 billion; 22% of portfolio in USD providing natural hedge (estimated ~MXN 675 million annual FX sensitivity per peso move).
International Expansion Progress
International subsidiaries contributed ~5% of written premiums. Latin America growth: 31.2% FY. Peru written premiums +34.1% FY (market share 7.5%). Colombia exceeded first-year targets: ~1,200 agents, >9,500 insured units, 15 offices.
Scale of Business and Unit Growth
Surpassed 6.1 million insured units, adding >335,000 units (+5.8% YoY), achieving ~10% CAGR over the last 5 years and doubling business size over 4 years.
QUCOF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
QUCOF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 28, 2026 | $9.91 | $9.47 | -4.39% |
Oct 21, 2025 | $8.23 | $8.23 | 0.00% |
Jul 18, 2025 | $8.52 | $9.20 | +7.98% |
Apr 22, 2025 | $8.27 | $8.27 | 0.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Qualitas Controladora I (QUCOF) report earnings?
Qualitas Controladora I (QUCOF) is schdueled to report earning on Apr 27, 2026, After Close (Confirmed).
What is Qualitas Controladora I (QUCOF) earnings time?
Qualitas Controladora I (QUCOF) earnings time is at Apr 27, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is QUCOF EPS forecast?
QUCOF EPS forecast for the fiscal quarter 2026 (Q1) is 0.27.