Slides
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Earnings results webcast 3rd quarter 2025 October 22nd, 2025
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Resilient growth, strategic focus Q International 9M25 5.2%* USA 1.7%* PERU 0.9%* COSTA RICA 1.9%* EL SALVADOR 0.7%* COLOMBIA NEW! 9M25 %∆ 9.0% %∆ (24.0%) %∆ 36.6% %∆ 27.7% %∆ 49.7% 3Q ∆%: 9M ∆%: Individual Fleets Financial institutions Q International +10.8% -(3.6%) -(1.2%) +17.6% +22.4% +0.2% +9.0% +7.2% Business line Traditional +7.3% 16,151 17,335 3Q24 3Q25 +10.7% 48,379 53,572 9M24 9M25 Written premiums Figures in million pesos LATAM: 3.5%* %∆ +37.5% %∆ growth in premiums vs previous period *Participation in the company’s total written premiums
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Profitability through discipline Earned premiums +16.2% 15,321 17,802 3Q24 3Q25 +14.8% 44,683 51,301 9M24 9M25 Loss Ratio Q Mx QC Figures in million pesos Figures in million pesos
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Operating discipline in action3Q25 93.0% Combined ratio 24.5% Acquisition ratio 6.0% Operating ratio 62.4% Loss ratio +1.8 pp vs 3Q24 +2.2 pp vs 3Q24 -6.8 pp vs 3Q24 9M25 91.3% Combined ratio 23.6% Acquisition ratio 6.0% Operating ratio 61.8% Loss ratio +1.3 pp vs 9M24 +1.8 pp vs 9M24 -4.6 pp vs 9M24
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Solid portfolio, strong results 86.4% Fixed Income proportion 2.3 Years duration 8.9% 9M25 ROI 8.6% Yield to maturity Figures in million pesos -4.1% 1,183 1,134 3Q24 3Q25 +15.1% 3,377 3,885 9M24 9M25 Financial income
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Profitability that endures +51.4% +40.3% 10.0% 3Q25 Net Margin 9.8% 9M25 Net Margin 26.7% 12M ROE $16.6 12M EPS 1,145 1,734 3Q24 3Q25 3,767 5,285 9M24 9M25 Strong capital position $6.0 B Regulatory capital $18.0 B Solvency margin 401% Solvency ratio Net income Figures in million pesos
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Investor Relations ir@qualitas.com.mx