Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Q3 2025 Earnings Presentation
20 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, 2025
Slide 1: Corporate presentation 3rd quarter 2025
Corporate presentation 3rd quarter 2025
Slide 2: Index
Index 01 Leaders for more than 18 years 02 Going forward… 03 Value creation Subtitle Here 04 Industry landscape 05 Our stock 06 Appendix
Slide 3: Our essence
Our essence +30 years of 6 countries. experience USA, Mexico, El In the industry and Salvador, Peru, 18 as leaders Costa Rica and Colombia 596 ~26,100 247 service Agents offices and 349 ODQ’s Risk, accident, and fraud prevention. Leaders of ESG Enhancing criterion efficiency incorporation 3
Slide 4: Corporate structure
1. Corporate structure GEOGRAPHIC SUBSIDIARIES: VERTICAL INTEGRATION: We aim to expand and replicate our succesful It allows us to optimize costs, enhance risk business model, while achieving greater revenue prevention and information analysis, as well diversification and driving growth as provide h
Slide 5: Quálitas' DNA
1. Quálitas’ DNA Technological systems used in our call center are +6.1 MILLONES Insured units design in house. POLICYHOLDERS Automatic assignation ~26,100 AGENTS claim officers using AGENTS Agents play a fundamental role in geolocation tools… Mexico and Latin America (National) average time of clai
Slide 6: Competitive advantages
1. Competitive advantages Accident and fraud prevention ▪ Data analysis: 30 years of experience + unique data base. ▪ Telematics, GPS devices and recovery program ▪ Training of drivers and operators to reduce and avoid accidents and claims Operational efficiency ▪ Partnership with Google Maps for au
Slide 7: Going forward…
2. Going forward… 1 2 3 Strengthen our Actively looking for Accelerate growth in leadership in Mexico new business our subsidiaries opportunities • Through technological and • Capitalize them to boost its • Expand our service to other product innovation growth in profitable manner business lines suc
Slide 8: Sustainability
2. Sustainability E Environmental ▪ ~37% of out fleet is hybrid ▪ Solar panels in specific service offices ▪ Annual reforestation campaign ▪ ~90% of our processes are paperless Social S ▪ Awareness program “Conducta Vial Quálitas (CVQ)” for responsable driving behavior http://conductavialqualitas.co
Slide 9: Value creation
3. Value creation Written premiums Earned premiums Operating result 53,572 17,802 51,301 17,335 1,391 3,816 2,226 48,379 44,683 16,151 15,321 451 3Q24 3Q25 9M24 9M25 3Q24 3Q25 9M24 9M25 3Q24 3Q25 9M24 9M25 Net result Comprehensive financial income 1,734 5,285 1,183 3,885 8.0% 10.0% OPERATING NET mar
Slide 10: Value creation: Premiums and insured units
3. Value creation Premiums and insured units Δ %/bp Δ %/bp Business line 3Q25 3Q24 25 vs 24 9M25 9M24 25 vs 24 22.5% Traditional 10,736 10,456 2.7% 34,211 32,364 5.7% 21.0% Individual 6,552 6,113 7.2% 20,690 18,680 10.8% Fleets 4,185 4,342 (3.6%) 13,520 13,685 (1.2%) 79.0% Financial institutions 5,6
Slide 11: Value creation: Ratios
3. Value creation Ratios Acquisition Loss 24.5% 71.4% 71.6% 69.2% 23.8% 66.1% 62.4% 60.1% 22.8% 22.8% 22.7% 52.9% 21.9% 21.9% 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 Operating Combined 6.8% 98.4% 6.3% 6.0% 97.0% 94.7% 95.6% 93.0% 4.8% 4.2% 88.3% 3.8% 3.5% 82.5% Pie de d
Slide 12: Investment portfolio and return on investments
3. Value creation Premiums and insured units Total portfolio Portoflio by subsidiary 78.1% 58.0% QMX Government 73.9% 62.9% 13.9% Equities 13.6% QIC 12.6% 12.2% International bonds 12.6% 4.6% 13.8% QCind 10.4% Local corp bonds 9.3% 3.9% 1.9% Other 1.7% 5.0% Cash & Equivalents 5.3% 3Q25 3Q25 1.5% QCR
Slide 13: Industry landscape: Market share
4. Industry landscape Market share 6.5% 13.7% 12.3% 13.3% 12.2% 11.4% 9.8% 9.9% 8.7% 8.4% 7.6% Market share by segment 5.3% 5.7% 6.3% 6.1% 6.1% 6.3% 4.9% 7.0% 6.5% 5.8% 6.4% 5.0% 5.8% 5.7% 4.7% 4.9% 5.3% 4.2% 4.1% 4.6% 4.0% 3.8% 8.7% 9.7% 6.8% 9.8% 10.1% 9.3% 7.0% 9.1% 10.6% 10.8% 9.7% 7.8% 7.5% 43.
Slide 14: Theft and recovery in Mexico
4. Industry landscape Theft and recovery in Mexico 53.2% 40,000 55.0% 50.1% 35,000 50.0% 47.1% 30,000 45.3% 25,000 44.6% 42.8% 43.1% 45.0% 41.9% 41.4% 20,000 42.7% 40.0% 39.9% 15,000 38.9% 10,000 35.0% 5,000 15,271 37,325 14,062 31,573 14,448 29,663 16,247 30,359 16,733 30,329 15,620 26,483 0 30.0%
Slide 15: New car sales in Mexico
4. Industry landscape New car sales in Mexico ▪ Total new unit sales declined by –4.9% in 3Q25 compared to 3Q24 (light vehicles: –1.1%, heavy vehicles: –47.5%) ▪ Chinese brands accounted for 8.1% of total light vehicles (Sept’25), while hybrid, electric, and plug-in vehicles represented 10.3% of lig
Slide 16: Our stock
5. Our stock Q* stock performance Q* was listed on the Marketability index Traded volume Mexican Stock Mexican Stock Exchange in 2005 (daily average) Exchange Traded Volume Included in 5 indexes: S&P/BMV IPC, Total Mexico ESG,S&P/BMV volume* (MM USD) Sep 2025 Rentable, BIVA Mid cap, GEI 2Q25 664,241
Slide 17: Financial highlights
6. Financial highlights Quarterly Year to date Δ %/bp Δ %/bp Income Statement 3Q25 3Q24 9M25 9M24 25 vs 24 25 vs 24 Written premiums 17,335 16,151 7.3% 53,572 48,379 10.7% Net written premiums 17,342 16,135 7.5% 53,465 48,318 10.7% Earned premiums 17,802 15,321 16.2% 51,301 44,683 14.8% Acquisition
Slide 18: Financial highlights: profitability and balance sheet
6. Financial highlights Δ %/bp Δ %/bp Profitability ratios 3Q25 3Q24 9M25 9M24 25 vs 24 25 vs 24 Return on investments 7.6% 8.7% (105) 8.9% 8.8% 12 ROE for the period 27.6% 20.5% 707 27.6% 20.5% 710 LTM ROE 26.7% 22.4% 428 26.7% 22.4% 428 Δ %/bp Balance Sheet 2025 2024 25 vs 24 Assets 114,453 100,72
Slide 19: Solvency margin
6. Solvency margin 30,000 25,000 General Assembly 2025 17,987 20,000 16,494 Surplus 15,003 14,726 The payment of a cash 14,006 15,000 dividend in the amount of 446% 420% 401% 401% MXN 4,000,000,000, 10,000 Objective 2,984 equivalent to $10 pesos per share, was approved. 5,000 It will be paid in two
Slide 20: Investor Relations
Investor Relations ir@qualitas.com.mx
Quálitas Controladora, S.A.B. de C.V. — Q3 2025 Earnings Presentation on 6ix