Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Qualitas Controladra Sab — Q4 2025 Earnings Presentation
9 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, Jan 29, 2026
Slide 1: Earnings results webcast 4Q and full year 2025
Earnings results webcast 4Q and full year 2025 January 29th, 2026
Slide 2: Market leadership with disciplined execution
Market leadership with disciplined execution 32.7% 15.1% 9.7% 7.5% 6.4% Source: AMIS, figures at the end of September 2025 6,072,305 insured units Top line growth CAGR: 9.9%* 76M +6,000 7,000 +5,000 6,000 2x +4,000 +3,000 5,000 38M 4,000 +2,000 3,000 +1,000 2,000 27 years 1,000 history… 0 1994 2021
Slide 3: Strengthening leadership continuity
Strengthening leadership continuity Executive President CEO José Antonio Correa Bernardo E. Risoul Salas Etchegaray Best-in-class succession plan 3
Slide 4: Sustained value driven by our DNA
Sustained value driven by our DNA 1 2 3 Strengthen our Accelerate profitable New business leadership in Mexico growth in subsidiaries opportunities within insurance ecosystem ORGANIZATIONAL CULTURE 2025 highlights $75.8B 9.4% 94.1% 20.2% Written premiums Top-line growth Combined ratio ROE 12M vs 202
Slide 5: Resilient top-line growth
Resilient top-line growth Written premiums +6.4% +9.4% 22,233 75,804 20,897 69,276 4Q24 4Q25 2024 2025 %∆ growth vs previous period Premiums in millions pesos Traditional Financial institutions ~63%*; ~33%*; %∆ +2.8% %∆ +24.6% Individual 36.8%*; %∆ +7.7% QMX 95.5%* Fleets 26.7%*; %∆ -3.2% %∆ growth
Slide 6: Sustainable profitability across markets
Sustainable profitability across markets Q International LATAM: %∆ +31.2% ~5%*; %∆ +11.9% EL SALVADOR EL SALVADOR PERU %∆ QP* %∆ QES* USA 0.6% 22.0% COSTA RICA 0.9% 34.1% COLOMBIA QIC* %∆ QCR* %∆ QCOL* 1.6% (15.2%) 1.7% 20.7% 0.2% %∆ growth in premiums vs previous year, excluding intercompany operat
Slide 7: Disciplined execution delivering results
Disciplined execution delivering results 63.6%* 4Q25 102.6% 22.0% 3.6% 77.0% Combined ratio Acquisition ratio Operating ratio Loss ratio 89.3%* 62.2%* 94.1% 23.1% 5.3% 65.7% 2025 Combined ratio Acquisition ratio Operating ratio Loss ratio 90.6%* 4Q25 2025 $53.2B 8.4% 2.3 Total portfolio Yield to Avg
Slide 8: 2026 Expectations
2026 Expectations Combined ratio Upper end of 92%-94% or slightly higher Acquisition & Operating Ratio Within our historical ranges Top line High single to low double-digit growth Comprehensive Financial Income Consistent vs PY, given by our fixed-income duration strategy Loss Ratio Higher end of 62
Slide 9: Investor Relations
Investor Relations ir@qualitas.com.mx
Qualitas Controladra Sab — Q4 2025 Earnings Presentation on 6ix