Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Investor Presentation (2025)
22 slides from Qualitas Controladora S.a.b. De C.v's investor presentation, 2025
Slide 1: Corporate presentation 1st quarter 2025
Corporate presentation 1st quarter 2025
Slide 2: Index
Index 01 Leaders for more than 18 years 02 Going forward… 03 Value creationSubtitle Here 04 Industry landscape 05 Our stock 06 Appendix
Slide 3: Our Essence
Our Essence 30+ years of 6 countries. experience in USA, Mexico, El Salvador, Peru, the industry and Costa Rica and 19 as leaders Colombia 575 230 Service +23,800 offices and 345 Agents ODQ´s Risk, accident, Leaders of ESG and fraud prevention. criterion Enhancing incorporation efficiency 3
Slide 4: Corporate structure
Corporate structure Vertical integration: Geographic subsidiaries: It allows us to optimize costs, enhance We aim to expand and replicate our successful risk prevention and data analysis, as well business model while achieving greater as provide health solutions, in order to revenue diversification
Slide 5: Corporate structure
Corporate structure Geographic Vertical Qualitas Mexico Qualitas El Salvador Flekk Quálitas México (Q MX) / (99.9%) (Q ES) / (99.9%) (99.9%) Qualitas Costa Rica Conduct Research Autos y Salvamentos (Q CR) / (99.9%) (54%) Q Salud Qualitas Define Peru Project Activos Jal Scope (Q PE) / (99.9%) (99.9%)
Slide 6: Qualitas' DNA
Qualitas’ DNA Technological systems +5.9 MILLON used in our call center are Insured units design in house. POLICYHOLDERS Automartic assignemnt of claim officers using ~23,800 AGENTS geolocation tools… AGENTS Agents play a fundamental role in Mexico and Latin America (National) average time of claim
Slide 7: Competitive advantages
Competitive advantages Accident and fraud prevention Operational efficiency Apps and website ▪ Express Adjustment Tool: ▪ Data analysis: 30 years of ▪ Partnership with Google covering 33% of claims experience + unique maps for automatic 1Q25 data base. assignation of claim officers ▪ Disposable apps
Slide 8: Going forward…
Going forward… 1 2 3 Strengthen our Accelerate growth in Actively looking for leadership in Mexico our subsidiaries new business opportunities • Through technological and • Capitalize them to boost its • Expand our service to other product innovation growth in profitable manner business lines such a
Slide 9: Sustainability
Sustainability A ENVIRONMENTAL ▪ ~27% of out fleet is hybrid ▪ Solar panels in specific service offices ▪ Annual reforestation campaign ▪ ~90% of paperless processes SOCIAL S ▪ Awareness program “Conducta Vial Quálitas (CVQ)” for responsable driving behavior http://conductavialqualitas.com.mx ▪ Annu
Slide 10: Value creation
Value creation Written premiums Earned premiums Operating result 18,822 1,445 16,833 881 16,804 14,293 1Q24 1Q25 1Q24 1Q25 1Q24 1Q25 Comprehensive financial Net result income 7.7% 11.4% 1,533 2,145 OPERATING NET Margin Margin 1Q25 1Q25 1,058 1,238 $15.1 24.2% EPS 12M ROE 12M 1Q24 1Q25 1Q24 1Q25 Figu
Slide 11: Value creation
Value creation Premiums and insured units Δ %/bp Δ %/bp Business line 1Q25 1Q24 2025 2024 25 vs 24 25 vs 24 Traditional 12,639 11,624 8.7% 12,639 11,624 8.7% Individual 7,719 6,361 21.4% 7,719 6,361 21.4% Fleets 4,920 5,263 (6.5%) 4,920 5,263 (6.5%) Financial institutions 5,170 4,237 22.0% 5,170 4,2
Slide 12: Value creation
Value creation Ratios Acquisition Loss 24.0% 23.5% 69.4% 23.2% 65.8% 22.4% 64.1% 22.2% 22.2% 61.3% 21.3% 59.3% 59.7% 52.7% 1Q19 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q19 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 Acquisition ratio Loss ratio Operating Combined 6.3% 5.7% 95.7% 93.5% 89.4% 4.0% 4.1% 4.0% 87.5% 88.2% 3.7%
Slide 13: Value creation
Value creation Premiums and insured units Total Portfolio Portfolio by subsidiary Return on Investments 12
Slide 14: Industry landscape
Industry landscape Market share Market share by segment 15.7% 15.5% 15.0% 15.6% 15.9% 16.1% 16.2% 15.1% 16.6% 18.7% 18.1% 18.0% 44.7% 29.2% 12.4% 11.8% 12.2% 11.6% 11.7% 11.7% 13.7% 12.8% 12.2% 12.4% 12.0% 1.8% 13.2% 3.6% 3.2% 3.1% 2.7% 2.6% 2.4% 2.0% 4.8% 5.3% 5.8% 6.5% 6.3% 6.3% 6.1% 4.9% 5.8% 7.0
Slide 15: Industry landscape
Industry landscape Auto theft and recovery in Mexico 16,000 55.0% 53.2% 14,000 51.1% 50.0% 12,000 10,000 44.8% 46.2% 43.1% 45.0% 41.7% 42.0% 43.2% 8,000 41.4% 38.9% 39.9% 40.7% 40.0% 6,000 4,000 35.0% 2,000 13,964 10,443 4,757 9,953 5,270 5,467 9,839 … 5,553 4,535 10,357 5,295 0 30.0% 3M20 3M21 3M22
Slide 16: Industry landscape
Industry landscape New car sales in Mexico ▪ The quarterly sales of new units increased by +1.2% 1T25 vs 1T24 (light vehicles: +3.3%, heavy equipment: -27.7%) ▪ Chinese brands accounted for approximately ~8.6% of the total market as of the end of march, while hybrid, electric, and plug-in vehicles r
Slide 17: Our stock
Our stock Q* stock performance Included in 6 indexes: S&P/BMV Q* has a share buyback Q* was listed on the 400 millon IPC, Total Mexico ESG,S&P/BMV program and a market Mexican Stock outstanding shares Rentable, BIVA Mid cap, DJS marker program to support its Exchange in 2005 Mila Pacific Alliance In
Slide 18: IR contact information
IR contact information Andrea Gonzalez agonzalez@qualitas.com.mx T: +(52) 55 1555-6316 Raquel Leetoy rleetoy@qualitas.com.mx T: +(52) 55 1555-6313
Slide 19: Financial highlights
Financial highlights Quarterly Estado de resultados Δ %/bp 25 Income Statement 1Q25 1Q24 vs 24 Written premiums 18,822 16,804 12.0% Net written premiums 18,727 16,786 11.6% Earned premiums 16,833 14,293 17.8% Acquisition cost 4,152 3,577 16.1% Loss cost 10,055 9,156 9.8% Technical result 2,626 1,560
Slide 20: Financial highlights
Financial highlights Δ %/bp Profitability indicators 1Q25 1Q24 25 vs 24 Return over investements 10.8% 8.9% 189 Annualized ROE of period 33.3% 22.3% 1095 ROE 12M 24.2% 19.1% 511 Δ %/bp Balance Sheet 2025 2024 25 vs 24 Assets 110,562 93,156 18.7% Investments & Real Estate 54,809 46,923 16.8% Invested
Slide 21: Solvency margin
Solvency margin AGM 2025 The payment of a cash dividend in the amount of MXN 4,000,000,000, equivalent to $10 pesos per share, was approved. It will be paid in two installments: $5.0 pesos on May 7, 2025, and $5.0 pesos on November 7, 2025 Figures in millions (MXN) Solvency margin / Regulatory capit
Slide 22: Thank you
Qualitas, Thank you
Qualitas Controladora, S.A.B. de C.V. — Investor Presentation (2025) on 6ix