Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — 1Q26 Earnings Presentation
20 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, 2026
Slide 1: Corporate presentation 1Q26
Corporate presentation 1Q26
Slide 2: Index
Index Índice 01 Leaders for more than 19 years 02 Going forward… 03 Value creation Subtitle Here 04 Industry landscape 05 Our stock 06 Appendix
Slide 3: Our essence
Our essence +32 years of 6 countries. experience USA, Mexico, El In the industry and Salvador, Peru, 19 as leaders Costa Rica and Colombia 606 ~27,500 253 service Agents offices and 352 ODQ’s Risk, accident, and fraud prevention. Leaders of ESG Enhancing criterion efficiency incorporation 3
Slide 4: Corporate structure
1. Corporate structure GEOGRAPHIC SUBSIDIARIES: We aim to expand and replicate our successful business model, while achieving greater revenue diversification and driving growth VERTICAL INTEGRATION: It allows us to optimize costs, enhance risk prevention and information analysis, as well as provide
Slide 5: Quálitas' DNA
1. Quálitas’ DNA Technological systems used in our call center are +6.1 MILLIONS Insured units design in house. POLICYHOLDERS Automatic assignation ~27,500 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 aut
Slide 7: Going forward…
2. Going forward… 1 2 3 Strengthen our leadership in Accelerate growth in our Actively looking for new Mexico subsidiaries business opportunities STRENGTHENING OF THE ORGANIZATION 7
Slide 8: Sustentability
2. Sustentability E Environmental ▪ ~49% 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 21,693 18,800 1,445 1,038 18,822 16,833 1Q25 1Q26 1Q25 1Q26 1Q25 1Q26 Net result Comprehensive financial income 2,145 1,533 5.5% 7.2% OPERATING NET margin 1,555 1,176 margin 1Q26 1Q26 $11.3 23.7% EPS 12M ROE 1Q26 1Q25 1Q26 1Q25 1Q26
Slide 10: Value creation
3. Value creation Δ %/bp Business line 1Q26 1Q25 26 vs 25 20 2 Traditional 14,267 12,640 12.9% 25 02 Individual 7,667 7,389 3.8% 4 Fleets 6,600 5,252 25.7% Financial institutions 6,493 5,168 25.6% Foreign subsidiaries 909 987 (7.9%) Total 21,693 18,822 15.3% TOTAL +6,000 7000 6,093,796 Insured vehic
Slide 11: Value creation: Ratios
3. Value creation Ratios Acquisition Loss 24.0% 69.4% 23.2% 23.5% 65.8% 64.1% 22.6% 59.3% 59.7% 62.6% 22.4% 22.2% 21.3% 52.7% 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q26 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q26 Operating Combined 6.3% 5.7% 95.7% 5.0% 93.5% 4.1% 4.0% 89.4% 3.7% 88.2% 90.2% 86.6% 2.7% 80.8% Pie de d
Slide 12: Value creation: Portfolio and return on investments
3. Value creation Portfolio by subsidiary Total portfolio Return on investments Our investment policy considers ESG criteria to ensure sustainable investments. 12
Slide 13: Industry landscape: Market share
4. Industry landscape Market share 9.1% 8.0% 7.3% 7.8% 12.6% 12.6% 13.6% 13.1% 11.8% 11.5% 12.6% Participación de mercado por 6.6% 5.2% 5.8% 5.8% segmento 3.9% 5.2% 6.6% 6.8% 6.2% 5.7% 5.9% 5.7% 5.6% 5.8% Market share by segment 5.8% 3.0% 2.4% 2.5% 5.4% 2.4% 3.2% 3.3% 8.6% 10.6% 11.1% 10.4% 7.4% 11.
Slide 14: Theft and recovery in Mexico
4. Industry landscape Theft and recovery in Mexico • Theft 3M26: 13.8% decline at Quálitas vs. 14.7% for the rest of the industry. • Quálitas recovery rate of 47.6%, 610 bps above the rest of the industry; and 48.0% excluding the February 22 event. 12,000 58.0% 10,000 53.2% 53.0% 8,000 48.6% 47.6% 4
Slide 15: New car sales in Mexico
4. Industry landscape New car sales in Mexico • 2026 estimates (March INEGI): light vehicles ~1.6 million (range +1.1% to +2.6%) and heavy vehicles ~40 thousand (+3.2%). • Total new vehicle sales increased +2.1% in 1Q26 vs. 1Q25 (light vehicles: +3.7%, heavy vehicles: -28.0%). • SUV and pickup segme
Slide 16: Our stock
5. Our stock Q* stock performance Marketability index Q* was listed on the Traded volume Mexican Stock Mexican Stock (daily average) Exchange Exchange in 2005 Traded Volume Included in 5 indexes: S&P/BMV volume* (MM USD) Mar 2026 IPC, Total Mexico ESG, 4Q25 1,330,922 $11.4 S&P/BMV Rentable, BIVA Mid
Slide 17: Financial highlights
6. Financial highlights Quarterly Income Statement 1Q26 1Q25 Δ %/bp Written premiums 21,693 18,822 15.3% Net written premiums 21,686 18,727 15.8% Earned premiums 18,800 16,833 11.7% Acquisition cost 4,899 4,152 18.0% Loss cost 11,775 10,055 17.1% Technical result 2,126 2,626 (19.0%) Operating expens
Slide 18: Financial highlights
6. Financial highlights Profitability ratios 1Q26 1Q25 Δ %/bp Return on investments 7.4% 10.8% (339) ROE for the period 23.7% 33.3% (957) 12M ROE 16.8% 24.2% (741) Balance Sheet 1Q26 1Q25 Δ %/bp Assets 122,994 110,562 11.2% Investments & Real Estate 57,985 54,809 5.8% Invested assets or float* 53,95
Slide 19: Solvency margin
6. Solvency margin 25,000 16,494 16,105 20,000 13,750 General Assembly 2026 14,726 Surplus 10,530 15,000 The payment of a cash 420% dividend in the amount of 401% 10,000 362% $3,600,000,000 pesos, 314% Target 3,220 equivalent to $9 pesos per share, was approved and 5,000 will be paid in two 5,473 6,
Slide 20: Investor relations
Investor relations ir@qualitas.com.mx 20
Quálitas Controladora, S.A.B. de C.V. — 1Q26 Earnings Presentation on 6ix