Grupo Elektra Sab De Cv · BME:XEKT
Grupo Elektra Sab De Cv — Q2 2026 Earnings Presentation
17 slides from Grupo Elektra Sab De Cv's earnings presentation, August 2026
Slide 1: Grupo Elektra, S.A.B. de C.V.
Guía Rápida Grupo Elektra Grupo Elektra, S.A.B. de C.V. Grupo Elektra, S.A.B. de C.V. BMV: ELEKTRA*; LATIBEX: XEKT Q2 2026 2T 2023 1
Slide 2: Non-IFRS measures and forward-looking statements
This Presentation refers to certain non-IFRS measures. These non-IFRS measures do not have a standardized meaning prescribed by IFRS and are therefore unlikely to be comparable to similar measures presented by other companies. These measures are provided as additional information to provide further
Slide 3: The Company at a glance
The Company at a glance Grupo Elektra is the leading financial services company and PRESENCE specialized retailer in Latin America, and the largest provider of short-term, non-bank loans in the US. Contributing to improve the purchasing power of millions of families underserved by traditional banks.
Slide 4: Target market
Target market Our target market is: 7% 59% 12% of Mexican families 15% 16% 15% 25% In the US, the customer profile matches the average American citizen (43 years 9% old, family income of US$50 thousand, 79% with their own home and 96% with a high school certificate or higher). Source: AMAI (Mexican
Slide 5: Business Segments
Business Segments Revenue LTM Q2 2026: Ps.210,287 millions (-0.4% vs LTM Q2 2025) Commercial business Financial business Revenue LTM Q2 2026: Ps.74,354 millions (-7% vs LTM Q2 2025) Revenue LTM Q2 2026: Ps.135,933 millions (+4% vs LTM Q2 2025) 35% of Consolidated Revenue 65% of Consolidated Revenue
Slide 6: Commercial business
Commercial business Elektra stores ❑ 75 years focused on the dynamic middle class. ❑ 1,355 contact points as Q2 2026: ▪ 1,229 in Mexico. ▪ 126 in Central America. ❑ Average sales floor in Mexico: 1,226 m². ❑ Omnichannel sales: in store, online and through our apps (shopinbaz and elektra) (~6% of tot
Slide 7: Commercial business: Motorcycles
Commercial business Motorcycles ▪ In 2004, Italika, Grupo Elektra's own brand, was launched. ▪ It has ~59% market share in Mexico. ▪ 50 models with engines between 110 y 300 cc. ▪ 11.3+ million motorcycles sold since 2004, and ~1.2 million in LTM Q2 2026. ▪ Presence in Mexico, Guatemala and Honduras
Slide 8: Commercial business: International Money Transfers
Commercial business International Money Transfers ❑ 30+ years experience. ❑ 11 million customers. ❑ #1 in Mexico: ▪ +2,000 branches. ▪ Open every day from 9 am to 9 pm. ▪ Cash always available. ▪ 24/7 through digital channels (40% of total transactions LTM Q2 2026). ▪ Collection without account and
Slide 9: Commercial business: Total Remittances to México
Commercial business International Money Transfers Total Remittances to México (US$ B) 3.9% 4.1% 4.0% 3.5% 4.0% 3.4% 2.6% 2.7% 2.8% 2.9% 2.1% 2.0% 1.9% 1.8% 1.9% 2.2% $63.3 $65.0 $63.4 $63.4 $58.9 CAGR: 6.7% $52.5 $41.7 $37.3 $34.4 $30.9 $24.4 $25.4 $27.6 $22.0 $23.5 $23.3 $23.1 2010 2011 2012 2013 2
Slide 10: Financial business: Banco Azteca
Financial business Banco Azteca ❑ Since 2002, Banco Azteca is a pillar for financial inclusion, offering banking services to millions of families underserved by traditional banks, earning the recognition for the third consecutive time as “Financial Literacy and Inclusion Champion – Mexico 2026” by C
Slide 11: Financial business: Digital banking
Financial business Digital banking ❑ 28.9 million digital accounts. ❑ Banco Azteca app is the largest digital bank in Mexico. ❑ During LTM Q2 2026, 69% of the total transactions were made in the app: ▪ 4 out of 10 credit payments. ▪ 6 out of 10 cash credits. ▪ 8 out of 10 clarification requests are
Slide 12: Corporate sustainability strategy
Corporate sustainability strategy At Grupo Elektra we seek to contribute to the development of the communities in which we have presence, respecting the environment through profitable and inclusive solutions, with the purpose of generating Inclusive Prosperity, through the creation of economic, soci
Slide 13: Consolidated Financial Overview
Consolidated Financial Overview Ps. Millions Consolidated Revenue CAPEX -0.4% CAGR: 10% $211,183 $210,287 $215,356 $210,287 $12,961 $201,296 $184,151 $164,691 $146,019 $120,507 $7,262 $5,906 $5,463 $5,707 $4,501 $4,029 LTM Q2 2025 LTM Q2 2026 2020 2021 2022 2023 2024 2025 LTM Q2 2020 2021 2022 2023
Slide 14: Banco Azteca Highlights
Banco Azteca Highlights Ps. Million Gross Loan Portfolio Delinquency Rate CAGR: 12% $208,486 $209,279 $187,645 $161,307 $169,557 $123,198 $103,529 6.3% 5.4% 4.7% 4.7% 4.2% 4.0% 3.8% 2020 2021 2022 2023 2024 2025 Q2 2026 2020 2021 2022 2023 2024 2025 Q2 2026 Demand Deposits Capitalization Index CAGR:
Slide 15: Consolidated Debt as of June 30, 2026
Consolidated Debt as of June 30, 2026 USD$ MXN$ Maturity Description Interest rate Issue Date mm mm date Commercial business Cebures Elektra 25 - 2,085 TIIE-F + 1.65% 27-Mar-25 16-Jul-26 Cebures Elektra 23L - 1,092 TIIE + 1.50% 8-Dec-23 4-Dec-26 Cebures Elektra 00126 - 2,000 TIIE-F + 1.65% 19-Mar-26
Slide 16: Consolidated Debt Maturity Profile as of June 30, 2026
Consolidated Debt Maturity Profile as of June 30, 2026 Annual Amortization Schedule Ps. mm $40,000 $35,000 $31,893 $5,998 $30,000 18% LT Investment $25,000 $21,575 $378 $961 $20,000 3% ST Investment $15,000 $10,108 $9,168 $9,381 $24,934 $10,000 $3,484 $3,804 $4,836 78% Cash $5,000 $1,219 $11,094 $0
Slide 17: nou
Q3 nou grupo elektra
Grupo Elektra, S.A.B. de C.V. — Q2 2026 Earnings Presentation on 6ix