Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Qualitas Controladra Sab — Q3 2025 Earnings Presentation
8 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, Oct 21, 2025
Slide 1: Earnings results webcast 3rd quarter 2025
Earnings results webcast 3rd quarter 2025 October 22nd, 2025
Slide 2: Slide 2
Slide 3: Resilient growth, strategic focus
Resilient growth, strategic focus Written premiums +7.3% +10.7% 17,335 53,572 16,151 48,379 3Q24 3Q25 9M24 9M25 Figures in million pesos Traditional Financial institutions Q International Business Individual Fleets 3Q ∆%: +7.2% -(3.6%) +17.6% +0.2% line 9M ∆%: +10.8% -(1.2%) +22.4% +9.0% Q Internati
Slide 4: Profitability through discipline
Profitability through discipline Earned premiums +16.2% +14.8% 51,301 17,802 44,683 15,321 3Q24 3Q25 9M24 9M25 Figures in million pesos Loss Ratio QC Q Mx Figures in million pesos
Slide 5: Operating discipline in action
Operating discipline in action 93.0% 24.5% 6.0% 62.4% 3Q25 Combined Acquisition ratio Operating ratio Loss ratio ratio +1.8 pp vs 3Q24 +2.2 pp vs 3Q24 -6.8 pp vs 3Q24 91.3% 23.6% 6.0% 61.8% 9M25 Combined Acquisition ratio Operating ratio Loss ratio ratio +1.3 pp vs 9M24 +1.8 pp vs 9M24 -4.6 pp vs 9M
Slide 6: Solid portfolio, strong results
Solid portfolio, strong results Financial income -4.1% +15.1% 1,183 3,885 1,134 3,377 3Q24 3Q25 9M24 9M25 Figures in million pesos 86.4% 2.3 8.6% 8.9% Fixed Years duration Yield to 9M25 ROI Income maturity proportion
Slide 7: Profitability that endures
Profitability that endures Net income +51.4% +40.3% 10.0% 9.8% 5,285 3Q25 9M25 Net Margin Net Margin 1,734 3,767 1,145 $16.6 26.7% 12M EPS 12M ROE 3Q24 3Q25 9M24 9M25 Figures in million pesos Strong $6.0 B $18.0 B 401% capital Regulatory capital Solvency margin Solvency ratio position
Slide 8: Investor Relations
Investor Relations ir@qualitas.com.mx
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