Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Q4 2025 Earnings Presentation
20 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, 2026
Slide 1: Corporate presentation 4th quarter & FY2025
Corporate presentation 4th quarter & FY2025
Slide 2: Index
Index 01 Leaders for more than 18 years 02 Going forward… 03 Value creation Subtitle Here 04 Industry landscape 05 Our stock 06 Appendix
Slide 3: Our essence
Our essence +30 years of 6 countries. experience USA, Mexico, El In the industry and Salvador, Peru, 18 as leaders Costa Rica and Colombia 600 ~27,000 248 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: VERTICAL INTEGRATION: We aim to expand and replicate our successful It allows us to optimize costs, enhance risk business model, while achieving greater revenue prevention and information analysis, as well diversification and driving growth as provide
Slide 5: Quálitas' DNA
1. Quálitas’ DNA Technological systems used in our call center are +6.0 MILLIONS Insured units design in house. POLICYHOLDERS Automatic assignation ~27,000 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 Actively looking for Accelerate growth in leadership in Mexico new business our subsidiaries opportunities • Through technological and • Capitalize them to boost its • Expand our service to other product innovation growth in profitable manner business lines suc
Slide 8: Sustainability
2. Sustainability E Environmental ▪ ~37% 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 22,233 69,323 2,808 18,022 583 75,804 2,271 4Q24 4Q25 20,897 16,610 61,293 69,276 (1,545) 4Q24 4Q25 2024 2025 4Q24 4Q25 2024 2025 2024 2025 Net result Comprehensive financial income 1,352 5,119 1,557 5,110 3.0% 6.7% 5,095 OPERATING
Slide 10: Value creation: Premiums and insured units
3. Value creation Premiums and insured units Δ %/bp Δ %/bp Business line 4Q25 4Q24 2025 2024 25 vs 24 25 vs 24 24.1% 20 Traditional 13,948 14,478 (3.7%) 48,149 46,842 2.8% 2 25 22.0% 02 Individual 7,266 7,281 (0.2%) 27,886 25,904 7.7% 4 Fleets 6,681 7,197 (7.2%) 20,263 20,938 (3.2%) 78.0% Financial
Slide 11: Value creation: Ratios
3. Value creation Ratios Acquisition Loss 22.6% 76.0% 77.0% 22.0% 70.0% 70.7% 21.7% 21.4% 21.2% 65.4% 21.0% 58.7% 58.3% 19.9% 4Q19 4Q20 4Q21 4Q22 4Q23 4Q24 4Q25 4Q19 4Q20 4Q21 4Q22 4Q23 4Q24 4Q25 Operating Combined 102.6% 5.0% 98.5% 4.9% 94.3% 93.4% 3.5% 3.6% 90.1% 2.3% 84.2% 83.6% 0.9% 0.8% Pie de
Slide 12: Value creation: Investment portfolio and return
3. Value creation Premiums and insured units Total portfolio Portfolio by subsidiary 79.0% 55.9% QMX Government 73.6% 58.1% 10.4% Equities 13.5% QIC 13.1% 15.4% International bonds 12.4% 4.7% 17.1% Other 1.9% Local corp bonds 11.3% 4.5% 4Q25 4.4% 4Q25 QCind 7.1% 5.0% 4Q24 4Q24 Cash & Equivalents 5.9
Slide 13: Industry landscape: Market share
4. Industry landscape Market share 8.4% 7.6% 6.0% 9.8% 9.9% 8.7% 13.7% 12.3% 13.3% 12.2% 11.4% 5.6% Market share by segment 6.1% 5.3% 6.1% 6.3% 6.3% 4.9% 7.0% 6.5% 5.8% 6.1% 5.0% 5.8% 5.7% 4.7% 4.9% 5.3% 4.2% 4.1% 4.6% 4.0% 3.8% 9.2% 8.7% 6.8% 9.8% 9.7% 10.1% 9.3% 7.0% 9.1% 10.8% 10.6% 10.9% 8.6% 8.
Slide 14: Theft and recovery in Mexico
4. Industry landscape Theft and recovery in Mexico • 12M25 Theft: 11.0% decline for Quálitas vs. 15.3% for the rest of the industry. • Quálitas recovery rate: 43.6%, 100 bps above the rest of the industry. 60,000 55.0% 53.6% 50,000 49.3% 50.0% 40,000 46.2% 44.2% 43.6% 45.0% 42.5% 42.5% 30,000 43.8%
Slide 15: New car sales in Mexico
4. Industry landscape New car sales in Mexico ▪ Total new unit sales declined 0.9% in 4Q25 vs. 4Q24 (light vehicles: +3.9%, heavy vehicles: -53.1%). ▪ Chinese brands accounted for 9.4% of total light vehicles in 2025, while hybrid, electric, and plug-in vehicles represented 9.6% of annual light vehi
Slide 16: Our stock
5. Our stock Q* stock performance Q* was listed on the Marketability index Traded volume Mexican Stock Mexican Stock Exchange in 2005 (daily average) Exchange Traded Volume Included in 5 indexes: S&P/BMV IPC, Total Mexico ESG, volume* (MM USD) Dic 2025 S&P/BMV Rentable, BIVA Mid 3Q25 669,843 $6.2 ca
Slide 17: Financial highlights
6. Financial highlights Quarterly Year to date Δ %/bp Δ %/bp Income Statement 4Q25 4Q24 2025 2024 25 vs 24 25 vs 24 Written premiums 22,233 20,897 6.4% 75,804 69,276 9.4% Net written premiums 22,216 20,883 6.4% 75,681 69,202 9.4% Earned premiums 18,022 16,610 8.5% 69,323 61,293 13.1% Acquisition cos
Slide 18: Financial highlights
6. Financial highlights Δ %/bp Δ %/bp Profitability ratios 4Q25 4Q24 2025 2024 25 vs 24 25 vs 24 Return on investments 8.1% 11.5% (331) 8.7% 9.6% (84) ROE for the period (3.0%) 22.2% (2,517) (2.9%) 22.5% (2,545) LTM ROE 20.2% 22.1% (190) 20.2% 22.1% (190) Δ %/bp Balance Sheet 2025 2024 25 vs 24 Asse
Slide 19: Solvency margin
6. Solvency margin 30,000 25,000 General Assembly 2025 17,987 20,000 16,494 Surplus 14,726 15,003 The payment of a cash 14,006 dividend in the amount of 15,000 446% 420% $4,000,000,000 pesos, 401% 401% Objective equivalent to $10 pesos 10,000 2,984 per share, was approved, and paid in two 5,000 5,47
Slide 20: Investor Relations
Investor Relations ir@qualitas.com.mx
Quálitas Controladora, S.A.B. de C.V. — Q4 2025 Earnings Presentation on 6ix