Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Qualitas Controladra Sab — Q4 2024 Earnings Presentation
9 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, Jan 27, 2025
Slide 1: Earnings results webcast 4th quarter & full year 2024
YEARS Earnings results webcast 4th quarter & full year 2024 January 28th, 2025
Slide 2: The backbone of success: operational excellence
The backbone of success: operational excellence YEARS 5,737,056 Insured Units CAGR of the last 5 years: +8.0% ~3.3 M ~2 M +650 K +7 K +1,500 +570 Roadside Claim Received calls Claims Employees Service offices assistance officers & ODQ’s 2
Slide 3: Executing on our strategy
Executing on our strategy… YEARS 1 2 3 Strengthen our leadership Accelerate growth in our Actively looking for new in Mexico subsidiaries business opportunities Strengthening the organization 3
Slide 4: Strong expectations, stronger top line
Strong expectations, stronger top line YEARS Written premiums Earned premiums 69,276 61,193 49,591 53,726 20,897 16,510 16,402 14,030 C C 27.4% 28.9% 17.7% 23.4% 4Q23 4Q24 2023 2024 4Q23 4Q24 2023 2024 Individual Fleets Financial Institutions Q International Business 4Q ∆%: +21.1% +49.1% +23.2% -0.2
Slide 5: Discipline pays off
Discipline pays off YEARS LOSS RATIO 4Q24 63.2% 66.0% 2024 64.4% 66.3% QC Q Mx 4Q23 67.5% 70.7% 2023 69.2% 70.9% • Underwriting discipline in place to offset Inflation and FX potential FX impact impact • Spare parts’ costs determined by supply and demand • Q stats reflect our leading share in heavy
Slide 6: Eyes on the road to maximize results
Eyes on the road to maximize results YEARS 4Q24 2024 21.2% 22.0% Acquisition ratio Acquisition ratio 90.8% 3.5% 92.2% 4.0% Combined Operating ratio Combined Operating ratio ratio ratio 66.0% 66.3% Loss ratio Loss ratio Financial income Net income %∆ growth vs previous period %∆ growth vs previous pe
Slide 7: Strong Capital position
Strong Capital position 25,000 Dividend policy 17,541 20,000 “Maintain at least 1.5x the 16,220 14,726 regulatory Surplus 14,006 14,804 capital 172% requirement. Once it 15,000 565% has complied with it, will 446% 420% 421% recommend 3,151 a dividend3,634 3,386 payment between 40% to 10,000 Objectiv
Slide 8: Visión 2025: pathway to future success
Visión 2025: pathway to future success 20-25% Within objective historical 92-94% At our range historical ROE High single to Within levels low-mid 62-65% Combined teens range Acquisition ratio growth and operating Loss ratio Top line Ratio
Slide 9: Investor relations contacts
YEARS Andrea González Raquel Leetoy angonzalez@qualitas.com.mx rleetoy@qualitas.com.mx t: +52 (55) 1555 6316 t: +52 (55) 1555 6313
Qualitas Controladra Sab — Q4 2024 Earnings Presentation on 6ix