Grupo Elektra Sab De Cv · BME:XEKT
Grupo Elektra Sab De Cv — Q1 2026 Earnings Presentation
17 slides from Grupo Elektra Sab De Cv's earnings presentation
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 Q1 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$50 thousand, 79% with their own home and 96% with a high school certificate or higher). Source: AMAI (Mexican
Slide 5: Business Segments
Business Segments Revenue LTM Q1 2026: Ps.213,390 millions (+2% vs LTM Q1 2025) Commercial business Financial business Revenue LTM Q1 2026: Ps.76,301 millions (-4% vs LTM Q1 2025) Revenue LTM Q1 2026: Ps.137,089 millions (+6% vs LTM Q1 2025) 36% of Consolidated Revenue 64% of Consolidated Revenue Ca
Slide 6: Commercial business
Commercial business Elektra stores ❑ 75 years focused on the dynamic middle class. ❑ 1,368 contact points as Q1 2026: ▪ 1,242 in Mexico. ▪ 126 in Central America. ❑ Average sales floor in Mexico: 1,219 m². ❑ Omnichannel sales: in store, online and through our apps (shopinbaz and elektra) (~6% of tot
Slide 7: Commercial business: Motorcycles
Commercial business Motorcycles ▪ In 2004, Italika, Grupo Elektra's own brand, was launched. ▪ It has ~59% market share in Mexico. ▪ 50+ models with engines between 110 y 300 cc. ▪ 11.1+ million motorcycles sold since 2004, and ~1.2 million in LTM Q1 2026. ▪ Presence in Mexico, Guatemala and Hondura
Slide 8: Commercial business: International Money Transfers
Commercial business International Money Transfers ❑ 30+ years experience. ❑ 11 million customers. ❑ #1 in Mexico: ▪ +2,000 branches. ▪ Open every day from 9 am to 9 pm. ▪ Cash always available. ▪ 24/7 through digital channels (40.4% of total transactions LTM Q3 2025). ▪ Collection without account an
Slide 9: Commercial business: International Money Transfers
Commercial business In USA: ▪ ICE raids continue to impact the immigrant labor International Money Transfers market, reducing the number of transactions per sender while increasing the amount sent. It is estimated that over 622,000 people have been Total Remittances to México (US$ B) deported and 1.
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. ❑ In Mexico: ▪ Is the largest bank, by personal loans portfolio and branches. ▪ 34.5 million deposit accounts as of Q1 2
Slide 11: Financial business: Digital banking
Financial business Digital banking ❑ 28.3 million digital accounts. ❑ Banco Azteca app is the largest digital bank in Mexico. ❑ During LTM Q1 2026, 68% 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 +2% CAGR: 10% $208,502 $213,390 $215,356 $213,390 $12,961 $201,296 $184,151 $164,691 $146,019 $120,507 $7,262 $5,906 $5,463 $5,707 $4,501 $4,194 LTM Q1 2025 LTM Q1 2026 2020 2021 2022 2023 2024 2025 LTM Q1 2020 2021 2022 2023 20
Slide 14: Banco Azteca Highlights
Banco Azteca Highlights Ps. Million Gross Loan Portfolio Delinquency Rate CAGR: 12% $208,487 $208,270 $187,646 $161,307 $169,558 $123,198 6.3% $103,529 5.7% 4.7% 4.7% 4.0% 4.2% 3.8% 2020 2021 2022 2023 2024 2025 Q1 2026 2020 2021 2022 2023 2024 2025 Q1 3026 Demand Deposits Capitalization Index CAGR:
Slide 15: Consolidated Debt as of March 31, 2026
Consolidated Debt as of March 31, 2026 USD$ MXN$ Maturity Description Interest rate Issue Date mm mm date Commercial business (1) Cebures Elektra 21U - 1,941 4.53% Real 13-Apr-21 7-Apr-26 Banco Multiva - 809 TIIE + 2.75% 30-Jun-23 22-Jun-26 Cebures Elektra 25 - 2,085 TIIE-F + 1.65% 27-Mar-25 16-Jul-
Slide 16: Consolidated Debt Maturity Profile as of March 31, 2026
Consolidated Debt Maturity Profile as of March 31, 2026 Annual Amortization Schedule Ps. mm $40,000 $34,150 $35,000 $6,197 $30,000 18% $25,000 $1,098 $20,000 3% $15,000 $8,821 $9,249 $26,854 $10,000 $6,100 $4,878 79% $3,841 $5,000 $1,261 $0 2026 2027 2028 2029 2030 2031 Total Cebures Bank Loans Seni
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Grupo Elektra, S.A.B. de C.V. — Q1 2026 Earnings Presentation on 6ix