Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Q2 2026 Earnings Presentation
20 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, 2026
Slide 1: Corporate presentation 2Q26
Corporate presentation 2Q26
Slide 2: Index
Index Índice 01 Leaders for more than 19 years 02 Going forward… 03 Value creation Subtitle Here 04 Industry landscape 05 Our stock 06 Appendix
Slide 3: Our essence
Our essence +32 years of 6 countries. experience USA, Mexico, El In the industry and Salvador, Peru, 19 as leaders Costa Rica and Colombia 608 ~28,800 254 service Agents offices and 354 ODQ’s Risk, accident, and fraud prevention. Leaders of ESG Enhancing criterion efficiency incorporation 3
Slide 4: Corporate structure
1. Corporate structure GEOGRAPHIC SUBSIDIARIES: We aim to expand and replicate our successful business model, while achieving greater revenue diversification and driving growth VERTICAL INTEGRATION: It allows us to optimize costs, enhance risk prevention and information analysis, as well as provide
Slide 5: Quálitas' DNA
1. Quálitas’ DNA Technological systems used in our call center are +6.1 MILLIONS Insured units design in house. POLICYHOLDERS Automatic assignation ~28,800 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 leadership in Accelerate growth in our Actively looking for new Mexico subsidiaries business opportunities STRENGTHENING OF THE ORGANIZATION 7
Slide 8: Sustentability
2. Sustentability E Environmental ▪ ~49% 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 17,414 17,329 39,022 2,425 36,192 980 17,392 825 1,863 36,236 16,666 33,498 2Q25 2Q26 6M25 6M26 2Q25 2Q26 6M25 6M26 2Q25 2Q26 6M25 6M26 Net result Comprehensive financial income 4.7% 8.0% 1,407 1,218 2,751 1,389 3,552 1,161 2,337 2,
Slide 10: Value creation
3. Value creation Δ%/pb Δ%/pb 20 Business line 2Q26 2Q25 6M26 6M25 2 vs. 25 vs. 25 25 02 Traditional 10,487 10,831 (3.2%) 24,754 23,472 5.5% 4 Individual 6,873 6,708 2.5% 14,540 14,096 3.1% Fleets 3,614 4,124 (12.4%) 10,214 9,376 8.9% Financial institutions 5,924 5,596 5.9% 12,416 10,764 15.4% Forei
Slide 11: Value creation
3. Value creation Ratios Acquisition Loss 25.1% 71.9% 68.1% 65.7% 64.8% 24.1% 64.2% 63.1% 23.7% 23.2% 23.0% 22.9% 22.6% 44.2% 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 2Q26 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 2Q26 Operating Combined 10.2% 97.7% 95.3% 95.7% 93.5% 92.8% 92.4% 5.6% 5.8% 4.8% 4.5% 4.2% 77.6% 3.3% 2Q20 2Q
Slide 12: Value creation
3. Value creation Portfolio by subsidiary Total portfolio Return on investments Our investment policy considers ESG criteria to ensure sustainable investments. 12
Slide 13: Industry landscape: Market share
4. Industry landscape Market share 6.8% Participación de mercado por 7.5% 11.6% 12.7% 13.1% 12.6% 12.0% 11.7% segmento 5.7% 5.8% Market share by segment 4.5% 5.9% 6.3% 5.7% 7.0% 6.8% 5.8% 6.2% 5.5% 3.0% 2.5% 2.6% 3.2% 3.3% 10.2% 9.7% 7.0% 8.8% 11.2% 10.7% 10.9% 8.0% 10.9% 12.4% 7.5% 7.7% 43.8% Truck
Slide 14: Theft and recovery in Mexico
4. Industry landscape Theft and recovery in Mexico • Theft 6M26: Quálitas reported a 15.3% decline, compared to a 16.0% decline for the rest of the industry. • Recovery rate: Quálitas achieved a 49.4% recovery rate, 620 bp above the rest of the industry. 25,000 53.0% 51.3% 51.0% 49.4% 20,000 49.0% 4
Slide 15: New car sales in Mexico
4. Industry landscape New car sales in Mexico • 2026 estimates (INEGI, June): Light vehicle sales are projected at ~1.6 million units (growth range of +2.7% to +3.4%), while heavy vehicle sales are expected to reach ~38 thousand units (+0.3%). • Total new vehicle sales increased 7.1% in 2Q26 vs. 2Q2
Slide 16: Our stock
5. Our stock Q* stock performance Marketability index Q* was listed on the Traded volume Mexican Stock Mexican Stock (daily average) Exchange Exchange in 2005 Traded Volume Included in 5 indexes: S&P/BMV volume* (MM USD) June 2026 IPC, Total Mexico ESG, 1Q26 745,868 $7.1 S&P/BMV Rentable, BIVA Mid c
Slide 17: Financial highlights
6. Financial highlights QUARTERLY YEAR TO DATE Income Statement 2Q26 2Q25 Δ %/pb 6M26 6M25 Δ %/pb Written premiums 17,329 17,414 (0.5%) 39,022 36,236 7.7% Net written premiums 17,070 17,396 (1.9%) 38,755 36,123 7.3% Earned premiums 17,392 16,666 4.4% 36,192 33,498 8.0% Acquisition cost 4,289 4,196 2
Slide 18: Financial highlights
6. Financial highlights Profitability ratios 2Q26 2Q25 Δ %/pb 6M26 6M25 Δ %/pb Return on investments 7.4% 8.4% (99) 7.4% 9.7% (225) ROE for the period 21.4% 22.0% (62) 21.4% 22.0% (62) LTM ROE 18.3% 26.5% (828) 18.3% 26.5% (828) Balance Sheet 2Q26 2Q25 Δ %/pb Assets 123,702 110,835 11.6% Investments
Slide 19: Solvency margin
6. Solvency margin General Assembly 2026 The payment of a cash dividend in the amount of $3,600,000,000 pesos, equivalent to $9 pesos per share, was approved and will be paid in two installments: $4.5 pesos on May 13, 2026, and $4.5 pesos on November 5, 2026. Figures in millions MXN 19 Solvency marg
Slide 20: Investor relations
Investor relations ir@qualitas.com.mx 20
Quálitas Controladora, S.A.B. de C.V. — Q2 2026 Earnings Presentation on 6ix