Qualitas Controladra Sab (QUCOF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, and thank you for joining Qualitas' fourth quarter and full year 2025 earnings call. I will pass the call over to Jorge Perez, Qualitas' IRO. Good morning, and thank you for joining Qualitas' fourth quarter and full year 2025 earnings call. I'm Jorge Perez, Qualitas IRO. Joining me today are Jose Antonio Correa, our executive president, Bernardo Rizul, our CEO, and Roberto Araujo, our CFO. Before we begin, please note that information discussed on today's call may include forward-looking statements. These statements are based on management's current expectations and are subject to many risks and uncertainties that could cause actual events and results to differ materially from those discussed during today's call. Qualitas undertakes no obligation to publicly update or revise any forward-looking statements. whether because of new information, future events, or otherwise. With that, I will now turn the call over to Jose Antonio, our Executive President, for his remarks. Thank you, Jorge. Good morning, everyone. It's great to be with you once again, and let me begin by wishing you all the very best for the year ahead. 2025 proved to be a year of strong performance alongside notable regulatory changes for Qualitas and for the insurance industry as a whole. As we review our results, we would like to highlight several key developments and I would like to begin by formally recognizing the commitment of our agents, policyholders, and employees, whose efforts enable a strong full-year performance amid a challenging macroeconomic environment. This strong execution continues to be clearly reflected in our industry's positioning and operating metrics. For example, according to the latest AMIS figures as of September, Qualitas remains the clear market leader with 32...