Grupo Financiero Banorte, S.A.B. de C.V. (GBOOF) 📈: отчетность и дивиденды за 2025

Capitalização

Ifrs

Relatórios Anual Trimestral

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Média de 5 anos	CAGR 5
Capitalização, bilhão $						13.99	14.56	18.53	24.75			26.41	17.96	15.33
Receita, bilhão $			90.22	110.53	129.9	138.05	143.66	160.97	179.54	196.7	219.83	219.83	180.14	8.88
Lucro líquido, bilhão $			19.31	23.91	31.96	36.53	30.51	35.05	45.41	52.42	56.19	56.19	43.92	12.99
EV, bilhão $					370.24	372.24	15.57	417.94	455.66	497.61	453.58	453.58	368.07	96.28
Ebitda, bilhão $	1.52	1.42	27.38	34.9	46.27	51.92	43.23						40.74	9.56
Valor do equilíbrio, bilhão $			140.75	145.75	172.28	193.72	222.24	234.23	236.04	249.35	249.41	249.41	238.25	2.33
FCF, bilhão $			-35.64	20.24	-9.05	2.38	47.27	6.61	64.81	70.46	19.81	19.81	41.79	-15.97
Opera.Mnoe Stream, bilhão $			-66.82	-41.25	-25.07	38.77	-42.52	33.82	-21.56	85.1	28.08	28.08	16.58	-192.04
Lucro operacional, bilhão $	1.35	1.28	24.23		0	0							8.95	161.82
Ópera. Despesas, bilhões $	1.98	1.72	52.68	62.88	70.98	0							38.05	104.59
Capex, bilhão $			4.08	4.78	4.5	4.58	7.44	4.52	11.79	14.64	8.27	8.27	9.33	2.14

	2016Q4	2017Q1	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2020Q1	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Média de 5 trimestres	CAGR 5
Receita, bilhão $																					49.4	46.11	48.76	52.43	57.88	-11.76	117.46	56.26	63.41	-13.56	42.36	2.89
Lucro líquido, bilhão $																					13.02	13.09	13.27	13.04	14.21	-0.1901	28.45	13.72	15.29	-0.6701	11.32	28.66
EV, bilhão $																				454.62	22.69		457.39	541.54	535.75	479.93	424.74	453.58	449.08	505.95	462.66	1.06
EBIT, bilhão $	0.616	0.934																													0.7750	23.14
Valor do equilíbrio, bilhão $																					249.39	239.42	250.08	249.35	261.85	242.83	253.82	249.41	267.06	252.88	253.20	0.81
FCF, bilhão $																					4.62	49.38	-20.5	9.34	26.21	27.49	-11.25	-22.63	39.09	39.66	14.47	7.61
Opera.Mnoe Stream, bilhão $																					5.5	52.26	-17.59	11.75	28	29.44	-9.18	-20.19	42.38	42.17	16.92	7.45
Lucro operacional, bilhão $													3.63	1.72	32.02	33.15	34.19	27.84	30.53	-167.9	69.42	2.3									-7.5620	-39.27
Ópera. Despesas, bilhões $			0.453	0.5461	0.4619	0.001	0.4605	0.626	19.31	15.59	17.07	23.13																			15.15	105.84
Capex, bilhão $																					0.8804	2.87	2.91	2.4	1.8	1.96	2.07	2.44	3.3	2.51	2.46	5.07

Fluxo de caixa O fluxo de caixa é trimestralmente Ativos

Saldo contábil

Ifrs

Relatórios Anual Trimestral

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Média de 5 anos	CAGR 5
Dinheiro, bilhão $			65.89	76.27	75.64	62.8	109.31	98.84	108.25	100.23	98.7	98.7	103.07	-2.02
Investimentos de curto prazo $	0.0591	0.0287											0.0439	-30.31
Investimentos de longo prazo $	30.21	26.51	202.92	228.53	255.69	265.64	374.31	381.71	426.29	491.44			387.88	13.09
Contas a receber $	1.7	1.6	34.61	38.67	39.2	32.68	43.18	36.86	32.32				36.85	-3.79
Total de ativos circulantes $	9.23	10.24	180.91	176.41	165.91	142.17	265.19	192.6	235.1				200.19	7.22
Ativos puros, bilhões $	0.8709	0.8462	15.83	18.17	17.68	18.76	32.63	21.45	35.9				25.28	15.22
Ativos, bilhões $			1 268.12	1 354.15	1 620.47	1 580.01	1 787.9	1 850.88	2 070.07	2 274.86	2 471.21	2 471.21	2090.98	6.69
Dívida de curto prazo $	1.68												1.68	0.00
Dívida de longo prazo $	2.71	2.13		0	0	0							2.42	-11.34
Dívida, bilhão $			1 125.42	1 206.56	1 446.01	1 384.01	1 562.8	1 613.64	1 831.04	2 025.65	2 222.78	2 222.78	1851.18	7.30
Dívida pura, bilhão $				5.87	93.88	53.17	30.79	41.66	17.2	30.31	67.11	67.11	37.41	16.86
Dívida, bilhão $	4.39							554.07	601.84			635.81	386.77	415.63
Receita de juros $			79.06	109.34	136.3	149.11	132.16	133.26	268.63	375.5			211.73	20.29
Despesas com juros, bilhões $					60.75	68.69	47.9	40.77	152.47	248.02	266.07	266.07	151.05	40.91
Renda de juros pura, bilhão $			51.68	64.71	75.55	80.42	84.26	92.48	116.16	127.48		19.54	100.16	9.65
Boa vontade $			12.68	12.64	24.45	26.7	26.72	26.73	26.74	26.83			26.74	0.10
Suprimentos médicos $	0.2477	0.1584	2.05	1.88	1.86	1.83	2.5	2.9	3.94				2.61	16.20

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Média de 5 trimestres	CAGR 5
Dinheiro, bilhão $																								107.25	130.57	109.22	100.23	125.07	125.89	100.11	98.7	136.91	139.68	120.26	2.10
Investimentos de curto prazo $		0.0016	0.000232	0.0126	0.3316	0.0326	0.0094	0.0849	0.2031																									0.1323	-9.34
Investimentos de longo prazo $																		769.56	381.71	814.67	836.84	847.58	426.29	863.92	870.09	924.77	491.44							715.30	2.89
Contas a receber $															43.18	56.66	66.14	61.59	36.86	74.7	86.05	62.53	32.32	69.3										64.98	-1.49
Total de ativos circulantes $														251.33	265.19	483.97	221.45	175.35	192.59	347.97	299.95	279.13	235.1											270.95	4.07
Ativos puros, bilhões $														31.68	32.63	32.81	20.5	20.8	21.45	28.71	29.5	29.43	35.9											29.00	10.85
Ativos, bilhões $																								2 130.03	2 191.38	2 298.37	2 274.86	2 395.4	2 435.01	2 420.03	2 471.21	2 552.76	2 524.48	2480.70	0.72
Dívida de curto prazo $	0.833	0.704	399.73	0.9791	1.12	0.8655																												80.68	4.22
Dívida de longo prazo $				3.02	3.06	3.18	2.46	3.44	6.68	0	0	0	0																					3.76	16.90
Dívida, bilhão $																								1 877.46	1 948.76	2 045.1	2 025.65	2 133.77	2 192.73	2 166.84	2 222.78	2 286.62	2 273.07	2228.41	0.72
Dívida pura, bilhão $																							17.2	15.38		17.01	30.31	7.68	18.13	36.32	67.11	19.1	7.28	29.59	-16.68
Dívida, bilhão $	3.25	2.23	447.08	4	4.18	4.04																												92.31	12.62
Receita de juros $																	31.02	32.89		55.23	60.29	72.37	80.74	87.22	91.54	99.53	97.2							91.25	3.78
Despesas com juros, bilhões $																								55.49	63.02	66.34	63.16	60.71	2.51	128.51	74.35	73	3.01	56.28	3.70
Renda de juros pura, bilhão $																		22.87		26.92	27.05	30.96	31.22	31.73	28.52	33.19	34.04	4.97						26.49	-30.98
Boa vontade $															26.72				26.73	26.72	26.73	26.72	26.74	26.71	26.69	26.7	26.83							26.73	0.07
Suprimentos médicos $															2.5	2.38	2.56	2.91	2.9	2.78	3.35	3.48	3.94	4.07										3.52	7.92

Promoção

Ifrs

Relatórios Anual Trimestral

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média de 5 anos	CAGR 5
EPS	6.96	8.62	11.27	12.67	10.58	12.15	15.75	18.18	19.98		19.98	15.33	13.56
O preço da ação do AO		5.38	4.86	6.07	5.51	6.09	7.18	10.05	6.73	9.39	9.39	7.89	9.05
O número de ações da AO, milhões		2773	2880	2878	2883	2883	2883.46	2883.46	2812.16		2812.16	2869.02	-0.50
FCF/Promoção			-3.16	0.8251	16.39	2.29	22.48	24.44	7.04		7.04	14.53	-15.55

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média de 5 trimestres	CAGR 5
EPS				4.51	4.54	4.6	4.52	4.93	-0.0666	10.11	4.88	5.44	-0.2402		4.02	29.25
O preço da ação do AO	6.44	6.02	7.69	8.31	8.38	8.69	8.99					7.5	9.51	9.39	8.82	1.56
FCF/Promoção				1.6	17.13	-7.11	3.24	9.09	9.63	-4	-8.05	13.9	14.22		5.14	8.11

	Média de 5 trimestres	CAGR 5

Eficiência

Ifrs

Relatórios Anual Trimestral

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
ROE, %				13.72	16.4	18.55	18.86	13.73	14.96	19.31	21.6	22.53		22.53	243.92	18.43	10.41
Roa, %				1.52	1.77	1.97	2.31	1.71	1.89	2.32	2.41	2.37		2.37	226.49	2.14	6.75
ROIC, %		8.76	9.43	12.7											10.77	10.30	13.18
Ros, %					21.63	24.6	26.46	21.24	21.77	25.29	26.65	25.56	25.56	25.56	29.53	24.97	3.26
Roce, %													0	0	10.19
EBIT margem													0	0	28.04
Lucratividade do EBITDA			47.44	30.35	31.57	35.62	37.61	37.22	48.82	57.68			0	0	37.13	43.39	10.12
Pura lucratividade				21.4	21.63	24.6	26.46	21.24	21.77	25.29	26.65	25.56		25.56	29.53	24.10	3.77
Eficiência operacional, %		40.5	42.53	26.85		0	0				0	0	0	0	35.79	36.63	-12.80
Margem porcentagem pura, %	17.91	18.36	19.98	21.4	21.63	24.6	26.46	21.24	21.77					22.46	22.43	23.14	0.13
FCF lucratividade, %														75.02	240.79

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
ROE, %										5.22	5.47	5.47	5.32	5.71	-0.0759	11.31	5.45	6.05	-0.2633		243.92	4.49	28.25
Roa, %										0.6112	0.5973	0.5911	0.5704	0.6085	-0.0079	1.17	0.5612	0.6086	-0.0264		226.49	0.4611	27.29
ROIC, %	2.31	4.87	2.91	2.91	2.84	3															10.77	3.31	-9.23
Ros, %											28.38	27.21	24.88	24.55	1.62	24.22	24.39	24.11	4.94	25.56	29.53	20.64	1.08
Roce, %	9.02	12.41																			10.19	10.71	17.30
Pura lucratividade										26.35	28.38	27.21	24.88	24.55	1.62	24.22	24.39	24.11	4.94		29.53	15.86	24.98
Eficiência operacional, %		374.07	47.34	49.9	36.27	53.93	56.28	56.43	47.21												35.79	50.02	5.41

Coeficientes

Ifrs

Relatórios Anual Trimestral

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
P/e			15	13.1	12.5	0.48	9.98	12.52	9.66	8.91	6.88		6.88	127.14	9.59	-7.17
P/bv			2	2.1	1.6	1.8	1.71	1.5	1.83	1.88	1.56		1.56	1.97	1.70	-1.82
P/s			3	2.8	3.1	0.13	2.21	0.23	2.44	2.38	1.76		1.76	3.33	1.80	-4.45
P/fcf			-0.2	-0.33	-0.47	0.51	-0.32	-0.41		0.378	0.3002	1.33	1.33	-0.42	0.2556	-232.97
E/p			136.33	155.85	229.86	209.28	192.55	150.61		1.85	42.03	2.13	2.13	77.58	77.83	-59.38
EV/EBIT											0	0	0	190.01
EV/EBITDA	11.5	10.27	-1.89	-1.75	-1.33	-0.87	-2.16	-2.06						184.97	-1.6340	3.32
EV/S						2.69	2.41	2.49	2.54	2.53	2.06	2.06	2.06	4.02	2.34	-3.72
EV/FCF						155.85	7.34	60.72	7.03	7.06	22.9	22.9	22.9	12.04	24.12	-17.72
Dívida/Ebitda										0	0	0	0	-103.27
NetDebt/Ebitda			-2.41	-2.19	-1.63	-1.21	-2.53	-2.53		0	0	0	0	198.01	-2.0180	2.93
Dívida/índice			0.89	0.89	0.89	0.88	0.87	0.87		0.3071	0.2413	0.2573	0.2573	0.14	0.5091	-21.62
Dívida/patrimônio líquido			8	8.28	8.39	7.14	7.03	7.03		0	0	8.95	8.95	7.68	7.71	1.30
Dívida/lucro líquido	4.25									14	0.6174	11.32	11.32	31.33	7.55	27.75
Peg												0.132	0.132	-190.41	0.1320	0.00
Beta							0.96	0.97	0.71	2.39	-0.9122	0.2654	0.2654	0.35	0.6846	-22.83
ÍNDICE ALTMAN				-0.55	-0.55	-0.53	-0.38	0.0847	0.1052	0.1316	2.03	0.1336	0.1336	50.35	0.4970	9.54

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
P/e							10.9	9.63	8.6	8.58	8.72	9.75	9.85		7.08	6.92	7.51			127.14	8.22	-5.09
P/bv									1.62	1.74	1.74	2.05	2.02	1.91	1.53	1.56	1.62	1.98		1.97	1.72	0.72
P/s									2.27	2.18	2.33	2.6	2.57	3.17	1.82	1.77	1.91	2.25		3.33	2.18	-6.63
P/fcf																		1.24	1.33	-0.42	1.29	3.57
E/p																		2.29	2.13	77.58	2.21	-3.56
EV/S											9.38	10.33	9.26	-40.8	3.62	8.06	7.08	-37.32	2.06	4.02	-3.3000	-10.66
EV/FCF											-22.31	57.96	20.44	17.46	-37.75	-20.04	11.49	12.76	22.9	12.04	-2.1280	-190.49
Dívida/índice	0.0528	0.0337	0.3532	0.0562	0.0607	0.0533												0.2573	0.2573	0.14	0.1370	35.56
Dívida/patrimônio líquido	0.4756	0.2956	3.32	0.5162	0.5635	0.4848												8.95	8.95	7.68	3.89	76.93
Dívida/lucro líquido	15.47	7.59	78.71	11.71	12.67	10.9												11.32	11.32	31.33	11.58	-0.68
Peg																		3.33	0.132	-190.41	1.73	-80.09
Beta																	-0.2103	1.84	0.2654	0.35	0.6317	-208.07
ÍNDICE ALTMAN																	2.03	0.132	0.1336	50.35	0.7652	-59.63

Dividendos

Ifrs

Relatórios Anual Trimestral

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
Div. Pagamento, bilhão	0.1622	7.23	14.65	9.56	15.95	16.76	16.76	39.46	35.94			34.28		24.97	17.64
Dividendo		0.036	0.028	0.017	0.028		0.028	0.06	0.074	0.2256	0.5077	0.6833		0.1791	78.52
Div renda, AO, %			0.4737	0.2844	0.5107	0.8321	0.4539	0.5421	0.881	0.7407	2.51	1.63	5.57	1.03	40.78
Dividendos / lucro, %		37.44	61.26	29.92	43.68	54.93	47.82	75.5	75.29	63.96		63.96	143.36	63.50	3.09
O coeficiente de revestimento de dividendos						1.82	1.02	1.15	1.46		1.64	1.64	11.87	1.42	-2.06

	2017Q1	2017Q2	2018Q2	2019Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q2	2023Q4	2024Q3	2024Q4	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
Div. Pagamento, bilhão					9.13	7.63	7.63	17.52	17.52	16.76	16.76		15	0.000485	9.96				11.70	-9.89
Dividendo	0.006	0.022	0.017	0.028	0.016		0.012		0.031		0.029	0.045	0.029						0.0292	19.30
Div renda, AO, %	0.1191	0.3725	0.2963	0.4865	0.2534		0.188		0.4813		0.3772	0.5368	0.3227					5.57	0.3812	11.41
Dividendos / lucro, %					106.58	85.95	84.17	163.05	152.07	139.61	150.55		115	0.0017	72.59			143.36	95.55	-12.26
O coeficiente de revestimento de dividendos														58675.52	1.38	1.64	1.64	11.87	14670.04	-92.73

Descansar

Ifrs

Relatórios Anual Trimestral

	2020	2021	2022	2023	2024	LTM	CAGR 5
Capex/Receita, %	5.18	2.81	6.57	7.44	3.76	3.76	-6.21
Funcionários, pessoas		30 000	30 000	30 000	32 705		2.18

	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	CAGR 5
Capex/Receita, %	3.1	-16.65	1.77	4.34	5.2	-18.53	2.16

	CAGR 5

Investing Port

Grupo Financiero Banorte, S.A.B. de C.V.

Relatórios Grupo Financiero Banorte, S.A.B. de C.V.

Capitalização

Saldo contábil

Promoção

Eficiência

Coeficientes

Dividendos

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