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RA.MX — BMV (Mexico) Unclassified

Regional SAB de CV

$140,50
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Mcap
46,1B MXN
P/E
6,8x
EV / Rev
5,7x
Div yield
6,76 %
Op margin
—
ROE
17,8 %
Net margin
41,8 %
Debt / equity
1,20
Beta
—
52w range
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Volume
—
Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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About

Regional SAB de CV operates as a financial institution within the Mexican banking sector, generating revenue through interest income and fee-based services.

Business. Regional SAB de CV operates as a financial institution within the Mexican banking sector, generating revenue through interest income and fee-based services.

Classification20 %
SectorUnclassified
Generated · model-assisted
Sell-side consensus
BUY12 analysts
8 buy3 hold1 sell
Avg 12m price target170,00

Analyst recommendations

12 analysts · consensus Buy
Buy8
Hold3
Sell1
12-month price target
170,00
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation→
6,8x
P/E
Analysts→
Buy
12 analysts · indicative
Ownership
—
not yet wired
Profitability→
17,8 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning RA.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to RA.MX. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Regional SAB de CV operates as a financial institution within the Mexican banking sector, generating revenue through interest income and fee-based services.

    Classification20 %
    SectorUnclassified
    AI synthesis
    GENERATED

    Regional SAB de CV maintains a capital structure characterized by a debt-to-equity ratio of 1.2, indicating moderate leverage relative to its equity base of 36.4 billion MXN. The firm holds total assets of 277.4 billion MXN against total liabilities of 241.0 billion MXN, resulting in a net cash position that is negative after subtracting total debt, a key flag in the risk assessment. Liquidity is assessed as medium, supported by an operating cash flow of 9.9 billion MXN, which exceeds the net income of 6.6 billion MXN, suggesting strong cash conversion capabilities despite the leverage profile.

    Profitability metrics show a return on equity (ROE) of 17.84% and a return on assets (ROA) of 2.34%, reflecting efficient use of capital to generate earnings. The company trades at a price-to-earnings ratio of 6.82 and a price-to-book ratio of 1.22, suggesting the market values the firm at a modest premium to its book value while maintaining a low multiple on earnings. These valuation multiples indicate that the market perceives the earnings power as stable but potentially constrained by the broader economic environment or sector-specific headwinds.

    Key takeaways
    • The company generates strong operating cash flow of 9.9 billion MXN, exceeding net income, which supports its ability to service debt despite a negative net cash position.
    • Valuation multiples are attractive, with a P/E of 6.82 and P/B of 1.22, suggesting the market may be undervaluing the firm's earnings power relative to its book value.
    • Analyst sentiment is positive, with a mean recommendation of 2.25 and a mean price target of 170.00 MXN, indicating expected upside from the current price of 135.17 MXN.
    • Dilution risk is low, as basic and diluted share counts are identical, providing stability to earnings per share metrics.
    • The debt-to-equity ratio of 1.2 indicates moderate leverage, which is manageable given the strong cash flow generation but requires monitoring in a rising rate environment.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 3

    Revenue grew at a 19.6% CAGR from 2022 to 2026, demonstrating strong top-line expansion over the four-year period.

    Analysts project 21% upside to a mean price target of 170.0, reflecting a consensus buy recommendation.

    Free cash flow is projected to grow 8.1% year-over-year to 3.7 billion MXN in fiscal 2026.

    BEAR CASE · 3

    Debt-to-equity ratio of 1.2 is in the bottom quartile, indicating significantly higher leverage than the 0.4 cohort median.

    Net income growth slowed to just 1.5% year-over-year in fiscal 2026, suggesting diminishing profitability momentum.

    The company faces a medium level of liquidity risk, which could constrain financial flexibility during market stress.

    In focus — financials by report

    Quarterly
    Annual
    QUARTERLYFiled 2026-04-27
    Q1 2026 · Quarter highlights

    Revenue MXN 3.83B, +2,8% YoY; Net income −7,3% YoY.

    RevenueMXN 3.83B+2,8 % YoY
    Operating income—
    Net incomeMXN 1.51B−7,3 % YoY
    Free cash flowMXN 1.27B−30,5 % YoY
    EPS—
    Operating cash flow-MXN 78.1M−1 083,8 % YoY
    Financials
    Income statement
    RevenueMXN 3.83B
    Gross profit—
    Operating income—
    Net incomeMXN 1.51B
    Margins
    Gross margin—
    Operating margin—
    Net margin39.6%
    FCF margin33.1%
    Balance sheet
    Total assetsMXN 287.97B
    Total liabilitiesMXN 251.75B
    Total equityMXN 36.22B
    Cash & equivalents—
    Long-term debtMXN 39.79B
    Cash flow
    Operating cash flow-MXN 78.1M
    CapEx-MXN 420.1M
    Free cash flowMXN 1.27B
    SBC—
    Highlights
    • ▍Revenue MXN 3.83B, +2,8% YoY
    • ▍Net income −7,3% YoY
    • ▍Free cash flow −30,5% YoY
    • ▍Net margin 39.6%

    Valuation TTM

    Market price
    $140,50
    Market cap
    $44.33B
    Enterprise valueⓘ
    $88.21B
    P/Eⓘ
    6.8x
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    5.7x
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    8.9x
    P / Bⓘ
    1.2x
    P / Tangible bookⓘ
    1.2x
    Tangible book
    $36.43B
    Net cashⓘ
    -$43.88B
    Current ratioⓘ
    —
    Debt / equityⓘ
    1.2
    ROAⓘ
    2.3%
    ROEⓘ
    17.8%
    Cash conversionⓘ
    152.0%
    CapEx / revenueⓘ
    -9.6%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    20,73
    Predicted surprise
    -0,01
    Beat probability
    45 %
    Analysts
    12
    Other metrics
    Revenue
    —
    no estimate
    Segment revenue
    —
    no estimate
    Margin
    —
    no estimate
    Segment margin
    —
    no estimate
    revision ratio 0,00 · as of 2026-07-06 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPS—no estimate—no estimate20,73
    Revenue—no estimate—no estimate19,8B MXN
    Operating income—no estimate—no estimate10,4B MXN
    Full-year consensus mean (period as reported by source) · consensus in MXN. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution12 analysts
    Strong buy2
    Buy6
    Hold3
    Sell1
    Strong sell0
    12-month price target$170,00 · Median $169,50
    Low $133,00High $190,00
    Operating income · consensus10,4B MXN
    EPS surprise
    −2,6 %
    reported vs consensus · miss
    Revenue surprise
    +0,0 %
    reported vs consensus · beat

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$133,00
    Mean$170,00
    Median$169,50
    High$190,00
    Spot$140,50
    +21.0 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin41,8 %Best in class
    ROE17,8 %Above P75
    Capex / Rev-9,6 %Bottom quartile
    D/E1,20Bottom quartile
    Cash Conv1,52Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Ev To Operating Cash Flow
      enterprise_value / operating_cash_flow
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Enterprise Value
      market_cap - net_cash
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Market Cap
      market_price * shares_outstanding_diluted
    • Price To Earnings
      market_price / (net_income / shares_outstanding_diluted)
    Source documents
    • Regional SAB de CV Market data — financials · 2026-07-06
    • Regional SAB de CV Market data — analyst estimates · 2026-07-06
    • Regional SAB de CV Market data — ESG · 2026-07-06

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    98.3Kshares short+72.0% vs prior
    1days to cover
    52.8%short of daily vol
    2fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    RA.MXCanonical
    BMV (Mexico) · MXN

    Intel & risk

    PredictorBeat prob45 %Surprise-0,01Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2026-04-27 17:34 UTCEARNINGSQuarterly results — Q1 2026 Revenue MXN 3.83B · Net MXN 1.51B
    2026-02-25 14:52 UTCEARNINGSQuarterly results — Q4 2025 Revenue MXN 4.02B · Net MXN 1.82B
    2026-02-25 14:52 UTCEARNINGSAnnual results — FY 2026 Revenue MXN 15.46B · Net MXN 6.62B
    2025-12-16 02:36 UTCEARNINGSQuarterly results — Q3 2025 Revenue MXN 3.90B · Net MXN 1.53B
    2025-08-25 06:58 UTCEARNINGSQuarterly results — Q2 2025 Revenue MXN 3.81B · Net MXN 1.64B
    2025-07-09 04:47 UTCEARNINGSQuarterly results — Q2 2025 Revenue MXN 3.72B · Net MXN 1.63B
    2025-01-27 23:30 UTCEARNINGSQuarterly results — Q4 2024 Revenue MXN 3.77B · Net MXN 1.69B
    2025-01-27 23:30 UTCEARNINGSAnnual results — FY 2025 Revenue MXN 14.38B · Net MXN 6.52B
    2025-01-02 09:53 UTCEARNINGSQuarterly results — Q4 2024 Revenue MXN 3.65B · Net MXN 1.60B
    2024-07-22 20:33 UTCEARNINGSQuarterly results — Q2 2024 Revenue MXN 3.52B · Net MXN 1.61B
    2024-02-05 01:19 UTCEARNINGSAnnual results — FY 2024 Revenue MXN 12.39B · Net MXN 5.67B
    2023-01-24 06:34 UTCEARNINGSAnnual results — FY 2023 Revenue MXN 10.36B · Net MXN 4.98B
    2022-01-26 00:59 UTCEARNINGSAnnual results — FY 2022 Revenue MXN 7.57B · Net MXN 3.56B
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage