Maria Guerra - Financiera Independencia Director of Human Resources

FINDEP Stock  MXN 10.30  0.00  0.00%   

Director

Ms. Maria Teresa Garza Guerra serves as Director of Human Resources at Financiera Independencia SAB de CV SOFOM ENR. She has over 20 years of professional experience. During her career, she has held several positions in companies such as GamesaPepsico and Grupo Salinas, where she served as Human Resources Director during recent years. She holds a Bachelors degree in IT Systems and Administration from the ITESM, and a Masters degree in Administration from the UDEM.
Age 49
Phone52 55 5229 0257
Webhttps://www.findep.mx

Financiera Independencia Management Efficiency

The company has return on total asset (ROA) of 0.0516 % which means that it generated a profit of $0.0516 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 0.1274 %, meaning that it generated $0.1274 on every $100 dollars invested by stockholders. Financiera Independencia's management efficiency ratios could be used to measure how well Financiera Independencia manages its routine affairs as well as how well it operates its assets and liabilities.
The company has accumulated 5.07 B in total debt with debt to equity ratio (D/E) of 1.21, which is about average as compared to similar companies. Financiera Independencia has a current ratio of 6.62, suggesting that it is liquid and has the ability to pay its financial obligations in time and when they become due. Debt can assist Financiera Independencia until it has trouble settling it off, either with new capital or with free cash flow. So, Financiera Independencia's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Financiera Independencia sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Financiera to invest in growth at high rates of return. When we think about Financiera Independencia's use of debt, we should always consider it together with cash and equity.

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SOFOM E.N.R. operates as a microfinance company in Mexico and internationally. The company was founded in 1993 and is headquartered in Mexico City, Mexico. FINANCIERA INDEPENDENCIA operates under Credit Services classification in Mexico and is traded on Mexico Stock Exchange. It employs 4969 people. Financiera Independencia SAB (FINDEP) is traded on Mexican Exchange in Mexico and employs 4,672 people.

Management Performance

Financiera Independencia Leadership Team

Elected by the shareholders, the Financiera Independencia's board of directors comprises two types of representatives: Financiera Independencia inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Financiera. The board's role is to monitor Financiera Independencia's management team and ensure that shareholders' interests are well served. Financiera Independencia's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Financiera Independencia's outside directors are responsible for providing unbiased perspectives on the board's policies.
David Villagomez, CFO, Chief Administrative Officer
Eduardo Henriquez, Chief Executive Officer and Executive Vice President
Antonio Gonzalez, Head of Investor Relations
Marco Agaez, Chief Risk Officer
Mauricio Medina, CEO, Member of Executive Committee, Member of Risk Management Committee and Member of Credit Committee
Rick Parras, CEO of Apoyo Financiero Inc.
Maria Guerra, Director of Human Resources
Jose Santisteban, Chairman of the Board
Gloria Cisneros, Co Operations
Marcelo Pinto, General Manager of Finsol Brazil
Adrian Barreto, Chief Officer
Ana Cantu, Director
Carlos Macas, Co Bus
Jose Cantu, Director
Hector Acosta, Independent Director
Monica Perez, Director of Human Resources
Jose Acha, Director of Systems and Operations
Jose Anaya, Independent Director
Francisco Vazquez, Legal Director, Non-Member Assistant Secretary
Roberto Lopez, Director
Lorenzo Vita, Operations Director of Branches
Guadalupe Gil, Operations Director, Member of Risk Management Committee and Member of Credit Committee
Horacio Gonzalez, Independent Director
Benito Zavala, Director of Internal Audit
Iker Penalosa, Non-Member Secretary of the Board
Hector Sakar, Director of Payments Collection
Roberto Achutegui, Independent Director
Jose Schjetnan, General Manager of Finsol Mexico
Antonino Vargas, President and CEO of Apoyo Financiero
Guillermo Montull, Independent Director
Carlos Santisteban, Director
Carlos Mena, Independent Director
Noel Cawley, Executive Vice President Director
Ruben Tietzsch, Payroll Credits Director
Maite Cantu, Director
Eduardo Henrquez, G CEO
Norma Reyes, General Manager of Finsol Mexico
Luis Langenscheidt, Chief Financial and Admin. Officer, Member of Credit Committee and Member of Risk Management Committee
Arturo Alfaro, Corporate Director of The FINDEP Branch Network
Francisco Torno, Chief Financial and Administrative Officer
Nicole Olascoaga, Assistant Secretary
Juan Arce, Sales Director and Member of Credit Committee
Jose Michavila, Chief Financial and Administrative Officer
Ivan Gonzalez, Chief Officer
Mara Guerra, Co Department

Financiera Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Financiera Independencia a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Financiera Independencia in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Financiera Independencia's short interest history, or implied volatility extrapolated from Financiera Independencia options trading.

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Please note, there is a significant difference between Financiera Independencia's value and its price as these two are different measures arrived at by different means. Investors typically determine if Financiera Independencia is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Financiera Independencia's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.