Motor Crédito was reaffirmed at “A” by Feller Rate, with a stable outlook, in an evaluation that confirms its position as one of the strongest players in the automotive financing niche in the Dominican Republic. The firm highlighted its market leadership, earnings generation, and capital backing aligned with its operations.
Motor Crédito maintains leadership in its segment
The rating is supported by the weight that Motor Crédito maintains among savings and loan banks. As of June 2026, the entity ranked first in market share for total loan placements and used vehicle financing, with shares of 22.5% and 36%, respectively.
This performance reflects Motor Crédito‘s specialization in a market where vehicle financing remains a relevant line for individuals and businesses. The entity also reported a prior expansion of its assets, portfolio, and deposits during 2025, which helps explain the rating agency’s favorable reading.
Results and profitability of Motor Crédito
At the close of June 2026, Motor Crédito recorded a pre-tax result of RD$379 million. Its annualized return on average total assets stood at 4.2%, very close to the 4.5% average of the savings and loan banking system.
Regarding solvency, the regulatory indicator was 17.6% as of May, above the 10% minimum required by regulations. Leverage remained at 3.3 times during the first semester, a sign of operational stability.
Motor Crédito and its portfolio quality
Feller Rate also highlighted that portfolio quality remained under control. As of June 2026, the non-performing portfolio represented 1.4% and provisioning coverage reached 1.6 times, levels close to the system averages of 1.6% and 1.7 times.
Guarantees and controlled risk at Motor Crédito
The rating agency attributed part of this stability to the high proportion of physical collateral associated with the financed vehicles. In this context, Motor Crédito combines growth with prudent risk management, a key point for sustaining its credit profile.
“This reaffirmation supports confidence in the strength of Motor Crédito and recognizes the discipline with which we manage our growth,” expressed Benahuare Pichardo, president of the entity.
Stable outlook for Motor Crédito
The stable outlook considers Motor Crédito‘s leadership, its ability to generate results, the efficiency of its operation, and controlled risk expenses. The entity, part of Grupo Ambar, offers financing for new and used vehicles, machinery, and equipment, in addition to savings and investment products.
With this reaffirmation, Motor Crédito reinforces its position within the Dominican financial system and maintains a profile consistent with its specialization, scale, and capital discipline.
