U Consumer Finance S.a.e · EGX:VALU
U Consumer Finance S.a.e — H1 2025 Earnings Presentation
25 slides from U Consumer Finance S.a.e's earnings presentation, September 2025
Slide 1: Investor Presentation H1 2025
Investor Presentation H1 2025
Slide 2: I. Introduction
Valu* l. Introduction
Slide 3: Key Highlights
Key Highlights #1 #1 c. 25% Leading BNPL Provider in Egypt Growing Prepaid Card Consumer Finance Market Share(1) (c. 31% Market Share excl. Auto Loans) +11.9mn +3.59M | +1.9mn EGP 46.0bn Transactions Since Inception Transactions in 1H25 | 2Q25 Gross Merchandise Value Since Inception (includes cards)
Slide 4: Valu: Wide Range of Services
Valu: Wide Range of Services Investments Lending Business Payments Cards 4
Slide 5: II. Key Investment Highlights
II. Key Investment Highlights
Slide 6: A Market Poised for Growth: Unlocking the Untapped
A Market Poised for Growth: Unlocking the Untapped, Leveraging Valu’s First-Mover Advantage Rapidly Expanding Market With Considerable The leading consumer financing player in Egypt Untapped Potential… YTD - May 2025 consumer finance market size Market (EGP bn) (1) Total Market 42% 66% % Growth Jan-
Slide 7: Proven Leadership Across Verticals
Proven Leadership Across Verticals Consumer Finance Prepaid Card Market Share (YTD- Consumer Finance Auto Market Share (YTD – May 2025) (1) May 2025) (1) Others 60.41% Others 84.68% 39.59% 13.95% 4.02% Rapid growth in auto loans market share shows YTD-May 2024 Market Valu’s strong brand recognition
Slide 8: Transaction Volume Leadership: Largest Merchant & Customer Network
Transaction Volume Leadership: Driving the Highest Spend in Egypt, Fueled by the Largest Merchant & Customer Network Active Customers as of June’25 …Driven by a carefully curated 831K Growing transaction volumes since inception… purchasing cycle between both Active Merchants in 2025 (N ot including
Slide 9: Operational Performance: Accelerated Growth Momentum
Operational Performance: Accelerated Growth Momentum Gross Merchandise Value Transactions (thousands) Loan Issuances (1) (In EGP bn) (In EGP bn) 4,092 16.5 14.8 137% 118% 116% ’19 – ‘24 CAGR ’19 – ‘24 CAGR ’19 – ‘24 CAGR 3,590 10.6 8.9 8.9 9.1 1,861 5.6 5.8 1,047 2.4 2.3 452 196 1.0 1.0 55 0.3 0.3 2
Slide 10: Operational Performance Trends: Q-o-Q & Y-o-Y
Operational Performance Trends: Q-o-Q & Y-o-Y Transactions 4.0M 12 3.5M +133% 9.8 10 2.0M +11% 8 3.0M 1.8M +111% 8 7 Transactions 7 2.5M 1.6M 6 1.4M 2.0M 6 5.4 5 3.6M 1.2M Trx 5.2 4.2 1.5M 1.0M 1.9M frequency/cust 4 4 0.8M 1.7M 3 1.0M 0.6M 1.5M 2 0.4M 0.9M 2 0.5M 1 0.2M 0.0M 0 0.0M 0 1H24 1H25 2Q24
Slide 11: Operational Performance Trends: Q-o-Q & Y-o-Y
Operational Performance Trends: Q-o-Q & Y-oY Gross Merchandise Value Loan Issuances (In EGP) (In EGP) +68% +62% +80% +62% 5.3B 8.88B 4.2B 4.7B 10.56B 5.2B -2% +10% 2.9B 3.1B 5.48B 5.88B 1H24 1H25 2Q24 1Q25 2Q25 1H24 1H25 2Q24 1Q25 2Q25 Average Daily GMV Average Daily Loan Isuances EGP 32 Mn +81% EGP
Slide 12: Robust Financial Performance: Strong Growth, Resilient Profitability
Robust Financial Performance: Strong Growth, Resilient Profitability Gross Revenue (In EGP mn) Net Revenue (In EGP mn) Net Income (In EGP mn) 150% 3,057 146% 164% 423 ’19 – ‘24 CAGR ’19 – ‘24 CAGR 1,529 ’20 – ‘24 CAGR 2,604 1,284 341 1,107 237 1,866 208 1,345 740 624 906 26 22 291 9 358 111 139 (43)
Slide 13: Financial Performance Trends: Q-o-Q & Y-o-Y
Financial Performance Trends: Q-o-Q & Y-o-Y Gross Revenue Net Revenue (in EGP) (in EGP) 1284M 2604M +73% +40% +94% +56% 782M +96% +79% 1518M 740 1345M 502M 1085M 438M 773M 2Q24 1Q25 2Q25 1H24 1H25 2Q24 1Q25 2Q25 1H24 1H25 Net Income (in EGP) 341M +64% +75% +121% 217M 208M +162% 124M Y- o- Y n ormali
Slide 14: Prepaid Card
Prepaid Card Cards 1H 2025 BTD (as of Q2 25) Active Cards Base 28.6K 161K Average tx per Customer Spending Txs 1.49mn 15.5 2.75mn Spending Amounts EGP1.94bn EGP 3.9bn Top-Up Amounts EGP 1.96bn EGP 3.35bn From Limits Other Sources EGP 1.58bn EGP 381mn Prepaid Card transactions contributed to 41% of t
Slide 15: Diversified Funding Strength: Trusted by Banks & NBFIs
Diversified Funding Strength: Trusted by Banks & NBFIs Authorized Limits with 22 Total Securitized Portfolio Offloading Portfolio Discounting Portfolio Banks and NBFIs (16 Securitizations) EGP 1.5bn EGP 1bn EGP 10bn EGP 15.8bn *Non-recourse on Valu Fourth program FRA- approved valued at EGP 10bn bac
Slide 16: Healthy Risk Profile: Scaling with Stability
Healthy Risk Profile: Scaling with Stability Amid Surging Growth Contained NPLs despite surging growth Evolution of GMV (In EGP bn) 1.03% 90+ Non-Performing loans (1) (%) 90+ Non-Performing Loans as of Q2 2025(1) 0.31% 0.95% 0.75% 1.06% 0.78% 0.72% 0.87% 1.03% 16.5 68.16% 118% Coverage Ratio in Q2 2
Slide 17: AI-Powered Risk Management: In-House Machine Learning at Work
AI-Powered Risk Management: In- House Machine Learning at Work Machine-Driven Approval Process. Minimal Human Interaction. Swift Credit Approval. Less than 10 mins approval time Custom in-house built model Instant decisions for seamless customer experience Up-to-date approval criteria Dynamic algori
Slide 18: Well Recognized Fintech Brand
Well Recognized Fintech Brand: ‘Valu’ Defines Payments & BNPL in Egypt The Most Recognized, Trusted Brand Brand Sentiment Highlights Across the Consumer Finance Landscape % Brand Awareness Market Leadership in Digital Conversation Valu owns 45% of BNPL-related social mentions in Egypt, making the Co
Slide 19: Moving Forward Full-Speed Ahead
Moving Forward Full-Speed Ahead Emphasize the non-lending side of the business, including Valu’s Co-branded Credit Card, Affiliate 1 Marketing and Prepaid Card for Payments—affiliate program launched through in-app marketplace ShopIT Growing Ulter and Shift loan programs—Strong growth (392% and 167%
Slide 20: A Proven Leadership Team: Driving Innovation & Execution
A Proven Leadership Team: Driving Innovation & Execution Walid Hassouna Mohamed Mounir Mostafa El Sahn Omar Haridy Yara El Abd Salma Abdelhamid Chief Executive Officer Deputy - CEO Chief Risk Officer Head of Data Chief Investments Officer C h i e f M a r ke t i n g O f f i c e r Moataz Lotfy Omar Ab
Slide 21: III. Appendix
Valu* lll. Appendix
Slide 22: Income Statement
Income Statement. EGP mn 2022 2023 2024 H1 2024 H1 2025 2Q24 2Q25 1Q25 Operating Revenue 906 1,866 3,057 1,325 2,475 771 1,458 1,017 Finance Cost (282) (758) (1,528) (605) (1,321) (336) (737) (583) Net Operating Revenue 624 1,107 1,529 721 1,154 434 721 433 SG&A Expenses (603) (695) (1,066) (405) (6
Slide 23: Balance Sheet
Balance Sheet. EGP mn 2022 2023 2024 H1 2025 Cash 428 425 752 1,569 Accounts Receivables 1,930 2,699 8,553 9,886 Fixed Assets 69 168 293 271 Investments 3 121 121 3 Others(1) 1,440 2,596 1,135 1,318 Assets 3,870 6,007 10,853 13,046 Overdraft & Factoring 3,093 4,094 7,671 9,545 Creditors 331 536 1,33
Slide 24: Disclaimer
Disclaimer
Slide 25: Disclaimer
Disclaimer This document is not a prospectus and not an offer of securities for sale or subscription in any jurisdiction, including in or into the United States of America, Canada, Japan, South Africa, the United Arab Emirates or Australia. Nothing in this document is intended to, or constitutes, an
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