U Consumer Finance S.a.e · EGX:VALU
U Consumer Finance S.a.e — Valu — 9M25 Earnings Presentation
31 slides from U Consumer Finance S.a.e's earnings presentation, October 2025
Slide 1: Investor Presentation 9M25
Valu Investor Presentation 9M25
Slide 2: A leading consumer finance company with seamless access to financial services
A leading consumer finance company offering customers seamless access to a comprehensive 2 suite of financial services
Slide 3: Valu At a Glance
Valu At a Glance #1 #1 c. 23% Leading BNPL Provider in Egypt Growing Prepaid Card Consumer Finance Market Share (Till Aug’25) +14.4mn +6.1mn | +2.5mn EGP 53bn Transactions Since Inception Transactions in 9M25 | 3Q25 Gross Merchandise Value Since (includes cards) Inception As of September 30th As of
Slide 4: Wide Range of Services
Wide Range of Services Investments Lending Business Payments E-Commerce
Slide 5: One App for all your financial & shopping needs
One App for all your financial & shopping needs Instant Cash Access a huge Loans! selection of Brand & Top Up! products! Gift! Bank Co-branded Credit Cards! Purchase directly Revolving BNPL Credit from within the App Pay! Limit Prepaid Card for Open Loop Payments Loans up to EGP60 Shop & buy from a
Slide 6: Full Digital Onboarding via Fintech License
Full Digital Onboarding via Fintech License Extended geographical reach and lowered operational costs by minimizing on-ground presence, while leveraging major marketplaces to accelerate customer acquisition and drive sales.
Slide 7: Newly Launched: Valu's in-app e-commerce platform
Newly Launched: Valu’s in-app e-commerce platform, enabling a fully Some KPIs integrated customer experience across the entire journey. 17% Browsing to Shopping Conversion Rate Instant decisions for seamless customer experience Higher Commission Earnings ~1.5X Valu’s rebate through compounding of re
Slide 8: In-App E-commerce Checkout via Shop'it
In-App E-commerce Checkout via Shop’it Product Page Proceed to Checkout Shipping Delivery Options Checkout
Slide 9: In-App E-commerce Checkout via Shop'it
In-App E-commerce Checkout via Shop’it Summary OTP Financing details
Slide 10: Closed Loop Consumer Financing Key Metrics
Key Metrics Closed Loop Consumer Financing Product 9M25 BTD Jan-Sep ‘25 Weighted Average Tenor Valu’s flagship consumer financing 13 Months product, providing seamless installment solutions across its partner merchant Weighted network serving close to 900k Customers. GMV EGP 10.5bn EGP 38.5bn Averag
Slide 11: Prepaid Card
Prepaid Card 9M 2025 BTD (as of Q3 25) Issued Cards 117K 218K Spending Txs 2.76mn 4mn Spending Amounts EGP 3.5bn EGP 5.4bn Top-Up Amounts EGP 2.86bn EGP 4.55bn From Limits Other Sources 82% 18% EGP 2.34bn EGP 514mn
Slide 12: Auto Loan Product Key Metrics
Key Metrics Auto Loan Product 9M25 BTD Jan-Sep ‘25 Weighted Average Tenor Automotive loan program, offering 57 Months tailored financing solutions for customers seeking to finance their vehicle purchases Weighted GMV EGP 2.3bn EGP 4.8bn Average IR +77% y-o-y 27.4% Weighted Average Commission 1.3% 6
Slide 13: Loan Products Key Metrics
Key Metrics Loan Products 9M25 BTD Jan-Sep ‘25 Weighted Average Tenor Consumer loans program, offering tailored 37 Months financing solutions for customers seeking to finance luxury products personal Weighted financing needs. GMV EGP 1.08bn EGP 1.6bn Average IR +272% y-o-y 31.6% Weighted Average Pur
Slide 14: Product Contribution to GMV Y-o-Y
Product Contribution to GMV Y-o-Y
Slide 15: Key Investment Highlights
Valu* Key Investment Highlights
Slide 16: A Market Poised for Growth: Leveraging Valu's First-Mover Advantage
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… Jan - Aug 2025 consumer finance market size Market size (EGP bn) (1) Total Market 61% 61% % Growth
Slide 17: Proven Leadership Across Verticals
Proven Leadership Across Verticals Consumer Finance by Prepaid Card Market Consumer Finance Auto Market Share Share (Jan-August 2025) (1) (Jan – August 2025) (1) Others 65.6% Others 15% 85% 5.7% Jan-Aug 2024 Market Share 34.4% Rapid growth in auto loans market share shows Valu’s strong brand recogni
Slide 18: 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 Sep’25 Growing transaction volumes since …Driven by a carefully curated 873K inception… purchasing cycle between both Active Merchants in 2025 merchants and cons
Slide 19: Operational Performance: Accelerated Growth Momentum
Operational Performance: Accelerated Growth Momentum Transactions (thousands) Gross Merchandise Value (In EGP bn) Loan Issuances (In EGP bn) 137% 6,119 118% 17.3 116% 14.8 14.6 ’19 – ‘24 CAGR ’19 – ‘24 CAGR 16.5 ’19 – ‘24 CAGR 4,092 8.9 9.1 5.6 1,861 5.8 1,047 2.3 2.4 452 1 1 55 196 0.3 0.3 2019 202
Slide 20: 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) 4,032 541 150% 146% 2,064 164% 423 ’19 – ‘24 CAGR ’19 – ‘24 CAGR ’20 – ‘24 CAGR 3,057 1,529 2,188 237 1,176 227 1,866 1,107 624 906 26 22 9 291 358 139 111 (4
Slide 21: Diversified Funding Strength: Trusted by Banks & NBFIs
Diversified Funding Strength: Trusted by Banks & NBFIs Authorized Limits with 24 Total Securitized Portfolio Offloading Portfolio Discounting Portfolio Banks and NBFIs (18 Securitizations) EGP 2.2bn EGP 2.08bn EGP 11.2bn EGP 17.7bn *Non-recourse on Valu As of September 30, 2025
Slide 22: Credit & Risk
Valu* Credit & Risk
Slide 23: Scaling with Stability Amid Surging Growth
Healthy Risk Profile Scaling with Stability Amid Surging Growth 46% 40% 3Q25 Approval rate 3Q25 Approval rate for Unbanked Contained NPLs despite surging growth Evolution of GMV (In EGP bn) 0.92% 90+ Non-Performing loans (%) 9M 0.81 0.92% 90+ Non-Performing Loans as of Q3 2025 0.31% 0.95% 0.75% 1.06
Slide 24: Brand Metrics
Valu* Brand Metrics
Slide 25: We've built a brand that's loved!
BRAND METRICS We’ve built a brand that’s loved! 925k Follower 141k Follower 594k Subscribers 166k Follower 265k Follower Highest Follower Base Amongst Consumer Finance / BNPL Companies
Slide 26: Globally recognized as a leading Fintech Player & NBFI
AWARDS Globally recognized As a leading Fintech Player & NBFI ‘Best Overall ‘The Most ‘Top Fintech ‘Best BNPL platform’ & ‘Fintech Company of ‘Fintech Innovation of ‘Most Innovative Financial Technology Convenient and Companies’ ‘Fintech Company of Powerhouse Egypt’, Comprehensive the Year’ the Year
Slide 27: The Team
THE TEAM A large and growing team of innovators, disruptors, and doers with a proven track record of success in their respective fields 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 In
Slide 28: Appendix
Valu* Appendix
Slide 29: Income Statement
Income Statement EGP mn 2022 2023 2024 9M 2024 9M 2025 1Q25 2Q25 3Q25 Operating Revenue 906 1,866 3,057 2,144 3,882 1,017 1,458 1,407 Finance Cost (282) (758) (1,528) (1,012) (1,968) (583) (737) (647) Net Operating Revenue 624 1,107 1,529 1,131 1,914 433 721 760 SG&A Expenses (603) (695) (1,066) (69
Slide 30: Balance Sheet
Balance Sheet EGP mn 2022 2023 2024 9M 2025 Cash 428 425 752 2,064 Accounts Receivables 1,930 2,699 8,553 10,796 Fixed Assets 69 168 293 269 Investments 3 121 121 3 Others(1) 1,440 2,596 1,135 1,341 Assets 3,870 6,007 10,853 14,473 Overdraft & Factoring 3,093 4,094 7,671 10,662 Creditors 331 536 1,3
Slide 31: Thank You
Thank You