U Consumer Finance S.a.e · EGX:VALU
U Consumer Finance S.a.e — valU — Investor Presentation (March 2026)
35 slides from U Consumer Finance S.a.e's investor presentation, March 2026
Slide 1: FY’25 Investor Presentation
FY’25 Investor Presentation
Slide 2: Valu is Egypt's leading consumer finance digital company
Valu is Egypt's leading consumer finance digital company, embedded in every aspect of customers' lifestyle. We provide seamless access to a comprehensive suite of financial services that empower consumers while driving merchant growth and building strong, lasting business partnerships
Slide 3: The value behind
The value behind Embedded Finance Solutions Universal Acceptance Fast and Flexible Including lending and Open loop transactions Instant credit and Flexible non-lending solutions Nationwide and Worldwide payments from 1 to 60 months through Visa
Slide 4: at a Glance
at a Glance 902K 60.7B 17M 23% 25B App Users GMV – EGP Transactions Market Share Market CAP – EGP BTD-2025 BTD-2025 BTD-2025 As of Dec’25 As of Feb’26 0.98% 24.5B 8.7M 20.89B NPL GMV – EGP Transactions FA – EGP As of 4Q25 FY25 FY25 FY25
Slide 5: One App for all your Financial needs
One App for all your Financial needs Instant Cash Loans! Access a huge selection of Brand & products! Valu Cards Purchase directly from within the App Revolving BNPL Credit Limit Prepaid Card for Open Loop Payments Loans up to EGP60M Manage all your balances Shop & Buy from different Issue Cash, Loa
Slide 6: Product Suite
Product Suite Lending E-Commerce Payments Investing Business
Slide 7: Business Highlights
Business Highlights asain, vices AKEED* weceics
Slide 8: Operational Highlights
Operational Highlights GMV Loan Issuances (in EGP bn) (in EGP bn) 20.89 24.51 16.58 14.25 47% 48% FY24 FY25 FY24 FY25 Transactions Active Users (in mn) (in thousands) 8.7 901 745 21% 4.1 112% FY24 FY25 FY24 FY25
Slide 9: Financial Highlights
Financial Highlights Gross Revenue Net Revenue (in EGP bn) (in EGP bn) 5.61 3.05 3.29 71% 1.76 73% FY24 FY25 FY24 FY25 Net Income (in EGP mn) 764 422 81% FY24 FY25
Slide 10: GMV across the years GMV by Product
GMV across the years GMV by Product (in EGP bn) FY24 FY25 108% 24.51 ‘19-’25 CAGR 13.54% 10.68% 16.5 4.41% 1.91% 10.12% 9.1 18.32% 5.8 2.67% 2.4 0.3 1 5.53% 72.10% 60.70% 2019 2020 2021 2022 2023 2024 2025 WA Tenure WA Interest Rate GMV to Loan Issuances 17 Months 37% 85%
Slide 11: Transactions across the years
Transactions across the years (in thousands) 24 133% Transactions per Day (in thousands) 8,735 ‘19-’25 CAGR 11.2 5.1 2.9 0.2 0.5 1.2 4,092 1,861 1,047 196 452 55 2019 2020 2021 2022 2023 2024 2025 Avg. Daily Trx Interest Bearing Avg. Ticket Size 24K 71% EGP 4.5K
Slide 12: Product Updates
Product Updates
Slide 13: Launching on
Launching on In just 3 steps, the customer can return their own money spent from the card back again! with the option to choose flexible installment plans at the lowest interest rate Choose Eligible Choose Amount & Confirm Transaction Tenure
Slide 14: Launching “Help Center”
Launching “Help Center” Resolve common inquiries through self-service. With a few quick steps, customers submit requests, track them, and access information through the app –anytime- without having to contact customer support. Browse Help Automated Requests Submit a Ticket Tracking Tickets *20% lowe
Slide 15: Launching Instant Loan Approval
Launching Instant Loan Approval Streamlined loan journey with instant in-app approvals for a faster, more reliable experience Choose Loan Type Choose Payment Plan Capture NID Get Instant Approval
Slide 16: Financials
Financials
Slide 17: Financial Highlights
Financial Highlights Gross Revenue Net Revenue Net Income (EGP mn) (EGP mn) (EGP mn) 5,618 110% 208% 143% 3,047 764 ’20 – ‘25 CAGR 20 – ‘25 CAGR 20 – ‘25 CAGR 3,286 1,758 423 1,866 1,107 237 624 906 291 358 31 139 17 11 (43) 9 26 22 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 20
Slide 18: Revenue from operations and OPEX excl ECL
Revenue from operations OPEX excl ECL 5.62bn 1.71bn (+71% y-o-y) (+48% y-o-y) Valu’s revenue stream is broad and balanced, SG&A (89% of OPEX) growth remained well below revenue combining interest income, merchant fees, and growth, underscoring improving operating leverage and product-driven revenues
Slide 19: Diversified Funding Strength
Diversified Funding Strength Authorized Bank Total Securitized Offloading Discounting Limits Portfolio Portfolio Portfolio (26 Banks & NBFIs) (20 securitizations) EGP 15.4bn EGP 19.9bn EGP 2.6bn EGP 2.99bn *Non-recourse on Valu As of Dec’25
Slide 20: Solid Performance
Solid Performance Efficiency Growth Operational Leverage On an improving trend as we optimize the bottom line and scale Improving significantly, reflecting leaner operations and better the business. resource allocation. Net Profit Margin % Cost-To-Income % ex. ECL 14.10% 39.0% 37.7% 13.80% 31.0% 12.
Slide 21: Solid Performance
Solid Performance Total Credit Exposure Revenue Productivity Lending Spread Includes securitization to show our full Tracks the core profitability of our Represents the gross return generated by market reach and capital recycling interest-earning activities against our interest-bearing assets. strat
Slide 22: Solid Performance
Solid Performance Capital Structure Shareholder Value Highlights our disciplined leverage levels Measures how effectively we are turning and long-term financial stability. equity investments into net earnings. Debt-To-Equity Return on Average Equity 9x 39.3% 4.44 x 4.35 x 25.8% 3.37 x 19.5% 2023 202
Slide 23: Risk Management
Risk Management asain,
Slide 24: Scaling with Stability Amid Surging Growth
Scaling with Stability Amid Surging Growth Contained NPLs despite surging growth Non -Performing loans (%) 0.98% Non –Performing Loans (NPL)* Evolution of GMV (in EGP bn) 0.31% 0.95% 0.75% 1.06% 0.78% 0.72% 0.98% 24.51 16.5 66.31% Coverage Ratio** 9.1 5.8 2.4 1 1.11% 0.3 2019 2020 2021 2022 2023 202
Slide 25: Stock Performance
Stock Performance
Slide 26: Stock Performance
Stock Performance Shares Outstanding Free Float Shares 50% Return Since listing 2,106,356,523 450,128,389 High Price 12.80 Market Cap EGP 24.9bn (USD 530mn) Low Price 7.0 Close 11.1 Average Support Level Volume 10.86 3.14 mn shares 10.05 9.35 9.20 8.6 Strong Pivot Point 8.6 Strong Support Level 7.98
Slide 27: Brand Metrics
Brand Metrics
Slide 28: We’ve Built A Brand That’s Loved!
We’ve Built A Brand That’s Loved! We’ve Built A Brand That’s Loved! Highest Follower Base Amongst Consumer Finance/BNPL Companies 956K Followers 146K Followers 600K Subscribers 177K Followers 302K Followers
Slide 29: Awards
Awards Globally Recognized As a Leading Fintech Player NBFI Awards Globally Recognized As a Leading Fintech Player & NBFI ‘Best BNPL platform’ ‘Fintech ‘Fintech ‘Most Innovative ‘Best Overall ‘The Most ‘TopFintech & ‘Fintech Company Financial Convenient and Company of Innovation Fintech Company, Com
Slide 30: Valu Team
your bills ectricity, G25 or ennoncoreet CD search for stores Valu Team
Slide 31: Large and growing team of innovators with a successful track record
Large and growing team of innovators with a successful track record Walid Hassouna Mohamed Mounir Mostafa El Sahn Ramy Zayed Yara El Abd Salma Abdelhamid Chief Executive Officer Deputy -CEO Chief Risk Officer Chief HR Officer Chief Investments Chief Marketing Officer Moataz Lotfy Omar Abdelhady Habi
Slide 32: Appendix
Appendix
Slide 33: Income Statement
Income Statement EGP mn 2022 2023 2024 2025 Operating Revenue 906 1,866 3,057 5,432 Finance Cost (282) (758) (1,528) (2,571) Net Operating Revenue 624 1,108 1,529 2,862 SG&A Expenses (573) (695) (1,047) (1,527) Operating Profit 51 413 482 1,334 Dep. & Amortization (14) (127) (89) (118) Other Income
Slide 34: Balance Sheet
Balance Sheet EGP mn 2022 2023 2024 2025 Cash 428 425 752 553 Accounts Receivables 1,930 2,699 8,553 11,737 Fixed Assets 69 168 293 260 Investments 3 121 121 340 Others(1) 1,440 2,596 1,135 1,354 Assets 3,870 6,007 10,853 14,244 Overdraft & Factoring 3,093 4,094 7,671 10,020 Creditors 331 536 1,339
Slide 35: Thank You
Valu Thank You