EFG Holding Company S.A.E Income Statement

Financials in millions EGP. Fiscal year is January - December.

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	27,109	22,406	13,566	9,302	4,448
Total Interest Expense	19,544	15,310	8,867	5,698	1,831
Net Interest Income	7,565	7,095	4,699	3,604	2,617
Brokerage Commission	14,009	11,452	7,162	4,805	3,395
Gain on Sale of Investments (Rev)	1,424	2,787	2,017	76	-83.46
Other Revenue	4,426	1,472	-759.4	458.06	221.04
Revenue Before Loan Losses	27,424	22,807	13,118	8,942	6,150
Provision for Loan Losses	853.66	683.02	-	532.05	104.43
Revenue	26,570	22,124	13,118	8,410	6,045
Revenue Growth (YoY)	20.10%	68.65%	55.98%	39.13%	10.52%
Salaries & Employee Benefits	83.89	73.94	130.94	139.36	149.65
Cost of Services Provided	18,148	15,753	9,540	6,795	3,862
Other Operating Expenses	330.2	744.89	202.73	157.16	97.42
Total Operating Expenses	19,442	17,155	10,355	7,594	4,340
Operating Income	7,128	4,968	2,764	816.02	1,705
Currency Exchange Gains	594.93	2,908	1,155	2,496	234.14
Other Non-Operating Income (Expenses)	-113.58	-40.68	-38.06	-21.17	-5.67
EBT Excluding Unusual Items	7,609	7,835	3,881	3,291	1,934
Impairment of Goodwill	-	-	-12	-10.24	-9.5
Asset Writedown	-100.45	-58.42	-	-	-6.53
Gain (Loss) on Sale of Investments	-14.5	-75.34	-	-27.23	1.66
Other Unusual Items	-	-	-	-	97.56
Pretax Income	7,494	7,702	3,928	3,259	2,021
Income Tax Expense	1,240	2,370	1,094	1,104	350.2
Earnings From Continuing Ops.	6,255	5,331	2,834	2,155	1,670
Net Income to Company	6,255	5,331	2,834	2,155	1,670
Minority Interest in Earnings	-2,196	-1,077	-622.02	-352.01	-117.44
Net Income	4,058	4,254	2,212	1,803	1,553
Net Income to Common	4,058	4,254	2,212	1,803	1,553
Net Income Growth	-4.60%	92.29%	22.71%	16.09%	18.97%
Shares Outstanding (Basic)	1,436	1,445	1,460	1,460	1,460
Shares Outstanding (Diluted)	1,436	1,445	1,460	1,460	1,460
Shares Change (YoY)	-0.64%	-0.99%	-	-	5.50%
EPS (Basic)	2.83	2.94	1.52	1.24	1.06
EPS (Diluted)	2.83	2.94	1.52	1.24	1.06
EPS Growth	-3.98%	94.22%	22.71%	16.09%	12.77%
Free Cash Flow	-23,917	-14,491	-9,192	11,377	-7,135
Free Cash Flow Per Share	-16.66	-10.03	-6.30	7.79	-4.89
Operating Margin	26.83%	22.46%	21.07%	9.70%	28.21%
Profit Margin	15.27%	19.23%	16.86%	21.44%	25.69%
Free Cash Flow Margin	-90.01%	-65.50%	-70.07%	135.27%	-118.03%
Effective Tax Rate	16.54%	30.78%	27.85%	33.87%	17.33%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.