U Consumer Finance S.A.E. (EGX:VALU)

U Consumer Finance S.A.E. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	2,066	1,316	1,022	541.4	145.5
Total Interest Expense	2,478	1,528	758.15	281.8	67.75
Net Interest Income	-412.25	-211.53	263.81	259.6	77.75
Gain (Loss) on Sale of Loans & Receivables	1,824	834.71	485.59	143.37	34.91
Other Revenue	93.82	93.82	62.89	37.58	157.85
Revenue Before Loan Losses	1,505	717	812.29	440.56	270.51
Provision for Loan Losses	166.71	172.8	91.84	-6.18	52.05
Revenue	1,338	544.19	720.45	446.74	218.46
Revenue Growth (YoY)	-	-24.46%	61.27%	104.50%	-
Cost of Services Provided	1,419	1,064	688.58	603.36	205.1
Other Operating Expenses	-799.29	-813.01	-291.74	-161.39	-10.37
Total Operating Expenses	736.27	339.89	435.42	455.56	202.88
Operating Income	602.14	204.3	285.03	-8.82	15.58
Currency Exchange Gain (Loss)	-7.48	96.07	-20.22	-0.4	0
EBT Excluding Unusual Items	930.46	531.01	308.8	3.88	22.55
Other Unusual Items	-	-	-	24.5	5.7
Pretax Income	929.69	527.88	309.29	28.38	28.25
Income Tax Expense	192.07	105.14	72.51	6.51	2.42
Earnings From Continuing Ops.	737.61	422.74	236.78	21.87	25.83
Minority Interest in Earnings	-0.01	-0	0	-	-
Net Income	737.6	422.73	236.78	21.87	25.83
Net Income to Common	737.6	422.73	236.78	21.87	25.83
Net Income Growth	-	78.53%	982.76%	-15.33%	-
Shares Outstanding (Basic)	2,106	40	37	36	35
Shares Outstanding (Diluted)	2,106	40	37	36	35
Shares Change (YoY)	-	6.64%	4.70%	2.15%	-
EPS (Basic)	0.35	10.59	6.33	0.61	0.74
EPS (Diluted)	0.35	10.59	6.33	0.61	0.74
EPS Growth	-	67.41%	934.19%	-17.11%	-
Free Cash Flow	-8,574	-8,383	-5,771	-2,170	-942.52
Free Cash Flow Per Share	-4.07	-210.01	-154.19	-60.69	-26.93
Operating Margin	44.99%	37.54%	39.56%	-1.97%	7.13%
Profit Margin	55.11%	77.68%	32.87%	4.90%	11.82%
Free Cash Flow Margin	-640.62%	-1540.49%	-801.09%	-485.70%	-431.44%
Effective Tax Rate	20.66%	19.92%	23.44%	22.93%	8.58%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.