U Consumer Finance S.A.E. Income Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 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	1,878	1,316	1,022	541.4	145.5
Total Interest Expense	2,374	1,528	758.15	281.8	67.75
Net Interest Income	-495.95	-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	1,421	717	812.29	440.56	270.51
Provision for Loan Losses	215.8	172.8	91.84	-6.18	52.05
Revenue	1,206	544.19	720.45	446.74	218.46
Revenue Growth (YoY)	-	-24.46%	61.27%	104.50%	-
Cost of Services Provided	1,416	1,064	688.58	603.36	205.1
Other Operating Expenses	-800.29	-813.01	-291.74	-161.39	-10.37
Total Operating Expenses	728.71	339.89	435.42	455.56	202.88
Operating Income	476.91	204.3	285.03	-8.82	15.58
Currency Exchange Gain (Loss)	-7.46	96.07	-20.22	-0.4	0
EBT Excluding Unusual Items	805.07	531.01	308.8	3.88	22.55
Other Unusual Items	-	-	-	24.5	5.7
Pretax Income	804.29	527.88	309.29	28.38	28.25
Income Tax Expense	157.02	105.14	72.51	6.51	2.42
Earnings From Continuing Ops.	647.27	422.74	236.78	21.87	25.83
Minority Interest in Earnings	-0	-0	0	-	-
Net Income	647.27	422.73	236.78	21.87	25.83
Net Income to Common	647.27	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)	0.31	10.59	6.33	0.61	0.74
EPS (Diluted)	0.31	10.59	6.33	0.61	0.74
EPS Growth	-	67.41%	934.19%	-17.11%	-
Free Cash Flow	-8,154	-8,383	-5,771	-2,170	-942.52
Free Cash Flow Per Share	-3.87	-210.01	-154.19	-60.69	-26.93
Operating Margin	39.56%	37.54%	39.56%	-1.97%	7.13%
Profit Margin	53.69%	77.68%	32.87%	4.90%	11.82%
Free Cash Flow Margin	-676.32%	-1540.49%	-801.09%	-485.70%	-431.44%
Effective Tax Rate	19.52%	19.92%	23.44%	22.93%	8.58%

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