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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	1,680	1,316	1,022	541.4	145.5
Total Interest Expense	2,571	1,528	758.15	281.8	67.75
Net Interest Income	-890.84	-211.53	263.81	259.6	77.75
Gain (Loss) on Sale of Loans & Receivables	2,152	834.71	485.59	143.37	34.91
Other Revenue	181.59	93.82	62.89	37.58	157.85
Revenue Before Loan Losses	1,443	717	812.29	440.56	270.51
Provision for Loan Losses	288.23	172.8	91.84	-6.18	52.05
Revenue	1,155	544.19	720.45	446.74	218.46
Revenue Growth (YoY)	112.19%	-24.46%	61.27%	104.50%	-
Cost of Services Provided	1,593	1,064	688.58	603.36	205.1
Other Operating Expenses	-1,402	-813.01	-291.74	-161.39	-10.37
Total Operating Expenses	309.31	339.89	435.42	455.56	202.88
Operating Income	845.42	204.3	285.03	-8.82	15.58
Currency Exchange Gain (Loss)	-21.37	96.07	-20.22	-0.4	0
EBT Excluding Unusual Items	1,010	531.01	308.8	3.88	22.55
Other Unusual Items	-	-	-	24.5	5.7
Pretax Income	1,009	527.88	309.29	28.38	28.25
Income Tax Expense	244.97	105.14	72.51	6.51	2.42
Earnings From Continuing Ops.	764.4	422.74	236.78	21.87	25.83
Minority Interest in Earnings	-0.01	-0	0	-	-
Net Income	764.39	422.73	236.78	21.87	25.83
Net Income to Common	764.39	422.73	236.78	21.87	25.83
Net Income Growth	80.82%	78.53%	982.76%	-15.33%	-
Shares Outstanding (Basic)	2,145	1,996	37	36	35
Shares Outstanding (Diluted)	2,145	1,996	37	36	35
Shares Change (YoY)	7.48%	5232.26%	4.70%	2.15%	-
EPS (Basic)	0.36	0.21	6.33	0.61	0.74
EPS (Diluted)	0.36	0.21	6.33	0.61	0.74
EPS Growth	68.23%	-96.65%	934.19%	-17.11%	-
Free Cash Flow	-8,061	-8,371	-5,771	-2,170	-942.52
Free Cash Flow Per Share	-3.76	-4.19	-154.19	-60.69	-26.93
Operating Margin	73.21%	37.54%	39.56%	-1.97%	7.13%
Profit Margin	66.20%	77.68%	32.87%	4.90%	11.82%
Free Cash Flow Margin	-698.09%	-1538.16%	-801.09%	-485.70%	-431.44%
Effective Tax Rate	24.27%	19.92%	23.44%	22.93%	8.58%

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