U Consumer Finance S.A.E. (EGX:VALU)
Egypt flag Egypt · Delayed Price · Currency is EGP
7.49
-0.01 (-0.13%)
At close: Oct 2, 2025

U Consumer Finance S.A.E. Income Statement

Millions EGP. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '25 Dec '24 Dec '23 Dec '22 Dec '21
Interest and Dividend Income
1,9131,3161,022541.4145.5
Total Interest Expense
2,2421,528758.15281.867.75
Net Interest Income
-328.71-211.53263.81259.677.75
Gain (Loss) on Sale of Loans & Receivables
1,387834.71485.59143.3734.91
Other Revenue
93.8293.8262.8937.58157.85
Revenue Before Loan Losses
1,152717812.29440.56270.51
Provision for Loan Losses
152.04172.891.84-6.1852.05
1,000544.19720.45446.74218.46
Revenue Growth (YoY)
123.87%-24.46%61.27%104.50%-
Cost of Services Provided
1,3441,064688.58603.36205.1
Other Operating Expenses
-806.27-813.01-291.74-161.39-10.37
Total Operating Expenses
645.63339.89435.42455.56202.88
Operating Income
354.48204.3285.03-8.8215.58
Currency Exchange Gain (Loss)
5.3996.07-20.22-0.40
EBT Excluding Unusual Items
698.61531.01308.83.8822.55
Other Unusual Items
---24.55.7
Pretax Income
694.89527.88309.2928.3828.25
Income Tax Expense
139.37105.1472.516.512.42
Earnings From Continuing Ops.
555.52422.74236.7821.8725.83
Minority Interest in Earnings
-0.01-00--
Net Income
555.51422.73236.7821.8725.83
Net Income to Common
555.51422.73236.7821.8725.83
Net Income Growth
2440.25%78.53%982.76%-15.33%-
Shares Outstanding (Basic)
2,10640373635
Shares Outstanding (Diluted)
2,10640373635
Shares Change (YoY)
5791.65%6.64%4.70%2.15%-
EPS (Basic)
0.2610.596.330.610.74
EPS (Diluted)
0.2610.596.330.610.74
EPS Growth
-56.88%67.41%934.19%-17.11%-
Free Cash Flow
-9,303-8,383-5,771-2,170-942.52
Free Cash Flow Per Share
-4.42-210.01-154.19-60.69-26.93
Operating Margin
35.44%37.54%39.56%-1.97%7.13%
Profit Margin
55.55%77.68%32.87%4.90%11.82%
Free Cash Flow Margin
-930.17%-1540.49%-801.09%-485.70%-431.44%
Effective Tax Rate
20.06%19.92%23.44%22.93%8.58%
Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.