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U Consumer Finance S.A.E. (EGX:VALU)
Egypt flag Egypt · Delayed Price · Currency is EGP
11.76
+0.09 (0.77%)
At close: Aug 5, 2026

U Consumer Finance S.A.E. Financials Overview

Millions EGP. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,4361,165718.06720.45446.74218.46
Revenue Growth
25.22%62.20%-0.33%61.27%104.50%-
Operating Income
964.93845.42204.3285.03-8.8215.58
Net Income
861.07764.39422.73236.7821.8725.83
Earnings Per Share
0.400.360.216.330.610.74
EPS Growth
80.94%68.23%-96.65%934.19%-17.11%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,714557.42755.53427.38427.91300.61
Total Debt
12,73910,0957,7504,1663,2161,325
Net Cash (Debt)
-11,026-9,537-6,995-3,738-2,788-1,025
Net Cash Growth
------
Net Cash Per Share
-5.07-4.45-3.50-99.87-77.97-29.28

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-9,523-8,004-8,206-5,633-2,111-930.92
Capital Expenditures
-85.3-57.4-164.41-138.43-58.97-11.6
Free Cash Flow
-9,609-8,061-8,371-5,771-2,170-942.52
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
67.20%72.59%28.45%39.56%-1.97%7.13%
Pretax Margin
79.29%86.67%73.52%42.93%6.35%12.93%
Profit Margin
59.97%65.63%58.87%32.87%4.90%11.82%
FCF Margin
-669.23%-692.14%-1165.72%-801.09%-485.70%-431.44%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
29.4525.90----
Forward PE
21.6117.45----
PS Ratio
17.1217.00----