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

U Consumer Finance S.A.E. Balance Sheet

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
Cash & Equivalents	552.92	751.78	424.57	427.91	300.61
Long-Term Investments	340.29	120.82	120.82	102.35	5.05
Trading Asset Securities	4.5	3.75	2.81	-	-
Loans & Lease Receivables	11,737	8,553	4,192	3,011	1,521
Other Receivables	62.56	42.6	314.77	0.26	0.41
Property, Plant & Equipment	307.76	336.09	227.53	93.24	69.6
Goodwill	308.23	308.23	463.19	-	-
Other Intangible Assets	151.83	183.3	28.4	12.52	8.18
Other Current Assets	778.85	554.12	231.89	222.04	45.91
Long-Term Deferred Tax Assets	-	-	-	-	0.52
Total Assets	14,244	10,853	6,006	3,870	1,952
Accounts Payable	914.09	448.38	336.54	191.97	164.54
Accrued Expenses	406.98	763.5	171.63	133.37	121.88
Short-Term Debt	2,286	1,770	1,596	1,314	1,239
Current Portion of Long-Term Debt	6,607	658.53	2,231	1,435	36.27
Current Portion of Leases	21.13	18.02	13.43	13.66	6.9
Long-Term Debt	1,134	5,248	269.12	421.78	-
Long-Term Leases	46.87	54.96	56.1	31.63	43.33
Current Income Taxes Payable	245.98	88.41	71.19	4.57	2.95
Other Current Liabilities	309.51	148.65	46.32	24.57	58.67
Long-Term Deferred Tax Liabilities	16.62	17.62	0.89	0.1	0.01
Total Liabilities	11,988	9,217	4,792	3,570	1,674
Common Stock	210.64	199.59	199.59	182.78	175
Additional Paid-In Capital	710.9	710.9	710.9	58.41	-
Retained Earnings	1,335	726.2	303.46	58.27	-54.98
Comprehensive Income & Other	-	-	-	-	158.04
Total Common Equity	2,256	1,637	1,214	299.46	278.05
Minority Interest	0.01	0	-0	-	-
Shareholders' Equity	2,256	1,637	1,214	299.46	278.05
Total Liabilities & Equity	14,244	10,853	6,006	3,870	1,952
Total Debt	10,095	7,750	4,166	3,216	1,325
Net Cash (Debt)	-9,537	-6,995	-3,738	-2,788	-1,025
Net Cash Per Share	-4.45	-3.50	-99.87	-77.97	-29.28
Filing Date Shares Outstanding	2,106	39.92	39.92	36.56	35
Total Common Shares Outstanding	2,106	39.92	39.92	36.56	35
Working Capital	2,346	6,009	700.12	544.88	238.04
Book Value Per Share	1.07	41.00	30.41	8.19	7.94
Tangible Book Value	1,796	1,145	722.36	286.94	269.87
Tangible Book Value Per Share	0.85	28.69	18.10	7.85	7.71

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