U Consumer Finance S.A.E. (EGX:VALU)
Egypt · Delayed Price · Currency is EGP 10.80
-0.23 (-2.09%)
At close: Aug 25, 2026
U Consumer Finance S.A.E. Balance Sheet
Financials in millions EGP. Fiscal year is January - December.
Millions EGP. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 1,822 | 552.92 | 751.78 | 424.57 | 427.91 | 300.61 |
Long-Term Investments | 3.05 | 340.29 | 120.82 | 120.82 | 102.35 | 5.05 |
Trading Asset Securities | 4.9 | 4.5 | 3.75 | 2.81 | - | - |
Loans & Lease Receivables | 13,320 | 11,737 | 8,553 | 4,192 | 3,011 | 1,521 |
Other Receivables | 83.14 | 62.56 | 42.6 | 314.77 | 0.26 | 0.41 |
Property, Plant & Equipment | 353.25 | 307.76 | 336.09 | 227.53 | 93.24 | 69.6 |
Goodwill | 308.23 | 308.23 | 308.23 | 463.19 | - | - |
Other Intangible Assets | 139.32 | 151.83 | 183.3 | 28.4 | 12.52 | 8.18 |
Other Current Assets | 3,759 | 778.85 | 554.12 | 231.89 | 222.04 | 45.91 |
Long-Term Deferred Tax Assets | - | - | - | - | - | 0.52 |
Total Assets | 19,792 | 14,244 | 10,853 | 6,006 | 3,870 | 1,952 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Accounts Payable | 890.91 | 914.09 | 448.38 | 336.54 | 191.97 | 164.54 |
Accrued Expenses | 314.28 | 406.98 | 763.5 | 171.63 | 133.37 | 121.88 |
Short-Term Debt | 4,090 | 2,286 | 1,770 | 1,596 | 1,314 | 1,239 |
Current Portion of Long-Term Debt | 6,866 | 6,607 | 658.53 | 2,231 | 1,435 | 36.27 |
Current Portion of Leases | 24.78 | 21.13 | 18.02 | 13.43 | 13.66 | 6.9 |
Long-Term Debt | 4,328 | 1,134 | 5,248 | 269.12 | 421.78 | - |
Long-Term Leases | 55.46 | 46.87 | 54.96 | 56.1 | 31.63 | 43.33 |
Current Income Taxes Payable | 151.46 | 245.98 | 88.41 | 71.19 | 4.57 | 2.95 |
Other Current Liabilities | 309.7 | 309.51 | 148.65 | 46.32 | 24.57 | 58.67 |
Long-Term Deferred Tax Liabilities | 8.98 | 16.62 | 17.62 | 0.89 | 0.1 | 0.01 |
Total Liabilities | 17,039 | 11,988 | 9,217 | 4,792 | 3,570 | 1,674 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 210.64 | 210.64 | 199.59 | 199.59 | 182.78 | 175 |
Additional Paid-In Capital | 710.9 | 710.9 | 710.9 | 710.9 | 58.41 | - |
Retained Earnings | 1,821 | 1,335 | 726.2 | 303.46 | 58.27 | -54.98 |
Comprehensive Income & Other | 10.45 | - | - | - | - | 158.04 |
Total Common Equity | 2,753 | 2,256 | 1,637 | 1,214 | 299.46 | 278.05 |
Minority Interest | 0.02 | 0.01 | 0 | -0 | - | - |
Shareholders' Equity | 2,753 | 2,256 | 1,637 | 1,214 | 299.46 | 278.05 |
Total Liabilities & Equity | 19,792 | 14,244 | 10,853 | 6,006 | 3,870 | 1,952 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 15,364 | 10,095 | 7,750 | 4,166 | 3,216 | 1,325 |
Net Cash (Debt) | -13,537 | -9,537 | -6,995 | -3,738 | -2,788 | -1,025 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -6.18 | -4.45 | -3.50 | -99.87 | -77.97 | -29.28 |
Filing Date Shares Outstanding | 2,106 | 2,106 | 39.92 | 39.92 | 36.56 | 35 |
Total Common Shares Outstanding | 2,106 | 2,106 | 39.92 | 39.92 | 36.56 | 35 |
Working Capital | 6,341 | 2,346 | 6,009 | 700.12 | 544.88 | 238.04 |
Book Value Per Share | 1.31 | 1.07 | 41.00 | 30.41 | 8.19 | 7.94 |
Tangible Book Value | 2,305 | 1,796 | 1,145 | 722.36 | 286.94 | 269.87 |
Tangible Book Value Per Share | 1.09 | 0.85 | 28.69 | 18.10 | 7.85 | 7.71 |