U Consumer Finance S.A.E. (EGX:VALU)
Egypt · Delayed Price · Currency is EGP 11.76
+0.09 (0.77%)
At close: Aug 5, 2026
U Consumer Finance S.A.E. Cash Flow Statement
Financials in millions EGP. Fiscal year is January - December.
Millions EGP. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Net Income | 861.07 | 764.39 | 422.73 | 236.78 | 21.87 | 25.83 |
Depreciation & Amortization | 122.47 | 118.17 | 89.2 | 38.45 | 13.59 | 8.16 |
Loss (Gain) From Sale of Investments | -0.76 | -0.75 | -0.94 | - | - | - |
Provision for Credit Losses | 421 | 288.23 | 172.8 | 85.13 | 6.55 | 52.05 |
Stock-Based Compensation | - | - | - | - | -0.46 | 0.46 |
Change in Income Taxes | - | - | - | -4.57 | - | - |
Change in Other Net Operating Assets | -8,525 | -7,024 | -7,873 | -5,566 | -2,001 | -983.26 |
Other Operating Activities | -2,402 | -2,150 | -1,020 | -421.88 | -151.17 | -34.16 |
Operating Cash Flow | -9,523 | -8,004 | -8,206 | -5,633 | -2,111 | -930.92 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Capital Expenditures | -85.3 | -57.4 | -164.41 | -138.43 | -58.97 | -11.6 |
Sale of Property, Plant & Equipment | 3.85 | 3.85 | 0.04 | 15.96 | - | - |
Cash Acquisitions | -387.24 | -337.24 | - | - | - | - |
Sale (Purchase) of Intangibles | -0.55 | -0.55 | -27.76 | -9.73 | -7.12 | -1.25 |
Investment in Securities | -799.99 | - | - | 96.49 | -97.3 | -2 |
Other Investing Activities | 189.35 | 185.19 | 229.7 | 43.43 | 37.61 | 4.72 |
Investing Cash Flow | -1,080 | -206.15 | 37.57 | 7.72 | -125.77 | -10.13 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Long-Term Debt Issued | - | 8,095 | 8,343 | 5,241 | 2,258 | 322.5 |
Long-Term Debt Repaid | - | -573.19 | -16.81 | -32.61 | -8.34 | -72.68 |
Net Debt Issued (Repaid) | 11,516 | 7,522 | 8,326 | 5,208 | 2,249 | 249.82 |
Issuance of Common Stock | 11.05 | 11.05 | - | 56.1 | - | 157.58 |
Common Dividends Paid | -38.15 | -38.15 | - | - | - | - |
Other Financing Activities | 0.01 | 0.01 | 0 | - | -0 | - |
Financing Cash Flow | 11,489 | 7,495 | 8,326 | 5,264 | 2,249 | 407.39 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Net Cash Flow | 932.6 | -714.61 | 157.37 | -361.12 | 12.61 | -533.65 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Free Cash Flow | -9,609 | -8,061 | -8,371 | -5,771 | -2,170 | -942.52 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -669.23% | -692.14% | -1165.72% | -801.09% | -485.70% | -431.44% |
Free Cash Flow Per Share | -4.42 | -3.76 | -4.19 | -154.19 | -60.69 | -26.93 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 Income Tax Paid | 88.41 | 88.41 | 71.19 | 4.57 | 3.01 | - |