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. Income Statement
Financials in millions EGP. Fiscal year is January - December.
Millions EGP. Fiscal year is Jan - Dec.
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 |
Interest and Dividend Income | 1,936 | 1,680 | 1,316 | 1,022 | 541.4 | 145.5 |
Total Interest Expense | 2,690 | 2,561 | 1,354 | 758.15 | 281.8 | 67.75 |
Net Interest Income | -753.97 | -880.91 | -37.67 | 263.81 | 259.6 | 77.75 |
Gain (Loss) on Sale of Loans & Receivables | 2,494 | 2,152 | 834.71 | 485.59 | 143.37 | 34.91 |
Other Revenue | 181.59 | 181.59 | 93.82 | 62.89 | 37.58 | 157.85 |
Revenue Before Loan Losses | 1,921 | 1,453 | 890.86 | 812.29 | 440.56 | 270.51 |
Provision for Loan Losses | 446.68 | 288.23 | 172.8 | 91.84 | -6.18 | 52.05 |
| 1,475 | 1,165 | 718.06 | 720.45 | 446.74 | 218.46 | |
Revenue Growth | 15.69% | 62.20% | -0.33% | 61.27% | 104.50% | - |
Cost of Services Provided | 1,820 | 1,593 | 1,064 | 688.58 | 603.36 | 205.1 |
Other Operating Expenses | -1,369 | -1,392 | -639.15 | -291.74 | -161.39 | -10.37 |
Total Operating Expenses | 584.23 | 319.23 | 513.75 | 435.42 | 455.56 | 202.88 |
Operating Income | 890.35 | 845.42 | 204.3 | 285.03 | -8.82 | 15.58 |
Currency Exchange Gain (Loss) | -11.47 | -21.37 | 96.07 | -20.22 | -0.4 | 0 |
EBT Excluding Unusual Items | 1,191 | 1,010 | 531.01 | 308.8 | 3.88 | 22.55 |
Other Unusual Items | - | - | - | - | 24.5 | 5.7 |
Pretax Income | 1,191 | 1,009 | 527.88 | 309.29 | 28.38 | 28.25 |
Income Tax Expense | 281.39 | 244.97 | 105.14 | 72.51 | 6.51 | 2.42 |
Earnings From Continuing Ops. | 909.99 | 764.4 | 422.74 | 236.78 | 21.87 | 25.83 |
Minority Interest in Earnings | -0.02 | -0.01 | -0 | 0 | - | - |
Net Income | 909.97 | 764.39 | 422.73 | 236.78 | 21.87 | 25.83 |
Net Income to Common | 909.97 | 764.39 | 422.73 | 236.78 | 21.87 | 25.83 |
Net Income Growth | 63.81% | 80.82% | 78.53% | 982.76% | -15.33% | - |
Shares Outstanding (Basic) | 2,190 | 2,145 | 1,996 | 37 | 36 | 35 |
Shares Outstanding (Diluted) | 2,190 | 2,145 | 1,996 | 37 | 36 | 35 |
Shares Change | 9.16% | 7.48% | 5232.26% | 4.70% | 2.15% | - |
EPS (Basic) | 0.42 | 0.36 | 0.21 | 6.33 | 0.61 | 0.74 |
EPS (Diluted) | 0.42 | 0.36 | 0.21 | 6.33 | 0.61 | 0.74 |
EPS Growth | 50.06% | 68.23% | -96.65% | 934.19% | -17.11% | - |
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 |
Free Cash Flow | -10,959 | -8,061 | -8,371 | -5,771 | -2,170 | -942.52 |
Free Cash Flow Per Share | -5.00 | -3.76 | -4.19 | -154.19 | -60.69 | -26.93 |
Operating Margin | 60.38% | 72.59% | 28.45% | 39.56% | -1.97% | 7.13% |
Profit Margin | 61.71% | 65.63% | 58.87% | 32.87% | 4.90% | 11.82% |
Free Cash Flow Margin | -743.20% | -692.14% | -1165.72% | -801.09% | -485.70% | -431.44% |
Effective Tax Rate | 23.62% | 24.27% | 19.92% | 23.44% | 22.93% | 8.58% |