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

U Consumer Finance S.A.E. Ratios and Metrics

Market cap in millions EGP. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 13, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	21,422	19,800	-	-	-	-
PE Ratio	28.54	25.90	-	-	-	-
PS Ratio	18.55	17.15	-	-	-	-
PB Ratio	9.49	8.78	-	-	-	-
Debt / Equity Ratio	4.47	4.47	4.74	3.43	10.74	4.77
Net Debt / Equity Ratio	4.23	4.23	4.27	3.08	9.31	3.69
Net Debt / FCF Ratio	-1.18	-1.18	-0.84	-0.65	-1.28	-1.09
Quick Ratio	1.15	1.15	2.40	1.11	1.10	1.12
Current Ratio	1.22	1.22	2.54	1.16	1.18	1.15
Asset Turnover	0.09	0.09	0.07	0.15	0.15	-
Return on Equity (ROE)	39.27%	39.27%	29.66%	31.29%	7.57%	-
Return on Assets (ROA)	6.09%	6.09%	5.01%	4.79%	0.75%	-
Return on Invested Capital (ROIC)	5.10%	5.89%	2.22%	4.91%	-0.27%	0.89%
Earnings Yield	3.57%	3.86%	-	-	-	-
FCF Yield	-37.63%	-40.71%	-	-	-	-
Payout Ratio	4.99%	4.99%	-	-	-	-
Buyback Yield / Dilution	-7.48%	-7.48%	-5232.26%	-4.70%	-2.15%	-

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