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

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 22, 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
Market Capitalization	26,329	19,800	-	-	-	-
PE Ratio	35.08	25.90	-	-	-	-
PS Ratio	22.80	17.15	-	-	-	-
PB Ratio	11.67	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	2.90%	3.86%	-	-	-	-
FCF Yield	-30.62%	-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.