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	Jun 23, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	25,676	19,800	-	-	-	-
PE Ratio	30.76	25.90	-	-	-	-
PS Ratio	17.88	17.00	-	-	-	-
PB Ratio	10.17	8.78	-	-	-	-
Debt / Equity Ratio	5.05	4.47	4.74	3.43	10.74	4.77
Net Debt / Equity Ratio	4.37	4.23	4.27	3.08	9.31	3.69
Net Debt / FCF Ratio	-1.15	-1.18	-0.84	-0.65	-1.28	-1.09
Quick Ratio	1.53	1.15	2.40	1.11	1.10	1.12
Current Ratio	1.63	1.22	2.54	1.16	1.18	1.15
Asset Turnover	0.10	0.09	0.09	0.15	0.15	-
Return on Equity (ROE)	40.19%	39.27%	29.66%	31.29%	7.57%	-
Return on Assets (ROA)	5.93%	6.09%	5.01%	4.79%	0.75%	-
Return on Invested Capital (ROIC)	5.29%	5.89%	2.22%	4.91%	-0.27%	0.89%
Earnings Yield	3.35%	3.86%	-	-	-	-
FCF Yield	-37.42%	-40.71%	-	-	-	-
Payout Ratio	4.43%	4.99%	-	-	-	-
Buyback Yield / Dilution	-8.87%	-7.48%	-5232.26%	-4.70%	-2.15%	-

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jun 22, 2026

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