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

U Consumer Finance S.A.E. Statistics

Total Valuation

EGX:VALU has a market cap or net worth of EGP 20.16 billion.

Market Cap	20.16B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, March 19, 2026.

Earnings Date	Mar 19, 2026
Ex-Dividend Date	n/a

Share Statistics

EGX:VALU has 2.11 billion shares outstanding.

Current Share Class	2.11B
Shares Outstanding	2.11B
Shares Change (YoY)	n/a
Shares Change (QoQ)	+1.51%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	1.20%
Float	n/a

Valuation Ratios

The trailing PE ratio is 27.33 and the forward PE ratio is 17.76. EGX:VALU's PEG ratio is 0.34.

PE Ratio	27.33
Forward PE	17.76
PS Ratio	15.06
PB Ratio	9.91
P/TBV Ratio	12.77
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.34

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.10, with a Debt / Equity ratio of 5.28.

Current Ratio	3.10
Quick Ratio	3.02
Debt / Equity	5.28
Debt / EBITDA	n/a
Debt / FCF	-1.25
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, EGX:VALU has paid 192.07 million in taxes.

Income Tax	192.07M
Effective Tax Rate	20.66%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	8.96
200-Day Moving Average	n/a
Relative Strength Index (RSI)	56.78
Average Volume (20 Days)	2,200,969

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, EGX:VALU had revenue of EGP 1.34 billion and earned 737.60 million in profits. Earnings per share was 0.35.

Revenue	1.34B
Gross Profit	1.29B
Operating Income	602.14M
Pretax Income	929.69M
Net Income	737.60M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.35

Balance Sheet

The company has 2.07 billion in cash and 10.73 billion in debt, giving a net cash position of -8.67 billion or -4.11 per share.

Cash & Cash Equivalents	2.07B
Total Debt	10.73B
Net Cash	-8.67B
Net Cash Per Share	-4.11
Equity (Book Value)	2.03B
Book Value Per Share	0.97
Working Capital	9.28B

Cash Flow

In the last 12 months, operating cash flow was -8.48 billion and capital expenditures -92.85 million, giving a free cash flow of -8.57 billion.

Operating Cash Flow	-8.48B
Capital Expenditures	-92.85M
Free Cash Flow	-8.57B
FCF Per Share	-4.07

Margins

Gross margin is 96.37%, with operating and profit margins of 44.99% and 55.11%.

Gross Margin	96.37%
Operating Margin	44.99%
Pretax Margin	69.46%
Profit Margin	55.11%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

EGX:VALU does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	5.17%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	3.66%
FCF Yield	-42.53%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	1