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 21.42 billion.

Market Cap	21.42B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, March 18, 2026.

Earnings Date	Mar 18, 2026
Ex-Dividend Date	n/a

Share Statistics

EGX:VALU has 2.11 billion shares outstanding. The number of shares has increased by 7.48% in one year.

Current Share Class	2.11B
Shares Outstanding	2.11B
Shares Change (YoY)	+7.48%
Shares Change (QoQ)	+19.19%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.43%
Float	n/a

Valuation Ratios

The trailing PE ratio is 28.54 and the forward PE ratio is 16.67. EGX:VALU's PEG ratio is 0.31.

PE Ratio	28.54
Forward PE	16.67
PS Ratio	18.55
PB Ratio	9.49
P/TBV Ratio	11.93
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.31

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 1.22, with a Debt / Equity ratio of 4.47.

Current Ratio	1.22
Quick Ratio	1.15
Debt / Equity	4.47
Debt / EBITDA	n/a
Debt / FCF	-1.25
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 39.27% and return on invested capital (ROIC) is 5.10%.

Return on Equity (ROE)	39.27%
Return on Assets (ROA)	6.09%
Return on Invested Capital (ROIC)	5.10%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.09
Inventory Turnover	n/a

Taxes

In the past 12 months, EGX:VALU has paid 244.97 million in taxes.

Income Tax	244.97M
Effective Tax Rate	24.27%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	10.38
200-Day Moving Average	n/a
Relative Strength Index (RSI)	46.63
Average Volume (20 Days)	2,472,406

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 1.15 billion and earned 764.39 million in profits. Earnings per share was 0.36.

Revenue	1.15B
Gross Profit	1.09B
Operating Income	845.42M
Pretax Income	1.01B
Net Income	764.39M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.36

Balance Sheet

The company has 557.42 million in cash and 10.09 billion in debt, with a net cash position of -9.54 billion or -4.53 per share.

Cash & Cash Equivalents	557.42M
Total Debt	10.09B
Net Cash	-9.54B
Net Cash Per Share	-4.53
Equity (Book Value)	2.26B
Book Value Per Share	1.07
Working Capital	2.35B

Cash Flow

In the last 12 months, operating cash flow was -8.00 billion and capital expenditures -57.40 million, giving a free cash flow of -8.06 billion.

Operating Cash Flow	-8.00B
Capital Expenditures	-57.40M
Free Cash Flow	-8.06B
FCF Per Share	-3.83

Margins

Gross margin is 94.33%, with operating and profit margins of 73.21% and 66.20%.

Gross Margin	94.33%
Operating Margin	73.21%
Pretax Margin	87.41%
Profit Margin	66.20%
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	4.99%
Buyback Yield	-7.48%
Shareholder Yield	-7.48%
Earnings Yield	3.57%
FCF Yield	-37.63%

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	4