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 17.88 billion.

Market Cap	17.88B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, November 12, 2025.

Earnings Date	Nov 12, 2025
Ex-Dividend Date	n/a

Share Statistics

EGX:VALU has 2.11 billion shares outstanding. The number of shares has increased by 5,791.65% in one year.

Current Share Class	2.11B
Shares Outstanding	2.11B
Shares Change (YoY)	+5,791.65%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.91%
Float	n/a

Valuation Ratios

The trailing PE ratio is 32.19 and the forward PE ratio is 18.87. EGX:VALU's PEG ratio is 0.36.

PE Ratio	32.19
Forward PE	18.87
PS Ratio	17.88
PB Ratio	9.76
P/TBV Ratio	13.06
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.36

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 2.52, with a Debt / Equity ratio of 5.26.

Current Ratio	2.52
Quick Ratio	2.38
Debt / Equity	5.26
Debt / EBITDA	n/a
Debt / FCF	-1.04
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 139.37 million in taxes.

Income Tax	139.37M
Effective Tax Rate	20.06%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	7.80
200-Day Moving Average	n/a
Relative Strength Index (RSI)	69.92
Average Volume (20 Days)	2,295,052

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 1.00 billion and earned 555.51 million in profits. Earnings per share was 0.26.

Revenue	1.00B
Gross Profit	959.88M
Operating Income	354.48M
Pretax Income	694.89M
Net Income	555.51M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.26

Balance Sheet

The company has 1.57 billion in cash and 9.63 billion in debt, giving a net cash position of -8.06 billion or -3.83 per share.

Cash & Cash Equivalents	1.57B
Total Debt	9.63B
Net Cash	-8.06B
Net Cash Per Share	-3.83
Equity (Book Value)	1.83B
Book Value Per Share	0.87
Working Capital	7.40B

Cash Flow

In the last 12 months, operating cash flow was -9.17 billion and capital expenditures -132.89 million, giving a free cash flow of -9.30 billion.

Operating Cash Flow	-9.17B
Capital Expenditures	-132.89M
Free Cash Flow	-9.30B
FCF Per Share	-4.42

Margins

Gross margin is 95.98%, with operating and profit margins of 35.44% and 55.55%.

Gross Margin	95.98%
Operating Margin	35.44%
Pretax Margin	69.48%
Profit Margin	55.55%
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	6.87%
Buyback Yield	-5,791.65%
Shareholder Yield	-5,791.65%
Earnings Yield	3.11%
FCF Yield	-52.02%

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	2