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 20.75 billion.

Market Cap	20.75B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, November 12, 2025.

Earnings Date	Nov 12, 2025
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)	-1.46%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.91%
Float	n/a

Valuation Ratios

The trailing PE ratio is 32.05 and the forward PE ratio is 21.07. EGX:VALU's PEG ratio is 0.41.

PE Ratio	32.05
Forward PE	21.07
PS Ratio	17.21
PB Ratio	11.07
P/TBV Ratio	11.18
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.41

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 3.40, with a Debt / Equity ratio of 5.73.

Current Ratio	3.40
Quick Ratio	3.20
Debt / Equity	5.73
Debt / EBITDA	n/a
Debt / FCF	-1.32
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 157.02 million in taxes.

Income Tax	157.02M
Effective Tax Rate	19.52%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	8.36
200-Day Moving Average	n/a
Relative Strength Index (RSI)	71.92
Average Volume (20 Days)	1,405,122

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 1.21 billion and earned 647.27 million in profits. Earnings per share was 0.31.

Revenue	1.21B
Gross Profit	1.16B
Operating Income	476.91M
Pretax Income	804.29M
Net Income	647.27M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.31

Balance Sheet

The company has 2.05 billion in cash and 10.73 billion in debt, giving a net cash position of -8.69 billion or -4.12 per share.

Cash & Cash Equivalents	2.05B
Total Debt	10.73B
Net Cash	-8.69B
Net Cash Per Share	-4.12
Equity (Book Value)	1.87B
Book Value Per Share	0.89
Working Capital	9.16B

Cash Flow

In the last 12 months, operating cash flow was -8.06 billion and capital expenditures -92.85 million, giving a free cash flow of -8.15 billion.

Operating Cash Flow	-8.06B
Capital Expenditures	-92.85M
Free Cash Flow	-8.15B
FCF Per Share	-3.87

Margins

Gross margin is 95.97%, with operating and profit margins of 39.56% and 53.69%.

Gross Margin	95.97%
Operating Margin	39.56%
Pretax Margin	66.71%
Profit Margin	53.69%
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	5.89%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	3.12%
FCF Yield	-39.30%

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