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 24.45 billion.

Market Cap	24.45B
Enterprise Value	n/a

Important Dates

The last earnings date was Monday, June 1, 2026.

Earnings Date	Jun 1, 2026
Ex-Dividend Date	n/a

Share Statistics

EGX:VALU has 2.11 billion shares outstanding. The number of shares has increased by 8.87% in one year.

Current Share Class	2.11B
Shares Outstanding	2.11B
Shares Change (YoY)	+8.87%
Shares Change (QoQ)	-13.67%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.51%
Float	n/a

Valuation Ratios

The trailing PE ratio is 29.30 and the forward PE ratio is 21.50. EGX:VALU's PEG ratio is 0.40.

PE Ratio	29.30
Forward PE	21.50
PS Ratio	17.03
PB Ratio	9.69
P/TBV Ratio	11.81
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.40

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 1.63, with a Debt / Equity ratio of 5.05.

Current Ratio	1.63
Quick Ratio	1.53
Debt / Equity	5.05
Debt / EBITDA	n/a
Debt / FCF	-1.33
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 40.19% and return on invested capital (ROIC) is 5.29%.

Return on Equity (ROE)	40.19%
Return on Assets (ROA)	5.93%
Return on Invested Capital (ROIC)	5.29%
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	0.10
Inventory Turnover	n/a

Taxes

In the past 12 months, EGX:VALU has paid 277.37 million in taxes.

Income Tax	277.37M
Effective Tax Rate	24.36%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	11.69
200-Day Moving Average	9.74
Relative Strength Index (RSI)	45.37
Average Volume (20 Days)	2,749,141

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 1.44 billion and earned 861.07 million in profits. Earnings per share was 0.40.

Revenue	1.44B
Gross Profit	1.36B
Operating Income	964.93M
Pretax Income	1.14B
Net Income	861.07M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.40

Balance Sheet

The company has 1.71 billion in cash and 12.74 billion in debt, with a net cash position of -11.03 billion or -5.23 per share.

Cash & Cash Equivalents	1.71B
Total Debt	12.74B
Net Cash	-11.03B
Net Cash Per Share	-5.23
Equity (Book Value)	2.52B
Book Value Per Share	1.20
Working Capital	5.94B

Cash Flow

In the last 12 months, operating cash flow was -9.52 billion and capital expenditures -85.30 million, giving a free cash flow of -9.61 billion.

Operating Cash Flow	-9.52B
Capital Expenditures	-85.30M
Depreciation & Amortization	91.34M
Net Borrowing	11.52B
Free Cash Flow	-9.61B
FCF Per Share	-4.56

Margins

Gross margin is 94.76%, with operating and profit margins of 67.20% and 59.97%.

Gross Margin	94.76%
Operating Margin	67.20%
Pretax Margin	79.29%
Profit Margin	59.97%
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	4.43%
Buyback Yield	-8.87%
Shareholder Yield	-8.87%
Earnings Yield	3.52%
FCF Yield	-39.29%

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

Analyst Forecast

The average price target for EGX:VALU is 14.35, which is 23.60% higher than the current price. The consensus rating is "Strong Buy".

Price Target	14.35
Price Target Difference	23.60%
Analyst Consensus	Strong Buy
Analyst Count	2
Revenue Growth Forecast (3Y)	87.86%
EPS Growth Forecast (3Y)	56.50%

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	3