Valu, Egypt's leading buy-now-pay-later and consumer fintech platform, reported gross revenues of EGP 5.6 billion for the full year ended 2025, a 71% increase on the prior year, marking a landmark set of results for a company that completed its listing on the Egyptian Exchange and is now delivering its first full audited financial statements as a public entity. The scale of the revenue advance underscores the pace at which instalment-based consumer credit has been adopted across the Egyptian market.
Net income rose 81% to EGP 764 million, the company disclosed in its FY2025 earnings release, reflecting strong operating leverage as the platform extended its reach across Egyptian retail and e-commerce. The 81% earnings growth outpacing the 71% revenue increase indicates that Valu has been able to expand margins alongside volumes, a dynamic that typically reflects increasing operational efficiency and a maturing credit portfolio.
GROSS MERCHANDISE VALUE SURPASSES EGP 24 BILLION
Gross merchandise value, the total value of transactions processed through the platform, reached EGP 24.5 billion during the year. That figure spans more than 8,500 partner stores and online platforms operating across Egypt, illustrating the breadth of Valu's merchant network beyond its original retail roots. The diversity of that merchant base — spanning fashion, electronics, home goods, healthcare, and services — provides a degree of revenue resilience against weakness in any single category.
The company has positioned itself at the intersection of credit access and e-commerce infrastructure, offering instalment-based payment products to consumers who may lack access to traditional credit cards or personal loans. For millions of Egyptian consumers, Valu's products represent a first point of contact with formal credit, a role that carries both significant commercial opportunity and meaningful responsibility to assess borrower capacity accurately.
Egypt's broader fintech sector has expanded rapidly in recent years, supported by a Central Bank of Egypt licensing framework that formalised the operations of non-bank lenders and payment service providers. Valu has been among the primary beneficiaries of that regulatory clarity, having operated for several years under a structured approval regime before proceeding with its public market debut on the EGX.
EGX LISTING RAISES DISCLOSURE STANDARD
The EGX listing brings with it a higher degree of financial transparency and market scrutiny than Valu previously faced as a private entity. Quarterly and annual disclosures are now required under exchange rules, giving institutional and retail investors in Egypt direct sight of the platform's loan book quality, funding costs, and operating margins across each reporting period.
The results represent the company's first full-year financial statement since its EGX listing, setting an early public benchmark for investor expectations. Analysts covering the Egyptian fintech space noted ahead of the results that FY2025 would serve as an important test of whether Valu could sustain growth rates achieved during its earlier private phase, when the business was expanding from a smaller base. The 71% top-line increase and 81% net income advance suggest that scale has not yet significantly compressed growth momentum.
Valu did not provide formal numerical guidance for the year ahead in the earnings release, though the company's leadership has previously outlined ambitions to deepen penetration in underserved governorates outside Cairo and Alexandria, and to expand its digital lending products beyond point-of-sale financing into broader consumer credit categories including personal finance and healthcare instalment plans.