Valu, Egypt’s leading universal financial technology powerhouse, announced today its nine-month performance for 2025, reflecting steady, disciplined growth. The company reported remarkable gross revenues of EGP 4 billion for the first nine months, up 84% Year-over-Year (Y-o-Y), while net income reached approximately EGP 541 million, up 139% from the prior year. Gross merchandise value (GMV) expanded 56% Y-o-Y to roughly EGP 17.32 billion, and total transactions increased 107% to about 6.1 million. Valu’s user base grew to more than 873 thousand active users, with an August 2025 market share of 23% and a record-low Non-Performing Loan (NPL) ratio of 0.92% as of the third quarter, highlighting the strength and resilience of its portfolio.
Operationally, daily GMV averaged EGP 64 million in the first nine months, representing a 57% Y-o-Y increase, while average daily transactions rose to 22.2 thousand, up 107% Y-o-Y. Transactions per customer climbed by about 75% to 13.6 from 7.9 Y-o-Y, reflecting a growing reliance on Valu as a lifestyle-enabling payment method across all ticket sizes. Valu attributes this momentum to its disciplined risk framework, strong underwriting practices, and a diversified product portfolio that continues to deepen market penetration.
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Valu’s product ecosystem continued to scale, with notable contributions from the Prepaid Card, Shift auto financing, and Ulter & Loans for premium and luxury purchases. The Shop’IT embedded e-commerce and affiliate marketing product was launched in the third quarter to broaden revenue streams and enhance the customer experience by transforming the Valu app into a more comprehensive platform for lending and non-lending offerings. Digital onboarding enhancements were introduced to support faster credit approvals and a tighter integration of Valu into everyday consumer spending.
Walid Hassouna, CEO of Valu, commented: “We are operating in a framework designed for steady and sustained growth. Our progress in the first nine months of 2025 reinforces Valu’s position as a leader in Egypt’s lifestyle-fintech space, driven by a balanced mix of product innovation, risk discipline, and prudent capital management. We will continue to execute against our strategic priorities—strengthening our ecosystem, expanding our reach, and delivering sustainable value for our customers, partners, and shareholders”.
The company’s product and service mix remains diversified, supporting a healthy balance between interest-bearing and non-interest-bearing transactions. This balance, along with ongoing cost efficiency measures and a diversified funding base, underpins Valu’s ability to pursue growth at scale while managing risk effectively. The governance and risk management framework continues to support sustainable, profitable expansion across Egypt’s consumer lifestyle market.
Earlier this year, the company achieved several critical strategic milestones. In March, Valu received approval for its Fintech Operating License from the Financial Regulatory Authority, enabling a fully digital onboarding process. In June, Valu successfully listed on the Egyptian Exchange (EGX), becoming a publicly traded company that solidifies its growth and reflects its impact on the broader economy. Following this, Valu announced that Amazon had exercised its option to acquire a direct stake in the company, further demonstrating Valu’s resilience and adaptability in its business model. In July, Valu secured initial approval from the Central Bank of Jordan to commence operations, marking the start of its regional expansion.
Valu remains focused on executing its growth strategy with a long-term perspective. The leadership team continues to expand merchant networks, advance product innovation, and maintain disciplined risk controls to sustain profitability as the business scales.
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