Cairo-based fintech leader Valu has announced a robust financial performance for the first nine months of 2025, cementing its position in Egypt’s lifestyle fintech sector. The company reported gross revenues of EGP 4 billion, marking an 84% year-on-year increase, while its net income soared by an impressive 139% to reach approximately EGP 541 million.
Surging Consumer Adoption and Engagement
The company’s growth was underpinned by a significant increase in consumer activity and platform adoption. Total gross merchandise value (GMV) expanded by 56% YoY to EGP 17.32 billion, facilitated by 6.1 million transactions—a 107% jump from the previous year.
This surge in activity translates to a daily GMV average of EGP 64 million and 22.2 thousand daily transactions. Customer engagement has deepened considerably, with each user now completing an average of 13.6 transactions, a 75% increase YoY. This momentum has propelled Valu’s active user base to over 873,000 and secured a market share of 23% as of August 2025.
Strategic Execution and Diversification
Valu’s leadership attributes this sustained growth to a clear strategic focus on innovation, disciplined risk management, and efficient capital allocation. The company’s portfolio continues to expand beyond its core offerings, with strong contributions from products like Prepaid cards, Shift auto financing, and Ulter & Loans for premium purchases. The recent launch of Shop’IT, an embedded e-commerce and affiliate marketing platform, has further broadened its revenue streams.
“We are operating in a framework designed for steady and sustained growth,” said Walid Hassouna, CEO of Valu. “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.”
Notably, the company achieved a record-low non-performing loan (NPL) ratio of 0.92% by the third quarter of 2025, showcasing the resilience of its underwriting and portfolio management practices.
Pivotal Milestones Fueling Future Growth
The year 2025 has been marked by several key strategic milestones that position Valu for its next phase of growth. In June, the company successfully listed on the Egyptian Exchange (EGX).
It also secured a crucial Fintech Operating License from the Financial Regulatory Authority and attracted a direct investment from global e-commerce giant Amazon. Looking beyond its home market, Valu received initial approval from the Central Bank of Jordan to commence operations, signaling the first step in its regional expansion strategy.
About Valu
Valu is a leading Cairo-based fintech company that provides comprehensive and accessible lifestyle-enabling financial solutions in Egypt. Its platform offers a wide range of services, including buy-now-pay-later (BNPL) products, financing for premium purchases, and digital payment solutions, catering to a diverse and growing user base.
Source: Waya
