• Valu’s gross revenues surged 84% YoY to EGP 4B, while net income jumped 139% to EGP 541M.
• Gross merchandise value reached EGP 17.32B with 6.1M transactions, highlighting growing consumer adoption.
• New products and digital onboarding enhancements fuel ecosystem expansion and market share growth to 23%.

Valu

Cairo-based Valu, Egypt’s leading fintech, delivered a strong performance in the first nine months of 2025. The company reported gross revenues of EGP 4 billion, up 84% YoY, while net income soared 139% to around EGP 541 million.

Valu’s total gross merchandise value (GMV) expanded 56% YoY to EGP 17.32 billion, driven by 6.1 million transactions, a 107% increase compared to last year. Daily GMV averaged EGP 64 million, while daily transactions climbed to 22.2 thousand. Each customer now completes roughly 13.6 transactions, up 75% YoY, showing deeper engagement with the platform.

“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,” said Walid Hassouna, CEO of Valu.

Milestones

Valu’s product portfolio continues to diversify from Prepaid cards, Shift auto financing, and Ulter & Loans for premium purchases. These all contributed strongly, while the newly launched Shop’IT embedded e-commerce and affiliate marketing platform broadened revenue streams. Furthermore, digital onboarding improvements sped up credit approvals and made Valu more integral to everyday spending.

The company also posted a record-low non-performing loan (NPL) ratio of 0.92% by Q3 2025, reflecting strong underwriting and portfolio resilience. Its active user base surpassed 873 thousand, with a market share of 23% in August.

Strategically, 2025 marked key milestones for Valu. In June of this year, the company   listed on the Egyptian Exchange. In addition, it secured a Fintech Operating License from the Financial Regulatory Authority, and attracted a direct investment from Amazon. It also received initial approval from the Central Bank of Jordan to begin regional operations, signaling the start of its expansion outside Egypt.

With strong revenue growth, expanding product offerings, and disciplined risk practices, Valu is cementing its leadership in Egypt’s lifestyle fintech sector while setting the stage for regional growth.