Raya Holding For Financial Investments Sae · EGX:RAYA
Raya Holding For Financial Investments Sae — Raya Holding for Financial Investments — Investor Presentation (2025)
48 slides from Raya Holding For Financial Investments Sae's investor presentation, 2025
Slide 1: Raya Holding for Financial Investments Investor Presentation FY2025
RAYA HOLDING FOR FINANCIAL INVESTMENTS INVESTOR PRESENTATION FY2025 Raya Holding for Financial Investments 1
Slide 2: Disclaimer & Forward-Looking Statements
DISCLAIMER & FORWARD-LOOKING STATEMENTS This document has been prepared by Raya Holding for Financial Investments S.A.E. (“Raya” or the “Company”) solely for presentation purposes. It must be treated confidentially by attendees and should not be reproduced, redistributed or passed to any other perso
Slide 3: Raya Holding Overview
RAYA HOLDING OVERVIEW
Slide 4: Raya Holding at Glance
RAYA HOLDING AT GLANCE • Raya Holding is an investment holding company headquartered in Cairo, Egypt, managing a diversified investment portfolio of companies. • Raya Holding operates through a diversified portfolio of 10 companies, strategically positioned across high-growth sectors of the regional
Slide 5: Corporate Governance Framework - Board of Directors
CORPORATE GOVERNANCE FRAMEWORK- BOARD OF DIRECTORS MEDHAT KHALIL AHMED KHALIL YASSER HASHEM MOSTAFA MOBARAK ASHRAF KHEIR EL DIN SHERIF KAMEL MALEK SULTAN CHAIRMAN EXECUTIVE BOARD NON-EXECUTIVE BOARD INDEPENDENT BOARD NON-EXECUTIVE BOARD NON-EXECUTIVE BOARD NON-EXECUTIVE BOARD RAYA HOLDING MEMBER MEM
Slide 6: Strong Corporate Governance Framework
STRONG CORPORATE GOVERNANCE FRAMEWORK Encompassing the integrity of the Company's financial statements and all AUDIT COMMITTEE formal disclosures related to financial performance prior to Board submission. Setting the Company’s remuneration framework for executive directors, NOMINATION & REMUNERATIO
Slide 7: Stock Overview
STOCK OVERVIEW OWNERSHIP STRUCTURE SHARE INFORMATION (As of December 31st 2025) Free Float, Taweel 13.73% EGP 3.46 STOCK PRICE Family, 6.72% NUMBER OF 4.28 BN SHARES EGP 14.8 BN MARKET CAP Ashraf KheirEldin, Khalil Family, 10.82% 56.50% AVERAGE DAILY 95M TURNOVER Naif Al-Rajhy, 12.07% RAYA Close Pri
Slide 8: Income Statement Summary FY25
Raya Holding INCOME Group Overview STATEMENT SUMMARY | FY 2025 All Figures are EGP Mn FY2024 FY2025 YoY % change Revenue 45,119 63,829 41.5% Gross Profit 9,419 13,691 45.3% Gross Profit Margin 20.9% 21.4% 0.6%pts EBITDA 4,856 7,791 60.4% EBITDA Margin 10.8% 12.2% 1.4%pts Net Income (Loss) before Min
Slide 9: Balance Sheet Summary FY2025
Raya Holding BALANCE SHEETGroup Overview SUMMARY | FY 2025 All Figures are EGP Mn 31-Dec-24 31-Dec-25 Total Non-current Assets 5,185 6,259 Cash 4,012 4,387 Total Current Assets 33,927 44,428 Total Assets 39,112 50,688 STL 2,056 3,724 Credit Facilities 10,494 14,374 Total Current Liabilities 30,690 3
Slide 10: Financial Performance Overview | Consolidated | FY 2025
FINANCIAL FINANCIAL PERFORMANCE OVERVIEW| CONSOLIDATED | FY 2025 PERFORMANCE OVERVIEW Electric, 1.4% FMCG, 2.0% Restaurants, Auto, 2.8% RSB, 1.1% Restaurants, 0.5% 1.1% Foods, 3.5% Ostool, 2.0% Electric, 0.5% RSB, 0.4% Auto, 3.0% FMCG, 3.5% Ostool, 3.9% Foods, 5.3% RCX, 4.4% Aman, 29.4% Trade, RCX,
Slide 11: Financial Performance Overview FY 2025
Raya Holding FINANCIAL Group Overview PERFORMANCE OVERVIEW | FY 2025 REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 41.5% YoY Growth: 45.3% 63,829 13,691 45,119 9,419 FY2024 FY2025 FY2024 FY2025 EBITDA (EGP MN) NET PROFIT AFTER MINORITY (EGP MN) YoY Growth: 60.4% YoY Growth: 53.3% 7,791 2,588 4,
Slide 12: Group Overview
GROUP OVERVIEW
Slide 13: Portfolio Overview: Industry, Revenues, Gross Profit, EBITDA
Leading system integrator Market leader of consumer World-class Business established in 1998 with a Leading integrated fintech electronics in Egypt since Process Outsourcing (BPO) vision to lead the company providing e- OVERVIEW 1998, operates in information tech market payment, microfinance & and C
Slide 14: Portfolio Overview: Industry, Revenues, Gross Profit, EBITDA
Develops elegant smart Leading manufacturer & Assembly and Frozen fruits and vegetables commercial & office distributor of food products Operations of international producer, covering the basic complexes, in partnership OVERVIEW in the market, as well as day-to- day product range modern vehicles bra
Slide 15: Portfolio Overview: Industry, Revenues, Gross Profit, EBITDA
Established in 2013 with the aim to Leading provider of supply chain build internationally competitive management services w/ a special Home appliances giant focused on OVERVIEW restaurant chains that will be air conditioners. focus on trucking & logistics franchised both regionally and services, st
Slide 16: Top Electronics Distributors in Egypt
TOP 5 ELECTRONICS DISTRIBUTORS IN EGYPT 8.5K RETAILERS 10 BUSINESS UNITS 14K+ DEALERS 4 OPERATING COUNTRIES REVENUE BREAKDOWN | BY SUB COMPANIES 60 RETAIL OUTLETS 50 Raya Retail Mazaya Smart Care Ezee 10 Branded Retail 5% 2% 4% 120+ FRANCHISES 15 DISTRIBUTION CENTERS 1.3K+ Nigeria 22% Distribution 4
Slide 17: Mobile & IT – Distribution Arm
▪ Offering a comprehensive portfolio of consumer electronics, home appliances and white ▪ Serving 34 global brands across mobile, IT, and consumer electronics, with an extensive goods from leading international brands, complemented by a wide range of repair and network of over 70 service points, in
Slide 18: Digital Platforms | One-Stop Shop
DIGITAL PLATFORMS | ONE-STOP SHOP ▪ Mazaya is Egypt’s first B2B e-commerce marketplace ▪ Nigeria’s first B2B e-commerce marketplace focused on focused on electronics, supporting merchants and electronics. retailers in sourcing inventory across multiple product ▪ offering a fully digitalized retail o
Slide 19: Raya Trade Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 21.0% 2,299 YoY Growth: 31.1% 23,823 1,899 18,176 2024 2025 2024 2025 EBITDA (EGP MN) REVENUE BREAKDOWN | BY PRODUCT YoY Growth: 24.0% 1,312 other, 9.9% Mazaya, 5.2% 1,058 Mobile Devision, Consumer 31.1% Electronics, 10.9
Slide 20: Services Offered
+1,000 25+ ENTERPRISE CUSTOMERS YEARS INDUSTRY EXPERIENCE ACROSS MEA ONLY FULL-FLEDGED INFORMATION 11,000 TECHNOLOGY SOLUTION PROVIDER ACROSS MEA PROJECTS 3 COUNTRIES 4 DCS / 1,800 SQM DATA CENTER FACILITIES ACROSS GREATER CAIRO +15 +1,180 DEDICATED EMPLOYEES DIVERSE INDUSTRIES +950 QUALIFIED TECHNI
Slide 21: The Only Local Provider with Offerings Across the Entire IT Value Chain
THE ONLY LOCAL PROVIDER WITH OFFERINGS ACROSS THE ENTIRE IT VALUE CHAIN KSA INFRASTRUCTURE ATMs & SELF-CARE SOFTWARE INTEGRATION DATA CENTERS CLOUD ERP ORACLE MAINTENANCE
Slide 22: Comprehensive and Synergetic Range of ICT Services
OFFERING COMPREHENSIVE AND SYNERGETIC RANGE OF ICT SERVICES 75% 3% 19% 3% INTEGRATED SOLUTIONS BUSINESS APPLICATION SERVICES DATA CENTER INFRASTRUCTURE DATA CENTER (“DC”) SERVICES Telco Solutions ERP Implementation DC Site Preparation Tier3+ Data Center Network & Cyber Basic Infrastructure Technolog
Slide 23: Providing a Wide Range of Services Tailored to Each Industry Served
PROVIDING A WIDE RANGE OF SERVICES TAILORED TO EACH INDUSTRY SERVED #1 Revenue Contribution Revenue Contribution SYSTEM INTEGRATOR 15% 52% FINANCIAL SERVICES TELECOM Key Raya IT Differentiators 35% Key Raya IT Differentiators ✓ Preferred IT partner to leading telecom operators in ✓ #1 system integra
Slide 24: Raya IT Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 70.3% 18,410 YoY Growth: 96.2% 3,984 10,813 2,031 2024 2025 2024 2025 EBITDA (EGP MN) REVENUE BREAKDOWN | COMPANY (EGP MN) Raya International YoY Growth: 115.8% Data Center, 2.7% 3,110 Services, 4.0% Raya Network Services
Slide 25: A Fintech Company with Licenses
A FINTECH COMPANY WITH 6 LICENSES [ISLAMIC, MF, CF, NANO, SME, AND MMF] 250+ BRANCHES ACROSS 23 GOVERNORATES CONSUMER FINANCE BUSINESS FINANCE ELECTRONIC PAYMENTS SECURITIZATION Most Diversified Fintech Super App ▪ Providing purchase-over- ▪ Advancing financial ▪ Providing a convenient ▪ Offering lo
Slide 26: Business Finance | FY 2025 Loan Portfolio
BUSINESS FINANCE | FY 2025 LOAN PORTFOLIO BUSINESS MICRO FINANCE NANO VSE FINANCE ISLAMIC Market Share FINANCE 9.73% MONEY SMEs MARKET LIGHT 5.2 BN 200 MN 8.8K – 13:15 13:00 Lorem ipsum VEHICLE 545 MN TOTAL LOAN Market Share TOTAL LOAN FUND TOTAL LOAN TOTAL LOAN PORTFOLIO 14.77% PORTFOLIO MMF PORTFO
Slide 27: Aman Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 58.3% YoY Growth: 49.0% 4,019 9,553 6,410 2,538 2024 2025 2024 2025 EBITDA (EGP MN) GROSS TRANSACTION VALUE [GTV] EGP MN YoY Growth: 83.0% 1,491 YoY Growth: 47.6% 103,859 70,391 814 27 2024 2025 2024 2025
Slide 28: A Leading Egyptian Business Process Outsourcing Company
2001 A LEADING EGYPTIAN BUSINESS PROCESS OUTSOURICING COMPANY [BPO] ESTABLISHMENT YEAR 4 9.2K BUSINESS PROCESS HR CONTINENTS SEAT CAPACITY OUTSOURCING SOURCING HOSTING BUSINESS 6 81% COUNTRIES UTILIZATION RATE CLIENT PORTFOLIO 15 7K+ LANGUAGES AGENTS 14 70% DELIVERY SITES REVENUES - USD 15-YEAR CERT
Slide 29: Stock Overview
STOCK OVERVIEW OWNERSHIP STRUCTURE SHARE INFORMATION (As of December 31st 2025) ESOP, 5.20% Treasury Shares, 2.90% EGP 8.39 STOCK PRICE NUMBER OF Raya Holding 205 M Free Float, SHARES EGP 1.7 BN MARKET CAP 32% for Financial Investments, 59.90% AVERAGE DAILY 13M TURNOVER RACC Close Price EGX30 Close
Slide 30: Revenue Mix by Region, Currency and Service
Raya Holding Group Overview EU, 1.60% GCC, 16.90% USD, 31.40% REVENUE REVENUE ] MIX MIX BY REGION BY CURRENCY EGP, 68.60% Egypt, 81.40% Insourcing, 19.26% REVENUE MIX Outsourcing, BY SERVICE 53.71% Hosting, 27.03% 30
Slide 31: Raya Customer Experience Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 9.5% 1,274 YoY Growth: 12.6% 2,839 2,521 1,164 2024 2025 2024 2025 EBITDA (EGP MN) NET PROFIT BEFORE MINORITY (EGP MN) YoY Growth: 16.8% 742 340 635 324 2024 2025 31 2024 2025
Slide 32: Raya Auto Overview
Raya Holding Group Overview 2018 ESTABLISHMENT YEAR EV PASSENGER ▪ 8.5K sqm manufacturing facility for assembly of two-, Raya Auto has made history as the first to introduce XPENG, a leading three-, and four-wheel vehicles Chinese EV manufacturer, to the Middle East and Africa. By following European
Slide 33: Raya Auto Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 30.9% YoY Growth: 42.0% 1,791 413 1,368 291 2024 2025 2024 2025 EBITDA (EGP MN) REVENUE BREAKDOWN | SERVICE (EGP MN) YoY Growth: 32.7% After Market, After Sales, 3.1% 238 9.2% 179 Commercial Vehicle, 11.9% EV, 75.9% 2024
Slide 34: High-Quality Frozen Vegetables and Fruits
2016 2018 ESTABLISHMENT ESTABLISHMENT YEAR YEAR 2016 ESTABLISHMENT YEAR HIGH-QUALITY FROZEN VEGETABLES AND FRUITS USING ADVANCED PROCESSING TECHNOLOGIES SERVICES PROVIDED 35K ANNUAL TONS PRODUCTION CAPACITY 8K FINISHED GOODS 20K SQM STORAGE CAPACITY PLANT AREA REVENUE BREAKDOWN | BY Product 50+ Molo
Slide 35: Raya Foods Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 34.0% 2,204 YoY Growth: 2.4% 720 1,645 703 2024 2025 2024 2025 EBITDA (EGP MN) REVENUE BREAKDOWN | (EGP MN) YoY Growth: 2.8% 413 Other, 8.7% Molokhia, 1.2% Broccoli, 1.5% Okra, 2.2% Cut Green Beans, 3.5% 402 Starwberry, 9
Slide 36: Sustainable, World-Class Manufacturing-as-a-Service
SUSTAINABLE, WORLD-CLASS MANUFACTURING-AS-A-SERVICE (MAAS) SOFTWARE-DEFINED AUTOMATION AC MANUFACTURING [SDA] MANUFACTURING 300K ANNUAL UNITS AC ORIGINAL EQUIPMENT PRODUCTION CAPACITY MANUFACTURING [OEM] 1.5M 2026 |PRODUCTION CAPACITY AC ORIGINAL DESIGN 2026 PIPELINE MANUFACTURING [ODM] In-house Man
Slide 37: Raya Electric Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 241.4% YoY Growth: 141.0% 885 70 29 259 2024 2025 2024 2025 EBITDA (EGP MN) YoY Growth: 357.4% 21 5 37 2024 2025
Slide 38: Food & Beverage, Other Industries
2017 ESTABLISHMENT YEAR SERVICES PROVIDED SALES & DISTRIBUTION FOOD & BEVERAGE 14+ MERCHANDISING GOVERNORATES END-TO-END LOGISTICS 168 TRUCKS EXPORTS OTHER INDUSTRIES 70K+ POINT OF SALES [POS] MARKETING & POSM CUSTOMER SERVICES 38
Slide 39: Ostool Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 5.3% YoY Growth: 20.3% 2,264 269 223 2,150 2024 2025 2024 2025 EBITDA (EGP MN) REVENUE BREAKDOWN | (EGP MN) YoY Growth: 23.8% 98 MT, 15% 79 HORECA, 20% Retail, 40% 39 WHS, 15% 2024 2025 Pharma, 10%
Slide 40: Raya Restaurants Overview
Established 1 in 2013 Diversified portfolio of cuisines 2 | European, Australian, and Lebanese Boasts four restaurant chains 3 13 4 OUTLETS 500K+ Customers Served 5 6 Quality index ≥ 85% HACCP Certification 7 40
Slide 41: Raya Restaurants Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 46.4% YoY Growth: 43.1% 157 293 204 107 2024 2025 2024 2025 EBITDA (EGP MN) REVENUE BREAKDOWN | (EGP MN) YoY Growth: 124.8% 22 LORIS, 4.7% Pastry & Bakery, The Lebanese 1.2% Bakery, 6.4% 10 Ovio Brand, 87.7% 41 2024 2025
Slide 42: Raya Smart Buildings Overview
YEAR OF ESTABLISHMENT 01 2008 Providing an exceptional business environment to their corporate OVERVIEW 02 tenants as well as providing unique and pleasurable experiences West Cairo (Sheikh Zayed & 6th of October) LOCATIONS 03 Expansion in New Administrative Capital NUMBER OF TENANTS 04 86 TENANTS R
Slide 43: Built-Up Area, Leasable Area, Occupancy and Locations
BUILT-UP AREA (BUA) 70K SqM ~7k SqM 2.76K SqM | Sheikh Zayed 1.8K SqM | New Administrative Capital GROSS LEASABLE AREA (GLA) 43K 950 SqM | KOV Mall – New Cairo 1.4K SqM | Bank Misr Innovation Hub 100%| Sheikh Zayed OCCUPANCY RATES 99% 2026 Launches | New Cairo & Administrative capital Sheikh Zayed |
Slide 44: Raya Smart Buildings Financial Performance
Raya Holding Group Overview REVENUE (EGP MN) GROSS PROFIT (EGP MN) YoY Growth: 39.3% YoY Growth: 63.0% 256 153 184 94 2024 2025 2024 2025 EBITDA (EGP MN) REVENUE BREAKDOWN | (EGP MN) YoY Growth: 74.5% Leasing Services, Parking, 5.5% 144 6.1% edge, 9.1% 83 Retail, 10.5% Offices, 57.2% F&B, 11.6% 44 2
Slide 45: Raya Holding Income Statement | Consolidated
RAYA HOLDING INCOME STATEMENT | CONSOLIDATED All Figures are EGP Mn 4Q2024 4Q2025 FY2024 FY2025 Revenue 12,847 18,327 45,119 63,829 COGS (10,237) (14,268) (35,700) (50,139) Gross Profit 2,610 4,060 9,419 13,691 General & Administrative Exp. (1,200) (1,285) (3,662) (4,662) Selling & Marketing Exp. (4
Slide 46: Raya Holding Balance Sheet | Consolidated
RAYA HOLDING BALANCE SHEET | CONSOLIDATED All Figures are EGP Mn 31-Dec-24 31-Dec-25 Assets Inventory 4,427 6,149 Work in Progress 1,348 1,320 Accounts And Notes Receivable 14,601 21,553 Short-term Investments through profit and loss 8 0.2 Prepayments And Other Debit Balances 9,524 10,999 Share Base
Slide 47: Raya Holding Balance Sheet | Consolidated
RAYA HOLDING BALANCE SHEET | CONSOLIDATED Liabilities Provisions 191 268 Accounts And Notes Payable 9,095 11,816 Short-term loans 791 2,172 Current Portion of long-term loans 1,265 1,552 Current Portion of Long Term Labilities-Right of Use 103 64 Income Taxes 34 544 Bank Overdraft 9,330 12,999 Accru
Slide 48: Thank You
THANK YOU Raya Holding for Financial Investments 48
Raya Holding for Financial Investments — Investor Presentation (2025) on 6ix