Fawry For Banking Technology And Electronic Payment · EGX:FWRY

Fawry For Banking Technology And Electronic Payment — Q4 2025 Earnings Presentation

27 slides from Fawry For Banking Technology And Electronic Payment's earnings presentation, Mar 16, 2026

  1. Slide 1: 4Q 2025 Earnings Call

    4Q 2025 Earnings Call March 16,2026 1

  2. Slide 2: Disclaimer

    Disclaimer The information contained in this document is proprietary and confidential to Fawry For Banking Technology And Electronic Payment S.A.E (“Fawry”). You must only use such information for the purposes of discussions with Fawry and you must hold such information in strict confidence and not

  3. Slide 3: Agenda

    AGENDA 4Q 2025 Financial results 01 Dive into 4Q 2025 Payments business figures 02 Dive into 4Q 2025 Financial services figures 03 Digital growth 04 2026 Guidance 05 3

  4. Slide 4: 4Q 2025 Financial Results Highlights

    4Q 2025 Financial Results Highlights 4

  5. Slide 5: Financial KPIs

    Financial KPIs • Revenue growth came at 56% y-o-y in 4Q25 56% • In 4Q25, Agent Banking revenue grew 113% year-on-year, driven by seasonal Y-o-Y revenue growth promotional campaigns that generated EGP 287 mn during the quarter for 4Q25 • Acceptance business throughput reached EGP 80.5 billion in 4Q25

  6. Slide 6: Quarterly throughput reached EGP 305 billion, up 67% y-o-y

    Quarterly throughput reached EGP 305 billion, up 67% y-o-y, with revenue EGP 2.6 billion, 56% up vs. last year Throughput (EGP bn) Quarterly revenue (EGP mn) +67% + +56% + +74% + 305 +74% + 2,592 1,665 183 105 955 4Q23 4Q24 4Q25 4Q23 4Q24 4Q25 6

  7. Slide 7: Financial Services segment and Agent Banking continue to lead y-o-y revenue growth

    Financial Services segment and Agent Banking continue to lead the y-o- y revenue growth Revenue contribution by quarter Contribution to y-o-y growth for 4Q 2025 1% 6% 1% 3% 2% 3% 6% 7% 6% 5% 9% 13% 15% 22% 6% 3% 18% 28% 5% 9% 20% 21% 11% 19% 16% 25% 20% 25% 56% 19% 44% 39% 35% 38% 28% 19% 4Q 2021 4Q

  8. Slide 8: Continuous upselling drove gross profit margins up 4.3% vs. last year

    Continuous upselling drove gross profit margins up 4.3% vs. last year Gross profit (EGP mn) Gross profit margin (%) +66% + +4.3% + 1,791 69% +76% + +0.7% + 1,080 65% 64% 613 4Q23 4Q24 4Q25 4Q23 4Q24 4Q25 8

  9. Slide 9: …leading to improvement in EBITDA margins

    …leading to improvement in EBITDA margins EBITDA (EGP mn) EBITDA margin (%) +74% + +6.1% + +113% + 1,508 +9.5% + 58% 52% 43% 868 407 4Q23 4Q24 4Q25 4Q23 4Q24 4Q25 9

  10. Slide 10: Net income reached EGP 854 Mn, up 71% y-o-y

    Net income reached EGP 854 Mn , up 71% y-o-y, with Net income margin reaching 32.9% Net income (EGP mn) Net income margin (%) +71% + +2.9% + +119% + 854 +6.1% + 32.9% 30.0% 24.0% 500 229 4Q23 4Q24 4Q25 4Q23 4Q24 4Q25 10

  11. Slide 11: Dive into 4Q 2025 payments business figures

    Dive into 4Q 2025 payments business figures 11

  12. Slide 12: Operational KPIs achieved healthy growth, with customers reaching 54.8mn

    Operational KPIs achieved healthy growth, with customers reaching 54.8mn Number of Services Total POS +1% Average Revenue Total Transactions Average Transaction +22% (000s) per Trx +28% +9% (mn) Value +53% 4,530 (EGP) 377 3.4 527 578 3,708 2.6 379 372 483 4Q 2024 4Q 2025 4Q 2024 4Q 2025 4Q 2024 4Q 2

  13. Slide 13: ADP continue to grow

    ADP continue to grow ADP Throughput ADP Revenue (EGP mn) Contribution to ADP y-o-y revenue growth +10% +7% 15% 493 39% 42% 461 9% 4Q 2024 4Q 2025 4Q 2024 4Q 2025 Telecom ADSL Utilities Others 13

  14. Slide 14: Acceptance and Agent Banking continue to surpass guidance

    Acceptance and Agent Banking continue to surpass guidance Acceptance Revenue Agent Banking Revenue (EGP mn) (EGP mn) +113% +20% 490 661 310 408 4Q 2024 4Q 2025 4Q 2024 4Q 2025 In 4Q 2025, Fawry recorded EGP 287mn in revenue from seasonal promotional campaigns in the Wallets segment, impacting 14 Age

  15. Slide 15: Acceptance business continued strong trajectory

    Acceptance business continued strong trajectory with Instore and online acceptance growing at high double digits Revenue from instore Acceptance enabled POS Revenue from Online acceptance (000s) acceptance +26% +5% +17% 354 335 4Q 2024 4Q 2025 4Q 2024 4Q 2025 4Q 2024 4Q 2025 15

  16. Slide 16: Supply Chain revenue grew on the back of increased adoption

    Supply Chain revenue grew on the back of increased adoption Supply Chain Throughput Supply Chain Revenue (EGP mn) +48% +41% 139 94 4Q 2024 4Q 2025 4Q 2024 4Q 2025 16

  17. Slide 17: Dive into 4Q 2025 financial services figures

    Dive into 4Q 2025 financial services figures 17

  18. Slide 18: MSME lending continued strong performance

    MSME lending continued strong performance • The company has onboarded 120k merchants to its BNPL MSME Finance Loan MSME Finance Revenue for Business (Al-Nota), with credit limits exceeding EGP 1 Portfolio (EGP bn) (EGP mn) billion. • Number of MSME loans granted in 4Q25 reached 29.3k, +34% +29% down

  19. Slide 19: Other financial services continued to grow

    Other financial services continued to grow, fueled by momentum in BNPL, Prepaid Card and Insurance Brokerage Other Financial Services revenue (EGP mn) • Consumer finance (BNPL) gross loan portfolio exceeded EGP 2.88 bn by end of 4Q25, up from EGP 1.02 bn at end of 4Q24. 436 • Total spend for the qua

  20. Slide 20: Digital growth

    Digital growth 20

  21. Slide 21: Double digits growth on annualized throughput; downloads exceeding 24 million

    Double digits growth achieved on annualized throughput with total cumulative downloads exceeding 24 million 40.2 EGP Bn Annualized December 2025 24.2 c. Downloads since Mn 2.7 EGP Mn Prepaid Cards Issued as myFawry app throughput June 2019 of December 2025 Up 50.2% y-o-y Up 39% y-o-y Up 172% y-o-y W

  22. Slide 22: Growth in digital transactions led by mobile wallets

    Growth in digital transactions was led by mobile wallets, boosting technology-related revenues Mobile Wallet 1 Mobile Wallet1 Total Digital 2 Total Transactions Transactions +63% Processed value + Transactions +57% +9% (mn) (mn) 81% (EGP bn) (mn) 274 527 120 294 174 74 162 483 4Q 2024 4Q 2025 4Q 202

  23. Slide 23: FY 2026 Guidance

    FY 2026 Guidance 23

  24. Slide 24: Revenue growth guidance by offering

    Revenue growth guidance by offering… Revenue growth by offering (y-o-y) 138% 135% 96% 93% 71% 70% 53% 55% 52% 51% 45% 49% 43% 35% 38% 18% 16% 8% 2024 2025 2026P ADP Acceptance Agent Banking NBFI services Supply Chain Solutions Technology & others 24

  25. Slide 25: Driving diversification further and growing more into financial services

    Driving diversification further and growing more into financial services 3% 2% 3% 3% 7% 6% 6% 6% 13% 18% 28% 34% 20% 20% 20% 19% 17% 22% 21% 23% 39% 31% 23% 18% 2023 2024 2025 2026P ADP Acceptance Agent Banking NBFI services Supply Chain Solutions Technology & others 25

  26. Slide 26: Company to keep margins relatively stable with revenue growth at 39%

    Company to keep margins relatively stable with revenue growth at 39% Revenue y-o-y growth EBITDA margin 68% 57% 57% 58% 50% 44% 39% 40% 2023 2024 2025 2026P 2023 2024 2025 2026P ESOP expense in EGP mn Capex to sales 106 22% 22% 81 18% 16% 40 10 2023 2024 2025 2026P 2023 2024 2025 2026P 26

  27. Slide 27: Q&A

    Q&A 27

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