E-finance For Digital And Financial Investments S.a.e. · EGX:EFIH
E-finance For Digital And Financial Investments S.a.e — Q1 2025 Earnings Presentation
26 slides from E-finance For Digital And Financial Investments S.a.e's earnings presentation, 2025
Slide 1: Earnings Presentation 1Q2025
Earnings Presentation 1Q2025 E-Finance // Investor Presentation 1
Slide 2: Agenda
I e-finance Overview Agenda II Our Subsidiaries III Appendix E-Finance // Investor Presentation 2
Slide 3: Overview
Overview
Slide 4: Group Overview
Group Overview Group Synopsis 1Q2025 Financial Highlights e-finance Investment Group is Egypt’s leading Consolidated Revenues technology focused investment management 25.44% 25.75% firm. From its beginnings as the country’s first EGP 1,619.1 million fintech platform in 2005, e-finance has grown to
Slide 5: A Comprehensive Service Offering Through a Portfolio of Leading Subsidiaries
A Comprehensive Service Offering Through a Portfolio of Leading Subsidiaries The Group commands a diversified portfolio of subsidiaries and investments offering a vast array of complementary digital services to partners and customers e-finance Digital Operations eNovate eKhales 99% 89% 70% Ownership
Slide 6: An Exciting Network of Associate Companies
An Exciting Network of Associate Companies e-finance deploys a network of six associate companies active in sectors across the Egyptian economy, including in revolutionizing the country’s tax system and digitizing national health insurance infrastructures in line with efforts to achieve universal co
Slide 7: Our Revenue Generation Model
Our Revenue Generation Model A wide array of revenue generating services Build & Operate Revenue e-finance provides develops and manages automated solutions for clients under contract Transaction (Variable & Fixed TRX)* Payment processing activities split into variable-fee transactions (take rate/th
Slide 8: Leveraging our Expansive Reach and Strategic Partnerships
Leveraging our Expansive Reach and Strategic Partnerships Four Transaction Revenue Generating Channels Financial Institutions Network POS Network Payment Service Partners Commercial Banks Bank Branches (PSPs) POSs (Held By PSPs) 39 >8k 21 634k Post Offices Government POSs >4k >20k Corporate Payment
Slide 9: Consolidated Financial Performance in 1Q2025
Consolidated Financial Performance in 1Q2025 Revenue Gross Profit, Margin Key Highlights (EGP mn) (EGP mn, %) 38% Gross Profit Margin The Group’s consolidated revenues stood at EGP 1,619.1 2021 – 2024 million in 1Q2025, a 40.9% y-o-y increase driven by CAGR 54% 54% 55% 56% 52% 350 0 broad-based grow
Slide 10: Cost Base Analysis
Cost Base Analysis Key Highlights Selling, General, and administrative (SG&A) Nonetheless, selling and marketing expenses shrank Cost of sales increased by 37.8% y-o-y driven by expenses rose by 14.0% y-o-y to EGP 154.0 million by 13.7% y-o-y to EGP 11.3 million in 1Q2025, rising inflationary pressu
Slide 11: Our Subsidiaries
Our Subsidiaries E-Finance // Investor Presentation 11
Slide 12: e-finance for Digital Operations
e-finance for Digital Operations e-finance for Digital Operations (e-finance’s largest subsidiary) provides the Group with a unique position and infrastructure to capitalize on Egypt’s robustly growing digital transformation drive, building and operating Government digitization projects and acting a
Slide 13: e-finance for Digital Operations Drivers & Revenues (1/2)
e-finance for Digital Operations Drivers & Revenues (1/2) Transaction Revenues Build & Operate Revenues Key Highlights (EGP mn) (EGP mn) 20% In 1Q2025, e-finance Digital Operations 38% 2021 – 2024 CAGR recorded a revenue increase of 36.4% y-o- 2021 – 2024 CAGR 947 y to EGP 1,406.5 million, driven by
Slide 14: e-finance for Digital Operations Drivers & Revenues (2/2)
e-finance for Digital Operations Drivers & Revenues (2/2) Fixed Fee Transactions (mn), Fixed Fee Revenues Key Highlights Avg. Fee per Transaction (EGP) (EGP mn) 1.3 1.4 2.2 2.4 2.6 2.8 8% 2021 – 2024 CAGR Fixed-fee transaction revenue rose due to higher revenue from the Takaful and 565 346 511 Karam
Slide 15: eNovate
eNovate eNovate is a pivotal player in Egypt’s growing digital payments sector, leading the digital transformation by building, managing and operating smart card solutions for financial and nonfinancial institutions, as well as enabling the development of smart solutions across sectors Product and S
Slide 16: eNovate Operational Drivers & Revenues
eNovate Operational Drivers & Revenues Key Highlights eNovate Revenues (EGP mn) -1% 2021 – 2024 CAGR eNovate’s revenue inched upwards by 3.8% y-o-y in 1Q2025 to EGP 107.7 million, 376 364 driven mainly by a 39.8% y-o-y increase in revenue from card management. 226 227 104 108 2021 2022 2023 2024 1Q2
Slide 17: eKhales
eKhales Through eKhales, the Group has successfully tapped into Egypt’s thriving retail space, enabling users to execute all manner of bill payments, and creating value for a wide network of merchant partners Through its wide network of POS partners, and inter-operable digital wallet platforms, eKha
Slide 18: eKhales Operational Drivers & Revenues
eKhales Operational Drivers & Revenues Key Highlights eKhales Revenues (EGP mn) 28% 2021 – 2024 CAGR 139 In 1Q2025, eKhales reported a 12.6% y-o- y revenue decline to EGP 30.9 million, primarily due to the recording of non- 93 recurring POS sales during the 66 comparable quarter in 2024. 57 35 31 20
Slide 19: enable
enable enable is a leading Business Processing Outsourcing (BPO) service provider, offering a suite of integrated telecommunications and contact center solutions, from HR and IT outsourcing to a full contact center, across local and international markets Service Offering 24/7 Contact Center HR Outso
Slide 20: enable Operational Drivers & Revenues
enable Operational Drivers & Revenues Key Highlights enable Revenues (EGP mn) 45% 2021 – 2024 CAGR enable was established in 2021 to absorb e-finance’s spun off call center business. 164 120 86 enable has continued to expand its 54 presence in the private market space and 26 34 serves customers in m
Slide 21: eAswaaq, the Group's multiplatform e-commerce operator
eAswaaq, the Group’s multiplatform e-commerce operator eAswaaq is a multi-platform e-commerce operator focused on marketplace solutions that automate and transform outdated practices to bring Egyptian markets into the digital age. Platforms & Marketplaces Financing Solutions & Services Value-Added S
Slide 22: Appendix
Appendix E-Finance // Investor Presentation 22
Slide 23: Summary Income Statement
Summary Income Statement (EGP mn) 1Q2025 1Q2024 Change Total Consolidated Revenues 1,619.1 1,149.2 40.9% e-finance Digital Operations 1,406.5 1,031.4 36.4% eKhales 107.7 103.8 3.8% eNovate 30.9 35.4 -12.6% enable 34.2 26.2 30.6% eAswaaq 118.0 73.4 60.8% Intercompany Eliminations (78.2) (120.9) -35.3
Slide 24: Historical Summary Balance Sheet
Historical Summary Balance Sheet (EGP mn) FY2022 FY2023 FY2024 1Q2025 Total Current Assets 4,977 5,123 5,735 6,322 Total Non-Current Assets 958 2,512 3,323 3,379 Total Assets 5,935 7,635 9,058 9,700 Total Current Liabilities 1,037 1,395 1,564 2,394 Total Non-Current Liabilities 267 640 657 622 Total
Slide 25: Stock Information
Stock Information Stock Chart 25 Volume Price 20 5.0 15 10 2.5 5 0 0.0 10/1/2024 10/17/2024 11/2/2024 11/18/2024 12/4/2024 12/20/2024 1/5/2025 1/21/2025 2/6/2025 2/22/2025 3/10/2025 3/26/2025 Share and Contact Information Ticker EFIH.CA on the EGX Date of Listing 20 October 2021 Number of Shares 2,3
Slide 26: Thank you
Thank you E-Finance // Investor Presentation 26
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