Fawry For Banking Technology And Electronic Payment · EGX:FWRY
Fawry For Banking Technology And Electronic Payment — Q1 2026 Earnings Presentation
23 slides from Fawry For Banking Technology And Electronic Payment's earnings presentation, May 18, 2026
Slide 1: 1Q 2026 Earnings Call
1Q 2026 Earnings Call May 18,2026 1
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
Slide 3: Agenda
AGENDA 1Q 2026 Financial results 01 Dive into 1Q 2026 Payments business figures 02 Dive into 1Q 2026 Financial services figures 03 Digital growth 04 3
Slide 4: 1Q 2026 Financial Results Highlights
1Q 2026 Financial Results Highlights 4
Slide 5: Financial KPIs
Financial KPIs • Revenue growth came at 34% y-o-y 34% • Acceptance business throughput grew by 29% y-o-y to reach EGP 80.2 billion in 1Q Y-o-Y revenue growth 26 for 1Q26 • Total loan portfolio exceeded EGP 6.2bn, 68% higher than 1Q 25 figure 56.1% • GP followed the revenue performance and grew by 34
Slide 6: Quarterly throughput reached EGP 253 billion, revenue EGP 2.4 billion
Quarterly throughput reached EGP 253 billion, up 34% y-o-y, with revenue EGP 2.4 billion, 34% up vs. last year Quarterly Throughput (EGP bn) Quarterly revenue (EGP mn) +34% + +34% + +62% + 253 +65% + 2,411 189 1,795 116 1,087 1Q24 1Q25 1Q26 1Q24 1Q25 1Q26 6
Slide 7: Financial Services segment lead the y-o-y revenue growth
Financial Services segment lead the y-o-y revenue growth Revenue contribution by quarter Contribution to y-o-y growth for 1Q 2026 2% 2% 2% 3% 3% 5% 7% 7% 6% 6% 10% 13% 16% 2% 26% 7% 2% 20% 33% 17% 20% 21% 12% 18% 17% 18% 21% 21% 20% 17% 51% 41% 33% 26% 20% 55% 1Q 2022 1Q 2023 1Q2024 1Q 2025 1Q 2026
Slide 8: Gross profit up by 33% vs. last year, with stable margin
Gross profit up by 33% vs. last year, with stable gross profit margin Gross profit (EGP mn) Gross profit margin (%) +33% -0.5% +70% 1,620 +1.8% 67.7% 1,214 67.2% 716 65.8% 1Q24 1Q25 1Q26 1Q24 1Q25 1Q26 8
Slide 9: With EBITDA margin also remaining stable y-o-y
With EBITDA margin also remaining stable y-o-y EBITDA (EGP mn) EBITDA margin (%) +35% + +0.2% +98% + 1,351 +9.3% 55.9% 56.1% 1,002 46.6% 507 1Q24 1Q25 1Q26 1Q24 1Q25 1Q26 9
Slide 10: Net income reached EGP 749 Mn, up 24% y-o-y
Net income reached EGP 749 Mn , up 24% y-o-y, with Net income margin reaching 31.1% Net income (EGP mn) Net income margin (%) +24% -2.6% 749 +97% +19.4% 33.7% 605 31.1% 28.2% 307 1Q24 1Q25 1Q26 1Q24 1Q25 1Q26 10
Slide 11: Dive into 1Q 2026 payments business figures
Dive into 1Q 2026 payments business figures 11
Slide 12: Operational KPIs achieved healthy growth, customers reaching 55.1mn
Operational KPIs achieved healthy growth, with customers reaching 55.1mn Number of Services Total POS -6% Average Revenue Total Transactions Average Transaction +22% (000s) * per Trx +13% +6% (mn) Value +26% 4,692 396 (EGP) 516 372 3.0 491 3,841 389 485 2.6 1Q 2025 1Q 2026 1Q 2025 1Q 2026 1Q 2025 1Q
Slide 13: ADP continues to grow at a slower pace as market matures
ADP continues to grow, albeit at a slower pace, as the market matures and payments increasingly shift toward digital channels. ADP Throughput ADP Revenue (EGP mn) +2% +11% 472 462 1Q 2025 1Q 2026 1Q 2025 1Q 2026 13
Slide 14: Acceptance and Agent Banking continue to grow at double digit figures
Acceptance and Agent Banking continue to grow at double gigt figures Acceptance Revenue Agent Banking Revenue (EGP mn) (EGP mn) +33% +27% 437 487 383 329 1Q 2025 1Q 2026 1Q 2025 1Q 2026 14
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 +23% -6% +30% 379 358 1Q 2025 1Q 2026 1Q 2025 1Q 2026 1Q 2025 1Q 2026 *The year on-year decl
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) +42% +40% 145 102 1Q 2025 1Q 2026 1Q 2025 1Q 2026 16
Slide 17: Dive into 1Q 2026 financial services figures
Dive into 1Q 2026 financial services figures 17
Slide 18: MSME lending continued strong performance
MSME lending continued strong performance • The company has onboarded 120k merchants to its MSME Finance Loan MSME Finance Revenue Portfolio (EGP bn) (EGP mn) BNPL for Business (Al-Nota), with credit limits exceeding EGP 1.5 billion. +35% +37% • Number of MSME loans granted in 1Q26 reached 35.5k, up
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 3.04 bn by end of 1Q26, up from EGP 1.36 bn at end of 1Q2 465 • Total spend for the quart
Slide 20: Digital growth
Digital growth 20
Slide 21: Double digits growth on annualized throughput; downloads exceeding 26 million
Double digits growth achieved on annualized throughput with total cumulative downloads exceeding 26 million 42.7 EGP Bn Annualized March 2026 26.2 c. Downloads since Mn 3.2 EGP Mn Prepaid Cards Issued as myFawry app throughput June 2019 of March 2026 Up 55.9% y-o-y Up 38% y-o-y Up 136% y-o-y We expa
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 +81% Processed value Transactions +51% +6% (mn) (mn) +62% (EGP bn) (mn) 516 138 257 301 199 159 77 485 1Q 2025 1Q 2026 1Q 2025
Slide 23: Q&A
Q&A 23
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