Raya Holding For Financial Investments Sae · EGX:RAYA
Raya Holding For Financial Investments Sae — Raya Holding for Financial Investments — H1 2025 Earnings Presentation
33 slides from Raya Holding For Financial Investments Sae's earnings presentation, 2025
Slide 1: Earnings Presentation 2Q & 1H 2025
Earnings Presentation Raya Holding for Financial Investments 2Q & 1H 2025 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 At Glance
Raya Holding At Glance • Raya Holding is an investment company headquartered in Cairo, Egypt, managing a diversified investment portfolio of companies. • Raya Holding operates through a diversified portfolio of 11 companies, strategically positioned across high-Growth: sectors of the regional econom
Slide 4: Key Milestones
• 100% divestment of BariQ for EGP IPO of Raya 570 Mn Contact Center • 3rd securitized bond offering worth EGP 585 Mn • Raya Holding signs a • Acquisition of 85% of Gulf CX contract with Makarony Polskie to import their First securitized pasta brands bond offering 2024 Establishment of Raya worth EG
Slide 5: Stock Overview
Stock Overview Raya Holding for Financial Investments
Slide 6: Share & Ownership Information
Share & Ownership Information Share Information (RAYA.CA) Stock Price Performance RAYA Close Price EGX30 Close Price (Rebased) EGX100 Close Price (Rebased) Close (30/06/2025) 4 3.15 3.5 52 Wk High 52 Wk Low 3 3.74 2.19 2.5 2 Shares Avg. Daily Turnover 1.5 4,281Mn 59.9Mn 1 0.5 Market Cap (EGP) Market
Slide 7: Dividends Overview
Dividends Overview Raya Holding for Financial Investments
Slide 8: Dividends Overview
Dividends Overview Cash Dividends Coupon No. Ex. Date Payment Date Dividend Amount 18 07/07/2025 10/07/2025 EGP 0.04 17 10/01/2023 15/01/2023 EGP 0.035 16 13/01/2022 18/01/2022 EGP 0.06 15 13/07/2021 18/07/2021 EGP 0.045 14 12/12/2019 15/01/2020 EGP 0.19 13 15/07/2019 18/07/2019 EGP 0.24 12 13/06/20
Slide 9: Group Overview
Group Overview Raya Holding for Financial Investments
Slide 10: Raya Holding Group Overview
Raya Holding Group Overview Market leader of consumer Leading system integrator Leading integrated fintech World-class Business electronics in Egypt since established in 1998 with a company providing e- payment, Process Outsourcing (BPO) Overview 1998, operates in vision to lead the information micr
Slide 11: Raya Holding Group Overview
Raya Holding Group Overview Frozen fruits and vegetables Raya Auto is responsible Develops elegant smart Leading manufacturer & producer, covering the basic for assembling and commercial & office distributor of food products complexes, in day-to- day product range operating international Overview in
Slide 12: Raya Holding Group Overview
Raya Holding Group Overview Established in 2013 with Leading provider of supply the aim to build Home appliances giant focused on air chain management services w/ Overview internationally competitive conditioners a special focus on trucking & restaurant chains that will logistics services, storage &
Slide 13: Summary Income Statement 2Q & 1H
Raya Holding Group Overview Summary Income Statement 2Q & 1H All Figures are EGP Mn 2Q24 1Q25 2Q25 QoQ % Change YoY % Change Revenue 9,675 12,882 14,896 15.60% 54.00% Gross Profit 2,177 2,688 3,316 23.40% 52.30% GPM 22.50% 20.90% 22.30% 1.40pts (0.20pts) EBITDA 1,165 1,395 1,808 29.60% 55.10% EBITDA
Slide 14: Summary Balance Sheet
Raya Holding Group Overview Summary Balance Sheet All Figures are EGP Mn 31-Dec-24 30-Jun-2025 Total Non-current Assets 5,185 5,749 Cash 4,012 2,096 Total Current Assets 33,927 39,297 Total Assets 39,112 45,046 STL 2,056 2,543 Credit Facilities 10,494 14,287 Total Current Liabilities 30,690 34,454 L
Slide 15: Raya Holding Group Overview
Raya Holding Group Overview Raya Holding for Financial Investments 15
Slide 16: Raya Holding Group Overview 2Q-2025
Raya Holding Group Overview 2Q-2025 Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth:: 54.0% YoY Growth:: 52.3% QoQ Growth:: 15.6% 3,316 14,896 QoQ Growth:: 23.4% 12,882 2,688 2,177 9,675 2Q24 1Q25 2Q25 2Q24 1Q25 2Q25 EBITDA (EGP Mn) Net Profit After Minority (EGP Mn) YoY Growth:: 55.1% YoY Growth:
Slide 17: Raya Holding Group Overview 1H-2025
Raya Holding Group Overview 1H-2025 Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 38.3% 27,778 YoY Growth: 38.4% 6,004 20,088 4,339 1H 2024 1H 2025 1H 2024 1H 2025 EBITDA (EGP Mn) Net Profit After Minority (EGP Mn) YoY Growth: 34.9% YoY Growth: 36.3% 3,203 892 2,374 654 1H 2024 1H 2025 1H 2024
Slide 18: Portfolio Companies Performance
Portfolio Companies Performance Raya Holding for Financial Investments
Slide 19: Retail & Distribution Results 1H 2025
Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 18.5% YoY Growth: 7.9% 9,713 1,040 8,200 963 1H 2024 1H 2025 1H 2024 1H 2025 EBITDA (EGP Mn) Revenue Breakdown by Product (1H-2025) YoY Growth: 4.0 % 582 10% 26% Mobile Division 26% Retail Division 560 Consumer Electronics Nigeria 26% 12% 1H 2024 1H
Slide 20: Technology & Infrastructure Results 1H 2025
Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 73.6% YoY Growth: 82.2% 8,077 1,703 4,653 935 1H 2024 1H 2025 1H 2024 1H 2025 EBITDA (EGP Mn) Revenue Breakdown by Product YoY Growth: 98.9 % 5% 3% 1,338 14% Raya Integeration 672 RNS RIS RDC 79% 1H 2024 1H 2025 Raya Holding for Financial Investment
Slide 21: Fintech Net Revenue and Gross Profit
Net Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 51.3% YoY Growth:70.7% 3,881 1,584 2,565 928 1H 2024 1H 2025 1H 2024 1H 2025 EBITDA (EGP Mn) Net Revenue Breakdown by Product Integrated DCG Acquisition & Transaction Fees Financial Spread YoY Growth: 56.8% 355 1,127 227 715 637 493 100 37 1H 20
Slide 22: Gross Transaction Value (GTV)
Gross Transaction Value (GTV)- EGP Mn Gross Transaction Value (GTV) Breakdown Loaned Amount Throughput GMV YoY Growth: 41.7% 43,902 35,462 30,990 25,395 3,932 4,508 2,539 3,057 1H 2024 1H 2025 1H 2024 1H 2025 GTV Breakdown 10.3% 9% Throughput GMV Loaned Amount 80.8% Raya Holding for Financial Invest
Slide 23: BPO Revenue and Gross Profit
Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 4.5% YoY Growth: 5.3% 1,318 604 1,262 573 1H 2024 1H 2025 1H 2024 1H 2025 EBITDA (EGP Mn) Net Profit After Minority (EGP Mn) YoY Growth: 2.9% 341 242 141 331 1H 2024 1H 2025 1H 2024 1H 2025 Raya Holding for Financial Investments 23
Slide 24: Share Information (RACC.CA) and Revenue Breakdown
Share Information (RACC.CA) Revenue Breakdown by Region Close (30/06/2025) 4.0% 7.35 52 Wk High 52 Wk Low 16.6% 7 .86 5.60 Egypt Shares Avg. Daily Turnover GCC 205Mn 2.97Mn EU Market Cap (EGP) Market Cap (USD) 79.4% 1,508Mn 30 Mn Revenue Breakdown by Currency Revenue Breakdown by Service 0.4% 18.5%
Slide 25: Revenue and Gross Profit by Company
Revenue (EGP Mn) Revenue (EGP Mn) YoY Growth: 15.0% YoY Growth: 57.1% 1,118 121 77 972 1H 2024 1H 2025 1H 2024 1H 2025 Gross Profit (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 12.0% 119 YoY Growth: 54.2% 59 38 106 1H 2024 1H 2025 25 1H 2024 1H 2025 Raya Holding for Financial Investments
Slide 26: Revenue and Gross Profit by Company
Revenue (EGP Mn) Revenue (EGP Mn) YoY Growth: 297% YoY Growth: 29.8% 411 1,274 982 104 1H 2024 1H 2025 1H 2024 1H 2025 Gross Profit (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 5.9% YoY Growth: 16.2% 19 143 135 16 1H 2024 1H 2025 1H 2024 1H 2025 Raya Holding for Financial Investments 26
Slide 27: Revenue, Gross Profit and Revenue Mix
Revenue (EGP Mn) Gross Profit (EGP Mn) Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 21.4% YoY Growth: 26.0% YoY Growth: 82.8% YoY Growth: 76.1% 200 120 69 858 99 55 487 109 1H 2024 1H 2025 1H 2024 1H 2025 1H 2024 1H 2025 1H 2024 1H 2025 Revenue Mix Revenue Mix 3% 12% 10% EV Rent-Leased Assets
Slide 28: Revenue, Gross Profit, Product Mix and Export Market
Revenue (EGP Mn) Gross Profit (EGP Mn) YoY Growth: 36.2% 1,295 438 951 419 1H 2024 1H 2025 1H 2024 1H 2025 Product Mix Export Market 1% 1%1% 1% 3% 2% 1% 2% Usa Strawberry 14% Europe Cut Green Beans 43% China Okra Gulf Broccoli Russia Sweet Potatoes 36% Egypt 90% Molokhia Raya Holding for Financial I
Slide 29: Financial Performance
Financial Performance Raya Holding for Financial Investments
Slide 30: Raya Holding – Income Statement
All Figures are EGP Mn 2Q2024 2Q2025 1H2024 1H2025 Revenue 9,675 14,896 20,088 27,778 COGS (7,498) (11,580) (15,749) (21,773) Gross Profit 2,177 3,316 4,339 6,004 General & Administrative Exp. (782) (1,126) (1,554) (2,186) Selling & Marketing Exp. (381) (561) (708) (1,086) Raya Holding – Income Stat
Slide 31: Raya Holding – Balance Sheet
All Figures are EGP Mn 31-Dec-24 30-Jun-25 Assets Inventory 4,427 5,628 Work in Progress 1,348 1,220 Accounts And Notes Receivable 14,601 20,233 Short-term Investments through profit and loss 8 0.1 Prepayments And Other Debit Balances 9,524 10,062 Share Based Compensation(ESOP) 8 13 Debit balances (
Slide 32: Contact IR
Contact IR Ahmed Atia Director of FP&A Mina Wahba Headquarters Head of Investments & IR investor_relations@rayacorp.com Raya Street, Touristic Zone Direct: +202 3872 6000 Raneem Meligy Fax: +202 3872 6001 6th of October City, Giza, Egypt IR & Inv. Manager PO: 12568 Visit our IR website: http://www.r
Slide 33: Thank You!
Thank You! Raya Holding for Financial Investments 33
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