E-finance For Digital And Financial Investments S.a.e. · EGX:EFIH
E-finance For Digital And Financial Investments S.a.e — e-finance Investment Group — FY2024 Earnings Presentation
26 slides from E-finance For Digital And Financial Investments S.a.e's earnings presentation, 2025
Slide 1: FY2024 Earnings Presentation
FY2024 Earnings Presentation 1
Slide 2: Agenda
Agenda I e-finance Overview II Our Subsidiaries III Appendix 2
Slide 3: Overview
Overview finance Investment Group 3
Slide 4: Group Overview
Group Overview Group Synopsis FY2024 Financial Highlights Consolidated Revenues e-finance Investment Group is Egypt’s leading technology focused investment management firm. From its beginnings as 25.54% 25.75% EGP 5,209.5 million the country’s first 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 eKhales eNovate 99% 70% 89% G2G Owner
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 Based (Variable & Fixed TRX)* Payment processing activities split into variable-fee transactions (take r
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 39 >8k 21 600k Payment Service Commercial Banks Bank Branches POSs (Held By PSPs) Partners (PSPs) >4k >20k Post Offices Government POSs Corporate Payment
Slide 9: Consolidated Financial Performance in FY2024
Consolidated Financial Performance in FY2024 Key Highlights Revenue (EGP mn) Gross Profit, Margin (EGP mn, %) The Group’s consolidated revenues reached EGP Gross Profit Margin 43% 5,209.5 million in FY2024, a 33.6% y-o-y increase 2020 – 2024 5,210 3500 driven by broad-based expansion across all of t
Slide 10: Cost Base Analysis
Cost Base Analysis Key Highlights Selling, General, and administrative (SG&A) In parallel, selling and marketing expenses rose by Cost of sales increased by 36.2% y-o-y driven expenses increased by 30.7% y-o-y to EGP 574.2 20.0% y-o-y to EGP 101.9 million in FY2024, further by rising inflationary pr
Slide 11: Our Subsidiaries
Our Subsidiaries finance Investment Group 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) Key Highlights Transaction Based Revenues (EGP mn) Build & Operate Revenues (EGP mn) In FY2024, e-finance Digital Operations 19% achieved a revenue expansion of 29.3% y-o-y 2020 – 2024 to EGP 4,562.8million following broad-based 35% CAGR 947
Slide 14: e-finance for Digital Operations Drivers & Revenues (2/2)
e-finance for Digital Operations Drivers & Revenues (2/2) Key Highlights Fixed Fee Transactions (mn), Avg. Fee per Transaction (EGP) Fixed Fee Revenues (EGP mn) 1.0 1.3 1.4 2.2 2.4 10% 2020 – 2024 CAGR 565 447 511 0% 443 346 Y-o-Y 382 354 250 237 238 The increase in fixed-fee transactions was driven
Slide 15: 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 21 >600K EGP c.2.0 bn 93 mn POS partners, and inter- operable d
Slide 16: eKhales Operational Drivers & Revenues
eKhales Operational Drivers & Revenues Key Highlights eKhales Revenues (EGP mn) 54% 2020 – 2024 CAGR 139 In FY2024, eKhales’ revenues increased by 50.1% y-o-y to EGP 138.9 million, as the 93 subsidiary’s POS terminal network expanded by 4.5% y-o-y and the number of transactions 66 aggregated rose by
Slide 17: 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 18: eNovate Operational Drivers & Revenues
eNovate Operational Drivers & Revenues Key Highlights eNovate Revenues (EGP mn) 41% 2020 – 2024 376 CAGR 364 eNovate recorded a revenue of EGP 364.0 million in FY2024, a 60.6% y-o-y increase. Top-line growth was mainly driven by solid expansion in revenue from card production and was further boosted
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 enable Revenues (EGP mn) Customers Served 9% 2020 – 2024 CAGR 0% 50% Y-o-Y 2020 – 2024 CAGR 164 56 56 54 52 120 40 86 54 32 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 Key Highlights enable was established in 2021 to enable has continued to expand its In F
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. Financing Platforms & Value-Added Solutions & Marketplaces Services S
Slide 22: Appendix
Appendix finance Investment Group 22
Slide 23: Summary Income Statement
Summary Income Statement (EGP mn) 4Q2024 4Q2023 Change FY2024 FY2023 Change Total Consolidated Revenues 1,766.2 1,133.8 55.8% 5,209.5 3,898.6 33.6% e-finance Digital Operations 1,423.7 1,030.8 38.1% 4,562.8 3,527.6 29.3% eKhales 37.0 31.9 16.0% 138.9 92.5 50.1% eNovate 96.4 13.0 642.2% 364.0 226.7 6
Slide 24: Historical Summary Balance Sheet
Historical Summary Balance Sheet (EGP mn) FY2021 FY2022 FY2023 FY2024 Total Current Assets 4,282 4,977 5,123 5,735 Total Non-Current Assets 762 958 2,512 3,323 Total Assets 5,044 5,935 7,635 9,058 Total Current Liabilities 881 1,037 1,395 1,564 Total Non-Current Liabilities 219 267 640 657 Total Lia
Slide 25: Stock Information
Stock Information Stock Chart 30 17.5 Volume Price 25 15.0 12.5 20 10.0 15 7.5 10 5.0 5 2.5 0 0.0 1/2/2024 2/1/2024 3/2/2024 4/1/2024 5/1/2024 5/31/2024 6/30/2024 7/30/2024 8/29/2024 9/28/2024 10/28/2024 11/27/2024 12/27/2024 Share and Contact Information Ticker EFIH.CA on the EGX Date of Listing 20
Slide 26: Thank You
Thank You INVESTOR RELATIONS CONTACTS Telephone: +202 3531 7430 E-mail: ir@efinance.com.eg www.efinanceinvestment.com 26
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