Raya Holding For Financial Investments Sae · EGX:RAYA

Raya Holding For Financial Investments Sae — Raya Holding for Financial Investments — Q1 2026 Earnings Presentation

37 slides from Raya Holding For Financial Investments Sae's earnings presentation, August 2026

  1. Slide 1: Investor Presentation 1Q-2026

    RAYA HOLDING FOR FINANCIAL INVESTMENTS Investor Presentation 1Q-2026

  2. 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 per

  3. Slide 3: Performance Summary

    2005 EGX Listed 6 Sectors 11 Performance Summary Portfolio Companies 6 Countries REVENUE GROSS PROFIT EBITDA +22,000 EGP 15,816 MN EGP 3,456 MN EGP 1,795 MN Employees YoY +22.8% YoY +28.6% YoY +28.6% GP Margin EBITDA Margin NP Margin 22% 11.3% 2.9% +1.0 Pts +0.5pts -0.1 pts

  4. Slide 4: Raya Holding Performance

    RAYA HOLDING PERFORMANCE Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) % 22.8 % 28.6 15,816 3,456 12,882 2,688 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Net(EGP EBITDA Profit Net (EGP (EGP Income Mn) Mn) Mn) 3.7% % 28.6 370 384 1,795 1,395 1Q-2025 1Q 2026 1Q-2025 1

  5. Slide 5: Raya Holding Performance: Breakdown by Portfolio Company

    RAYA HOLDING PERFORMANCE Revenue Breakdown Gross Profit Breakdown EBITDA Breakdown By Portfolio company -1Q 2026 By Portfolio company -1Q 2026 By Portfolio company -1Q 2026 Ostool Foods 3.1% Auto Ostool Ostool FMCG 2.8% FMCG 1.9% RSB 2.2% 1.5% 2.2% 2.0% 4.9% RCX RCX RCX 10.5% 10.6% 5.4% RIT 34.8% Tr

  6. Slide 6: Stock Overview

    Stock Overview Close Price 52 Week High RAYA EGX30Rebased EGX70Rebased EGX100Rebased 5.83 5.08 52 Week Low 31/3/2026 2.26 Market Cap EGP 21,748 Mn USD 398.4 Mn Listed Shares 4 Jan 18 Jan 1 Feb 15 Feb 1 Mar 15 Mar 31 29Mar Mar 4,281 Mn

  7. Slide 7: Board of Directors

    Board of Directrors MEDHAT AHMED SEIF AMR HAMED AHMED KHALIL KHALIL COUTRY EL TAWIL SHAMMA ELGUINDY CHAIRMAN EXECUTIVE BOARD NON-EXECUTIVE NON-EXECUTIVE NON-EXECUTIVE INDEPENDENT BOARD RAYA HOLDING MEMBER BOARD MEMBER BOARD MEMBER BOARD MEMBER MEMBER CEO CHAIRMAN | FAWRY CEO | TRIANGLE PROFESSOR OF

  8. Slide 8: Ownership Structure

    Ownership Structure Top Countries Ownership Categories Ownership Structure Egypt Free Float Retail 14% 80.56% 63% Taweel Family 6.7% Saudi Arabia 12.3% Local Institutions 30.1% Ashraf KheirEldin 10.6% Khalil Family Arab 56.6% 6.3% Foreign Institutions 6.9% Naif Al-Rajhy EU & Other 12.1% 0.9%

  9. Slide 9: Cash Dividends

    Cash Dividends 1 2 3 4 5 6 EGP 0.40 EGP 0.75 EGP 0.48 EGP 0.21 EGP 0.25 EGP 0.20 Ex. Date: 10/5/2007 Ex. Date: 10/9/2007 Ex. Date: 24/12/2007 Ex. Date: 19/05/2009 Ex. Date: 19/05/2010 Ex. Date: 17/01/2012 Payment Date: 14/05/2007 Payment Date: 12/9/2007 Payment Date: 26/12/2007 Payment Date: 21/05/2

  10. Slide 10: Rana: Revenue, Gross Profit, EBITDA, Net Profit

    REVENUE GROSS PROFIT EGP 6,779 MN EGP 577 MN YOY +42.2% YOY +7.3% EBITDA NET PROFIT EGP 297 MN EGP 87 MN YOY -5.7% YOY +4.8% 8.5K 14K+ 120+ 4 60+ RETAILERS DEALERS FRANCHISES OPERATING AFTERSALES COUNTRIES CENTERS

  11. Slide 11: Rana Distribution & Retail

    RANA DISTRIBUTION RETAIL aay RNA

  12. Slide 12: Rana Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 7.3% 2% 42. 6,799 537 577 4,780 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breadown Net Income Mn) (EGP Mn) Other EZEE 4.9% 4.3% Mobile Devision Mazaya 21.5% 6.9% Nigeria 315 297 19.4% Retail Devision

  13. Slide 13: Raya IT: Revenue, Gross Profit, EBITDA, Net Profit

    REVENUE GROSS PROFIT EGP 3,410 MN EGP 1,201 MN YOY -1.7% YOY +61.6% EBITDA NET PROFIT EGP 985 MN EGP 679 MN YOY +75.0% YOY +76.9% 95+ 1K+ 90+ 3 15+ SERVICES ENTERPRISE TECHNOLOGY OPERATING DIVERSE OFFERED CUSTOMERS PARTNER COUNTRIES INDUSTRIES

  14. Slide 14: Raya IT Business Lines

    Prd INTEGRATION RA'A INTEGRATION KSA _ b , ’ RA'A RANA NETWORK SERVICES dhe INFRASTRUCTURE ATMs & SELF-CARE SOFTWARE INTEGRATION DATA CENTERS CLOUD mean >? se ORACLE MAINTENANCE

  15. Slide 15: Key Services Offered

    RA‘ Key Services Offered 3% «> INFORMATION “* TECHNOLOGY pista BUSINESS APPLICATION SERVICES DATA CENTER INFRASTRUCTURE > a= DATA CENTER (“DC”) SERVICES ————_- 4 it 1 all — g ERP Implementation BQ _ocsite Preparation 8 Tier3+ Data Center ee oy Uorrate Services Mea Bs cotocation Services RS Advisory/

  16. Slide 16: Raya IT Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) .6% 61 3,470 1,201 3,410 744 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breakdown Net Income Mn) (EGP Mn) Others RDC 4.1% 4.0% Raya JaFza 8.8% .0% 75 Raya Network Services 985 12.8% 563 Raya Integrati

  17. Slide 17: Aman: Revenue, Gross Profit, EBITDA, Net Profit

    REVENUE GROSS PROFIT EGP 2,526 MN EGP 991 MN YOY +46.7% YOY +54.6% EBITDA NET PROFIT EGP 215 MN EGP 25 MN YOY +328.7% YOY +153.6% 250+ 6 23 BRANCHES FINTECH GOVERNMENTS LICENSES

  18. Slide 18: Aman Lending and Financial Services

    Retail Automotive Micro SME Islamic Lending Lending Lending Merchant Financial Nano VSE Light Services Finance Vehicle ADP Collection 9.7B 6.7B Total Portfolio Active Issuances Merchant Agent 3.0B Acceptance Banking Matured Issuances

  19. Slide 19: Aman Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) % 54.6 % 46.7 991 2,526 641 1,722 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Gross Transaction NetValue EBITDA (EGP Mn) (GTV) Income (EGPBreakdown Mn) Throughput Loaned Amount GMV 25,592 % 16,920 329 215 3,074 2,881 50 2

  20. Slide 20: Customer Experience: Revenue, Gross Profit, EBITDA, Net Profit

    REVENUE GROSS PROFIT EGP 855 MN EGP 365 MN YOY +34.7% YOY +24.6% EBITDA NET PROFIT EGP 189 MN EGP 80 MN YOY -22.8% YOY +22.0% 9.2k 81% 7K+ 6 15 SEAT UTILIZATION AGENTS OPERATING LANGUAGES CAPACITY RATE COUNTRIES

  21. Slide 21: Customer Experience Offerings

    v we CUSTOMER RANA *4 EXPERIENCE vd ba GULF —— RA vd ba — RAA HOSTING vd? ba — RA OFFSHORE vy D4 ___. RANA ONSHORE

  22. Slide 22: Customer Experience Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 24.6% % 34.7 365 855 293 635 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breadown Net Income Mn) (EGP Mn) Insourcing 19.7% 245 189 Outsourcing 54.7% Hosting 25.6% 1Q-2025 1Q 2026

  23. Slide 23: Trade: Revenue, Gross Profit, EBITDA, Net Profit

    REVENUE GROSS PROFIT EGP 755 MN EGP 75 MN YOY +35.6% YOY +33.6% EBITDA NET PROFIT EGP 24 MN EGP 8 MN YOY +26.1% YOY +19.1% 168 70K+ 14+ TRUCKS POINT OF GOVERNORATES SALES [POS]

  24. Slide 24: Trade Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) % 6% 33.6 35. 775 75 572 56 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breadown Net Income Mn) (EGP Mn) SM PHARMA 4.5% 9.9% 4% 26.1 RETAIL 33.3% MT 12.8% 24 19 HORECA 19.1% 1Q-2025 1Q 2026 WHS 20.4%

  25. Slide 25: Real Estate: Revenue, Gross Profit, EBITDA, Net Profit

    REVENUE GROSS PROFIT EGP 74 MN EGP 42 MN YOY +26.1% YOY +23.2% EBITDA NET PROFIT EGP 39 MN EGP 20 MN YOY +49.6% YOY +46.6% 70K SQM 7K SQM SHEIKH ZAYED | WEST CAIRO SHEIKH ZAYED | NEW CAIRO 99% 100% OCCUPANCY RATES OCCUPANCY RATES

  26. Slide 26: Real Estate Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 26.1% 23.2% 74 42 59 34 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breadown Net Income Mn) (EGP Mn) Services Parking 5.2% 5.6% 6% 49. Retail 9.7% 39 Other Offices 26 9.9% 53.2% F&B 1Q-2025 1Q 2026 14.

  27. Slide 27: Manufacturing: Revenue, Gross Profit, EBITDA, Net Loss

    REVENUE GROSS PROFIT EGP 218 MN EGP 9 MN YOY +24.8% YOY +169.7% EBITDA NET LOSS EGP 1 MN EGP -10 MN YOY +111.8% YOY -5.2% 1.5M 300K PRODUCTION UNITS CAPACITY ANNUALLY

  28. Slide 28: Manufacturing Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 24.8% % 9.7 16 9 218 175 3 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) 1 8% 1. 11 -6 1Q-2025 1Q 2026

  29. Slide 29: Auto: Revenue, Gross Profit, EBITDA, Net Loss

    REVENUE GROSS PROFIT EGP 441 MN EGP 26 MN YOY +30.5% YOY -68.9% EBITDA NET LOSS EGP -12 MN EGP -34 MN YOY -130.7% YOY -326.2% 2020 2021 2024 MOTORCYCLE GOLF CART EV CARS XPENG

  30. Slide 30: Auto Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 30.5% 441 83 338 26 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breadown Net Income Mn) (EGP Mn) After Market After Sales 6.1% 2.2% Commercial Vehicle 10.2% 41 -12 1Q-2025 1Q 2026 EV 81.5%

  31. Slide 31: Foods: Revenue, Gross Profit, EBITDA, Net Loss

    REVENUE GROSS PROFIT EGP 51 MN EGP 26 MN YOY +0.1% YOY +8.0% EBITDA NET LOSS EGP -4 MN EGP -8 MN YOY -111.6% YOY -59.9% 500k 13 CUSTOMERS OUTLETS SERVED

  32. Slide 32: Foods Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 8.0% 51 51 24 26 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breadown Net Income Mn) (EGP Mn) The Lebanese Bakery 3.2% -2 -4 1Q-2025 1Q 2026 Ovio Brand 94.9%

  33. Slide 33: Frozen Foods Exporter: Revenue, Gross Profit, EBITDA, Net Loss

    REVENUE GROSS PROFIT EGP 429 MN EGP 67 MN YOY -19.1% YOY -63.2% EBITDA NET LOSS EGP -6 MN EGP -177 MN NO.1 35K 50+ 20K SQM EXPORTER OF FROZEN PRODUCTION COUNTRIES PLANT AREA FRUITS AND CAPACITY EXPORTS VEGETABLES IN EGYPT

  34. Slide 34: Frozen Foods Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 182 530 429 67 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) Revenue EBITDA (EGP Breadown Net Income Mn) (EGP Mn) Others 10% 91 -6 Starwberry 1Q-2025 1Q 2026 90%

  35. Slide 35: Logistics: Revenue, Gross Profit, EBITDA, Net Profit

    REVENUE GROSS PROFIT EGP 492 MN EGP 51 MN YOY -33.9% YOY -23.2% EBITDA NET PROFIT EGP 36 MN EGP 16 MN YOY -30.7% YOY 11.82% 93% 251 +700 FLEET UTILIZATION RATE TRUCKS OUTSOURCED OWNED BY THE TRUCKS COMPANY

  36. Slide 36: Logistics Financial Performance

    Revenues (EGP Mn) Gross Gross ProfitProfit (EGP(EGP Mn)Mn) 67 746 51 429 1Q-2025 1Q 2026 1Q-2025 1Q 2026 EBITDA EBITDA (EGP Mn) (EGP Mn) 52 36 1Q-2025 1Q 2026

  37. Slide 37: Thank You

    Thank You LEARN MORE

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