E-finance For Digital And Financial Investments S.a.e. · EGX:EFIH
E-finance For Digital And Financial Investments S.a.e — e-finance for Digital and Financial Investments — 9M2024 Earnings Presentation
26 slides from E-finance For Digital And Financial Investments S.a.e's earnings presentation, 2024
Slide 1: 9M2024 Earnings Presentation
9M2024 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 9M2024 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 3,443.2 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 eCards eKhales 99% 89% 70% G2G G2G Ow
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 S
Slide 9: Consolidated Financial Performance in 9M2024
Consolidated Financial Performance in 9M2024 Key Highlights Revenue (EGP mn) Gross Profit, Margin (EGP mn, %) The Group’s consolidated revenues witnessed a Gross Profit Margin 24.5% y-o-y increase in 9M2024 to EGP 3,443.2 47% 2020 – 2023 3,899 3500 55% million driven by broad-based expansion across
Slide 10: Cost Base Analysis
Cost Base Analysis Key Highlights Selling, General, and administrative (SG&A) In parallel, selling and marketing expenses reached Cost of sales increased by 28.3% y-o-y driven expenses were up 51.2% y-o-y, reaching EGP 426.5 EGP 51.8 million in 9M2024, increasing by 41.9% y-o- by rising inflationary
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) e-finance Digital Operations achieved a 21% revenue expansion of 25.7% y-o-y to EGP 2020 – 2023 CAGR 3,139.1 million on the back of broad-based 36% expansion
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 2.1 2.4 10% 2020 – 2023 447 CAGR 511 443 431 346 382 384 354 250 237 The increase in fixed-fee transactions was 186 182 dri
Slide 15: eCards
eCards eCards 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 Ser
Slide 16: eCards Operational Drivers & Revenues
eCards Operational Drivers & Revenues Key Highlights e-cards Revenues (EGP mn) 35% 2020 – 2023 CAGR 376 In 9M2024, eCards recorded a top-line increase of 25.2% y-o-y to EGP 267.6 million, mainly driven by broad-based growth across 268 card production revenue and further boosted 226 227 by a rise in
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 21 >600K EGP c.2.0 bn 71 mn POS partners, and inter- operable d
Slide 18: eKhales Operational Drivers & Revenues
eKhales Operational Drivers & Revenues Key Highlights eKhales Revenues (EGP mn) 55% 2020 – 2023 CAGR 102 93 In 9M2024, revenue at eKhales expanded by 68.1% y-o-y to EGP 101.9 million, as the subsidiary’s POS terminal network grew by 66 57 61 5.3% y-o-y and the number of transactions aggregated incre
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 Flat 12% Y-o-Y 2020 – 2023 CAGR 55% 56 55 55 2020 – 2023 54 CAGR 120 52 Flat Y-o-Y 40 86 87 87 54 32 2020 2021 2022 2023 9M2023 9M2024 2020 2021 2022 2023 9M2023 9M2024 Key Highlights enable was established in 2021 to en
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) 3Q2024 3Q2023 Change 9M2024 9M2023 Change Total Consolidated Revenues 1,159.9 1,029.3 12.7% 3,443.2 2,764.8 24.5% e-finance Digital Operations 1,060.3 905.4 17.1% 3,139.1 2,496.8 25.7% eCards 87.2 68.0 28.1% 267.6 213.7 25.2% eKhales 36.8 24.4 50.8% 101.9 60.6 68.1%
Slide 24: Historical Summary Balance Sheet
Historical Summary Balance Sheet (EGP mn) FY2021 FY2022 FY2023 9M2024 Total Current Assets 4,282 4,977 5,466 5,825 Total Non-Current Assets 762 958 2,169 3,014 Total Assets 5,044 5,935 7,635 8,840 Total Current Liabilities 881 1,037 1,395 1,616 Total Non-Current Liabilities 219 267 640 538 Total Lia
Slide 25: Stock Information
Stock Information Stock Chart 30 18,000.0 Volume Price 16,000.0 25 14,000.0 20 12,000.0 10,000.0 15 8,000.0 10 6,000.0 4,000.0 5 2,000.0 0 0.0 1/2/2024 1/22/2024 2/11/2024 3/2/2024 3/22/2024 4/11/2024 5/1/2024 5/21/2024 6/10/2024 6/30/2024 7/20/2024 8/9/2024 8/29/2024 9/18/2024 Share and Contact Inf
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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