E-finance For Digital And Financial Investments S.a.e. · EGX:EFIH
E-finance For Digital And Financial Investments S.a.e — FY2025 Earnings Presentation
22 slides from E-finance For Digital And Financial Investments S.a.e's earnings presentation, 2025
Slide 1: Earnings Presentation FY2025
Earnings Presentation FY2025 E-Finance // Investor Presentation 1
Slide 2: Agenda
Performance I Overview Agenda II Subsidiary Performance III Appendix E-Finance // Investor Presentation 2
Slide 3: Overview
Overview
Slide 4: Group Overview
Group Overview Group Synopsis FY2025 Financial Highlights e-finance Investment Group is Egypt’s leading Consolidated Revenues technology focused investment management 25.30% 25.75% firm. From its beginnings as the country’s first EGP 6,773.1 million fintech platform in 2005, e-finance has grown to
Slide 5: Consolidated Financial Performance in FY2025
Consolidated Financial Performance in FY2025 Revenue Gross Profit, Margin Key Highlights (EGP mn) (EGP mn, %) 36% Gross Profit Margin 2021 – 2025 e-finance’s consolidated revenues expanded by 56% CAGR 54% 54% 30.0% y-o-y to EGP 6,773.1 million in FY2025, driven 52% 450 0 largely by the Transaction a
Slide 6: Segments Performance in FY2025
Segments Performance in FY2025 Transaction Segment Cloud Segment Revenue Key Highlights Revenue (EGP mn) (EGP mn) Variable-Fee Transaction revenue expanded by 45.2% y- o-y to EGP 1,735.2 million in FY2025, largely driven by the 30.3% y-o-y increase in the throughput value of 2,679 variable-fee trans
Slide 7: Cost Base Analysis
Cost Base Analysis Key Highlights Selling, General, and administrative (SG&A) In parallel, selling and marketing expenses were up expenses increased by 28.7% y-o-y to EGP 738.8 50.4% y-o-y to EGP 153.3 million during the year. Cost of sales rose by 22.0% y-o-y on the back of million in FY2025, large
Slide 8: Our Subsidiaries
Our Subsidiaries E-Finance // Investor Presentation 8
Slide 9: 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 10: e-finance for Digital Operations Drivers & Revenues (1/2)
e-finance for Digital Operations Drivers & Revenues (1/2) Transaction Revenues Build & Operate Revenues Key Highlights (EGP mn) (EGP mn) 21% 37% 2021 – 2025 -5% CAGR Y-o-Y reported a revenue increase of 29.1% y-o- 2021 – 2025 CAGR y to EGP 5,890.3 million in FY2025, driven 2,341 by strong results ac
Slide 11: e-finance for Digital Operations Drivers & Revenues (2/2)
e-finance for Digital Operations Drivers & Revenues (2/2) Fixed Fee Transactions (mn), Fixed Fee Revenues Key Highlights Avg. Fee per Transaction (EGP) (EGP mn) 1.3 1.4 2.2 2.4 2.7 8% Fixed-fee transaction revenue growth was 2021 – 2025 CAGR generated by an increase in the pricing of -4% fixed fee t
Slide 12: 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 13: eNovate Operational Drivers & Revenues
eNovate Operational Drivers & Revenues Key Highlights eNovate Revenues (EGP mn) At eNovate, revenues rose by 15.4% y-o-y 420 to EGP 420.2 million in FY25, primarily on 376 364 the back of a 19.8% y-o-y increase in revenue from card management. 226 227 2021 2022 2023 2024 2025 On the card management
Slide 14: 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 POS partners, and inter-operable digital wallet platforms, eKha
Slide 15: eKhales Operational Drivers & Revenues
eKhales Operational Drivers & Revenues Key Highlights eKhales Revenues (EGP mn) 21% 2% 2021 – 2025 Y-o-Y In FY2025, revenues at eKhales inched CAGR upwards by 2.0% y-o-y to EGP 141.7 million, supported by a more favorable 139 142 sales mix, which offset the impact of the 5.2% y-o-y drop in the numbe
Slide 16: 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 17: enable Operational Drivers & Revenues
enable Operational Drivers & Revenues Full Outsourcing Revenues IT Outsourcing Revenues Key Highlights (EGP mn) (EGP mn) 51% 53% Flat 2021 – 2025 2021 – 2025 Y-o-Y CAGR CAGR enable was established in 2021 to absorb 107 e-finance’s spun off call center business. 33 33 83 83 21 54 enable has continued
Slide 18: 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. Platforms & Marketplaces Financing Solutions & Services Value-Added S
Slide 19: Appendix
Appendix E-Finance // Investor Presentation 19
Slide 20: Summary Income Statement
Summary Income Statement (EGP mn) 3Q2025 3Q2024 Change 9M2025 9M2024 Change Total Consolidated Revenues 1,807.0 1,766.2 2.3% 6,773.1 5,209.5 30.0% Transaction 793.9 626.3 26.8% 2,678.8 2,062.0 29.9% Cloud Services 640.4 513.0 24.8% 2,386.5 1,580.8 51.0% Build & Operate 251.4 362.8 -30.7% 1,162.9 1,2
Slide 21: Historical Summary Balance Sheet
Historical Summary Balance Sheet (EGP mn) FY2022 FY2023 FY2024 FY2025 Total Current Assets 4,977 5,123 5,735 6,929 Total Non-Current Assets 958 2,512 3,323 4,975 Total Assets 5,935 7,635 9,058 11,904 Total Current Liabilities 1,037 1,395 1,564 2,051 Total Non-Current Liabilities 267 640 657 1,069 To
Slide 22: Thank you
Thank you E-Finance // Investor Presentation 22
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