ZAWYA: Fawry releases FY2025 results

About this update from Fawry For Banking Technology And Electronic Payment

Cairo, Egypt: Fawry (the “Company”, FWRY.CA on the Egyptian Exchange), Egypt’s largest digital-only financial services platform, announced today its consolidated results for the quarter ended 31 December 2025. For the Full year of 2025, the Company recorded revenues of EGP 8,651.5 million, EBITDA of EGP 4,968.1 million, and net profit of EGP 2,889.2 million, reflecting year-on-year growth of 57%, 81%, and 80%, respectively. These results translated into the highest margins in the company’s history, with an EBITDA margin of 57.4% and a net profit margin of 33.4%, underscoring the continued strength and scalability of Fawry’s business model. Summary Profit & Loss Statement(EGP 000s)4Q20244Q2025Y-o-Y ChangeFY 2024FY 2025Y-o-Y ChangeTotal Revenues1,665,3732,592,03955.6%5,510,6208,651,47857.0%Banking Services717,9001,150,31660.2%2,312,0543,514,67052.0%Acceptance408,065489,63220.0%1,196,9471,785,66549.2%Agent Banking*309,835660,684113.2%1,115,1081,729,00555.1%Financial Services358,777724,682102.0%1,013,6342,382,015135.0%Alternative Digital Payments (ADP)460,939492,8106.9%1,708,0382,008,28117.6%Supply Chain Solutions93,839138,62147.7%347,188496,11342.9%Technology & Others33,91985,610152.4%129,706250,39993.1%Gross Profit1,080,0341,791,48065.9%3,622,3035,959,84264.5%Gross Profit Margin64.9%69.1%4.3 pts65.7%68.9%3.2 ptsEBITDA1867,7371,508,05673.8%2,747,1404,968,13180.8%EBITDA Margin52.1%58.2%6.1 pts49.9%57.4%7.6 ptsNet Profit Before NCI543,681926,21370.4%1,749,0623,100,65477.3%Net Profit After NCI500,108853,60770.7%1,606,6522,889,18979.8%Net Profit Margin30.0%32.9%2.9 pts29.2%33.4%4.2 pts*In 4Q2025, Fawry generated EGP 287 million in revenue from seasonal promotional campaigns within the Wallets segment.1 EBITDA - The Company defines EBITDA as its EAS operating profit, excluding: (a) depreciation, amortization, provisions; (b) noncash ESOP expense included in EAS net profit; (c) interest income not related to the operating cycle; (d) taxes; (e) leasing charges; and certain other non-operating costs including provisions.2 Financial services Revenue – Include MSME lending, Consumer finance, Insurance brokerage, Prepaid Card and Money market fund revenues. All except for Microfinance have been reallocated from Others.Financial & Operational Highlights (FY2025)For the full year ended 31 December 2025, Revenues grew by 57% y-oy to EGP 8,651.5 million. The growth was rob...

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