U Consumer FinanceE (VALU) Stock Overview

A financial technology company, provides various financial services for individuals and businesses. More details

VALU fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	6/6
Past Performance	3/6
Financial Health	2/6
Dividends	0/6

Rewards

Earnings are forecast to grow 34.12% per year

Earnings grew by 80.8% over the past year

Risk Analysis

High level of non-cash earnings

Debt is not well covered by operating cash flow

Volatile share price over the past 3 months compared to the EG market

VALU Community Fair Values

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U Consumer Finance S.A.E. Competitors

Price History & Performance

Summary of share price highs, lows and changes for U Consumer FinanceE
Historical stock prices
Current Share Price	ج.م11.50
52 Week High	ج.م12.80
52 Week Low	ج.م6.93
Beta	0
1 Month Change	9.42%
3 Month Change	27.64%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	55.41%

Recent updates

Shareholder Returns

	VALU	EG Consumer Finance	EG Market
7D	2.0%	2.8%	2.4%
1Y	n/a	-4.3%	44.3%

Return vs Industry: Insufficient data to determine how VALU performed against the EG Consumer Finance industry.

Return vs Market: Insufficient data to determine how VALU performed against the EG Market.

Price Volatility

Is VALU's price volatile compared to industry and market?
VALU volatility
VALU Average Weekly Movement	6.6%
Consumer Finance Industry Average Movement	5.4%
Market Average Movement	5.0%
10% most volatile stocks in EG Market	7.7%
10% least volatile stocks in EG Market	3.5%

Stable Share Price: VALU's share price has been volatile over the past 3 months compared to the EG market.

Volatility Over Time: VALU's weekly volatility (7%) has been stable over the past year, but is still higher than 75% of EG stocks.

About the Company

Founded	Employees	CEO	Website
2017	n/a	Walid Hassouna	www.valu.com.eg

U Consumer Finance S.A.E., a financial technology company, provides various financial services for individuals and businesses. The company offers investment products, an instant cash redemption program, savings solutions, and a financing solution, as well as the U* application, which provides buy now pay later solutions. It also provides business solutions comprising payroll system, payroll card, and employee benefits.

U Consumer Finance S.A.E. Fundamentals Summary

How do U Consumer FinanceE's earnings and revenue compare to its market cap?
VALU fundamental statistics
Market cap	ج.م24.22b
Earnings (TTM)	ج.م764.39m
Revenue (TTM)	ج.م1.15b

31.7x

P/E Ratio

21.0x

P/S Ratio

Is VALU overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VALU income statement (TTM)
Revenue	ج.م1.15b
Cost of Revenue	ج.م65.47m
Gross Profit	ج.م1.09b
Other Expenses	ج.م324.86m
Earnings	ج.م764.39m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.36
Gross Margin	94.33%
Net Profit Margin	66.20%
Debt/Equity Ratio	444.4%

How did VALU perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/04/12 07:04
End of Day Share Price	2026/04/09 00:00
Earnings	2025/12/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

U Consumer Finance S.A.E. is covered by 3 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Hany Amer	Arab African International Securities
Monette Doss	Beltone Financial
Sherif El Etr	CI Capital Research

U Consumer Finance S.A.E.CASE:VALU Stock Report