Valu, Egypt-based fintech platform, has announced its financial and operational outcomes for the first half of 2025, representing its inaugural earnings release since becoming a publicly listed entity on the Egyptian Exchange (EGX). Total loans issued during H1 2025 reached EGP8.9 billion ($184.3 million), an increase of 60 percent Year-on-Year (Y-o-Y). Gross revenue for this period amounted to EGP2.6 billion ($53.8 million), up 94 percent Y-o-Y, while net income soared to EGP341 million ($7 million), marking a 64 percent rise compared to the same timeframe last year. Gross Merchandise Value (GMV) for H1 2025 was recorded at EGP10.6 billion, reflecting an 80 percent increase from H1 2024, propelled by a 133 percent surge in transactions to 3.6 million. This brings the GMV Business-to-Date (BTD) to EGP46 billion, supported by 11.9 million transactions BTD. Valu’s market share has grown to 25 percent, reinforcing its status as Egypt’s leading lifestyle-enabling fintech platform.
In the second quarter of 2025, Valu sustained its upward trajectory, achieving EGP1.52 billion in gross revenue, a remarkable 96 percent increase Y-o-Y, and EGP217 million in net income, a 121 percent rise compared to Q2 2024. GMV for the quarter stood at EGP5.21 billion, while transactions reached 1.89 million, illustrating ongoing operational scale and customer engagement.
Strong operational performance
“Valu’s first earnings release as a listed company marks a pivotal moment in our journey,” stated Valu CEO Walid Hassouna. “We have transitioned from a disruptive startup to a publicly listed company with a proven track record of profitability and strong performance in the first half of 2025, a milestone that cements our evolution. These results reflect the resilience of our business and the effectiveness of our product development strategy, from the rapid adoption of our prepaid card to the scalable expansion of our auto-loan offering, Shift. We’ve broadened our customer base, increased repeat usage, and maintained portfolio quality while scaling rapidly. The Amazon transaction, through which Amazon acquired a direct stake in Valu and our EGX listing, has unlocked new strategic levers to accelerate progress, deepen our funding base, and extend our regional footprint, with Jordan marking our first MENA entry beyond Egypt.”
Valu’s operational performance has been bolstered by its diverse product suite and disciplined execution. The company’s prepaid card, launched over a year ago, has quickly gained traction, with transaction spending more than tripling Y-o-Y and average daily expenditure reaching EGP10.6 million in Q2 2025. The Shift auto loan product has also played a significant role in GMV growth, reflecting increasing demand for large-ticket financing solutions. Customer engagement has remained robust, with activated customers totaling 831 thousand and repeat customer rates rising by 24 percent Y-o-Y.
Read more: Valu debuts on EGX with $6.6 million dividend distribution from EFG Holding
Strong funding base
“We are building a regional fintech champion, created to support financial inclusion, powered by technology, and designed to answer the evolving needs of millions of customers. Our results reflect our model’s strength, our team’s agility in meeting market needs, and the trust of our stakeholders, which has kept them loyal to us. As we look ahead, we remain focused on expanding our footprint, enhancing our product offerings, and delivering sustainable value to our shareholders and the communities we serve,” added Hassouna.
The company also reached key strategic milestones during this period. In March, Valu obtained approval for its Fintech Operating License from the Financial Regulatory Authority, enabling fully digital onboarding. In July, Valu secured initial approval from the Central Bank of Jordan to commence operations, marking the onset of its regional expansion.
Valu’s funding base remains strong, with EGP10 billion in authorized credit limits and EGP16 billion in completed securitizations to date. The company’s fourth securitization program, valued at EGP10 billion and backed by an EGP13 billion portfolio, received FRA approval in July, further enhancing its financial flexibility.
