Valu, an Egyptian leading lifestyle-enabling fintech platform delivering comprehensive financial solutions to individuals and businesses, maintained its strong growth trajectory in the first half of 2025, achieving record financial and operational performance.
The company’s gross revenue for the period reached EGP 2.6 billion, up 94% year-on-year, fueled by a significant increase in interest-based revenues, including EGP 824 million from consumer finance and EGP 910 million from securitization gains.
Net revenue climbed 73% to EGP 1.28 billion, despite elevated financing costs from the 600-bps corridor rate hike in March 2024, partially offset by rate cuts of 225 bps in April and 100 bps in May 2025. Net income stood at EGP 341 million, marking a 64% increase from the same period last year, highlighting Valu’s ability to scale profitably.
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Operationally, Valu recorded a GMV of EGP 10.56 billion, an 80% year-on-year increase, driven by a 133% surge in transactions to 3.6 million. Daily GMV averaged EGP 57.9 million, while total issuances reached EGP 8.9 billion. Growth was bolstered by higher transaction volumes in large-ticket products, notably Shift, Valu’s auto loan solution. Repeat customers rose 24%, reflecting the company’s shift from being solely an affordability solution to becoming a preferred payment method.
Valu continues to balance interest and non-interest-bearing products, boosting transaction frequency and customer acquisition while preserving strong margins. Also, in H1 2025, the fintech was granted approval for fintech operating license. The milestone enables fully digital customer onboarding, reinforcing Valu’s commitment to innovation and enhancing the overall customer experience through seamless, tech-driven journeys.
Product Diversification Driving Growth
Valu continues to diversify its product offering, strengthening its competitive edge and positioning it to meet evolving market needs. The fintech’s agile product strategy focuses on maximizing overall returns rather than individual product performance.
New offerings such as Shift, Loans, and the Prepaid Card are significantly gaining market traction, contributing larger portions to GMV. Notably, the Prepaid Card, launched just over a year ago, has shown exponential growth, with 2Q25 top-up and spending volumes more than doubling year-on-year, and spending transactions increasing 3.3x.
Customers are using the card extensively, validating the card’s proposition, as they average 15.6 spending transactions over the past 12 months. The 2.1 ratio of spending to top-up transactions underscores its role as an everyday payment solution rather than a tool for occasional large purchases.
Valu is also expanding regionally. On July 10, 2025, the fintech received initial approval from the Central Bank of Jordan (CBJ) to launch operations. This milestone marks a significant step in Valu’s regional expansion, driven by the recognition of Jordan’s dynamic market potential and growing demand for flexible, accessible financial solutions.
The decision to launch in Jordan is supported by solid preparatory efforts, including the recruitment of seasoned professionals and the development of strategic relationships with leading merchants and financial institutions.
Market Leadership and Outlook
Since its launch in 2017, Valu has pioneered BNPL (Buy Now, Pay Later) solutions in the MENA region through U, offering flexible financing plans of up to 60 months across more than 6,000 retail locations and 1,500+ online stores. Today, the company holds a 25% market share, supported by disciplined risk management and strong underwriting practices, ensuring asset quality despite rising loan volumes.
With its robust performance in H1 2025, Valu continues to solidify its position as a universal financial technology powerhouse, delivering innovation, scale, and customer-centric solutions to meet evolving market needs.