e-finance for Digital and Financial Investments (EFIH) Q3 2025 earnings summary

Executive summary

• 9M2025 revenue rose 44.2% YoY to EGP 4,966.1m; EBITDA increased 61.2% to EGP 2,504.5m, with a 50.4% margin.

• Net profit was EGP 1,871m; net profit after NCI was EGP 1,829.7m, while adjusted net profit reached EGP 1,999.1m.

Financial highlights

• 9M gross profit rose 55.8% to EGP 2,782.3m, with gross margin up 4.2 percentage points to 56.0%; operating profit was EGP 1.987bn.

• 3Q revenue increased 49.7% to EGP 1,736.2m; EBITDA was EGP 885.7m, net profit EGP 748m and adjusted net profit EGP 731.6m.

• 9M investment income grew 26.4% to EGP 493.8m, while interest income fell 50.7% to EGP 133.7m.

• 9M operating cash flow was EGP 981m versus EGP 663m; cash and cash equivalents for cash-flow purposes ended at EGP 1.482bn.

Segment performance

• Digital Operations revenue rose 36.7% to EGP 4,290.5m; cloud hosting grew 63.5% to EGP 1,746.2m, transactions 34.8% to EGP 1,632.8m and build & operate 16.7% to EGP 833.7m.

• Services and operation of cards generated EGP 1.937bn revenue and EGP 1.194bn gross profit at a 62% margin; cloud services generated EGP 1.743bn revenue and EGP 1.424bn gross profit at an 82% margin.

• eNovate revenue rose 12.9% to EGP 302.1m; eKhales revenue grew 1.5% to EGP 103.4m.

• enable revenue grew 40.3% to EGP 122.0m, while eAswaaq revenue increased 75.5% to EGP 392.4m.

• Integrated solutions recorded EGP 250m revenue and EGP 170m gross profit; other activities had a gross loss of EGP 207m on EGP 411m revenue.