e-finance for Digital and Financial Investments (EFIH) Q3 2026 earnings summary

Executive summary

• 9M revenue was EGP2.437bn and net profit after tax EGP2.216bn, compared with EGP1.620bn and EGP1.450bn, respectively, in 9M 2025. KPMG’s review found no matter causing it to believe the statements were not prepared in all material respects under Egyptian Accounting Standard 30.

Financial highlights

• 9M gross profit reached EGP2.167bn vs EGP1.402bn; net operating profit was EGP2.025bn vs EGP1.318bn.

• Q3 revenue was EGP1.030bn vs EGP711.9m; net profit after tax was EGP962.5m vs EGP701.3m.

• 9M finance income was EGP419.3m vs EGP306.6m, while finance costs were EGP2.7m vs EGP5.5m.

• 9M operating cash flow was EGP1.209bn vs EGP212.9m; cash and cash equivalents ended September at EGP1.055bn vs EGP432.7m at Dec. 31, 2025.

Key financial ratios and metrics

• Basic EPS was EGP0.54 for 9M 2026 vs EGP0.35 for 9M 2025; Q3 EPS was EGP0.24 vs EGP0.18.

• Total assets were EGP9.859bn at Sept. 30, 2026 vs EGP7.913bn at Dec. 31, 2025; equity was EGP9.119bn vs EGP7.117bn.

• Net liabilities to equity were -3.45% at Sept. 30, 2026 vs 5.11% at Dec. 31, 2025, reflecting cash exceeding total liabilities at the 2026 period end.