MNT Tech Holding For Financial Investments (HALN) Q4 2025 earnings summary

Executive summary

• FY2025 revenue was EGP 19,810,484,168 versus EGP 13,234,904,062 in FY2024; net profit was EGP 1,978,398,739 versus EGP 1,371,809,429.

• The audit opinion was unqualified; comparative figures for FY2024 and FY2023 were restated following a loan-portfolio business-model change.

Financial highlights

• Operating revenue was EGP 13,181,173,236 and securitization income EGP 6,629,310,932; total revenue was EGP 19,810,484,168.

• Net operating revenue reached EGP 10,868,977,382 versus EGP 6,112,266,314; operating activities result was EGP 2,312,525,202 versus EGP 1,345,543,232.

• Profit before tax was EGP 2,820,957,474; current tax was EGP 862,455,085 and deferred tax benefit EGP 19,896,350.

• Total assets were EGP 41,334,187,181 at year-end, versus EGP 33,780,800,900 in adjusted FY2024; equity was EGP 9,110,199,410.

Outlook and guidance

• Management is studying a potential EGX listing and share offering in an upcoming period, subject to a final decision and required regulatory approvals.

• New Giza construction in progress is expected to be completed by 2028.

• After year-end, the Central Bank of Egypt cut overnight deposit and lending rates by 100 bps on 15 February 2026, to 19% and 20%, respectively.