Valu’s Market Capitalization Surges to EGP 19.8 Billion by End of 2025
The market capitalization of Valu, Egypt’s leading consumer finance and buy-now-pay-later (BNPL) platform, surged to EGP 19.8 billion by the end of 2025, marking a milestone year of strong operational growth and sustained investor momentum.
The surge reflects Valu’s continued expansion in financing volumes, a growing customer base, and the wider adoption of its embedded digital financial services across the consumer purchase journey. The company’s flexible installment solutions and BNPL offerings now serve thousands of merchants and consumers across Egypt, while maintaining a solid operational footprint in Saudi Arabia and advancing broader regional expansion ambitions.
Stock Market Debut Marks a Turning Point
2025 represented a transformative year for Valu following its listing on the Egyptian Exchange on May 21, 2025. Trading officially commenced on June 23, 2025 through an in-kind distribution of Valu shares to shareholders of its parent company, EFG Holding, in a non-traditional structure that replaced a conventional cash IPO.
The approach aimed to maximize shareholder value while ensuring strong liquidity from the first day of trading. In its debut session, Valu’s share price jumped from a reference price of EGP 0.777 to close at EGP 7.40 per share, representing a record surge of more than 850 percent. The sharp rally underscored robust demand from both local and foreign investors and renewed attention on Egypt’s digital consumer finance sector.
Technology-Driven Business Model
Valu’s business model is built on a robust technology infrastructure that leverages data analytics, rapid credit scoring systems, and fully integrated digital applications for both merchants and consumers. The company operates an extensive partner network spanning electronics, durable goods, furniture, education, healthcare, and travel, positioning Valu as a central player in Egypt’s embedded finance ecosystem.
According to post-listing disclosures, Valu’s authorized capital stands at EGP 210.6 million, distributed across 2.1 billion shares with a nominal value of EGP 0.10 per share, reflecting a broad shareholder base and enhanced free float flexibility.
Strategic Investment Strengthens Global Confidence
In terms of ownership structure, EFG Holding remains Valu’s largest shareholder following the in-kind distribution. Meanwhile, global technology giant Amazon holds approximately 3.95 percent of Valu’s shares, representing a strategic investment that reinforces international institutional confidence in the company’s scalable growth model and its digitally integrated credit solutions linked to commerce platforms.
Sustained Growth and Regional Expansion
Valu’s market capitalization growth by the end of 2025 highlights the stock’s recovery and the durability of its growth trajectory amid rising demand for flexible digital credit solutions. The trend is supported by shifting consumer behavior toward more seamless and integrated financing options, reinforcing Valu’s role in advancing financial inclusion across Egypt and regional markets.
Since its mid-2025 listing, Valu has executed a series of operational and strategic initiatives that strengthened its position in the fintech landscape. These include renewed cooperation agreements with key partners such as Amazon Egypt to enhance customer access to digital credit on e-commerce platforms. The company also launched innovative BNPL services in collaboration with local partners, including MobileMasr, enabling financing for used smartphones under a “buy now, pay later” model - a notable expansion beyond traditional financing categories.
On the regional front, Valu has progressed toward securing preliminary regulatory approvals to enter new markets, including Jordan, as part of its broader expansion strategy outside Egypt.
Financial Performance and Funding Strategy
Financially, Valu reported strong performance, with consolidated net profits recording a significant increase during the first nine months of 2025 compared to the same period a year earlier. The growth reflects improved operational efficiency and rising demand for its services.
To support its expansion, the company completed multiple securitization bond issuances exceeding EGP 1 billion and received board approval for a broader bond issuance program of up to EGP 3 billion. These steps are designed to strengthen Valu’s funding base and sustain long-term growth.
Together, these developments highlight Valu’s post-listing dynamism and its ability to translate capital market participation into tangible value creation for shareholders and the wider financial market