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Fawry, Egypt’s largest digital-only financial services platform listed on the Egyptian Exchange under the ticker (FWRY.CA), announced its consolidated financial results for the quarter ending 31 December 2025, reporting record performance across key financial and operational indicators for the full year.

The company recorded total revenues of EGP 8.65 billion in FY2025, representing a 57% year-on-year increase compared with EGP 5.51 billion in 2024. Strong top-line growth was accompanied by significant profitability improvements, with EBITDA rising 80.8% to EGP 4.97 billion, while net profit reached EGP 2.89 billion, marking a 79.8% increase year-on-year.

These results translated into the highest margins in Fawry’s history, with an EBITDA margin of 57.4% and a net profit margin of 33.4%, highlighting the scalability and efficiency of the company’s operating model.

Strong growth across business segments

Fawry’s revenue diversification strategy continued to gain momentum during 2025, supported by robust growth across all major business lines.

The Banking Services segment, which accounted for 40.6% of total revenue, generated EGP 3.51 billion, reflecting 52% annual growth, driven by expansion in both agent banking and merchant acceptance solutions.

Meanwhile, Financial Services emerged as the fastest-growing segment, surging 135% year-on-year to reach EGP 2.38 billion, representing 27.5% of total revenues. The growth was fueled by the company’s expansion into neobanking services, as well as increasing adoption of consumer finance, insurance brokerage, and prepaid card products.

The Alternative Digital Payments (ADP) segment generated EGP 2.01 billion, up 17.6% year-on-year, accounting for 23.2% of total revenues, while Supply Chain Solutions grew 42.9% to reach EGP 496.1 million, driven by increasing digitization of B2B payment flows between merchants, suppliers, and distributors.

Expanding transaction volumes and customer base

Operationally, Fawry maintained strong momentum throughout 2025 as digital payment adoption continued to accelerate across Egypt.

Total throughput value increased 56.8% year-on-year, reaching EGP 943.6 billion, while the company processed 2.08 billion transactions, up 7.7% compared with the previous year.

Mobile wallet usage witnessed particularly strong growth, with transaction volumes rising 63.5% to 393 million, and total processed value climbing 71.8% to EGP 835 billion.

The company’s myFawry mobile application downloads reached 24.2 million, representing a 39.4% increase year-on-year, supported by the expansion of investment products including a gold fund, an EGX30 index fund, and a Shariah-compliant fund.

Meanwhile, the number of issued prepaid cards surged 172% to 2.7 million cards, reflecting rising demand for digital financial services among Egyptian consumers.

CEO highlights growth strategy and innovation

Commenting on the results, Eng. Ashraf Sabry, Chief Executive Officer of Fawry, said the company delivered another year of strong financial and operational performance while advancing its strategy of expanding customer segments and revenue streams.

Sabry noted that Financial Services was the largest contributor to revenue growth during 2025, accounting for more than 43% of the company’s annual revenue expansion, followed by Banking Services, which contributed 38%.

He also welcomed the official launch of Soft POS services by the Central Bank of Egypt in February 2026, a development that is expected to accelerate merchant acquisition and expand digital payment acceptance among small businesses and micro-enterprises.

Soft POS technology allows merchants to accept contactless payments directly through NFC-enabled smartphones, eliminating the need for traditional point-of-sale hardware and reducing onboarding costs, which is expected to support faster network expansion.

Product expansion and technology investment

During 2025, Fawry expanded its product ecosystem across consumer, SME, and enterprise segments.

The company launched several investment solutions through its platform, including gold and equity index funds, while its money market fund “Fawry Yawmy” exceeded EGP 7 billion in net asset value by the end of 2025, up from EGP 1.2 billion in the previous year.

For SMEs, Fawry introduced a digital payroll solution, medical insurance services, and a BNPL for Business product designed to facilitate supplier payments and improve working capital efficiency.

The BNPL service has already onboarded 120,000 small merchants, with credit limits exceeding EGP 1 billion and transactions surpassing EGP 10 billion since launch.

The company also strengthened its technology capabilities, integrating artificial intelligence across development and customer engagement functions, with approximately 35% of new software code now produced using AI-assisted tools.

Strengthening Egypt’s digital financial ecosystem

Founded in 2008, Fawry has grown into Egypt’s largest digital financial services platform, serving both banked and unbanked populations through a network of 36 partner banks, more than 377,000 agents, and a customer base of approximately 54.8 million users each month.

The company currently processes more than six million transactions daily, reinforcing its position as a key enabler of Egypt’s digital payments ecosystem.