Aman Holding Reports 49% Revenue Growth in 2025, Driven by Fintech Expansion and AI Integration
Aman Holding, one of the integrated fintech platforms under Raya Holding for Financial Investments, reported strong financial performance for the fiscal year 2025, supported by continued momentum across its fintech platforms, an expanded distribution network, and growing adoption of its digital financial services.
The company’s revenues increased by 49.1% year-on-year to reach approximately EGP 9.553 billion in 2025, compared with EGP 6.410 billion in 2024, reflecting accelerated transaction growth and an expanding customer base.
Growth was primarily driven by net financing income, which accounted for 38.8% of total revenues, followed by digital consumer goods services at 31.3%, while collection and transaction fees contributed 13.9%.
Total Gross Transaction Value (GTV) rose by 47.6%, reaching approximately EGP 103.859 billion, highlighting increased customer engagement and broader adoption of Aman’s digital financial ecosystem.
Operational efficiency also improved significantly as Aman expanded its use of advanced analytics powered by artificial intelligence, particularly in its collections activities. Predictive tools helped optimize customer targeting, communication timing, and engagement strategies, improving collection rates, reducing default risks, and generating measurable cost savings without increasing headcount.
AI Applications and Digital Innovation
The company further expanded AI applications to include human resources analytics, customer satisfaction measurement, and churn prediction, in addition to upgrading operational systems. Credit process automation reduced application processing time by 24%, enhancing scalability while improving customer experience.
Growth was also supported by product innovation, expansion of Islamic finance services, and stronger integration across the company’s ecosystem. Aman continued leveraging its integrated operating model as a key competitive advantage.
The company also expanded its Super App to include Sharia-compliant consumer financing solutions, supported by a newly established Sharia supervisory committee.
Islamic financing services were rolled out nationwide through dedicated outlets and specialized branches, while Aman’s internal merchant network continued to support cross-selling between consumer finance and microfinance products. This led to the onboarding of more than 3,200 new merchants and the execution of over 18,000 installment transactions.
Profitability Performance
Gross profit increased by 58.3%, reaching approximately EGP 4.019 billion, with the gross margin expanding by 3.5 percentage points to 43.1%, supported by improved revenue mix and stronger operational execution.
EBITDA rose by 83% to around EGP 1.491 billion, while the EBITDA margin improved by 2.9 percentage points to 15.6%, reflecting stronger operating leverage, disciplined cost management, and increased contributions from high-value services.
This performance underscores Aman Holding’s continued expansion in providing innovative digital financial solutions that support financial inclusion and accelerate digital transformation in the Egyptian market. The company is focusing on further product innovation and deeper integration between financing services and digital payments.
Founded in 2016, Aman Holding has become one of Egypt’s leading fintech platforms and a core investment within Raya Holding for Financial Investments. Its integrated ecosystem spans digital payments, financial services, consumer finance, microfinance, and securitization, supporting the country’s transition toward a cashless economy.
The group operates through several subsidiaries including Aman for Electronic Payments, Aman Financial Services, Aman Consumer Finance, Aman Microfinance, and Aman Securitization.