Fawry (FWRY.CA on the Egyptian Exchange), Egypt’s largest digital-only financial services platform
reported impressive results for the full year 2025, with revenues of EGP 8,651.5 million, EBITDA of
EGP 4,968.1 million, and net profit of EGP 2,889.2 million This represents year-on-year growth of
57%, 81%, and 80%, respectively, marking the highest margins in the company’s history, including
an EBITDA margin of 57.4% and a net profit margin of 33.4%. These results reflect the continued
scalability and strength of Fawry’s business model
Key Financial Highlights for FY2025
Revenue Growth: Fawry‘s full-year revenues for 2025 surged by 57%, reaching
EGP 8,651.5 million, driven by strong performance across multiple business lines
Diversification Strategy: Fawry’s revenue diversification strategy yielded positive results in FY2025
Banking Services: Grew by 52% and now contributes 40.6% of total revenue
Financial Services: Experienced a 135% increase, accounting for 27.5% of total revenue
Alternative Digital Payments (ADP): Saw a 17.6% increase, making up 23.2% of total revenue
Supply Chain Solutions: Grew by 42.9%, representing 5.7% of total revenue
Technology and Other Segments: Showed a strong 93.1% growth but accounted
for just 2.9% of total revenue
Throughput Value: Increased by 56.8% year-on-year, reaching EGP 943.6 billion,
demonstrating Fawry’s expanding customer base in Egypt.
Gross Loan Portfolio: The total loan portfolio across micro, SME, and consumer
businesses grew by 82.6%, reaching EGP 5,696 million.
EBITDA and Net Profit: EBITDA grew by 80.8%, reaching EGP 4,968.1 million,
and net profit increased by 79.8%, reaching EGP 2,889.2 million
CEO’s Review of FY2025 Performance
Fawry’s Chief Executive Officer, Eng. Ashraf Sabry, praised the company’s solid
operational and financial performance for the year. For FY2025, Fawry delivered
a 57% increase in revenue, while profitability grew even faster, with EBITDA
growing by 80.8% and net profit increasing by 79.8%. Notably, the company
achieved an EBITDA margin of 57.4% (+7.6 percentage points) and a net profit
margin of 33.4% (+4.2 percentage points) Fawry’s strategic shift towards diversified
revenue streams played a significant role in this performance, with Financial Services
(135% growth) being the largest contributor to revenue expansion, followed by
Banking Services (52% growth). The company also saw strong performance from
Alternative Digital Payments and Supply Chain Solutions
Soft POS Service and Strategic Developments
Fawry welcomed the official launch of the Soft POS service by the Central Bank of Egypt
(CBE) in February 2026. This development positions Fawry for accelerated merchant
acquisition and expanded acceptance across Egypt, especially within micro, SME, and
underpenetrated markets. The Soft POS solution allows merchants to accept contactless
payments via NFC-enabled smartphones, eliminating the need for traditional hardware
This will reduce costs, increase transaction volumes, and enhance revenue growth
particularly through fee-based services Additionally, the Soft POS solution will support
cross-selling opportunities such as digital lending, loyalty programs, and other value-added
services while offering increased operational agility through its software-driven model
Expanding Product Suite and Financial Solutions
Throughout 2025, Fawry expanded its product offerings in key segments, solidifying its
position as a comprehensive financial services platform. In the Consumer Investments sector
Fawry launched a Gold Fund, an EGX30 Index Fund, and a Shariah-compliant Fund, with its
Money Market Fund (Fawry Yawmy) reaching a Net Asset Value (NAV) of over EGP 7 billion
by the end of 2025, up from EGP 1.2 billion in 2024 On the enterprise front, Fawry introduced
a Corporate Card program to improve expense management for businesses. Additionally
for SMEs, the company introduced innovative services such as digital payroll solutions
medical insurance offerings, and a Buy Now, Pay Later (BNPL) for Business product designed
to streamline supplier payments and improve working capital efficiency
Customer Experience and Technological Advancements
Fawry also made significant strides in improving customer experience. The myFawry app and
Prepaid Card base grew significantly, with issued cards increasing by 172% year-on-year,
reaching 2.7 million. Additionally, the company made enhancements to its call center
infrastructure to improve service quality and response times, which has helped reduce
churn and increase customer lifetime value Fawry successfully onboarded 120,000 small
merchants for its BNPL for Business service, with credit limits exceeding EGP 1 billion
and processed over EGP 10 billion in transactions since the launch. The company also
introduced its Sehetak Fawry medical insurance product, covering over 350,000 lives
and issuing 1.1 million digital insurance policies in 2025—up from 670,000 the previous year
AI and Technology Integration for Future Growth
Technology and Artificial Intelligence (AI) remain at the core of Fawry’s expansion plans.
AI is embedded in development and customer engagement processes, with 35% of new
code produced using AI-assisted tools, enhancing both speed and quality The company
plans to launch an AI-driven chatbot powered by large language models (LLMs) by the
end of 2026, marking a significant step in its long-term AI roadmap
Conclusion: A Resilient Growth Strategy
Fawry’s performance in FY2025 reflects a balanced and disciplined approach to growth,
with a strong emphasis on innovation, customer experience, and cost control By scaling
revenue streams and optimizing customer lifetime value, Fawry has laid a resilient foundation
for sustained future growth
Fawry is Egypt’s leading digital financial services platform, offering comprehensive
banking, financial, and technology solutions. With a focus on customer-centric innovation,
Fawry continues to drive the digital transformation of Egypt’s financial services sector.
