الوسم: alekhbaryia

 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.