Valu Accelerates Growth in Q1 2026 with 40% Revenue Surge and 78% Net Income Increase

Cairo: Valu, Egypt’s prominent financial technology company, has reported impressive financial results for the first quarter ending March 31, 2026. The firm has successfully transitioned into a fully integrated lifestyle financing platform, achieving gross revenues of USD 28.7 million, marking a 40% increase year-over-year. Net income soared by 78% year-over-year, reaching USD 4.17 million. The gross merchandise value (GMV) also saw a significant rise of 31% year-over-year, totaling USD 131.6 million. This growth is supported by a customer base of 924,000 activated users and a 49% increase in transaction volumes, which reached 2.53 million. As of January 2026, Valu maintained a substantial market share of 26.5% and a low Non-Performing Loan (NPL) ratio of 1.24%, reflecting its ability to foster profitable growth amid a fluctuating economic landscape.

Operational Momentum and Customer Engagement

Valu demonstrated strong operational performance across key metrics. The average daily GMV increased to USD 1.64 million, with daily transactions averaging 28,000. Customer engagement deepened, as the transaction frequency per customer rose to 8.1 times in the first quarter of 2026, up from 6.5 times in the same period last year. This growth is attributed to Valu’s established market leadership and a network of over 9,500 merchant partners, which creates a significant barrier to entry and provides valuable data insights. The company also emphasized financial inclusion, with 366,000 customers from the unbanked segment contributing USD 19.7 million in GMV and completing over 432,000 transactions during the quarter.

Diverse Product Ecosystem

Valu’s product ecosystem exhibited notable scalability and diversification across various high-velocity segments. The core “U” Buy-Now, Pay-Later (BNPL) product remains central to the platform, with GMV increasing by 25% year-over-year to USD 73.7 million. The Prepaid Card has emerged as a crucial driver of daily engagement, with spending surging by 77% to USD 31.4 million and 285,000 activated users. The Shift auto financing product also showed resilience, with a 31% GMV increase to USD 22.7 million, while Ulter and Loans for premium financing rose by 23% to USD 6.9 million. Additionally, the end-to-end marketplace, Shop’IT, achieved a total GMV of USD 4.3 million since its inception.

Strategic Insights from Leadership

Walid Hassouna, CEO of Valu, highlighted the company’s performance in the first quarter of 2026, stating that it underscores the scalability of their business model and the successful transition into a comprehensive lifestyle-enabling platform for users. He noted that the quarter was characterized by exceptional profitability, with a net profit margin expanding to 14.7% and a net interest margin reaching 18.9%. Hassouna emphasized that Valu is not only growing but doing so intelligently by leveraging its proprietary credit engine to maintain asset quality while expanding into high-velocity segments. He also mentioned the soft launch of operations in Jordan and the formal approval to establish an SME financing subsidiary, positioning the company to unlock new regional and B2B growth opportunities throughout 2026.

Capital Structure and Liquidity

To support its expansion goals, Valu strengthened its capital structure by securing authorized limits from 28 financial institutions and non-bank financial institutions (NBFIs) totaling USD 400.8 million. The quarter was marked by high-velocity capital recycling, culminating in the completion of its 21st securitization wave of USD 8.4 million and generating USD 32.1 million through various discounting and offloading transactions. Collectively, these strategic actions injected USD 39.7 million in liquidity into the business, reflecting strong market confidence in the quality of Valu’s underlying assets.

Milestones and Regional Expansion

During the first quarter of 2026, Valu achieved several critical strategic milestones. The company enhanced its fully digitized experience by enabling instant large-ticket financing through its app, starting from USD 18,900 with just a national ID. This initiative aligns with Valu’s regional expansion strategy, as the company officially launched its operations in Jordan in May 2026 after fulfilling all regulatory requirements and obtaining final approval from the Central Bank of Jordan. This launch marks the beginning of Valu’s digital financing solutions in the Jordanian market as part of its broader growth strategy.

About Valu

Valu, legally known as U Consumer Finance S.A.E. (EGX: VALU.CA), is a leading financial technology company offering comprehensive financial solutions to customers and businesses. It is the first fintech company in Egypt to be listed on the Egyptian Exchange (EGX), with Amazon holding a direct stake in the firm, highlighting Valu’s dynamic business model and growth trajectory.

Valu pioneered Buy-Now, Pay-Later (BNPL) solutions in the MENA region through its platform, offering customizable financing plans for up to 60 months across more than 9,000 stores and online platforms. The company’s offerings span various categories, including home appliances, electronics, healthcare, education, and luxury items. Valu also provides investment products, an instant cash redemption program, and a high-end financing program for significant purchases.

In addition, Valu offers business-to-business solutions through Valu Business and has introduced its prepaid and co-branded credit cards in collaboration with Visa, enhancing its payment options for customers. As an award-winning fintech player in the MENA region, Valu is committed to innovative financial solutions that meet the evolving needs of its customers.

For further information, please contact:
Albatool Alfayez
Marketing Senior Manager – Valu Jordan
balfayez@valugroup.com

The Valu Public Relations Team
News-release@valu.com.eg

May El Gammal
Group Chief Marketing & Communications Officer
melgammal@valu.com.eg

Omar Salama
Head of Communications
osalama@valu.com.eg

Note on Forward-Looking Statements:
In this press release, Valu may make forward-looking statements, including management’s expectations, strategic objectives, growth opportunities, and business prospects. These statements are not historical facts but represent Valu’s beliefs regarding future events, which are inherently uncertain and beyond management’s control.

Source: www.zawya.com

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Published on 2026-05-17 17:51:00 • By the Editorial Desk