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

Cairo: Valu, a prominent financial technology firm in Egypt, has reported impressive financial results for the first quarter ending March 31, 2026. This growth is attributed to its strategic transition into a fully integrated lifestyle financing platform. The company recorded gross revenues of USD 28.7 million, marking a 40% increase year-over-year (Y-o-Y). Additionally, net income surged by 78% Y-o-Y, reaching USD 4.17 million. The gross merchandise value (GMV) also saw a significant rise of 31% Y-o-Y, 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. Valu maintained a substantial market share of 26.5% as of January 2026, alongside a disciplined Non-Performing Loan (NPL) ratio of 1.24%, highlighting its capacity for profitable growth amid fluctuating economic conditions.

Sustained Operational Momentum

Valu’s operational metrics reflect robust growth across key performance indicators. The average daily GMV increased to USD 1.64 million, while daily transactions reached 28,000. Customer engagement has deepened, with transaction frequency per customer rising to 8.1 times in Q1 2026, up from 6.5 times in the same period last year. This growth is bolstered by Valu’s established market leadership and a network of over 9,500 merchant partners, which creates a significant barrier to entry and provides a unique data advantage. The company is also committed to enhancing 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.

Diversified Product Ecosystem

Valu’s product ecosystem exhibits considerable 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% Y-o-Y 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 demonstrated 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. Furthermore, the end-to-end marketplace, Shop’IT, achieved a milestone with a total GMV of USD 4.3 million since its inception.

Strategic Expansion and Future Outlook

Walid Hassouna, CEO of Valu, emphasized the significance of the company’s performance in Q1 2026. He noted that the results reinforce the scalability of their model and the successful transition into a comprehensive lifestyle-enabling companion for users. The quarter was characterized by exceptional profitability, with the net profit margin expanding to 14.7% and the net interest margin reaching 18.9%. Hassouna highlighted that Valu is not just growing but doing so intelligently by leveraging its proprietary credit engine to maintain asset quality while expanding into high-velocity segments. The company is also poised for new regional and B2B growth opportunities, particularly with the soft opening of operations in Jordan and the formal approval to establish an SME financing subsidiary.

To support its expansion goals, Valu has 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 also featured high-velocity capital recycling, with 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 maneuvers injected USD 39.7 million in liquidity into the business, signaling strong market confidence in the quality of Valu’s underlying assets.

Digital Transformation and Regional Launch

In Q1 2026, Valu achieved several strategic milestones, including the enhancement of its fully digitized experience by enabling instant large-ticket financing through its app, starting from USD 18,900 using only a national ID. This initiative aligns with the company’s regional expansion strategy, as Valu 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 introduction of Valu’s digital financing solutions in the Jordanian market, part of its broader plans for regional growth.

Valu (Legal name: U Consumer Finance S.A.E.) is recognized as a leading financial technology powerhouse, offering a wide range of financial solutions to customers and businesses. It is the first fintech company providing consumer finance to be listed on the Egyptian Exchange (EGX), with Amazon holding a direct stake in the firm, underscoring Valu’s growth trajectory and dynamic business model.

Valu has pioneered Buy-Now, Pay-Later (BNPL) solutions in the MENA region, offering customizable financing plans for up to 60 months across more than 9,000 stores and online platforms. The company covers diverse categories, including home appliances, electronics, healthcare, and travel. Additionally, Valu provides investment products, an instant cash redemption program, and high-end financing options for luxury purchases.

The company has also expanded its offerings to include business-to-business solutions through Valu Business, and introduced a prepaid card and co-branded credit card in collaboration with Visa, enhancing its payment options for 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

Source: www.zawya.com

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