e-finance for Digital and Financial Investments S.A.E.

e-finance for Digital and Financial Investments S.A.E.

EEGX:EFIH
21.00
EGP
-2.90
(-12.13%)
0.91EPS
22.59P/E
70.34BMarket Cap
Nov 18Next Earn
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.22
0.3
0.37
0.64
0.79
1.15
1.5
1.95
2.23
Basic EPS, GAAP
0.05
0.08
0.11
0.17
0.24
0.37
0.51
0.69
0.9
Free Cash Flow per Basic Share
- -
- -
0.07
-0.01
0.13
-0.02
0.06
0.43
0.56
Dividend per Share
- -
- -
0.06
0.07
0.06
0.21
0.23
0.29
0.17
Book Value per Share
0.21
0.33
0.36
1.16
1.32
1.59
1.93
2.49
2.88
Tangible Book Value per Share
0.21
0.33
0.36
1.16
1.3
1.54
1.87
2.44
2.84
Basic Weighted Avg Shares
3,333
3,333
3,333
3,056
3,338
3,399
3,467
3,467
3,467
Sales/Revenue/Turnover
733
984
1,232
1,963
2,644
3,899
5,209
6,773
7,718
Operating Margin (%)
30.32
31.41
34.41
34.9
32.25
31.31
35.27
37.12
38.63
Depreciation Expense
- -
- -
52
74
98
156
237
252
257
Net Income, GAAP
176
271
354
520
804
1,258
1,776
2,405
3,113
Effective Tax Rate (%)
19.48
22.15
22.89
29.96
32.79
31.51
27.2
27.99
26.43
Profit Margin (%)
24.06
27.56
28.72
26.47
30.41
32.26
34.09
35.51
40.34
Working Capital
561
936
999
3,401
3,939
3,728
4,171
4,877
6,012
LT Debt
- -
- -
73
60
60
107
63
43
128
Total Equity
689
1,139
1,264
3,944
4,631
5,600
6,837
8,783
10,099
Return on Invested Capital (%)
- -
25.14
23.9
16.33
12.4
15.12
20.01
21.81
25.35
Return on Capital (%)
- -
30.41
29.12
19.21
18.07
23.75
27.75
29.94
35.05
Return on Common Equity (%)
- -
30.16
30.6
20.44
19.01
25.01
29.19
31.41
36.25

Capital Structure

EGP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
69
375
79
LT Borrowings
- -
- -
- -
LT Finance Leases
43
44
128
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,467
3,467
3,467
Market Capitalization
64,099
62,400
70,339

Working Capital

EGP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
6,929
7,971
7,832
Cash, Cash Equivalents & STI
2,848
3,187
3,261
Accounts Receivable, Net
1,988
2,054
1,946
Inventories
261
260
234
Total Current Liabilities
2,051
3,068
1,820
Payables & Accruals
- -
- -
- -
ST Debt
69
375
79
Deferred Revenue
- -
- -
- -

Growth Rates

EGP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
60.17%
28.47%
Free Cash Flow
- -
-409.07%
624.15%
Net Income, GAAP
- -
46.93%
35.44%
Sales/Revenue/Turnover
- -
41.02%
30.02%
Total Cash Common Dividend
- -
64.29%
26.13%

Quarterly Revenue

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,149
1,134
1,160
1,766
5,209
2025
1,619
1,611
1,736
1,807
6,773
2026
2,248
1,927
- -
- -
- -

Quarterly Earnings Per Share

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.07
0.18
0.11
0.51
2025
0.17
0.14
0.21
0.17
0.69
2026
0.25
0.27
- -
- -
- -

Quarterly Dividends Per Share

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
0.13
0.23
2025
- -
- -
0.01
0.16
0.29
2026
- -
- -
- -
- -
- -

Company Description

CEO
Ibrahim Ali Sarhan
Full Time Employees
1,148
Sector
Technology services
Industry
Packaged software
Address
Giza Egypt
IPO Date
Oct 20, 2021
Business
e-finance for Digital and Financial Investments S.A.E. is an Egypt-based investment holding company that operates as a developer and operator of financial technology platforms, digital payment infrastructure, government transaction networks, sovereign cloud solutions, and business process outsourcing services. Founded in 2005 and headquartered in Smart Village, Giza, Egypt, the company serves government ministries, financial institutions, private enterprises, merchants, and retail consumers primarily across Egypt, with growing operations in the Middle East and North Africa region, including Saudi Arabia. The company operates through specialized subsidiaries and business units encompassing: e-finance for Digital Operations, which develops and manages the Government Financial Management Information System (GFMIS), national revenue collection and settlement systems, electronic customs clearance, digital pension distribution, and automated fare collection networks; eCards, which provides smart card manufacturing, personalization, card management systems, instant issuance technology, and digital credential management for banking, transportation, and national health programs; Khales, which operates a retail bill aggregation network, payment gateway solutions, merchant acquiring platforms, and point-of-sale (POS) terminal networks connecting utility providers, telecommunications operators, educational institutions, and e-commerce merchants to consumer payment channels; eAswaaq Misr, which develops and manages multi-sector digital commerce marketplaces, agri-fintech platforms (such as Mahsoly), B2B trading ecosystems, and digital tourism ticketing platforms for historical monuments and museums; eTax, a specialized joint venture with the Egyptian Ministry of Finance providing electronic tax filing, e-invoicing, electronic receipt systems, core tax administration platforms, and technical consultancy; eHealth, which manages digital health platforms, claims management systems, and technology infrastructure for Egypt's Universal Health Insurance System (UHIS); e-Nable, which delivers business process outsourcing (BPO), omni-channel contact center operations, customer support, and human resources outsourcing; and Sovereign Cloud and Data Center Services, offering Tier III certified hosting, enterprise cloud infrastructure, cybersecurity management, disaster recovery, and software-as-a-service (SaaS) solutions. In recent developments, e-finance for Digital and Financial Investments S.A.E. has accelerated its regional expansion by establishing e-finance Saudi Arabia headquartered in Riyadh to export its digital transaction platforms, cloud infrastructure, and fintech services to the Gulf Cooperation Council (GCC) market. The company has expanded its sovereign cloud capabilities through multi-million dollar capital investments and strategic technology partnerships with global technology providers including IBM, Microsoft, Pure Storage, and Cisco to deliver hybrid cloud and enterprise artificial intelligence solutions in Egypt. In the tourism and culture sector, the company has deployed nationwide automated e-ticketing and digital payment systems across major archaeological sites, temples, and museums in partnership with the Ministry of Tourism and Antiquities. Additionally, the group expanded the deployment of its eHealth digital platform to support the phased rollout of the Universal Health Insurance System across additional Egyptian governorates, broadened its e-invoicing and digital receipt integrations through eTax, and continued to scale its merchant network and digital lending facilitation platforms across retail and business sectors following cornerstone equity investment and strategic backing from the Saudi Egyptian Investment Company, a wholly owned subsidiary of the Public Investment Fund (PIF).