U Consumer Finance S.A.E
EEGX:VALU10.60
EGP
-0.30
(-2.75%)
U Consumer Finance S.A.E
EGX:VALU
(Egyptian Exchange)
Recent
price
10.60
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div
yld
- -
ROIC.AI
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in mil. unless spec.- Similar Companies
- Business
- U Consumer Finance S.A.E., operating under the commercial brand name Valu, is an Egypt-based financial technology company and consumer finance provider that delivers a comprehensive suite of digital lending, payment, investment, and business financial solutions. The company operates across multiple financial service segments, catering to individual retail consumers, commercial merchants, and corporate enterprises. Its primary products and services include Buy-Now, Pay-Later (BNPL) flexible installment financing programs spanning thousands of merchant partners across retail, consumer electronics, home appliances, healthcare, education, travel, home improvement, and automotive sectors; Sha2labaz, a digital cash-redemption and purchase refinancing service that enables customers to convert previously completed purchases into cash installments; Ulter, a specialized financing program designed for high-ticket luxury goods and bespoke lifestyle purchases; Spark, a fast-approval, short-term micro-lending solution for small-ticket consumer purchases; AZ Valu, a daily-interest money market investment fund launched in partnership with asset manager Azimut; digital savings, wealth accumulation, and investment management products; prepaid payment cards and co-branded Visa cards enabling seamless point-of-sale and online transactions; and Valu Business, a dedicated corporate and commercial platform offering employee payroll management, payroll card issuance, employee financing programs, and data-driven small-and-medium enterprise (SME) lending facilities. Founded in 2017 and headquartered in Giza, Egypt, the company operates as a key subsidiary of EFG Holding and serves a broad consumer and merchant base primarily in Egypt, while expanding its geographic reach across the Middle East and North Africa region. In recent major developments, the company completed its public listing on the Egyptian Exchange under the ticker symbol VALU following an in-kind share distribution by parent company EFG Holding; global technology and e-commerce leader Amazon acquired an equity stake in the company; the firm secured regulatory authorization from Egypt's Financial Regulatory Authority to expand into direct SME financing; executed its regional expansion strategy by officially launching consumer financing operations in Jordan; and established multiple strategic partnerships with international payment networks and institutional asset managers to expand its card issuing infrastructure and digital investment product offerings.