التكنولوجيا وأخبارها بوابة مصر لأخبار تكنولوجيا المعلومات والإتصالات وفي أفريقيا كما تعتبر مصدر رئيسي للمعلومات حول تكنولوجيا المعلومات والاتصالات والفرص الاستثمارية المرتبطة بالاقتصاد الرقمي في المنطقة بالكامل
Egypt’s leading digital financial services platform, Fawry (EGX: FWRY.CA), has announced its consolidated financial results for the quarter ending 31 December 2025, revealing strong growth across all major business segments and the highest profitability margins in the company’s history.
For the full year 2025, the company recorded total revenues of EGP 8,651.5 million, marking a 57% year-on-year increase. Earnings before interest, taxes, depreciation, and amortization (EBITDA) reached EGP 4,968.1 million, up 81%, while net profit surged 80% to EGP 2,889.2 million.
The results also translated into record margins for the company, with an EBITDA margin of 57.4% and a net profit margin of 33.4%, highlighting the scalability and operational strength of Fawry’s digital financial ecosystem.
Strong Revenue Growth Across Business Segments
Fawry’s financial performance in 2025 reflected broad-based growth across its diversified business lines, reinforcing the company’s strategy of expanding beyond its traditional payment services.
Banking Services continued to represent the largest contributor to revenues, growing 52% year-on-year and accounting for 40.6% of total revenues in FY2025.
Meanwhile, Financial Services recorded the fastest expansion, surging 135% year-on-year and contributing 27.5% of total revenues. This sharp increase was largely driven by the company’s growing presence in digital financial solutions and neobanking services.
The Alternative Digital Payments (ADP) segment — one of the company’s oldest business lines — maintained steady performance with 17.6% annual growth, representing 23.2% of total revenues.
Fawry’s Supply Chain Solutions segment also delivered strong progress, rising 42.9% year-on-year, although it still accounted for a relatively modest 5.7% of total revenues.
Additionally, the Technology and Other segments, which collectively contribute 2.9% of total revenues, recorded rapid growth of 93.1% year-on-year, reflecting expanding demand for digital infrastructure services.
Transaction Throughput and Lending Portfolio Expand Rapidly
Operational indicators also demonstrated strong momentum throughout 2025.
The company’s total throughput value — representing the total value of transactions processed through its platform — climbed 56.8% year-on-year to EGP 943.6 billion, indicating continued expansion in Fawry’s customer base across Egypt.
In parallel, the company significantly expanded its lending activities. The gross loan portfolio across micro, SME, and consumer segments grew 82.6% year-on-year, reaching EGP 5,696 million by the end of 2025.
Profitability also improved substantially during the year. EBITDA rose 80.8% year-on-year to EGP 4,968.1 million, while net profit increased 79.8% to EGP 2,889.2 million, reflecting strong operational leverage.
Financial Services Lead the Growth Story
Commenting on the company’s performance, Fawry’s Chief Executive Officer said the fourth quarter of 2025 delivered another period of strong operational and financial results.
The CEO noted that Financial Services was the largest driver of revenue growth, accounting for 43.6% of the company’s total year-on-year revenue expansion, supported by Fawry’s continued investment in neobanking solutions.
Banking Services ranked second in its contribution to revenue growth, representing 38% of the annual increase, while Alternative Digital Payments contributed 9.6% of growth, maintaining a stable expansion pace.
The Supply Chain Solutions segment also recorded notable progress with 42.9% revenue growth.
Soft POS Launch Expected to Boost Merchant Expansion
Fawry also welcomed the official rollout of the Soft POS service by the Central Bank of Egypt in February 2026, a development the company had been anticipating since completing its own Soft POS technology in 2024.
The solution enables merchants to accept contactless payments directly through NFC-enabled smartphones, removing the need for traditional payment hardware.
According to the company, the technology is expected to accelerate merchant onboarding, particularly among micro-businesses and SMEs, while reducing deployment costs and increasing transaction volumes.
The Soft POS rollout is also expected to strengthen Fawry’s data capabilities and support cross-selling of additional services such as digital lending, loyalty programs, and value-added financial products.
Expanding Investment and Financial Product Portfolio
During 2025, Fawry continued to broaden its financial product offerings across consumer and enterprise segments.
In the consumer investment space, the company introduced several new investment vehicles, including:
A Gold Fund
An EGX30 index fund
A Shariah-compliant investment fund
The company also reported significant growth in its “Fawry Yawmy” Money Market Fund, whose net asset value exceeded EGP 7 billion by the end of 2025, compared with EGP 1.2 billion a year earlier.
For corporate clients, Fawry launched a Corporate Card program designed to improve business expense management.
Small and medium-sized enterprises also benefited from new solutions introduced during the year, including a digital payroll system, a medical insurance product, and a BNPL for Business service aimed at facilitating supplier payments and improving working capital efficiency.
Rapid Growth in Digital Customers and Financial Services
Fawry reported significant expansion in its customer ecosystem during 2025, particularly through its myFawry mobile application and prepaid card services.
The number of issued prepaid cards reached 2.7 million, representing a 172% year-on-year increase.
To support this growth, the company enhanced its call center infrastructure, improving response times and overall service quality. These improvements helped strengthen customer trust, reduce churn rates, and increase lifetime customer value.
BNPL Services and Digital Insurance Gain Momentum
Fawry’s BNPL for Business platform has gained strong traction among small merchants.
The company reported onboarding 120,000 merchants into the service, with credit limits exceeding EGP 1 billion and more than EGP 10 billion in transactions processed since launch.
In the insurance segment, the company’s Sehetak Fawry medical insurance program now covers over 350,000 individuals.
Additionally, the platform facilitated the issuance of 1.1 million digital insurance policies during 2025, compared with 670,000 policies in the previous year, reflecting growing demand for accessible digital financial services.
Artificial Intelligence Driving Future Innovation
Technology remains a central pillar of Fawry’s long-term growth strategy.
The company revealed that artificial intelligence is now deeply integrated into its development and customer engagement processes, with around 35% of new software code produced using AI-assisted tools.
This approach has accelerated product development cycles and improved overall software quality.
Fawry is also deploying AI-driven personalization tools across customer acquisition, retention, and support channels. As part of its broader technology roadmap, the company plans to launch a proprietary large language model (LLM) chatbot before the end of the year.
Balanced Strategy Supports Long-Term Growth
Despite its rapid expansion, Fawry emphasized that it has maintained a disciplined growth strategy focused on optimizing customer lifetime value, scaling revenue streams strategically, and maintaining strict cost controls.
The company noted that its 2025 performance reflects a balanced approach combining innovation, operational efficiency, and strategic investment — laying a strong foundation for sustained growth in Egypt’s rapidly evolving digital financial services market.
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