Fawry (FWRY.CA on the Egyptian Exchange), Egypt’s largest digital only financial services platform, announced its consolidated results for the quarter ended 31 December 2025, Invest-Gate reports.

For the full year 2025, the company recorded revenues of EGP 8,651.5 million, EBITDA of EGP 4,968.1 million, and net profit of EGP 2,889.2 million, reflecting strong year on year growth of 57%, 81%, and 80%, respectively. These results translated into the highest margins in the company’s history, with an EBITDA margin of 57.4% and a net profit margin of 33.4%, underscoring the continued strength and scalability of Fawry’s business model.

Financial & Operational Highlights (FY2025)

• Revenues increased by 57% year on year to EGP 8,651.5 million, with robust growth across all business lines.
• Banking Services grew by 52.0%, contributing 40.6% of total FY2025 revenue.
• Financial Services surged by 135.0%, accounting for 27.5% of total revenue.
• Alternative Digital Payments (ADP) grew by 17.6%, representing 23.2% of total revenue.
• Supply Chain Solutions advanced by 42.9%, contributing 5.7% of total revenue.
• Technology and Other segments grew by 93.1%, accounting for 2.9% of revenues.
• Throughput value rose 56.8% year on year to EGP 943.6 billion, reflecting expanding customer adoption across Egypt.
• Total gross loan portfolio across Micro, SME, and Consumer segments increased by 82.6% year on year to EGP 5,696 million.
• EBITDA climbed 80.8% to EGP 4,968.1 million.
• Net profit grew 79.8% year-on-year to EGP 2,889.2 million.

Chief Executive’s Review

In 4Q25, Fawry delivered another quarter of strong operational and financial performance, alongside meaningful progress in customer and revenue diversification. FY2025 revenues grew 57% year on year, while EBITDA increased 80.8% (margin of 57.4%, up 7.6 percentage points) and net profit rose 79.8% (margin of 33.4%, up 4.2 percentage points).

Financial Services was the primary contributor to top-line growth, accounting for 43.6% of year on year expansion, supported by the company’s expansion into neobanking. Banking Services followed, contributing 38.0% of growth. Alternative Digital Payments maintained solid 17.6% growth, while Supply Chain Solutions recorded a strong 42.9% increase.

The company welcomed the Central Bank of Egypt’s official launch of the Soft POS service in February 2026, having completed development of its own Soft POS solution in 2024. This rollout is expected to accelerate merchant acquisition and expand Fawry’s acceptance network, particularly among micro and SME segments. By enabling contactless payments through NFC enabled smartphones, Soft POS reduces hardware costs, streamlines onboarding, and enhances operational agility. The solution also strengthens data capabilities and supports cross selling opportunities such as digital lending and loyalty services.

During 2025, Fawry expanded its product suite across consumer, enterprise, and SME segments. In Consumer Investments, the company launched a Gold Fund, an EGX30 Index Fund, and a Shariah compliant fund. Notably, the NAV of its Money Market Fund “Fawry Yawmy” exceeded EGP 7 billion by the end of 2025, up from EGP 1.2 billion the previous year.

On the enterprise side, Fawry introduced a Corporate Card program to enhance expense management. For SMEs, the company launched a digital payroll solution, a medical insurance offering under “Sehetak Fawry,” and a “BNPL for Business” product designed to facilitate supplier payments and improve working capital efficiency.

Customer experience enhancements supported the rapid growth of the myFawry app and prepaid card base, with issued cards reaching 2.7 million up 172% year on year. Improvements to call center infrastructure boosted response times and service quality, strengthening customer trust and lifetime value.

The company onboarded 120,000 small merchants onto its BNPL for Business service, with credit limits exceeding EGP 1 billion and cumulative processed transactions surpassing EGP 10 billion since launch. The Sehetak Fawry medical insurance program now covers more than 350,000 individuals, while 1.1 million digital insurance policies were issued in 2025, up from 670,000 a year earlier.

Technology remains a key enabler of growth, with AI integrated across development and customer engagement functions. Approximately 35% of new code is produced using AI-assisted tools, accelerating time to market and enhancing quality. Fawry is also embedding AI driven personalization across acquisition and support channels and expects to launch its proprietary LLM powered chatbot by year end.

Throughout this expansion, Fawry maintained a disciplined approach to growth optimizing customer lifetime value, controlling costs, and reinforcing a resilient foundation for sustained performance.

Eng. Ashraf Sabry
Chief Executive Officer