Valu reports outstanding 9M 2026 results

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Driven by disciplined credit selection, rapid product diversification, and regional expansion into Jordan, Valu delivered strong growth across key operational and financial metric…

Cairo, Egypt — Valu, the MENA region’s leading universal financial technology powerhouse, announced today its financial and operational results for the first nine months of 2026 (9M26). Navigating an uncertain macroeconomic and geopolitical backdrop, Valu demonstrated remarkable agility and resilience by balancing operational expansion with strict risk discipline. Gross revenue for the period expanded 36% year-on-year (y-o-y) to reach EGP 5.33 billion, while net revenue grew by 53% y-o-y to EGP 3.08 billion, supported by accelerated growth across the merchant network, securitization gains, and interest income.

Operational momentum remained exceptionally strong across Valu's multi-product ecosystem. Gross Merchandise Value (GMV) reached EGP 24.7 billion, representing a 43% y-o-y growth, while loan issuances expanded 48% y-o-y to EGP 21.5 billion across 8.3 million transactions. The activated customer base grew 14% y-o-y to 993K customers, with customer engagement deepening to an average of 16.0 transactions per customer. Valu's principal outstanding portfolio expanded by 46% y-o-y to EGP 19.04 billion, or EGP 13.5 billion excluding securitized assets.

Commenting on the performance, Walid Hassouna, Chief Executive Officer of Valu, stated: “In a market where consumer credit is growing fast, discipline matters as much as reach. Over the first nine months of 2026, we always deliberately put quality ahead of volume. Our cumulative approval rate tightened to 54.85% from 58.12% in 2025, as a healthier credit book lets us keep lending to customers through every cycle. That discipline gave us room to move on two fronts seeing strategic investments weigh on near-term results, while vertical and horizontal expansion builds a foundation for sustainable long-term growth.

The period marked significant operational progress across new product verticals and regional expansion. In Q3 2026, Valu launched El Gameya, an in-app rotating savings circle that completed EGP 15 million in…

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