Ashraf Sabry, Chairman of Fawry, said that his company continued its growth trajectory during the second quarter of 2025, achieving impressive operational and financial growth. It also made significant progress in its strategy to create sustainable value and diversify its revenue sources. Overall,…
In press statements, Sabry added that Fawry’s revenues achieved strong growth of 62.6% year-on-year for the second quarter of 2025, while profitability remained at healthy levels, with an EBITDA margin of 56.5% (+9.4 percentage points). Net profit increased by 102.6%, and profit margins improved by 6.5 percentage points to 33.1%.
Regarding the performance of the main sectors, Sabry said that the financial services sector was the leading contributor to total revenue growth during the second quarter of 2025, contributing 47.3% of the total year-on-year growth and achieving a remarkable growth of 176.3% year-on-year.
He pointed out that Fawry continued to reap the benefits of its efforts to transform into a fully integrated digital bank (“neobanking”). The banking services sector ranked second in terms of revenue growth (34.0% year-on-year growth), reflecting our commitment to diversifying income sources.
He stated that the alternative digital payments sector, despite contributing only 12.6% of the year-on-year revenue growth, achieved a healthy 23.3% year-on-year growth, reflecting its vital role in enhancing the company’s business integration and its ability to grow in parallel with the growth of other sectors.
Finally, the Supply Chain Solutions sector achieved significant revenue growth of 41.5%, reflecting the successful integration of the company’s diverse range of value-added services alongside its core sectors.
For consumers, Fawry’s Chairman revealed the company’s continued commitment to providing ease, trust, and a wide range of accessible financial services. The myFawry app is evolving into a one-stop shop for personal financial services, offering bill payments, top-ups, and digital wallet services, in addition to lending and insurance solutions. During this quarter, we launched our credit card program, expanding consumers’ access to credit and flexible payment options beyond “buy now, pay later” (BNPL).
He said, “We have expanded our investment portfolio to include the EGX30 Fund, a gold fund, a Sharia-compliant fund, and a money market fund, providing customers with diverse savings and investment tools. Meanwhile, we have upgraded our Yellow Card program to include more rewards, benefits, and exclusive offers.
By combining seamless design with an AI-powered personalized experience, we are enhancing customer engagement, strengthening loyalty, and setting new standards for everyday financial comfort.”
Regarding retailers, Sabry said, “We remain committed to providing tools that increase sales, improve operational efficiency, and support sustainable growth. Our Buy Now, Pay Later (BNPL) service currently serves 120,000 merchants, with a transaction volume reaching EGP 5 billion.”
He emphasized that these cash flow financing solutions enable merchants to expand their businesses and meet customer needs more effectively. He explained that his company has piloted the “Order Your Fawry” app, a dedicated marketplace that connects merchants and suppliers. Although still in its pilot phase, our growing portfolio of services enables merchants to expand their offerings, attract more customers, and manage their operations more efficiently.
For corporate clients, Ashraf Sabry said, “We launched Fawry Business, an integrated platform for managing collections, payments, and expenses. The platform includes a corporate card program to simplify expense payments and improve cost control, a payroll management solution integrated with myFawry, and our recently acquired Enterprise Resource Planning (ERP) system. With unified tools for managing cash flow, collections, and supplier payments, Fawry Business enables businesses to achieve growth and optimize their financial operations simultaneously. This strengthens our position as a strategic partner for large enterprises seeking greater efficiency and business expansion.”
He highlighted the company’s achievements this year in the financing sector, with the total loan portfolio growing by 121.0% year-on-year to EGP 3,859.7 million as of June 30, 2025, despite the sale and amortization of a portion of the portfolio as part of the securitization bond issuance the company completed during the quarter. He stated that our wholly-owned subsidiary, Fawry Microfinance for Small and Medium Enterprises (SMEs), has officially obtained a license to practice Islamic finance activities from the Financial Regulatory Authority (FRA). This represents a remarkable expansion in the company’s activities and business portfolio, enabling it to offer Sharia-compliant financial solutions to meet the growing demand for Islamic finance in Egypt.
He explained, “We are making every effort to maximize the full value of our technology assets and enhance our technological capabilities, and we have achieved remarkable success. Technology sector revenues increased by 28.2% year-on-year, reflecting the momentum of growth and confirming the commercial potential of our platforms.”
He stated that as we move forward in 2025, the company’s focus remains on promoting innovation and fintech solutions as a driver of long-term growth, as well as expanding its service portfolio to diversify its revenue sources and develop its strategy.
He explained, “We are committed to harnessing our capabilities in the fields of big data and artificial intelligence to perform several vital functions.”
