Fawry for Banking Technology and Electronic Payments (FWRY.CA), Egypt’s leading provider of e-payments and digital financial services, announced its consolidated financial results for the period ended September 30, 2025, showing the company’s continued ability to deliver strong and sustainable growth supported by a flexible operating model and a balanced expansion strategy.
Fawry recorded revenues of EGP 6.06 billion, up 58% year-on-year, while EBITDA reached EGP 3.46 billion (+84%) and net profit amounted to EGP 2.04 billion (+84%) — representing the highest profit margins in the company’s history, with an EBITDA margin of 57.1% and a net profit margin of 33.6%, underscoring the scalability and resilience of Fawry’s business model.
Commenting on the results, Eng. Ashraf Sabry, CEO of Fawry, said:
“Fawry continues to strengthen its upward trajectory, driven by integrated digital expansion and a strategy focused on diversifying revenue streams and maximizing value for shareholders and customers alike. During the third quarter, we achieved remarkable financial and operational growth and made significant progress in executing our transformation plan toward becoming a fully-fledged Neobank, reaffirming Fawry’s leading position in Egypt’s digital financial services market.”
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Over the first nine months of the year, total throughput value rose to EGP 638.5 billion, up 52.5% year-on-year, while the gross loan portfolio more than doubled to EGP 4.8 billion (+101.7%).
The active user base grew to 54.5 million users, and the company processed 1.55 billion transactions (+7.2%).
Mobile wallet transactions surged to 272 million (+64%), with a total value of EGP 541.7 billion (+67.1%), while downloads of the MyFawry application exceeded 22.3 million (+40.7%).
The number of prepaid cards issued increased sharply to 2.2 million (+172%), and the total transaction value through MyFawry doubled to EGP 38.7 billion.
Across business segments, Financial Services led growth, achieving a 153% year-on-year increase and contributing 45.3% of total revenue growth, driven by continued expansion in investment and lending products.
Banking Services ranked second, contributing 34.8%, followed by Alternative Digital Payments (ADP), which recorded 21.5% growth, and Supply Chain Solutions, which, though relatively new, achieved a strong 41.1% increase in revenues.
During the period, Fawry launched a diversified range of new products and services. In Consumer Investments, the company introduced three investment funds — a Gold Fund, an EGX30 Index Fund, and a Sharia-compliant Fund.
For corporate clients, Fawry launched a Corporate Card Program designed to simplify expense management and enhance financial efficiency.
In the SME segment, Fawry rolled out a Digital Payroll Service, a first-of-its-kind “Sehetak Fawry” medical insurance product, and a Buy Now, Pay Later (BNPL) solution for businesses to streamline supplier payments and optimize working capital cycles.
These initiatives have already produced tangible results. Fawry has issued over 2.2 million prepaid cards, up 172% year-on-year, and launched over 1.2 million digital insurance policies, compared to 700,000 a year ago. The new Sehetak Fawry medical insurance now covers over 300,000 customers, while the BNPL for Business service is being used by 120,000 merchants, facilitating EGP 5 billion in supplier payments to date.
As part of its innovation-driven strategy, Fawry has integrated artificial intelligence (AI) technologies into its operations to accelerate product development and enhance customer experience.
Currently, 20% of new code is written with AI assistance, improving development speed and quality. Moreover, AI has been embedded into the company’s customer engagement strategy to boost personalization, retention, and acquisition through data-driven, intelligent interactions.
In line with this commitment, Fawry plans to launch its proprietary LLM-powered intelligent chatbot by the end of the year — reaffirming AI adoption as a strategic growth pillar and a key driver of customer value.
Through disciplined growth, financial prudence, and innovation, Fawry continues to execute a sustainable strategy that balances expansion with efficiency, maintaining the highest standards of governance and operational excellence.
These results underscore the company’s steady progress in consolidating its leadership in Egypt’s fintech ecosystem — guided by a long-term vision that puts innovation and customer experience at the heart of its growth journey.
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