Valu

Valu

Egyptian BNPL and consumer finance platform

Overview

Valu is a financial technology company in Egypt focused on consumer finance and BNPL. It lets customers buy goods and services and pay in installments up to 60 months, often with little or no down payment, through a network of 6,000+ retailers and 1,500+ websites/apps. Beyond BNPL, Valu offers an ecosystem including the AZ Valu investment fund, Sha2labaz instant cash, savings tools, Ulter financing for high-value items, plus prepaid and co-branded Visa cards. Founded in 2017 under EFG Holding and listed on the Egyptian Exchange in 2025 with Amazon taking a stake, Valu aims to expand financial inclusion by simplifying access to credit while remaining profitable and leading Egypt’s consumer finance market.

Funded Recently

About Valu

Simplify's Rating
Why Valu is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Consumer Software

Fintech

Financial Services

Company Size

501-1,000

Company Stage

IPO

Headquarters

Sixth of October City, Egypt

Founded

2017

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Simplify's Take

What believers are saying

  • H1 2026 net income rose 43% to EGP486 million, with GMV up 38%.
  • August 2026 bond issuance and December 2025 securitization deepen liquidity for lending growth.
  • Jordan approvals, MEPS, PayTabs, and EBRD green lending expand Valu's regional addressable market.

What critics are saying

  • Egypt's FRA froze new fintech consumer-lending licenses in July 2026, protecting incumbents only.
  • Valu depends on securitizations and EGP24.08 billion of facilities; funding markets break growth.
  • Rising regulation and tighter Basel III-style capital rules can compress returns and slow expansion.

What makes Valu unique

  • Valu became EGX's first listed consumer-finance company in June 2025.
  • Its platform now bundles BNPL, prepaid cards, auto finance, investments, and savings.
  • Jordan launch in Q1 2026 extends Valu beyond Egypt's market, lenders, and regulators.

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Funding

Total Funding

$316.6M

Above

Industry Average

Funded Over

18 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison
Coming Soon

Growth & Insights and Company News

Headcount

6 month growth

-1%

1 year growth

0%

2 year growth

0%
Zawya
Aug 3rd, 2026
Valu launches $19.7M bond issuance under $20M securitisation programme in Egypt

Valu Consumer Finance has launched the first issuance under its EGP 1 billion bond programme, comprising two tranches totalling EGP 1 billion ($19.7 million). Tranche A amounts to EGP 460 million in tradable, non-convertible bonds with a 13-month maturity and a fixed annual coupon of 20.075%, paid quarterly. Each bond has a nominal value of EGP 100. Tranche B totals EGP 540 million with a 36-month maturity. These bonds offer a floating annual return linked to the Central Bank of Egypt corridor rate plus a 1% margin. In December 2025, Valu closed its 20th securitised bond issuance at EGP 1.1 billion.

World Stage Limited
Jun 16th, 2026
EBRD grants $12.1M loan to Egypt's Valu to expand green consumer finance access

The European Bank for Reconstruction and Development has provided a loan of up to EGP 600 million (€10.7 million) to Valu, Egypt's leading universal financial technology firm, to support the country's green transition. The project extends green finance to individual consumers through Valu's digital platform and merchant network. An additional €74,900 technical cooperation package will help Valu develop green finance products and build a pipeline of green assets in the retail segment. The initiative aims to stimulate demand for energy-efficient and renewable technologies amongst households. This marks the EBRD's first partnership with a consumer finance company in Egypt and the Southern and Eastern Mediterranean region. Founded in 2017, Valu operates across more than 8,500 merchants and offers flexible financing of up to 60 months.

Financial IT
Jun 11th, 2026
Valu Jordan partners with MEPS and PayTabs Group to expand BNPL across in-store and online payments.

Valu Jordan partners with MEPS and PayTabs Group to expand BNPL across in-store and online payments. * Lending * 11.06.2026 09:50 am Valu Jordan, a leading fintech platform in the Middle East and North Africa, has signed a strategic partnership agreement with Middle East Payment Services (MEPS), Jordan's leading digital payments infrastructure provider and the backbone of the Kingdom's national payments ecosystem; and PayTabs Group, MEPS' global payment solutions partner and MENA's premier provider of payment orchestration infrastructure. The partnership is designed to expand access to Valu Jordan's 'Buy Now, Pay Later' (BNPL) solutions across both physical retail and e-commerce channels, strengthening the company's presence in Jordan's fast-evolving digital payments market. Under the agreement, authorized merchants within the MEPS extensive national merchant network - built over 16+ yearsas Jordan's trusted payments infrastructure provider - and Valu's partner merchant base will be able to activate the BNPL service on supported point-of-sale (POS) terminals with no additional hardware or complex integration required. Customers shopping in-store will be able to complete purchases through the Valu app by scanning a QR code at checkout, creating a faster, more convenient, and flexible payment experience. The agreement leverages MEPS's position as the operator of Jordan's National Switching system connecting over 1,400 ATMs and thousands of POS terminals nationwide, making Valu's BNPL capability immediately accessible to one of the largest merchant footprints in the Kingdom. The collaboration will also extend Valu's payment solutions to online merchants connected to PayTabs Group payment orchestration platform. Participating e-commerce platforms and retailers will be able to add Valu as a payment option at checkout, allowing customers to access secure, flexible payment plans without requiring complex technical development or integration work on the merchants' side. By bringing Valu's BNPL offering to both POS and online payment environments, the partnership gives merchants a broader set of tools to enhance the customer experience, improve checkout flexibility, and support higher purchasing accessibility. Customers will be able to use Valu's digital platform to finance purchases in line with their approved credit limits, while gaining access to a wider range of products and services through a streamlined app-based journey. The agreement represents an important step in advancing Jordan's digital payments ecosystem and supporting the wider adoption of modern financial technology solutions. It also reflects the shared commitment of Valu Jordan, MEPS, and PayTabs Group to promoting financial inclusion, enabling merchant growth, and supporting the Kingdom's ongoing digital transformation agenda. For MEPS, the agreement reinforces its position as Jordan's payments ecosystem enabler, the connective layer through which innovation-led solutions like Valu's reach merchants and consumers at scale. It is worth noting that Valu Jordan began operations in the Kingdom in the first week of May 2026 after receiving final approval from the Central Bank of Jordan and completing all regulatory and operational requirements to launch its services under a specialized license.

Alwakeel News
May 21st, 2026
Valu appoints Odai Al-Fakhouri, Jordanian national team and Pyramids FC player, as brand ambassador

Valu appoints Odai Al-Fakhouri, Jordanian national team and Pyramids FC player, as brand ambassador Thursday, 21-05-2026 11:29 AM Al-Wakil News - Valu, a leading fintech company in the Middle East and North Africa region, announced the appointment of Odai Al-Fakhouri, Jordanian national team player and Pyramids FC player, as its brand ambassador in Egypt and Jordan. This partnership reflects Valu's commitment to supporting regional sports talents and investing in the future of sports in the Middle East and North Africa. Odai Al-Fakhouri is one of the rising sports talents in the region, holding the record for the highest total transfer fee for a player from the Jordanian league to a club outside Jordan. He is the first Jordanian player to participate and score in the CAF Champions League, and recently solidified his position in Egyptian football by becoming the first Jordanian player to win the Egypt Cup, an achievement that is the first of its kind for a Jordanian player winning a major tournament in Egypt. In this context, Salma Abdel Hamid, Head of Marketing at Valu, commented: "Supporting regional talents like Al-Fakhouri is a key pillar of our broader mission to invest in the future and empower the next generation of athletes. Valu has a strong track record in supporting athletes and youth initiatives. This partnership reinforces our long-term vision to unlock the potential of sports talents and build a sustainable ecosystem that supports their growth and success on the global stage. Al-Fakhouri's achievements, whether in the Egyptian league or with the Jordanian national team, reflect the high level of football in our region, and we are proud to provide support that will help him achieve further successes in the upcoming World Cup." For his part, Odai Al-Fakhouri said: "It is an honor to collaborate with Valu, an ambitious brand that understands the aspirations of youth. This partnership is a natural alignment bringing together the world of sports and a shared vision for growth and success. I look forward to making a positive impact that resonates with fans and youth across the region." Meanwhile, Batoul Al-Fayez, Marketing Director at Valu Jordan, said: "We are delighted to welcome Odai Al-Fakhouri as our brand ambassador in Jordan. Al-Fakhouri's career reflects the strength of Jordanian talent and resonates widely with many young athletes in the region. Through this collaboration, we look forward to strengthening our connection with the Jordanian community and supporting a model that inspires ambition and continuous development." Al-Fakhouri's rising international presence was highlighted recently when he won the "Goal of the Round" award in the AFC Champions League Two, achieving over 51% of the fan vote. Through this partnership, Valu affirms its commitment to supporting a modern lifestyle and excellence beyond financial services. By supporting a prominent athlete like Odai Al-Fakhouri, Valu highlights a new generation capable of competing globally, reflecting the role of national brands in achieving long-term impact, promoting ambition, and fostering regional pride. About Valu: Valu (legal name: U Consumer Finance S.A.E), stock code (EGX: VALU.CA), offers a leading fintech platform in the Middle East and North Africa region, providing comprehensive and accessible financial services for individuals and companies under its product umbrella. Valu is the first specialized fintech company in consumer finance listed on the Egyptian Stock Exchange (EGX), reflecting its strong growth trajectory and innovative business model. In Jordan, Valu provides innovative digital financing solutions that facilitate access to financial services, including initially offering a "Buy Now, Pay Later" (BNPL) service, which allows customers to pay for their purchases in installments of up to 60 months through a network of approved merchants, via a seamless and fast digital experience, enabling customers to adopt more flexible lifestyles, while managing their spending smartly in line with their daily needs and future aspirations. Valu's operations in Jordan come after obtaining a license from the Central Bank of Jordan to conduct specialized financing activities, as part of its commitment to providing responsible and regulated financial solutions that contribute to enhancing financial inclusion and improving the user experience in the digital finance sector. Valu also seeks to build strategic partnerships with various entities in the local market, contributing to the development of the consumer finance ecosystem and expanding the scope of digital financial services in the Kingdom. For more information about Valu, please visit www.valu.com.eg For further information, please contact: Public Relations Department at Valu Egypt [email protected] Mai ElGammal Head of Marketing and Communications [email protected] Omar Salama Head of Communications and Public Relations [email protected] Batool Al-Fayez Marketing Director - Valu Jordan [email protected]

BambooDT
May 19th, 2026
Valu and ElTawkeel launch integrated digital car platform in Egypt.

Valu and ElTawkeel launch integrated digital car platform in Egypt. * home | * Valu and ElTawkeel launch integrated digital car platform in Egypt. Egypt-based fintech Valu has partnered with automotive retail platform ElTawkeel.com to launch a new digital car-buying solution that combines browsing, financing, and insurance in a single online journey. The platform is designed to streamline the vehicle purchase process by allowing customers to explore new cars, access insurance services, and receive loan pre-approvals within an hour. The service is operated through Valu Shift, Valu's dedicated auto finance arm, and is available through a single e-commerce portal. The companies said the initiative is aimed at reducing the complexity often associated with buying a car in Egypt, where customers typically need to manage separate steps with dealerships, lenders, and insurance providers. Through the integrated platform, prospective buyers can compare vehicles, review transparent pricing, and move through the financing process while their credit application is handled in the background. The model removes the need for customers to coordinate multiple in-person interactions before completing a purchase. Executives highlight digital simplification. Mostafa El-Sahn, Chief Risk Officer at Valu, said the partnership is intended to simplify a process that has traditionally involved several disconnected stages. He noted that embedding financing directly into the vehicle shopping experience creates a more seamless digital journey for customers. Ali Shaaban, Founder of ElTawkeel.com, said the joint venture reflects a broader effort to reshape the local automotive sector through digital transformation. According to Shaaban, a truly modern car retail experience requires the integration of sales, financing, and insurance within one system. The collaboration targets digital-first consumers in Egypt and seeks to accelerate the transition of the automotive retail market toward online and integrated services. By combining auto sales and financial services in one platform, the initiative addresses demand for faster, more convenient purchasing options in a market that remains largely offline. Industry analysis. The launch reflects a broader trend in fintech and digital commerce toward embedded finance, where lending and insurance are incorporated directly into the customer purchase journey. In the automotive sector, this approach can reduce friction, improve conversion, and shorten the time required to complete high-value transactions. For Egypt's car market, the partnership may signal growing appetite for digital retail models that bring greater transparency and speed to a traditionally complex buying process. It also highlights how fintech providers are expanding beyond conventional consumer finance products into sector-specific platforms that connect payments, credit, and commerce. As more consumers expect digital access to financial services, integrated offerings like this may become an important differentiator for both fintech firms and retail partners seeking to modernize customer experience.

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