Fawry’s Fintech Surge: 80% Profit Jump Drives Egypt’s Digital Revolution

Fawry has wrapped up 2025 with numbers that, frankly, caught plenty of attention across Egypt’s fintech scene. The Cairo-listed company, which trades on the Egyptian Exchange under FWRY.CA, reported full-year revenues of EGP 8.65 billion, up 57% year on year. Even more striking is the pace of profitability growth: EBITDA climbed 80.8% to EGP 4.97 billion, while net profit after minority interest rose nearly 80% to EGP 2.89 billion.

Margins hit record levels. EBITDA margin reached 57.4%, and net profit margin stood at 33.4%. For a business that started as a digital payments gateway back in 2008, this signals how far it has scaled. I have followed Fawry since its early kiosks-in-every-corner days, and seeing it transform into a broad financial services platform is, well… quite something.

In the final quarter alone, revenues jumped 55.6% year on year to EGP 2.59 billion, with net profit after minority interest rising 70.7% to EGP 853.6 million. Part of the fourth-quarter boost came from EGP 287 million in revenue generated through seasonal promotional campaigns within the wallets segment.

Looking at the segments, Financial Services was the standout performer in 2025. Revenues in this division surged 135% year on year to EGP 2.38 billion, accounting for 43.6% of total growth. This includes MSME lending, consumer finance, insurance brokerage, prepaid cards and money market fund revenues. It is clear the company’s push into neobanking is beginning to bear fruit.

Banking Services, which remains the largest contributor at 40.6% of total revenue, grew 52% to EGP 3.51 billion. Alternative Digital Payments — the company’s oldest line of business — posted a more modest but still solid 17.6% increase to EGP 2.01 billion. Supply Chain Solutions rose 42.9% to EGP 496.1 million. Meanwhile, Agent Banking doubled in the fourth quarter compared with the same period a year earlier.

Total throughput value — the overall value of transactions processed — reached EGP 943.6 billion in 2025, up 56.8% from EGP 601.7 billion the previous year. Mobile wallet processed value alone climbed 71.8% to EGP 835.5 billion. That kind of acceleration suggests digital payments in Egypt are no longer a slow burn. They are gathering serious momentum.

Operationally, Fawry’s network now serves 54.8 million active customers monthly. The company works with 36 banks and operates through more than 377,000 agents, processing over six million transactions a day. Prepaid cards issued jumped 172% year on year to 2.7 million. The myFawry app downloads rose nearly 40% to just over 24 million.

One detail that I found particularly telling is the growth of “Fawry Yawmy”, the money market fund offered through the platform. Its net asset value exceeded EGP 7 billion by the end of 2025, compared with EGP 1.2 billion a year earlier. That is not small change; it signals rising consumer appetite for accessible investment products, especially in uncertain economic times.

The company also introduced a gold fund, an EGX30 index fund and a Shariah-compliant fund. On the SME side, it rolled out a digital payroll solution, a medical insurance product called “Sehetak Fawry”, and a “BNPL for Business” offering aimed at supplier payments and working capital support. Around 120,000 small merchants have been onboarded onto this BNPL service, with credit limits exceeding EGP 1 billion and more than EGP 10 billion in transactions processed since launch.

And believe it or not, technology remains a big pillar behind the scenes. Around 35% of new code is now produced using AI-assisted tools, with plans to launch a proprietary large language model-powered chatbot by year-end. I’m not always a fan of companies throwing “AI” into every sentence, but in this case the integration seems tied to practical goals — faster time to market, better personalisation, lower operational faff.

Another development worth watching is the Central Bank of Egypt’s official launch of Soft POS services in February 2026. Fawry had already built its own Soft POS solution in 2024, meaning it is well placed to capitalise on contactless payments through NFC-enabled smartphones, without the need for traditional hardware. If adopted widely among micro and SME merchants, this could be a bit of a game changer.

Of course, no growth story is without challenges. Scaling lending, wallets, insurance and merchant services all at once requires tight cost control and sharp risk management. That said, the company’s ability to expand margins while diversifying revenue streams suggests a business model that is, so far, holding up.

For entrepreneurs across the MENA region reading Arageek, there is a quiet lesson here. Fintech success does not happen overnight. It takes years of infrastructure building, partnerships — in this case, 36 banks — and steady expansion into adjacent services. Fawry’s journey shows that if you get the ecosystem right, growth can compound faster than you expect. Definately not an overnight story.

In a market where digital transformation can sometimes feel like a buzzword, these numbers put some weight behind it. And if 2025 is anything to go by, Egypt’s largest digital financial platform is not slowing down just yet.

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