eFinance - Public Comps and Valuation Multiples

eFinance Overview

About eFinance

E-Finance For Digital And Financial Investments SAE is developing integrated platforms in Egypt's digital revolution. It is a fintech platform and developer of digital payments infrastructures. The company invests in platforms and solutions that serve everyone from government agencies to ordinary consumers. The business has seven operating segments; Services and operation of cards, Integrated solutions, installation, and technical support services, card center services, hosting services, maintenance and network contracts, and others. It derives a majority of its revenue from the Services and operation of the cards segment.

Founded

2005

HQ

Employees

735

Website

efinanceinvestment.com

Sectors

Financial Services Software
Payments Infrastructure
Payments POS
Consumer Marketplaces
Vertical Marketplaces
B2B SaaS
Vertical SaaS
FinTech

Financials

LTM Revenue $148M

LTM EBITDA $70.2M

EV

$1.6B

Valuation Multiples

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eFinance Financials

As of January 2026, eFinance reported last 12-month revenue of $148M and EBITDA of $70.2M.

In the same period, eFinance generated $83.4M in LTM gross profit and $49.0M in net income.

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eFinance P&L

In the most recent fiscal year, eFinance reported revenue of $111M and EBITDA of $60.7M.

eFinance expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Revenue	$148M	XXX	$111M	XXX	XXX	XXX
Gross Profit	$83.4M	XXX	$59.5M	XXX	XXX	XXX
Gross Margin	57%	XXX	54%	XXX	XXX	XXX
EBITDA	$70.2M	XXX	$60.7M	XXX	XXX	XXX
EBITDA Margin	48%	XXX	55%	XXX	XXX	XXX
EBIT	$57.9M	XXX	$39.2M	XXX	XXX	XXX
EBIT Margin	39%	XXX	35%	XXX	XXX	XXX
Net Profit	$49.0M	XXX	$37.9M	XXX	XXX	XXX
Net Margin	33%	XXX	34%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for eFinance including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $148M. EBITDA for the last twelve months was $70.2M. In the most recent fiscal year, eFinance achieved $111M in revenue and $60.7M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2026)	Next Fiscal Year (2027)	Two Years Forward (2028)
Total Revenue	$148M	Analyst estimates available to subscribers	$111M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	$83.4M	Analyst estimates available to subscribers	$59.5M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	56.5% gross margin	Analyst estimates available to subscribers	53.5% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$70.2M	Analyst estimates available to subscribers	$60.7M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	47.6% EBITDA margin	Analyst estimates available to subscribers	54.6% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$57.9M	Analyst estimates available to subscribers	$39.2M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	39.3% EBIT margin	Analyst estimates available to subscribers	35.3% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$49.0M	Analyst estimates available to subscribers	$37.9M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	33.2% net profit margin	Analyst estimates available to subscribers	34.1% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for eFinance

This financial data table provides comprehensive performance metrics for eFinance, a company based in Egypt. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

eFinance generated $148M in revenue over the last twelve months.
The company achieved $70.2M in EBITDA over the last twelve months.
Gross profit for the last twelve months was $83.4M.
Net income over the last twelve months reached $49.0M.

Fiscal Year Performance

In the most recent fiscal year, eFinance reported $111M in total revenue.
Fiscal year EBITDA was $60.7M.
The company maintained a gross profit margin of 53.5% in the most recent fiscal year.
EBITDA margin for the fiscal year was 54.6%.
Net profit margin reached 34.1% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for eFinance. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

eFinance Stock Performance

eFinance has current market cap of EGP 79.0B (or $1.7B), and EV of EGP 76.3B (or $1.6B).

Market Cap Evolution

eFinance Stock Data

As of February 19, 2026, eFinance's stock price is EGP 23 (or $0).

See eFinance trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$1.6B	$1.7B	XXX	XXX	XXX	XXX	$0.01

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eFinance Valuation Multiples

eFinance's trades at 11.0x EV/Revenue multiple, and 23.2x EV/EBITDA.

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eFinance Financial Valuation Multiples

As of February 19, 2026, eFinance has market cap of $1.7B and EV of $1.6B.

Equity research analysts estimate eFinance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

eFinance has a P/E ratio of 34.4x.

	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Market cap (current)	$1.7B	XXX	$1.7B	XXX	XXX	XXX
EV (current)	$1.6B	XXX	$1.6B	XXX	XXX	XXX
EV/Revenue	11.0x	XXX	11.0x	XXX	XXX	XXX
EV/EBITDA	23.2x	XXX	23.2x	XXX	XXX	XXX
EV/EBIT	28.1x	XXX	28.1x	XXX	XXX	XXX
EV/Gross Profit	19.6x	XXX	n/a	XXX	XXX	XXX
P/E	34.4x	XXX	34.4x	XXX	XXX	XXX
EV/FCF	1907859.2x	XXX	1907859.2x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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eFinance Margins & Growth Rates

eFinance's last 12 month revenue growth is 30%

eFinance's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $28K for the same period.

eFinance's rule of 40 is 82% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

eFinance's rule of X is 122% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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eFinance Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Revenue Growth	30%	XXX	30%	XXX	XXX	XXX
EBITDA Margin	48%	XXX	48%	XXX	XXX	XXX
EBITDA Growth	36%	XXX	27%	XXX	XXX	XXX
Rule of 40	82%	XXX	77%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	122%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$28K	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	2%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	18%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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