Highlights

  • EFG Holding's Group net profit after tax and minority interest reached EGP846M in Q3 2025.
  • Group operating revenues increased 27% Y-o-Y to EGP6.3B, led by BANK NXT and EFG Finance.
  • BANK NXT contributed EGP756M to Group profits, recording a 245% Y-o-Y rise in net profit.

EFG Holding (LSE:EFGD) posted a Group net profit after tax and minority interest of EGP846M on operating revenues of EGP6.3B for Q3 2025. Total assets of the Group stood at EGP243.7B at the end of September 2025.

Group operating expenses, including provisions and ECL, increased 19% Y-o-Y, mainly due to higher G&A costs and employee expenses across all platforms. Employee expenses rose 9% Y-o-Y, reflecting salary adjustments and the effect of a slightly weaker EGP on regional expense translation. With revenue growth outpacing expense increases, net operating profit and net profit before tax grew 41% and 42% Y-o-Y, respectively. Group taxes decreased 12% Y-o-Y, leading to a 22% Y-o-Y increase in net profit after tax and minority interest.

EFG Hermes Performance

EFG Hermes reported a decline in overall revenues, down 20% Y-o-Y to EGP2.1B, despite revenue growth of 27% and 16% Y-o-Y in its Sell-side and Buy-side segments. Holding & Treasury Activities recorded a EGP220M loss, compared to EGP781M revenue in Q3 2024, mainly due to unrealized losses on investments and net interest losses. Operating expenses rose 10% Y-o-Y to EGP2.1B, with employee costs up 2% and other G&A costs up 34%, partly from pre-operating Wealth Management expenses. Provisions and ECL resulted in a net charge of EGP7M. The segment reported a net loss after tax and minority interest of EGP171M, compared with a net profit of EGP270M in Q3 2024. Excluding Holding & Treasury Activities, net profit after tax and minority interest was EGP543M, up 31% Y-o-Y.

EFG Finance Growth

EFG Finance revenues increased 38% Y-o-Y to EGP1.5B, supported by gains across multiple lines. Valu revenues rose 79% Y-o-Y, driven by higher securitization gains, net fees, and loan issuances. Tanmeyah posted 9% growth, Leasing 28%, and Factoring 12%. Operating expenses rose 34% Y-o-Y to EGP1.1B, with provisions and ECL up 93% due to higher ECL bookings and increased operational provisions. Net profit after tax and minority interest increased 28% Y-o-Y to EGP261M, mainly led by Valu and Leasing.

BANK NXT Contribution

BANK NXT revenues rose 119% Y-o-Y to EGP2.7B, reflecting a larger interest-earning asset base and other revenues from non-core asset sales. Net interest income increased 30%, and net fees & commissions grew 33%. Operating expenses rose 30% Y-o-Y to EGP672M, driven by higher office costs, employee expenses, and outsourced services. Provisions and ECL declined 11% Y-o-Y. The Bank recorded a net profit after tax of EGP1.5B, contributing EGP756M to Group results, representing a 245% Y-o-Y increase.

Share Price Snapshot

EFGD was trading at USD 1.00 per share as of 19 November 2025.