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Asked a question 2 years ago

هل انت مع مقارنة إي فاينانس وفوري ؟ قلنا رأيك في الكومينت

Mohamed Elsayed
I don't think they are comparable given that Fawry is B2C focused which gives it the edge in reaching users and customer experience while E-finance is stronger on the B2B & B2G which is also a very unique proposal that means that it will continue to grow with the digital push the government is working on
Ahmed Rashed
اكيد اه، ورأيي كون إن أرقام (إي فاينانس) أفضل بكتير، وكونها ضمن برنامج طرح الشركات الحكومية بيديها افضلية على فوري.
Ahmad Hammouda
Mohamed Elsayed Do you think it is risky that E-Finance is government focused?
Mohamed Elsayed
Ahmad Hammouda The risk would be if they lose their exclusivity which I do not see happening in the near future, moreover the security infrastructure required is a huge barrier to entry
Nour Omar
I believe that they can not be compared as both entities are supported financially differently, in addition to their business models are operated differently as well, I feel like it won't be fair.
Ahmad Hammouda
Nour Omar Thanks a lot Nour for replying to my poll. I agree with most of what you said and I think their business models are different indeed. Can you shed more color on what you mean by both are supported financially differently.
Nour Omar
Ahmad Hammouda what I'm trying to illustrate is that since Fawry is a private retailed-focused and e-finance is a government focused, their scope of operations are different and therefore their visions are different, e-finance is the right arm of digital transformation for the Egyptian government, and I believe it should provide the right support for the private entities to strive more in the marketplace, that's why I feel we shouldn't compare between them.
Ahmad Hammouda
Nour Omar I like a lot ur logic. I still think they can be compared to each other, yet the difference in business models should be reflected in the quality of the benchmarks. So yes E-Finance have a much higher throughout output, yet it is clear from looking at revenue per throughput, Fawry’s throughput is of higher quality. Same concept should be applied to Net Income - E-Finance have higher Net Income, yet the quality of EGP of Net Income is lower because of concentration risk (one client situation). The question is the magnitude of this risk compared to the magnitude of the difference between the two Net Incomes.
Ayman E
مشاركة متأخرة بعد الإطلاع على اوراق إي فاينانس بشيء من التركيز

إي فاينانس ممكن تنافس فوري (الشركة تملك خدمة "خالص" لسداد المدفوعات) د

إي فاينانس منجمها الذهبي هو احتكار المدفوعات الحكومية


عندها أذرع تانية كتير ممكن من خلالها تقفز بأرباحها قفزات ضخمة جدا جدا.

الخلاصة: لو هنبص بنظرة متشائمة إي فاينانس ممكن تسحب جزء كبير من الحصة السوقية لفوري.

نظرة معتدلة: فوري من خلال افصاحاتها مؤخرا بتحاول تلاقي نشاطات اضافية واسواق جديدة وبالتالي هتحمي نفسها من اي فاينانس
وإي فاينانس هتركز اكثر على القطاعات المربحة الي عندها

إي فاينانس فرصة جيدة وممتازة، فوري محتاجة تناور وتفتح اسواق جديدة وانشطة اضافية عشان تنجو
Ayman E
Mohamed Hamd خد بالك مكرر الربحية ده مخادع جدا وممكن يعلى جدا لما المستثمرين يشوفوا فرصة في السهم فيرفعوا سعره مش عشان وضعه الحالي ولكن لنجاحه المتوقع مستقبلا
Eyad Ali
Mohamed Hamd حضرتك ع حسب ما انا فهمت بتقارن معامل ربحية سهم اي فاينانس ب معامل ربحية القطاع..
ايه المقصود بالقطاع ؟
Yara El Gerzawy
Mohamed Hamd طب و احنا ازاي نشترك في القطاع ككل؟
mina salib
لابد ان تكون اى فاينانس مميزة فى خدماتها . لانة حتى الان لم تظهر عيوب لفورى

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