What is SWVL HOLDINGS CORP's earnings per share (EPS)?

SWVL HOLDINGS CORP (SWVL) reported diluted earnings per share of $0.12 for fiscal year 2025. This represents a 109.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

SWVL HOLDINGS CORP Financials

SWVL

Source SEC Filings (10-K/10-Q) Updated Apr 20, 2026 Currency USD FYE April

This page shows SWVL HOLDINGS CORP (SWVL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SWVL FY2025 2026-04-22

Swvl’s profit recovery masks a cash-consuming, working-capital-heavy operating model that still has not become self-funding.

FY2025 moved from a -$10.3M loss to $1.3M of net income, but that improvement did not reach the cash line. Operating cash flow was still -$2.1M and capex just $10K, which signals weak cash conversion: the business is no longer as loss-making on paper, yet it still consumes cash in day-to-day operations rather than through heavy reinvestment.

Balance-sheet repair is visible because equity flipped from -$688K to $2.9M, so the company is no longer reporting negative net worth after the prior year. But short-term liquidity remains tighter than leverage: cash ended FY2025 at $4.4M against $11.5M of current liabilities, meaning the pressure is more about near-term working capital than long-term debt.

Accounts receivable increased from $4.0M to $6.3M as revenue recovered, so more of each sales dollar was left uncollected at year-end. That helps explain why reported profit did not translate into cash and why financing inflows of $1.2M still mattered in FY2025, even after the apparent earnings turnaround.

Financial Health Signals

Financial Profile 42/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of SWVL HOLDINGS CORP's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

SWVL HOLDINGS CORP's revenue surged 40.5% year-over-year to $24.2M, reflecting rapid business expansion. This strong growth earns a score of 38/100.

Leverage

SWVL HOLDINGS CORP carries a low D/E ratio of 0.34, meaning only $0.34 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 95/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

SWVL HOLDINGS CORP's current ratio of 1.08 is below the typical benchmark, resulting in a score of 17/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow

While SWVL HOLDINGS CORP generated -$2.1M in operating cash flow, capex of $10K consumed most of it, leaving -$2.1M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.

Returns

100

SWVL HOLDINGS CORP earns a strong 44.6% return on equity (ROE), meaning it generates $45 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100.

Piotroski F-Score Neutral

4/9

SWVL HOLDINGS CORP passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Low Quality

-1.63x

For every $1 of reported earnings, SWVL HOLDINGS CORP generates $-1.63 in operating cash flow (-$2.1M OCF vs $1.3M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$24.2M

YoY+40.5%

5Y CAGR+10.0%

SWVL HOLDINGS CORP generated $24.2M in revenue in fiscal year 2025. This represents an increase of 40.5% from the prior year.

EBITDA

N/A

Net Income

$1.3M

YoY+112.8%

SWVL HOLDINGS CORP reported $1.3M in net income in fiscal year 2025. This represents an increase of 112.8% from the prior year.

EPS (Diluted)

$0.12

YoY+109.4%

SWVL HOLDINGS CORP earned $0.12 per diluted share (EPS) in fiscal year 2025. This represents an increase of 109.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$2.1M

SWVL HOLDINGS CORP generated -$2.1M in free cash flow in fiscal year 2025, representing cash available after capex.

Cash & Debt

$4.4M

YoY-11.0%

5Y CAGR-15.7%

SWVL HOLDINGS CORP held $4.4M in cash against $1.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

10M

SWVL HOLDINGS CORP had 10M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

5.4%

YoY+65.1pp

5Y CAGR+203.8pp

SWVL HOLDINGS CORP's net profit margin was 5.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 65.1 percentage points from the prior year.

Return on Equity

44.6%

5Y CAGR+206.0pp

SWVL HOLDINGS CORP's ROE was 44.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$10K

5Y CAGR-45.2%

SWVL HOLDINGS CORP invested $10K in capex in fiscal year 2025, funding long-term assets and infrastructure.

SWVL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$24.2M+40.5%	$17.2M-24.7%	$22.9M-46.9%	$43.0M+68.2%	$25.6M+70.6%	$15.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$74K0.0%	$74K-42.3%	$127K-62.7%	$342K+143.6%	$140K+67.3%	$84K
Income Tax	$155K-25.8%	$209K+606.1%	-$41K+98.7%	-$3.2M+31.6%	-$4.7M-49.5%	-$3.2M
Net Income	$1.3M+112.8%	-$10.3M-436.0%	$3.1M+102.5%	-$123.6M+12.7%	-$141.5M-376.0%	-$29.7M
EPS (Diluted)	$0.12+109.4%	$-1.28-207.6%	$1.19+108.2%	$-14.52+24.0%	$-19.10-7540.0%	$-0.25

Metric	Q1'26	Q3'25	Q1'25	Q3'24	Q1'24	Q3'23	Q3'22	Q3'21
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SWVL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$20.0M+22.5%	$16.4M-25.3%	$21.9M-61.9%	$57.5M-3.2%	$59.3M+139.7%	$24.8M
Current Assets	$12.5M+21.4%	$10.3M-6.2%	$11.0M-46.0%	$20.3M-41.3%	$34.6M+156.8%	$13.5M
Cash & Equivalents	$4.4M-11.0%	$5.0M+69.7%	$2.9M+90.0%	$1.5M-42.9%	$2.7M-73.9%	$10.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$6.3M+56.1%	$4.0M-24.7%	$5.3M-64.0%	$14.8M+124.4%	$6.6M+130.9%	$2.9M
Goodwill	N/A	N/A	N/A	N/A	$4.4M	N/A
Total Liabilities	$17.1M+0.2%	$17.1M+6.7%	$16.0M-70.9%	$54.8M-63.2%	$149.1M+2249.0%	$6.3M
Current Liabilities	$11.5M-3.5%	$11.9M+14.4%	$10.4M-75.5%	$42.6M-70.6%	$145.0M+2509.1%	$5.6M
Long-Term Debt	$1.0M+127.8%	$440K-56.9%	$1.0M-35.8%	$1.6M-46.2%	$3.0M+373.2%	$626K
Total Equity	$2.9M+528.1%	-$688K-111.6%	$5.9M+125.0%	$2.6M+102.9%	-$89.7M-587.4%	$18.4M
Retained Earnings	-$338.5M+0.4%	-$339.8M-3.1%	-$329.5M+0.9%	-$332.6M-53.9%	-$216.1M-189.4%	-$74.7M

Metric	Q1'26	Q3'25	Q1'25	Q3'24	Q1'24	Q3'23	Q3'22	Q3'21
Total Assets	$18.2M+11.4%	$16.4M+16.3%	$14.1M-35.8%	$21.9M-36.8%	$34.7M-39.7%	$57.5M-3.2%	$59.3M+139.7%	$24.8M
Current Assets	$12.1M+17.5%	$10.3M+48.4%	$6.9M-36.8%	$11.0M+12.4%	$9.8M-51.9%	$20.3M-41.3%	$34.6M+156.8%	$13.5M
Cash & Equivalents	$4.9M-1.7%	$5.0M+318.9%	$1.2M-59.5%	$2.9M+218.2%	$919K-40.3%	$1.5M-42.9%	$2.7M-73.9%	$10.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$5.9M+46.5%	$4.0M+0.4%	$4.0M-25.0%	$5.3M-10.5%	$6.0M-59.8%	$14.8M+124.4%	$6.6M+130.9%	$2.9M
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	$4.4M	N/A
Total Liabilities	$17.5M+2.8%	$17.1M+5.3%	$16.2M+1.4%	$16.0M-46.0%	$29.6M-46.0%	$54.8M-63.2%	$149.1M+2249.0%	$6.3M
Current Liabilities	$11.7M-1.9%	$11.9M+8.1%	$11.0M+5.8%	$10.4M-40.9%	$17.7M-58.5%	$42.6M-70.6%	$145.0M+2509.1%	$5.6M
Long-Term Debt	$324K-26.5%	$440K-45.5%	$808K-20.9%	$1.0M-26.7%	$1.4M-12.5%	$1.6M-46.2%	$3.0M+373.2%	$626K
Total Equity	$707K+202.8%	-$688K+67.7%	-$2.1M-136.0%	$5.9M+17.4%	$5.0M+91.6%	$2.6M+102.9%	-$89.7M-587.4%	$18.4M
Retained Earnings	-$339.4M+0.1%	-$339.8M-1.4%	-$335.2M-1.7%	-$329.5M+0.3%	-$330.5M+0.6%	-$332.6M-53.9%	-$216.1M-189.4%	-$74.7M

SWVL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$2.1M+40.0%	-$3.6M+60.8%	-$9.1M+92.3%	-$117.7M-89.4%	-$62.1M-103.4%	-$30.5M
Capital Expenditures	$10K	N/A	$17K-97.9%	$818K+155.9%	$319K+50.0%	$213K
Free Cash Flow	-$2.1M	N/A	-$9.1M+92.3%	-$118.5M-89.7%	-$62.5M-103.0%	-$30.8M
Investing Cash Flow	$368K-36.9%	$583K-93.4%	$8.8M+208.7%	-$8.1M+27.4%	-$11.1M-5133.2%	-$213K
Financing Cash Flow	$1.2M-69.9%	$4.0M+1074.5%	$344K-99.7%	$125.1M+72.0%	$72.7M+179.2%	$26.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q3'25	Q1'25	Q3'24	Q1'24	Q3'23	Q3'22	Q3'21
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SWVL Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.4%+65.1pp	-59.7%-73.0pp	13.4%+300.8pp	-287.4%+266.1pp	-553.5%-355.1pp	-198.4%
Return on Equity	44.6%	N/A	51.7%+4751.9pp	-4700.3%	N/A	-161.5%
Return on Assets	6.6%+69.3pp	-62.7%-76.7pp	14.0%+229.0pp	-215.1%+23.4pp	-238.4%-118.4pp	-120.1%
Current Ratio	1.08+0.2	0.86-0.2	1.05+0.6	0.48+0.2	0.24-2.2	2.42
Debt-to-Equity	0.34+1.0	-0.64-0.8	0.17-0.4	0.61+0.6	-0.03-0.1	0.03
FCF Margin	-8.9%	N/A	-39.9%+235.7pp	-275.6%-31.3pp	-244.3%-39.0pp	-205.3%

Metric	Q1'26	Q3'25	Q1'25	Q3'24	Q1'24	Q3'23	Q3'22	Q3'21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	1.03+0.2	0.86+0.2	0.63-0.4	1.05+0.5	0.55+0.1	0.48+0.2	0.24-2.2	2.42
Debt-to-Equity	0.46+1.1	-0.64-0.3	-0.38-0.6	0.17-0.1	0.28-0.3	0.61+0.6	-0.03-0.1	0.03
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is SWVL HOLDINGS CORP's annual revenue?

SWVL HOLDINGS CORP (SWVL) reported $24.2M in total revenue for fiscal year 2025. This represents a 40.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is SWVL HOLDINGS CORP's revenue growing?

SWVL HOLDINGS CORP (SWVL) revenue grew by 40.5% year-over-year, from $17.2M to $24.2M in fiscal year 2025.

Is SWVL HOLDINGS CORP profitable?

Yes, SWVL HOLDINGS CORP (SWVL) reported a net income of $1.3M in fiscal year 2025, with a net profit margin of 5.4%.

How much debt does SWVL HOLDINGS CORP have?

As of fiscal year 2025, SWVL HOLDINGS CORP (SWVL) had $4.4M in cash and equivalents against $1.0M in long-term debt.

What is SWVL HOLDINGS CORP's net profit margin?

SWVL HOLDINGS CORP (SWVL) had a net profit margin of 5.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is SWVL HOLDINGS CORP's return on equity (ROE)?

SWVL HOLDINGS CORP (SWVL) has a return on equity of 44.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is SWVL HOLDINGS CORP's free cash flow?

SWVL HOLDINGS CORP (SWVL) generated -$2.1M in free cash flow during fiscal year 2025. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is SWVL HOLDINGS CORP's operating cash flow?

SWVL HOLDINGS CORP (SWVL) generated -$2.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are SWVL HOLDINGS CORP's total assets?

SWVL HOLDINGS CORP (SWVL) had $20.0M in total assets as of fiscal year 2025, including both current and long-term assets.

What are SWVL HOLDINGS CORP's capital expenditures?

SWVL HOLDINGS CORP (SWVL) invested $10K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does SWVL HOLDINGS CORP have outstanding?

SWVL HOLDINGS CORP (SWVL) had 10M shares outstanding as of fiscal year 2025.

What is SWVL HOLDINGS CORP's current ratio?

SWVL HOLDINGS CORP (SWVL) had a current ratio of 1.08 as of fiscal year 2025, which is considered adequate.

What is SWVL HOLDINGS CORP's debt-to-equity ratio?

SWVL HOLDINGS CORP (SWVL) had a debt-to-equity ratio of 0.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is SWVL HOLDINGS CORP's return on assets (ROA)?

SWVL HOLDINGS CORP (SWVL) had a return on assets of 6.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is SWVL HOLDINGS CORP's cash runway?

Based on fiscal year 2025 data, SWVL HOLDINGS CORP (SWVL) had $4.4M in cash against an annual operating cash burn of $2.1M. This gives an estimated cash runway of approximately 25 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is SWVL HOLDINGS CORP's Piotroski F-Score?

SWVL HOLDINGS CORP (SWVL) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are SWVL HOLDINGS CORP's earnings high quality?

SWVL HOLDINGS CORP (SWVL) has an earnings quality ratio of -1.63x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is SWVL HOLDINGS CORP?

SWVL HOLDINGS CORP (SWVL) scores 42 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.