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Presentation for investors Sto SE & Co. KGaA 31/08/2026 Sto SE & Co. KGaA reception building Design: Wilford Schupp Architekten, Stuttgart, DE Orange Blu, Stuttgart, DE 1
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2 31/08/2026 Presentation for investors 1 2 3 4 Business model General conditions & strategy Key financial figures / Information about the Sto share Forecast and outlook Disclaimer: Any statements in this presentation that relate to the future correspond to the state of knowledge available at the time when the presentation was produced. These statements are subject to risks and uncertainties over which Sto SE & Co. KGaA largely has no influence. Relevant risks and uncertainties are addressed in detail in the risks and opportunities report in the context of financial reporting. Although the utmost care is taken when making statements relating to the future, the accuracy of these statements cannot be g uaranteed. The actual results may therefore deviate from the expected results as described here. Where sequences of numbers are cited in the context of this presentation, Sto SE & Co. KGaA would like to point out that they do not represent trends, forecasts, or other statements relating to the future. Definitive statements in this regard are contained in the ordinary financial reporting only. No liability is assumed and no guarantees are made, either expressly or by implication, regarding the up -to-dateness, accuracy, and completeness of the data and information in this presentation.
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From our Guiding Principles Our vision: technology leader in the sustainable design of living space tailored to human needs. Worldwide. Our mission: building with conscience. 31/08/2026 World map in render in the Sto SE & Co. KGaA reception building 3
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1,223 77% 165 10% 203 13% Western Europe Northern/Eastern Europe America/Asia/Pacific Sto - segment turnover Share of Sto Group consolidated turnover for 2025 31/08/20264 Figures in EUR million and %. Turnover 2025 Sto Group: EUR 1,591 million
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Sto - product groups Share of Sto Group consolidated turnover for 2025 31/08/20265 Figures in EUR million and %; other product groups: Including floor coatings and products for concrete repair. 740 46% 378 24% 240 15% 233 15% Façade systems Façade coatings Interiors Other product groups Turnover 2025 Sto Group: EUR 1,591 million
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Internal insulation Acoustic systems Lacquers, glazes, and stains Facade coatings Interior coatings Thermal insulation/ rainscreen cladding facade Concrete and floor coatings Simplified schematic diagram. Applications Sto products & systems 31/08/202666
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Climate protection Sto’sbusiness model makes a direct contribution 31/08/20267
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Climate protection Sto products - external wall insulation system (ETICS) 31/08/202688 StoTherm Classic®system build-up 1 2 3 34 5 1 ─ Bonding 2 ─ Insulation 3 ─ Reinforcing compound 4 ─ Reinforcing mesh 5 ─ Finish
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9 31/08/2026 ETICS according to fire class and costs (investor) Sto is an insulation-indifferentiated system provider for ETICS. Notes: Presentation exclusively relevant for the German market. Costs include material + labour.
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10 Quality, climate protection and resource conservation are the basis for our AimS product line. We are setting new standards in ecological and economic criteria and achieving excellent processing properties. Approx. 30% of the binder in AimS plasters and paints is made from renewable raw materials. Pine oil is used instead of crude oil. For a detached house with a facade area of approx. 200 m², the use of StoArmat Classic AimS / Stolit AimS / StoColor Lotusan AimS saves approx. 40 litres of crude oil. AimS products support climate-friendly construction AimS. The most sustainable product line of Sto 31/08/2026
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31/08/202611 Product: World's first cement-free, mineral adhesive and reinforcing mortar with a CO2 eq saving of -50% (EPD A1-A3, cradle-to-gate) *1) Meets all the requirements of a mineral mortar for use in an ETICS Application to EPS, mineral wool and soft wood fibre approvals available Processing properties like standard products CO2-saving (example*2): multi-family house, 800 m²): Savings: 1,728 kg CO2 = 2,400 truck-km = distance Copenhagen-Madrid Technology: Innovative, patented binder combination based on recycled raw materials (without Portland cement) Technology approach can be transferred to other product lines Supporting the alignment of product development with European climate targets StoLevell Neo AimS Cement-free mineral bonding & reinforcement mortar for ETICS *1) EPD-based, compared to conventional, cementitious mortar for ETICS *2) based on EPD data A1–A3. The cement-free bonding mortar StoLevell Neo AimS receives the award of the German Sustainability Award Foundation in the climate category.
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General contractors Planners Architects Direct distribution Trade/specialised companies Housing industry Investors Core target groups 31/08/202612 The customers that purchase from the Sto brand are generally tradespeople or specialist companies. The market cultivation activities for the Sto brand focus on these three target groups.
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Headquarters Stühlingen SalesCentresca. 90 ca. 300 Sales Germany Employees in the sales force incl. application engineering 13 31/08/2026 As at: 16.04.2026 Sto - presence in Germany
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Headquarters Stühlingen 1 2 5 4 8 6 7 10 subsidiaries 1 StoCretec GmbH 2 SÜDWEST Lacke + Farben GmbH & Co. KG 3 STRÖHER Gruppe - STRÖHER GmbH - STRÖHER Produktions GmbH & Co. KG - GEPADI FLIESEN GmbH 4 JONAS Farben GmbH 5 VIACOR Polymer GmbH 6 Verotec GmbH 7 Innolation GmbH 8 Liaver GmbH & Co. KG 3 14 31/08/2026 As at: 16.04.2026 Sto - presence in Germany
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With 50 Sto-subsidiaries in 35 countries represented Represented with partners in more than 60 other countries Sto – international presence Subsidiary Partner 15 31/08/2026 As at: 16.04.2026
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The Sto Group at a glance Sto Group Company brand Mixed brand presence Individual/family brand 16 31/08/2026
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17 31/08/2026 Presentation for investors 1 2 3 4 Business model General conditions & strategy Key financial figures / Information about the Sto share Forecast and outlook Disclaimer: Any statements in this presentation that relate to the future correspond to the state of knowledge available at the time when the presentation was produced. These statements are subject to risks and uncertainties over which Sto SE & Co. KGaA largely has no influence. Relevant risks and uncertainties are addressed in detail in the risks and opportunities report in the context of financial reporting. Although the utmost care is taken when making statements relating to the future, the accuracy of these statements cannot be g uaranteed. The actual results may therefore deviate from the expected results as described here. Where sequences of numbers are cited in the context of this presentation, Sto SE & Co. KGaA would like to point out that they do not represent trends, forecasts, or other statements relating to the future. Definitive statements in this regard are contained in the ordinary financial reporting only. No liability is assumed and no guarantees are made, either expressly or by implication, regarding the up -to-dateness, accuracy, and completeness of the data and information in this presentation.
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The history of Sto Founded in: 1955 From a lime plant to a global provider of coating solutions 31/08/2026 Sto SE & Co. KGaA communications building, Stühlingen Photo: Christian René Schulz, Bielefeld Design: Michael Wilford Architekten, Stuttgart/London 18
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Family entrepreneurs: Jochen Stotmeister (1), Gerd Stotmeister (2), Fritz Stotmeister († 21.04.2022) (3) 1) Chairman of the Supervisory Board of STO Management SE & Chairman of the Executive Board (1988–2015) 2) Member of the Supervisory Board of STO Management SE & Chief Technology Officer (1998–2016) 3) Honorary member of the Executive Board of Sto SE & Co. KGaA & founder of ISPO-Putz KG The history of Sto 19 31/08/2026
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Executive Board of STO Management SE 20 31/08/2026 Rainer Hüttenberger Chief Executive Officer Désirée Konrad Chief Financial Officer Jost Bendel Chief Technology Officer
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Promoting young talent through education: the StoFoundation The foundation, which was launched in 2005, promotes the education of young people in trade and academic environments. It also supports projects for the preservation of historic monuments and the development of eco-friendly building materials. TRAINING AND FURTHER EDUCATION FOR TRADESPEOPLE AND ARCHITECTS 31/08/2026 Social responsibility 21
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Megatrends are long-term developments that bring about lasting changes in society and the economy. Our strategy enables us to respond to this dynamic of change. Global megatrends changing the world Future of work Increasing population and demographic change Sustainability and climate change Digitisation and technological advancements Dynamic shifts in politics and the economy Individualisation and different life models 31/08/202622 Strategy
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Derived from the megatrends, our strategy addresses relevant sub-trends. Systematic trend management enables us to identify emerging trends and risks at an early stage so that we can respond to them. Consideration of relevant sub-trends Corporate culture Changes in the world of work (new work) Lack of affordable housing Industrial prefabrication and modular construction Circular economy Sustainable products and construction types Automation and robotics Omni-channel and artificial intelligence Intertwining of business and politics Shifting power relationships Urbanisation Diversity and equality IT and cybersecurity … 31/08/202623 Strategy
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Solution Leadership Our solution leadership and our core competences make us the first choice for facades. Productivity We increase productivity through efficient processes, lean structures, and digitisation. Growth We grow by creating value and outpacing the market in defined segments and product groups. Sustainability Sustainability is a core competence. Customer Centricity We make it easier for our customers to do business with us. Employees It is the people at Sto that make the difference. Strategic targets at a glance Strategy 24 31/08/2026
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M&A supports target achievement M&A is aligned with the Group strategy. It is used specifically to access and develop markets and to expand expertise in order to overcome potential limits of in-house developments. 31/08/202625 Strategy
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10 Group strategic initiatives are the focus of our Strategy 2030 Tangible differentiation Industrial prefabrication Core segments & product groups Rising segments & product groups Omni- channel Demand-driven supply chain Organisation & steering Digital transformation Sustainability strategy Culture & personnel development Strategy 26 31/08/2026
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By developing and marketing competitive, sustainable products and systems as well as digital services, we differentiate ourselves from the competition and create added value for our target groups. Tangible differentiation Strategy 27 31/08/2026
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28 Sto Climate Partner Initiative As the ETICS market leader , we are driving forward climate targets in sustainable building renovation with the specialist trade. Sto Climate Partners are actively shaping the future of building with us. Strategy 31/08/2026
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31/08/202629 StoHome – the fastest way to the quote StoHome App - Exclusively for climate partners optimises and digitalises the quotation process for the renovation of detached and semi-detached houses Includes: • visualisation • area determination • product selection • petermination of service items • Creating material lists • ordering via webshop (in preparation) offers end customers expert advice and reliable results offers craftsmen productivity, speed, order security, competitive advantages and growth
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By developing and marketing prefabricated construction elements for serial refurbishment and new built, providing automation units as well as robots for the application of our product range, we expand our solution leadership. Industrial prefabrication Strategy 30 31/08/2026
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31/08/202631 Manufacturing technology Robot cells for the fully automatic application of insulation, reinforcement, including mesh, and external render Development of holistic solutions that combine product, process and machinery to achieve maximum performance in the application of Sto products Sales of machines/robots in combination with Sto materials as well as technical support and application advice for partners Complete solution along the entire process chain - from material storage in the silo to fully automated application of the material Strategy
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Core segments and product groups By strengthening our core segments and core product groups, as well as optimising our country-specific approach, we ensure the long-term success of our business. All our subsidiaries deliver their own positive contribution. Strategy 32 31/08/2026
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By systematically identifying potential, we create the basis for the targeted development of new markets and the achievement of significant market coverage. Rising segments and product groups Strategy 33 31/08/2026
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34 Automotive and automotive supply industry Semiconductor production Data center Electronics industry Clean room StoFloor ESD KU 614 Reliable protection for ESD areas State-of-the-art, volume-conductive ESD technology Complies with all current ESD standards 31/08/2026 Strategy Electrical conductivity coatings for floors Avoidance of electrostatic charges and discharges
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35 Rainscreen cladding facades Versatile system solutions - More than meets the eye StoVentec • Holistic solutions: from the sub-construction to the cladding • High degree of design freedom: jointless or joint- accentuated facades • Wide range of applications: New build & renovation residential & non-residential construction • Flexible application: conventionally installed on site or integrated into prefabrication processes Project: Maina, Fossano, IT Planning: Giovanni Arnaudo, Cuneo, IT 31/08/2026 Strategy
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By pursuing a proactive omni-channel approach in Europe, we offer our customers not only personal contact but also a unified customer experience across all sales channels, such as the web shop. Omni- channel Strategy 36 31/08/2026
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37 Strategy Project: Maina, Fossano, IT Planning: Giovanni Arnaudo, Cuneo, IT 31/08/2026 Omni-Channel sales Webshop Social Media Always available Handles day-to-day business in terms of logistics and sales Online salesSales centre Supports customers and projects Field service
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31/08/202638 AI-based sales management in the project business From reactive sales management to data-based growth management 1 Data basis & transparency ▦ • CRM and market data, e.g. iBau ▤ • Customer, project and sales history ✓ • Single Source of Truth ▮ • Full transparency about customer potential and market 2 Sales Operating System ⌕ Potential analysis per customer, segment and region ◎ Prioritisation of customers and projects ◉ Focussing of sales resources ▲ Measures, pipeline performance control ⟳ Synchronised execution in sales 3 Business impact ▲ • Greater market penetration ● • Better utilisation of of existing customers ◎ • More focus on value- creating sales activities ◔ • Better controllability ▲ • Scalable, repeatable growth logic AI for sales management Strategy
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By having a future-proof distribution network and a demand-driven approach to the flow of goods across Europe, we increase our responsiveness and improve customer satisfaction. Demand-driven supply chain Strategy 39 31/08/2026
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By developing and steering our organisation in the future and through harmonised and efficient business processes, we increase the effectiveness and profitability of the entire Sto Group. Organisation and steering Strategy 40 31/08/2026
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By equipping the organisation with the right digital tools and solutions, combined with a modern system and data architecture, we support our employees in their day-to- day work. Digital transformation Strategy 41 31/08/2026
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By implementing our sustainability strategy, we contribute to climate and environmental protection above and beyond legal requirements. We also actively assume social and societal responsibility. Sustainability strategy Strategy 42 31/08/2026
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By actively living our attitudes, we are creating a framework for all employees to have an impact and in which talents and teams can develop. This is how we shape the future and secure the success of our business, together . Culture and personnel development Connected Strategy 43 31/08/2026
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44 EU Energy Performance of Buildings Directive Current status The deadline for transposing the EU Energy Performance of Buildings Directive (EPBD) into national law was 29 May 2026. No Member State has met this deadline. Transposition by the end of 2026 is likely to be tolerated; after that, infringement proceedings may be initiated. Current focus of the European Commission: • Enforcing the submission of national renovation plans to achieve the 2030/2040 climate and energy targets. • Final plans from Member States must be submitted December 2026. Residential buildings: • Clear reduction targets for energy consumption by 2030/2035 • Significant need for refurbishment of the building envelope in worst- performing buildings (WPB). Non-residential buildings: • Binding refurbishment obligations for the most energy-inefficient buildings. • Gradual expansion by 2035. 31/08/2026
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Green Deal Building Modernisation Act (GModG) in Germany Effective from 29 July 2026: The Building Energy Act (GEG) becomes the Building Modernisation Act (GModG). Repeal of the ‘Heating Act’ and abolition of the “65% renewable energy rule”. Green gas quota from 2028 for biomethane and hydrogen. Bio-step from 2029 with an increasing minimum share of climate -friendly gases. The GModG implements the requirements of the EPBD. BEG funding: Basic grant for insulation measures: 15% of eligible costs. Individual Renovation Roadmap (iSFP): Doubling of eligible costs for single-family homes from €30,000 to €60,000, plus a 5% bonus on the portion of costs exceeding €30,000. From 2027: an additional 5% bonus for insulation measures on multi-family buildings. 45 A B C D E F G 31/08/2026
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Sto has great expertise when it comes to energy-efficient facade insulation for new buildings and refurbishment projects. Building permits for new construction: +6.0%residential construction overall, +7.1% multi-family houses, +15.6% detached and semi- detached houses. High refurbishment requirements: Refurbishment rate required for climate targets 1.9% vs. current/2025 0.67%. Necessary framework conditions: reliable funding and less bureaucracy. (Building) energy efficiency as an alternative solution to reduce (energy) dependencies and create domestic added value. 46 Building stock in Germany Sources: VDPM – Verband für Dämmsysteme, Putze und Mörtel e.V. ; Bundesverband energieeffiziente Gebäudehülle (BuVeG) | As at December 2025 31/08/2026
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Funding landscape European Sto markets Potential impacts: North-West Europe and Germany Estonia Latvia Lithuania Denmark Norway Sweden Finland Iceland Austria Slovenia Croatia Albania Turkey Romania Bulgaria Moldova Ukraine Hungary Slovakia Czech Rep. Poland Belarus Bosnia and Herzegovina Serbia Italy France Switzerland Germany Netherlands Luxembourg Belgium Spain Portugal Great Britain Ireland Greece CyprusMalta Montenegro BEG €12 bill. in 2026: a reduction in the subsidy budget compared with the previous year. From July 2026, a gradual reduction in the eligible costs of refurbishment measures for multi -family dwellings. For detached houses, part of the subsidy will be linked to a minimum investment threshold. The ‘Efficiency House – Listed Building’ subsidy scheme will be discontinued. From 2027, a new bonus is planned for energy efficiency measures in buildings with very poor energy performance MaPrimeRénov’ 2026 The budget for energy efficiency improvements in building engineering remains at the same level as last year. However, the 2026 funding scheme will prioritise extensive, i.e. capital - intensive, refurbishments. Individual measures are no longer eligible for funding, which may have a negative impact on EWIS. Royal Decree 326/2026 2026-2030 National Housing Plan – €7 billion, of which approximately €2.1 billion is expected to be allocated to the energy-efficiency refurbishment of residential buildings and to new social housing construction projects. Successor to Royal Decree 853/2021 Energirenoveringspuljen 2026 € 6.9 million for homeowners who carry out energy efficiency improvements in buildings in the lowest energy efficiency classes. Håndværkerfradrag (Tax deduction) 2025–2027 for tradespeople’s invoices relating to green renovation and climate protection initiatives. Products are not eligible for the scheme. ISDE €600 million for 2026 | 2023–2030 budget: €4.5 billion to promote the use of sustainable energy resources and energy-saving measures in private homes. Special funding for bio -based insulation. From 2025, no funding will be available for owners’ associations. SVVE €179 million by 2030. Supports comprehensive energy-efficiency refurbishments. Low impact on EWIS. No funding schemes have currently been identified in Norway and Finland Flanders: 2026 Funding for high-income groups has been stopped. Funding is now channelled to low - income households. Brussels : 2026 as in 2025, no funding. Wallonia : since 10_2026 The traditional ‘primes Habitation’ scheme will be phased out and replaced by a scheme offering low-interest loans for energy-efficiency refurbishments. European Investment Bank (EIB) is granting the City of Malmö a loan of €225 million for the period 2025–2029 for the construction of energy-efficient housing. ROT Tax relief scheme for home improvements aimed at private homeowners, with a maximum of approximately €5,000 per person. Source: Information based on internal desk research and internal interpretation. 47 31/08/2026
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Funding landscape European Sto markets Potential impacts: South-East Europe Estonia Latvia Lithuania Denmark Norway Sweden Finland Iceland Austria Slovenia Croatia Albania Turkey Romania Bulgaria Moldova Ukraine Hungary Slovakia Czech Rep. Poland Belarus Bosnia and Herzegovina Serbia Italy France Switzerland Germany Netherlands Luxembourg Belgium Spain Portugal Great Britain Ireland Greece CyprusMalta Montenegro Sanierungsoffensive for 2026, exclusively for new heating systems. At federal state level, funding is still available for 2026. This is often not used for EWIS. Ecobonus: 50 per cent tax relief, over 10 years, for energy-efficient refurbishment of residential buildings. Bonus Casa: 36 per cent (2026) 30 per cent (2027) Tax relief on general building and renovation work . Conto Termico: A grant of 40 per cent–65 per cent for energy-efficient refurbishments of non -residential buildings, public buildings and residential buildings. Sismabonus (Earthquake zones): 110 per cent – fixed grant. PNRR M7-I17: A grant up to 65 per cent eligible costs of energy -efficiency refurbishment of public build. Gebäudeprogramm approx. CHF 516 mill per year for 2027, of which approx. CHF 145 million per year is for thermal insulation. Impulsprogramm des Klimaschutz- und Innovationsgesetzes CHF 200 mill./year 2025 - 2035. Clean Air funding until 2030, the focus will be on (cost-)efficient thermal modernisation in the construction of detached houses. Liquidity problems from 2025 have been resolved. FEnIKs until 2027 Grants and low-interest loans for public buildings and the housing sector. A funding scheme that also covers infrastructure, transport, health, etc. Thermomodernisation Bonus 2026: Funding of up to 31% for compreh. energy-efficiency refurbishment. Nová zelená úsporám light €228 mill. 2026-2029 Grant for low-income households for energy-efficiency improvements Interest-free loans 2026 for futher types of accommodation: detached houses, flats Obnov Dom The ‘Restore the House’ scheme is currently on hold – it is due to restart in September 2026. Funding for the energy-efficiency refurbishment of detached houses. Obnov dom – 6th challenge : 2025-2026 additional funding for Obnov Dom. Obnov dom 2026 - 2027 – Mini Plus supports small-scale renovation projects for socially disadvantaged, low-income households CSOK loan program für 2024-2027 Financial support for new-build and renovation housing. The level of support depends on the number of children. An energy efficiency focus is not a requirement. Falusi CSOK 2024-2027 For local authorities with fewer than 5,000 residents. Funding for new builds and renovations. Level of funding depends on the number of children. Energy efficiency focus is not mandatory. Otthonfelujitas bis 2027 Grants and loans for energy-efficiency improvements and building refurbishment in residential properties. The framework conditions vary between urban and rural areas. Otthón Start 8/2026 suspension of the special status and planning permission for major state -supported and developer-led residential construction projects associated with the programme until the end of the year. 48 Source: Information based on internal desk research and internal interpretation. 31/08/2026
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49 Residential building permits EU 2020–2026* Signs of a slight recovery in spring 2026 are becoming apparent * Usable area m2 | Number of buildings Residential 31/08/2026
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50 Building permits for new residential construction in Germany Number of buildings Source: Statistisches Bundesamt 3,328 3,855 3,671 3,688 3,695 3,704 3,963 3,782 3,507 3,896 3,542 3,676 3,879 3,899 4,342 4,106 4,015 4,064 4,669 4,410 4,607 4,323 4,138 4,303 4,432 4,561 4,928 4,430 4,670 4,817 768 892 884 864 868 852 781 902 740 886 820 1,0 30818 821 952 886 806 824 1,0 43 859 1,1 40 919 1,0 02 1,102966 1,0 07 1,011 953 933 1,0 53 4,096 4,747 4,555 4,552 4,563 4,556 4,744 4,684 4,247 4,782 4,362 4,706 4,697 4,720 5,294 4,992 4,821 4,888 5,712 5,269 5,747 5,242 5,140 5,405 5,398 5,568 5,939 5,382 5,603 5,870 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 2024 2025 2026 Single-family houses Multi-family houses 31/08/2026
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51 Construction measures renovation Residential buildings in Germany Number of construction projects Source: Statistisches Bundesamt 4,017 4,390 4,484 4,467 4,396 4,668 4,770 4,615 4,054 4,421 4,360 4,143 4,010 4,007 4,382 4,204 4,482 4,433 4,920 4,285 4,367 4,357 4,070 3,913 4,000 4,077 4,419 4,149 4,047 4,371 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 2024 2025 2026 Baumaßnahmen SanierungRenovation construction measures 31/08/2026
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52 Interest rate trends in the eurozone Increase in EUR benchmark interest rates* leads to higher mortgage interests 31/08/2026 1,5 2.0 2.5 3.0 3.5 4.0 1Y 2Y 5Y 7Y 15Y 20Y 25Y 30Y Market yield (%) 10Y 12Y Duration (years) aktuell vor 6 Monaten *Current market yields for German government bonds As at August 2026 | Source: German Finance Agency current 6 months ago
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53 Germany Ø temperature trend -2 -1 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 Januar Februar März April Mai Juni Juli August September Oktober November Dezember Grad Celsius 2023 2024 2025 2026 Source: Deutscher Wetterdienst 31/08/2026
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54 31/08/2026 Presentation for investors 1 2 3 4 Business model General conditions & strategy Key financial figures / Information about the Sto share Forecast and outlook Disclaimer: Any statements in this presentation that relate to the future correspond to the state of knowledge available at the time when the presentation was produced. These statements are subject to risks and uncertainties over which Sto SE & Co. KGaA largely has no influence. Relevant risks and uncertainties are addressed in detail in the risks and opportunities report in the context of financial reporting. Although the utmost care is taken when making statements relating to the future, the accuracy of these statements cannot be g uaranteed. The actual results may therefore deviate from the expected results as described here. Where sequences of numbers are cited in the context of this presentation, Sto SE & Co. KGaA would like to poi nt out that they do not represent trends, forecasts, or other statements relating to the future. Definitive statements in this regard are contained in the ordinary financial reporting only. No liability is assumed and no guarantees are made, either expressly or by implication, regarding the up -to-dateness, accuracy, and completeness of the data and information in this presentation.
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55 31/08/2026 Presentation for investors 3 Key financial figures / Information about the Sto share Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages in this report. Sto at a glance 2025 Annual Report Information about the Sto share Sto at a glance Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share Half-year financial report for the period from 1 January to 30 June 2026 Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share
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Sto - at a glance 31/08/202656 * ROCE = EBIT divided by average capital employed. Capital employed = Intangible assets + Property, plant, and equipment + Rights of use + Inventories + Trade receivables ./. Trade payables Balance sheet values are calculated on the basis of an arithmetic average value of the respective reporting date values at the end of the month for the respective period. ** 2025: proposal by the personally liable partner STO Management SE and the Supervisory Board of Sto SE & Co. KGaA. Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages in this report.
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Sto - at a glance Group segment reporting as at 31st December 2025 31/08/202657
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58 31/08/2026 Presentation for investors 3 Key financial figures / Information about the Sto share Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages in this report. Sto at a glance 2025 Annual Report Information about the Sto share Sto at a glance Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share Half-year financial report for the period from 1 January to 30 June 2026 Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share
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-46% vs. PY +17% vs. PY-1% vs. PY +4% vs. PY Sto Group financial figures HY1/2026 Highlights 31/08/202659 806 EUR million turnover 12 EUR million Investments* 5,507 Employees Information acc. to IFRS; * without: financial assets and IFRS 16. 30 EUR million R EBT
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Sto Group financial figures HY1/2026 Summary 60 Sto SE & Co. KGaA Group turnover rises by 3.7% to EUR 805.5 million by the end of June 2026. First-quarter shortfall made up despite challenging conditions. EBIT rises by 20.6 % to EUR 30.5 million and EBT by 16.8% to EUR 29.9 million. EBIT margin rises from 3.3% to 3.7%. The number of employees worldwide decreases by 27 to 5,507. Outlook for the full year 2026 remains unchanged: consolidated turnover of EUR 1.62 billion and EBIT of between EUR 56 million and EUR 76 million expected. 31/08/2026
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Sto Group Overview HY1/2026 Improved profitability despite a challenging market environment 61 Information acc. to IFRS; Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages inthis report. 31/08/2026
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in EUR million Information acc. to IFRS. Sto Group turnover HY1/2026: Positive performance despite challenging conditions 62 31/08/2026 888 856 796 777 806 01 - 06 2022 01 - 06 2023 01 - 06 2024 01 - 06 2025 01 - 06 2026
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in EUR million Information acc. to IFRS. Sto Group turnover HY1/2026: Group segment reporting 63 31/08/2026 +5% +9% -5% 597 623 77 84 104 98 01 - 06 2025 01 - 06 2026 Westeuropa Nord-/Osteuropa Amerika/Asien/Pazifik
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Sto Group turnover HY1/2026: In Germany +5%; Outside of Germany +3% in EUR million Information acc. to IFRS. 64 31/08/2026 373 357 322 309 324 515 499 474 468 482 01 - 06 2022 01 - 06 2023 01 - 06 2024 01 - 06 2025 01 - 06 2026 Inland Ausland
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Sto Group EBT & EAT HY1/2026: Improved earnings despite a challenging market environment Information acc. to IFRS. 65 in EUR million 31/08/2026 63 58 30 26 30 44 40 20 16 19 01 - 06 2022 01 - 06 2023 01 - 06 2024 01 - 06 2025 01 - 06 2026 EBT EAT
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66 Sto Group employees HY1/2026: Group-wide workforce reduced 31/08/2026 3,116 3,125 3,131 3,032 3,027 2,680 2,676 2,653 2,502 2,480 5,796 5,801 5,784 5,534 5, 507 30.06.2022 30.06.2023 30.06.2024 30.06.2025 30.06.2026 In Germany Outside Germany Sto Group
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Sto Group investments HY1/2026: Investments below the previous year’s figure Information acc. to IFRS; however, without effects from IFRS 16, without investments and depreciation/amortization of financial assets. 67 in EUR million 31/08/2026 14 14 16 22 12 01 - 06 2022 01 - 06 2023 01 - 06 2024 01 - 06 2025 01 - 06 2026
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AKTIVA PASSIVA (Equity ratio 63%) Non-current provisions and liabilities 176 Current provisions and liabilities 267 Cash and Cash equivalents 103 Sto Group balance sheet Very solid balance sheet structure as at 30/06/2026 Information acc. to IFRS. 68 in million EURNon-current assents 497 Equity capital 765 Current assets 608 1,208 1,208 31/08/2026
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Sto Group P&L HY1/2026 Improved profitability despite a challenging market environment 69 Information acc. to IFRS. 31/08/2026
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StoGroup Cash Flow Statement HY1/2026 Cash and cash equivalents at the end of the period above previous year 70 Information acc. to IFRS. 31/08/2026
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StoGroup balance sheet HY1/2026 Comparison of balance sheet as at 30 June 2026 with previous year 71 Information acc. to IFRS. 31/08/2026
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72 Information acc. to IFRS. StoGroup balance sheet HY1/2026 Comparison of balance sheet as at 30 June 2026 with previous year 31/08/2026
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73 31/08/2026 Presentation for investors 3 Key financial figures / Information about the Sto share Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages in this report. Sto at a glance 2025 Annual Report Information about the Sto share Sto at a glance Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share Half-year financial report for the period from 1 January to 30 June 2026 Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share
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-4% vs. PY -1% vs. PY -2% vs. PY Sto Group financial figures Q1/2026 Highlights 31/08/202674 319 EUR million Turnover 6 EUR million Investments* 5,510 Employees Information acc. to IFRS; * without: financial assets and IFRS 16. Increase in seasonally typical Q1 deficit compared to same period of the previous year
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Sto Group financial figures Q1/2026 Summary 31/08/202675 Sto SE & Co. KGaA: Unfavourable weather conditions and construction downturn at the start of the year impact business development in the first quarter of 2026. Consolidated turnover decreases by 1.9% to EUR 318.5 million compared to the same period of the previous year; decline of 1.1% in Germany and 2.5% outside of Germany. Increase in seasonally typical Q1 deficit compared to 2025. Group's workforce reduced by 77 to 5,510 employees as at the reference date. Outlook for 2026 as a whole: consolidated turnover of EUR 1.62 billion and EBIT between EUR 56 million and EUR 76 million expected.
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Sto Group Q1/2026 – Overview Weather conditions and negative developments in the construction sector impact business development 31/08/202676 Information acc. to IFRS; Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages in this report.
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in EUR million Sto Group turnover Q1/2026: Weather conditions influence negative development 31/08/202677 368 362 341 325 319 01 - 03 2022 01 - 03 2023 01 - 03 2024 01 - 03 2025 01 - 03 2026 Information acc. to IFRS.
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in EUR million Information acc. to IFRS. Sto Group turnover Q1/2026: Group segment reporting 31/08/202678 -1% +2% -12% 249 247 29 29 48 42 01 - 03 2025 01 - 03 2026 Westeuropa Nord-/Osteuropa Amerika/Asien/Pazifik
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Sto Group turnover Q1/2026: In Germany -1 %; Outside Germany -3 % in EUR million Information acc. to IFRS. 31/08/202679 152 147 136 123 122 217 215 204 201 196 01 - 03 2022 01 - 03 2023 01 - 03 2024 01 - 03 2025 01 - 03 2026
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31/08/202680 Sto Group employees Q1/2026: Group-wide workforce reduced year-on-year 3,134 3,125 3,148 3,067 3,049 2,639 2,646 2,656 2,520 2,461 5,773 5,771 5,804 5,587 5,510 31.03.2022 31.03.2023 31.03.2024 31.03.2025 31.03.2026 Inland Ausland Sto-Konzern
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Sto Group investments Q1/2026: Investments in further growth Information acc. to IFRS; however, without effects from IFRS 16, without investments and depreciation/amortisation of financial assets. 31/08/202681 in EUR million 5.6 6.0 6.4 5.7 5.5 01 - 03 2022 01 - 03 2023 01 - 03 2024 01 - 03 2025 01 - 03 2026
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82 31/08/2026 Presentation for investors 3 Key financial figures / Information about the Sto share Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages in this report. Sto at a glance 2025 Annual Report Information about the Sto share Sto at a glance Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share Half-year financial report for the period from 1 January to 30 June 2026 Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share
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Sto Group 2025 Forecasted turnover and earnings targets achieved 31/08/2026 About the title image In Zuidas, Amsterdam's fast-growing business district, the project team led by VMX Architects has realised a highly visible urban building block. With 'The Pulse', a perimeter block development with two towers has been created in the new neighbourhood, combining office and residential use in one project. The striking, three-dimensional and highly energy-efficient facade of the residential tower was insulated with the StoTherm Mineral system. With the StoCleyer B mineral flat facing brick slips, the desired brick look could be realised as a continuous surface with low weight on the high-rise residential building. Photo: Marcel van der Burg, Amsterdam, NL 83
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+20% vs. PY +7% vs. PY-2% vs. PY -1% vs. PY Sto Group financial figures 2025 Highlights 31/08/202684 1,591 EUR million Turnover 44 EUR million Investments* 5,482 Employees Information acc. to IFRS; * without: financial assets and IFRS 16. 65 EUR million EBT
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Sto Group financial figures 2025 Summary 31/08/202685 Sto Group achieves all forecast figures in 2025 despite persistently difficult general conditions. Group sales decrease by 1.3% to EUR 1,591.1 million. Declines in Germany and abroad due to lack of momentum in the construction industry. Group earnings improve: EBIT rises by 9.5% to EUR 64.4 million and EBT by 7.2% to EUR 65.3 million; return on sales increases to 4.1%. Cash flow from operating activities increases to EUR 94.5 million (previous year: EUR 90.5 million). Group workforce decreases by 117 to 5,482 employees worldwide compared to the reporting date. Outlook for 2026: Sto anticipates Group turnover of EUR 1.62 billion and EBIT of between EUR 56 million and EU R 76 million.
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in EUR million Information in accordance to IFRS. Sto Group turnover Difficult market conditions burden the Sto Group's business development 31/08/202686 1,591 1,787 1,718 1,612 1,591 2021 2022 2023 2024 2025
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Sto Group turnover Share of turnover generated outside of Germany decreased from 59.5 % to 59.4 % in EUR million Information in accordance to IFRS. 31/08/202687 693 762 716 654 646 898 1.026 1.002 959 945 2021 2022 2023 2024 2025 In Germany Outside Germany
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88 Development of ETICS market in Germany 31/08/2026 34 34 34 33 35 36 36 30 28 26 27 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026f Million m² Source: B+L Marktdaten GmbH: Quarterly Report Q4 2025 ETICS. B+L Marktdaten GmbH retroactively updated by B+L.
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in EUR million Sto Group turnover Facade systems still product group with largest share of total Group volume 31/08/202689 Information in accordance to IFRS. Other product groups 233 Other product groups 233 Interior 241 Interior 240 Facade coatings 378Facade coatings 388 Facade systems 740 Facade systems 750 -1% -3% - - 2024 2025
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Sto Group shares of insulation board sales* 31/08/202690 as at 12/2024 as at 12/2025 *only associates with ERP SAP, sales basis in m². 65% 30% 3% 2% 64% 30% 4% 2%
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Shares of insulation board sales Sto SE & Co. KGaA 31/08/202691 *Sales basis in m². 55% 38% 5% 2% 57% 37% 4% 2% as at 12/2024 as at 12/2025
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EBT & EAT Sto Group Earnings forecast achieved Information in accordance to IFRS. 31/08/202692 in EUR million 128 128 127 61 65 95 89 86 38 39 2021 2022 2023 2024 2025 EBT EAT
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31/08/202693 Sto Group employees Group's workforce reduced in 2025 3,127 3,130 3,171 3,100 3,067 2,570 2,605 2, 612 2,499 2,415 5,697 5,735 5,783 5,599 5,482 31.12.2021 31.12.2022 31.12.2023 31.12.2024 31.12.2025 In Germany Outside Germany Sto Group
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Sto Group investments and depreciation/ amortisation Investments in further growth Information in accordance to IFRS; however, without effects from IFRS 16, without investments and depreciation/amortisation of financial assets. 31/08/202694 in EUR million 42 47 47 36 44 47 42 42 41 42 2021 2022 2023 2024 2025 Investments Depreciation/amortisation
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AKTIVA PASSIVA Sto Group balance sheet Very solid balance sheet structure as at 31/12/2025, strong equity base Information in accordance to IFRS. 31/08/202695 in EUR million (Equity ratio 66%) Non-current assets 533 Equity capital 762 Current assets 515 Cash and cash equivalents 115 Non-current provisions and liabilities 180 Current provisions and liabilities 221 1,1631,163
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ROCE Sto Group Significant increase due to improved EBIT 31/08/202696 ROCE = EBIT divided by average capital employed Capital employed = balance sheet values are determined on the basis of an arithmetic average of the respective reference date values at month end for the respective period. Capital employed = Intangible assets + Property, plant, and equipment + Rights of use + Inventories + Trade receivables ./. Trade liabilities in % 18.9 17.3 17.1 7.8 8.7 2021 2022 2023 2024 2025
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97 31/08/2026 Presentation for investors 3 Key financial figures / Information about the Sto share Rounding of amounts may lead to minor deviations in totals and in the calculation of percentages in this report. Sto at a glance 2025 Annual Report Information about the Sto share Sto at a glance Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share Half-year financial report for the period from 1 January to 30 June 2026 Consolidated interim report for the period from 1 January to 31 March 2026 2025 Annual Report Information about the Sto share
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37% 57% 6% 31/08/202698 Sto share Shareholder structure and dividend information Information based on preference shares; * Dividend + bonus; ** Dividend yields based on the closing price of the corresponding y ear in each case; 2025: dividend proposal. Shareholder structure 2.3% 3.3% 3.6% 3.1% 2.7% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 2021 202 2 2023 2024 2025 Dividend yield**
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31/08/202699 Sto share - Share price trend 27.12.24 17.01.25 07.02.25 28.02.25 21.03.25 11.04.25 02.05.25 23.05.25 13.06.25 04.07.25 25.07.25 15.08.25 05.09.25 26.09.25 17.10.25 07.11.25 28.11.25 19.12.25 09.01.26 30.01.26 20.02.26 13.03.26 03.04.26 24.04.26 15.05.26 05.06.26 26.06.26 17.07.26 07.08.26 Sto Kommanditvorzugsaktien DAX DAXsector Construction (Performance) SDAX Kursentwicklung 01.01.2025 - 26.08.2026 (indexiert zum 30. Dezember 2024 = 100), Xetra
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100 31/08/2026 Presentation for investors 1 2 3 4 Business model General conditions & strategy Key financial figures / Information about the Sto share Forecast and outlook Disclaimer: Any statements in this presentation that relate to the future correspond to the state of knowledge available at the time when the presentation was produced. These statements are subject to risks and uncertainties over which Sto SE & Co. KGaA largely has no influence. Relevant risks and uncertainties are addressed in detail in the risks and opportunities report in the context of financial reporting. Although the utmost care is taken when making statements relating to the future, the accuracy of these statements cannot be g uaranteed. The actual results may therefore deviate from the expected results as described here. Where sequences of numbers are cited in the context of this presentation, Sto SE & Co. KGaA would like to point out that they do not represent trends, forecasts, or other statements relating to the future. Definitive statements in this regard are contained in the ordinary financial reporting only. No liability is assumed and no guarantees are made, either expressly or by implication, regarding the up -to-dateness, accuracy, and completeness of the data and information in this presentation.
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101 Outlook Geopolitical situation 31/08/2026 Escalating geopolitical conflicts increase global uncertainty Burdens on supply chains, energy prices and the investment climate Increased risks due to tariffs, trade conflicts and sanctions Negative effects on growth, inflation and financial markets increasingly possible High forecasting uncertainty with possible expansion of conflicts More downside risks than upside potential for global economic development in 2026 Material risks according to the Annual Report 2025, from page 45 onwards.
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102 Outlook Significant opportunities and risks Material opportunities EU Green Deal and climate targets as drivers for energy-efficient building refurbishment Sto products and systems cut heating costs and reduce CO₂ emissions An insulated building is essential for the efficient use of heat pumps As energy costs rise, expenditure on energy efficiency measures is amortised more quickly Lack of living space in many countries worldwide Omni-channel approach strengthens the sales base and complements the highly successful direct sales organization Sto products increase the value retention of p roperties Material risks according to the Annual Report 2025, from page 40 onwards. 31/08/2026
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103 31/08/2026 Outlook Outlook for 2026 as a whole * The forecast is based on average weather conditions and an economic development in line with expectations in Sto's key marketsas well as a mainly stable euro exchange rate. The negative impacts that could result from the war between Iran, Israel and the USA described in the Risk report, that was still ongoing at the time of compiling the management report are becoming more likely as the armed conflicts continue and expand, although the specific magnitude of the impacts cannot be reliably quantified at the present time. At present, it must be expected that the war will lead to price increases in purchasing.We currently do not expect any adverse effects on demand in the markets relevant to Sto or any restrictions in the conduct of business activities or the supply of raw materials, bought-in products and energy. The risks and opportunities for 2026 fiscal year are described in detail in the Management report of the Annual Report 2025.
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31/08/2026104 Contact Investor Relations Désirée Konrad, Member of the Executive Board of STO Management SE, Finance Contact via: Tel. +49 7744 57 – 1241 E-mail: e.boersig@sto.com
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Roland Schey, Head of Finance and Accounting 31/08/2026105 Contact Investor Relations Contact via: Tel. +49 7744 57 – 1241 E-mail: e.boersig@sto.com
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106 30.04.2026 Electronic publication of the 2025 annual financial statements 08.05.2026 Earnings Call FY 2025 & Q1 2026 08.05.2026 Consolidated interim report first half of 2026 (1st quarter) 18.06.2026 Ordinary General Meeting 31.08.2026 Report on first half-year of 2026 03.09.2026 Capital Markets Day 19.11.2026 Consolidated interim report second half of 2026 (3rd quarter) 19.11.2026 Earnings Call Q3 2026 Outlook Financial calendar 2026 31/08/2026
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Sto SE & Co. KGaA 31/08/2026 107 Thank you for your interest! Sto SE & Co. KGaA reception building Design: Wilford Schupp Architekten, Stuttgart, DE Orange Blu, Stuttgart, DE