Slides
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Building trust in the everyday. Enento Group Plc Interim report 1.1.2026-30.9.2026 Teppo Paavola, CEO Elina Stråhlman, CFO 29 October 2026
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Building trust in the everyday. 2 Consumer credit growing in both Finland and Sweden Adjusted EBITDA improved significantly AI Connectors being piloted across the business Recruitment of Chief Technology Officer started Attractive capital allocation through strong cash position Highlights Q3 2026
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Building trust in the everyday. 3 Key figures Q3 2026 *Change at comparable foreign exchange rates Net sales 38,8 MEUR +3,4%* Adjusted EBITDA 15,1 MEUR +11,0%* Adjusted EBITDA margin 38,8 % +2,7 pp-%* Free cash flow 11,4 MEUR +60,0% Cash conversion 75,9 % +20,6 pp-%
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Building trust in the everyday. 4 AI needs trusted data and around 60% of our revenue is built on unique data and services Group, last 12 months ~60% of revenue from unique data and services By country Share of Group unique-data revenue By product Share of Group unique-data revenue Sweden Finland Norway & Denmark Analytics, monitoring and decisioning Data and reports
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Building trust in the everyday. Bringing trusted business data into customers’ AI workflows AI Connector Customer value Access Enento’s trusted business information directly via AI assistants in e.g. Microsoft Copilot, Claude and ChatGPT, reducing manual searches and enabling faster and better-informed decisions. Strategic relevance A new way to make trusted business data available directly within customers’ AI-powered workflow Next steps 1. Broaden beta access 2. Validate and refine 3. Commercial launch in Q4 2026 Company information and search Risk information Group structure Financial statements and ratios Connects AI assistants to approved capabilities
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Building trust in the everyday. Business segments update 6
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Building trust in the everyday. Net sales 18,7 MEUR 7 Finland: Good growth and strong profitability Highlights Q3 2026 → Finland’s underlying growth was 6,4% excluding Emaileri’s effect on comparison figures → The Adjusted EBITDA margin was 46,5% (43,9%) and increased by 2,6 percentage points → Consumer credit information volumes growing through unsecured lending and market penetration growth → Business information continues to grow despite weak real estate market → Macroeconomic situation encouraging but still uncertain and volatile → Several sales roles opened in hunter team to accelerate new logo and strategic cross-sell pipeline → AI Connector beta version in testing by customers +5,3% Adjusted EBITDA 8,7MEUR+11,6%
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Building trust in the everyday. Net sales 17,3 MEUR 8 Sweden: Moderate growth but profitability improved Highlights Q3 2026 → Strong performance continued in consumer information, supported by higher consumer credit volumes both within unsecured lending and housing transactions → Business information affected by SME transformation pressuring Premium new sales. We continue to monitor the situation and actions to drive sales towards recurring products • Net earnings effect in SME transformation is still positive despite weaker Premium revenue (lower sales commissions offset the effect) → First deals signed with Buy Now Pay Later customers related to CCD2 opportunity → First customers live on new UC credit API supporting transition to modern APIs → AI Connector beta version in testing by customers Change at comparable FX rates +2,4% Adjusted EBITDA 6,3 MEUR Change at comparable FX rates +5,4%
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Building trust in the everyday. Net sales 2,9 MEUR 9 Norway and Denmark: Sales development two- fold, strong profitability improvement Highlights Q3 2026 → Visibility and data-driven premium services for SMEs growing double digits in Norway in both online and offline channels → Display advertising sales continued to affected by temporary resourcing constraints. Resourcing has been strengthened, which is expected to support the segment’s development going forward → Adjusted EBITDA improvement was mainly driven by improved sales efficiency Change at comparable FX rates +0,2% Adjusted EBITDA 0,9 MEUR Change at comparable FX rates +24,5% SINCE 2006 (NORWAY) SINCE 2011 (DENMARK)
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Building trust in the everyday. 10 CFO highlights
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Building trust in the everyday. Net sales by segment Finland Sweden Norway & Denmark 11 Q3/25 Q4/25 Q1/26 Q2/26 Q3/26 18,1 18,6 18,9 Q3/25 Q4/25 Q1/26 Q2/26 Q3/26 Q3/25 Q4/25 Q1/26 Q2/26 Q3/26 17,8 Net sales, quarter (M€) 16,9 18,1 18,1 18,1 2,7 2,8 2,9 2,9 Business information Consumer information 18,7 17,3 2,9 +5,3% % change, comparable FX rates +2,4% +0,2%
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Building trust in the everyday. Adjusted EBITDA improved significantly → Adjusted EBITDA improved by 11,0% at comparable and by 11,4% at reported exchange rates → Adjusted EBITDA margin was 38,8% and increased by 2,7 pp at comparable and by 2,6 pp by reported exchange rates → Profitability improved through scalable growth and operating efficiencies → Materials and services decreased supported by savings → Personnel expenses were flat as higher incentives offset FTE savings → Other operating expenses declined, mainly on lower commissions following the Swedish SME transformation and lower SME sales. IT maintenance and mandatory upgrades partly offset the savings → Maintenance and mandatory upgrades reduced the share of development costs capitalized Comments 12 15,1 Production for own use Adj. EBITDA Q3 2026 Adj. EBITDA Q3 2025 1,3 0,0 Other operating income 0,1 Materials and services 0,0 Personnel expenses Other operating expenses 0,2 -0,1 Net sales 0,1 13,5 FX impact 36,2% 38,8%
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Building trust in the everyday. Strong free cash flow and cash conversion 13 → Free cash flow increased by EUR 4,3 million to EUR 11,4 million from Q3/2025 → Free cash flow improvement was driven by strong operating performance and changes in working capital, partly offset by higher cash outflows related to items affecting comparability and higher income taxes paid → Cash conversion strengthened significantly to 75,9% (55,3%) as free cash flow growth clearly outpaced EBITDA growth → Excluding the impact from items affecting comparability, adjusted free cash flow increased to EUR 15,2 million (EUR 8,7 million) corresponding to an adjusted cash conversion of 100,8% (64,4%) Comments Note: Free cash flow defined as Cash flow from operating activities + Paid interest and other financing expenses - Received interest and other financial income - Acquisition of tangible assets and intangible assets 53.6% 41.5% 61.9% 66.2% 83.5% 42.7% 50.4% 80.0% 66.3% 46.2% 88.8% 65.2% Free cash flow, LTM (M€) Free cash flow, Quarter (M€) Cash conversion, Quarter (%) 67.2% 66.4% 55.3% 112.8% Q1 2022 33.4 Q2 2022 33.5 Q3 2022 33.9 Q4 2022 36.9 Q1 2023 36.4 Q2 2023 33.5 Q3 2023 32.0 Q4 2023 28.7 Q1 2024 28.9 Q2 2024 32.5 Q3 2024 30.7 Q4 2024 30.9 Q1 2025 31.4 Q2 2025 27.9 Q3 2025 34.1 Q4 2025 38.2 Q1 2026 40.3 Q2 2026 44.5 Q3 2026 7.1 6.4 10.0 10.5 10.1 31.3 7.1 8.9 6.9 6.1 10.7 7.1 5.9 6.6 7.2 13.3 11.1 8.7 11.4 7.0 90.0% 133.4% 75.9%
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Building trust in the everyday. 14 Key indicators → Cash position at EUR 24,5 million end of Q3 2026 (committed EUR 30 million facility fully unutilized) → Net debt / adjusted EBITDA at 2,3x → Gross investments were EUR 1,3 million (EUR 1,5 million) → Adjusted EPS increased to EUR 0,36 per share (EUR 0,30) → Share of new services from net sales 9,2% (6,3%), remaining close to target range of 10% CommentsEUR million (unless stated otherwise) Q3 2026 Q3 2025 YTD 2026 YTD 2025 FY 2025 Adjusted EPS, EUR 0,36 0,30 1,01 0,84 1,14 Net debt 128,5 143,2 128,5 143,2 143,3 Net debt / Adjusted EBITDA 2,3 2,8 2,3 2,8 2,7 Gearing, % 50,1 53,4 50,1 53,4 54,3 Equity ratio, % 57,8 59,4 57,8 59,4 58,1 Free cash flow 11,4 7,2 31,3 20,7 34,1 Cash conversion, % 75,9 55,3 92,1 62,3 75,6 Gross investments 1,3 1,5 4,3 5,0 6,7 Share of new services from net sales, % 9,2 6,3 9,1 8,9 8,1
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Building trust in the everyday. 15 Looking ahead
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Building trust in the everyday. 16 Attractive capital allocation continues Dividend → The Board of Directors resolved on 29 October 2026 to pay the second instalment of dividend payment EUR 0,50 per share → The second instalment will be paid on 9 November 2026 and the record date will be 2 November 2026 → T otal dividend for 2026 EUR 1,00 per share → Strong free cash flow supports our dividend distribution Purchase of own shares → The Board of Directors resolved on 29 October 2026 to start a program for purchasing own shares with maximum 2 MEUR → Maximum total number of shares purchased is 120 000 representing approximately 0,50 % of total shares → The program lasts for the time period 30 October 2026 – 12 February 2027 → The shares will be used to optimize Enento’scapital structure through reduction of capital and to prepare for long-term incentive program payments
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Building trust in the everyday. 17 Future outlook and guidance 2026 unchanged (from 17 July 2026) Outlook Macroeconomic and geopolitical uncertainties remain. Regulatory changes in the Swedish lending market continue to influence the operating environment, however, the impact on Enento is expected to be modest. In Finland, the macroeconomic outlook is more subdued but demand for Enento’sservices is anticipated to remain stable. Supported by stabilizing market activity and improving conditions in Sweden, we expect Enento’snet sales to grow in 2026 at comparable exchange rates. Enento is focused on improving Adjusted EBITDA and strengthening free cash flow through disciplined cost control, while simultaneously investing in future competitiveness and growth opportunities. Guidance Enento Group expects that in 2026, with comparable exchange rates, its net sales will grow by 0-5% and Adjusted EBITDA will increase compared to 2025, with Adjusted EBITDA growth exceeding net sales growth at comparable exchange rates.
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Building trust in the everyday. 18 Thank you Time for Q&A
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Building trust in the everyday. 19 Financials Q3 2026 Summary
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Building trust in the everyday. 20 Overview EUR million (unless stated otherwise) Q3 2026 Q3 2025 YTD 2026 YTD 2025 FY 2025 Net Sales 38,8 37,3 118,3 113,6 152,7 Change (year-on-year, comparable FX) 3,4% -0,1% 2,9% -0,3% 0,0% Adjusted EBITDA 15,1 13,5 43,1 39,0 52,4 Change (year-on-year, comparable FX) 11,0% -3,3% 9,6% -4,4% -0,5% Adjusted EBITDA margin 38,8% 36,2% 36,5% 34,3% 34,3% Adjusted EBIT 12,1 10,7 34,3 30,4 41,0 Adjusted EBIT margin 31,2% 28,7% 29,0% 26,7% 26,9% New services (% of net sales) 9,2% 6,3% 9,1% 8,9% 8,1% EBITDA 15,1 12,9 34,0 33,3 45,1 EBIT 10,2 8,2 19,6 18,3 25,4
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Building trust in the everyday. 21 Income statement EUR million Q3 2026 Q3 2025 YTD 2026 YTD 2025 FY 2025 Net sales 38,8 37,3 118,3 113,6 152,7 Other operating income 0,0 0,0 0,0 0,1 0,1 Materials and services -7,2 -7,3 -21,3 -21,6 -28,5 Personnel expenses -8,3 -8,3 -32,0 -28,4 -39,4 Work performed by the entity and capitalised 0,5 0,6 1,7 1,6 2,4 Other operating expenses -8,7 -9,4 -32,7 -32,0 -42,1 Depreciation and amortisation -4,9 -4,8 -14,4 -14,9 -19,7 Operating profit 10,2 8,2 19,6 18,3 25,4 Share of results of associated companies - 0,0 - -0,2 -0,2 Impairment of associated companies - - - - -1,0 Finance income and expenses -1,3 -1,7 -4,1 -5,2 -6,7 Profit before income tax 8,9 6,4 15,5 12,9 17,5 Income tax expense -1,9 -1,3 -4,1 -2,6 -3,9 Profit for the period 7,0 5,1 11,4 10,3 13,6 Earnings per share attributable to the owners of the parent during the period: Basic earnings per share (EUR) 0,29 0,22 0,48 0,43 0,57 Diluted earnings per share (EUR) 0,29 0,22 0,48 0,43 0,57
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Building trust in the everyday. 22 Cash flow EUR million Q3 2026 Q3 2025 YTD 2026 YTD 2025 FY 2025 Cash flows from operating activities Cash flows before change in working capital 13,4 12,7 39,3 32,1 45,3 Change in working capital 0,5 -3,5 -0,1 -1,3 1,4 Net interests and other financing items -2,6 -3,0 -5,2 -6,5 -6,4 Income taxes paid -1,2 -0,5 -3,8 -4,7 -5,4 Net cash from operating activities 10,1 5,8 30,3 19,7 34,8 Cash flows from investing activities Net cash used in investing activities -3,2 -1,6 -6,0 -5,4 -7,2 Cash flows from financing activities Net cash used in financing activities 0,4 -0,6 -12,6 -13,7 -26,2 Cash and cash equivalents at beginning of the period 17,5 8,8 13,2 11,3 11,3 Cash and cash equivalents at end of the period 24,5 12,4 24,5 12,4 13,2
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Building trust in the everyday. 23 Net sales by quarter Net sales, EUR million 40,7 43,4 40,5 42,9 40,0 39,7 37,3 38,9 37,3 38,5 36,8 37,8 37,7 38,6 37,3 39,1 39,6 39,9 38,8 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q2/24 Q3/24 Q4/24 Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Q3/26
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Building trust in the everyday. 24 Net sales growth by quarter Net sales growth at reported FX, year-on-year, % Net sales growth at comparable FX, year-on-year, % 2,6 3,1 4,9 -0,4 -1,7 -8,6 -7,8 -9,3 -6,8 -3,0 -1,3 -2,9 1,1 0,5 1,3 3,3 5,1 3,3 4,04,4 4,8 7,1 4,1 2,3 -3,5 -2,2 -6,5 -6,3 -2,9 -2,4 -2,6 1,0 -1,7 -0,1 0,9 2,6 2,6 3,4 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q2/24 Q3/24 Q4/24 Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Q3/26
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Building trust in the everyday. 25 Virva Vesanen Head of Investor Relations, Strategy & Comms +358 40 828 6285 virva.vesanen@enento.com Enento Group Plc