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Building brands. Growing relationships. Strengthening businesses. 8 September 2026 Half Year Results 2026
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2The Pebble Group HY 26 Chris Lee CEO Claire Thomson CFO 2 Industry overview and Group positioning 3 Investment highlights 5 HY 26 Financials 6 Facilisgroup 13 Brand Addition 21 ESG 28 Outlook 31 Appendix 32 Welcome Contents AGENDA
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3The Pebble Group HY 26 Why are promotional products used? INTRODUCTION Businesses across sectors and geographies use branded products to express their identity, values and messages. When strategically applied, these tangible touchpoints help build culture, strengthen brand awareness and foster meaningful connections with clients, employees and partners. Branded merchandise creates a lasting emotional association through everyday use. As AI intensifies digital noise, organisations are increasingly investing in personalised, physical experiences to stand out and be remembered.
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4The Pebble Group HY 26 INTRODUCTION Market opportunity GLOBAL INDUSTRY c.$50bn Businesses of all sizes, sectors and geographies use products branded with their name or key message The fragmented North American market is c.$25bn of this total 360° Platform and Partnership: Distributors in the c.$25bn North American promotional products market Branded merchandise agency: Large corporates, head quartered in Europe and North America Providing industry leading technology, products and services to the global promotional products market VISIBILITY OF SALES OF PROMOTIONAL PRODUCTS $1.7bn GROSS MERCHANDISE VALUE THROUGH OUR TECHNOLOGY $1.6bn SALES OF PROMOTIONAL PRODUCTS $0.1bn Market share $1.6bn out of c.$25.0bn TAM Market share c.70 out of c.870 target companies $0.1bn out of estimated TAM of +$4bn 6% 8%
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5The Pebble Group HY 26 Investment case INTRODUCTION Client/Partner focussed A compelling proposition of innovation and engagement with clients and Partners at its centre Market leading Differentiated businesses leading through commitment to long - term partnerships Significant opportunity to scale Established international scale in a large and fragmented market provides opportunity to grow Creating value Highly cash - generative, funding our growth ambitions and returning value to stakeholders
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6The Pebble Group HY 26 Growing momentum from our recent investment decisions HY 26 RESULTS HIGHLIGHTS • Revenue in USD was 7% ahead of the prior year • Look forward ARR from technology subscription fee revenues has grown by 12% • New agreements with Partners, implemented on 1 July 2026, increased technology subscription fee committed recurring revenues to circa two years • Revenue was 4% ahead of the prior year • New contract wins to date in 2026 have been positive and the high client retention levels continue • Gross margin strength and disciplined cost management is supporting the Group’s profitability and excellent cash flows Revenue and Adjusted EBITDA growth across both Facilisgroup and Brand Addition Balance sheet remains strong funding the Group’s growth strategy whilst continuing to deliver significant capital returns, being YTD 2026 £10.0m (FY 25: £11.7m) Partner retention $ ARR wins Partner NPS score Top 30 client retention HY 26 new client wins Client NPS score 98% YTD 25: 97% +50% vs YTD 25 58 YTD 25: 48 94% HY 25: 100% 4 HY 25: 7 60 HY 25: 52
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7The Pebble Group HY 26 1 Adjusted EBITDA is defined as operating profit adjusted to add back depreciation, amortisation and share - based payment charge/credit Revenue growth, strong profit margins, significant capital returns HY 26, KPIs £58.6m £60.7m HY 25 HY 26 +3.6% £60.7m Revenue HY 25 HY 26 £7.9m +£2.7m £5.2m £7.9m ⬤ Dividend ⬤ Share Buyback 2 Capital returns is the aggregate value of cash distributions made to shareholders in the year, comprising dividends, share buybacks and tender offer transactions, excluding transaction costs. Capital returns2 45.1% 44.6% HY 25 HY 26 44.6% Gross margin % -0.5ppt £6.6m Adjusted EBITDA1 £6.2m £6.6m HY 25 HY 26 +6.5%
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8The Pebble Group HY 26 BA Revenue £51.8m FG Revenue £8.9m FG People and overheads £5.1m Revenue £60.7m BA Cost of sales £33.6m Gross profit £27.1m FG EBITDA £3.8m BA People and overheads £14.0m BA EBITDA £4.2m Adj EBITDA (pre-HO costs) £8.0m Diversified earnings, complementary strengths Commentary Brand Addition dominates Group revenues through its products and services model Excellent returns at Facilisgroup through its subscription model result in Group profits being split equally by its businesses
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9The Pebble Group HY 26 Revenue Revenue +4% as investment to accelerate revenue growth at Facilisgroup translates to invoiced sales and 2025 new business wins at Brand Addition gain momentum Gross Profit Stable margins as PY increases at Brand Addition are maintained 35.1% (HY 25: 35.6%). FY expectation in line with guidance People and Overheads Planned investment in sales and marketing at Facilisgroup alongside disciplined cost management to support profitability Adjusted EBITDA Increase as investment to accelerate growth begins to deliver results Depreciation and amortisation Prior years high R&D now being amortised Share-based payments 2025 and 2026 awards issued under the LTIP HY 26 INCOME STATEMENT £’m HY 26 HY 25 FY 25 Revenue 60.7 58.6 124.7 Gross profit 27.1 26.4 56.9 People & overhead (19.1) (18.8) (38.2) Adjusted EBITDA pre-Head Office 8.0 7.6 18.7 Head office costs (1.4) (1.4) (2.9) Adjusted EBITDA 6.6 6.2 15.8 Depreciation and amortisation (4.2) (3.7) (8.1) Share-based payments (charge)/credit (1.0) 0.3 (0.3) Operating profit 1.4 2.8 7.4 Gross profit % 44.6% 45.1% 45.6% Adjusted EBITDA % 10.9% 10.6% 12.7% Operating profit % 2.3% 4.8% 5.9% Revenue +4% as investment translates into growth
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10The Pebble Group HY 26 Non-current assets Goodwill and intangibles: £42.3m, Software: £16.2m, PPE: £4.8m Inventories Brand Addition, inventory for short turn around orders underwritten in client contracts Trade & other receivables Brand Addition, blue-chip backed receivables Cash & cash equivalents Balance after £7.9m of capital returns to shareholders Supporting organic growth and capital returns HY 26 BALANCE SHEET £7.9m returned to shareholders in HY 26 £’m HY 26 HY 25 FY 25 Non-current assets 63.3 65.8 64.2 Inventories 14.8 16.3 11.1 Trade & other receivables 34.4 34.2 32.8 Current tax asset 0.7 0.3 0.8 Cash & cash equivalents 3.9 6.0 9.6 Current assets 53.8 56.8 54.3 Total assets 117.1 122.6 118.5 Lease liability 2.7 4.1 3.5 Deferred tax liability 2.3 1.8 2.6 Non-current liabilities 5.0 5.9 6.1 Borrowings 5.1 - - Lease liability 1.8 1.7 1.7 Trade and other payables 28.4 29.9 28.5 Current tax liability - 0.4 - Current liabilities 35.3 32.0 30.2 Total liabilities 40.3 37.9 36.3 Net assets 76.8 84.7 82.2
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11The Pebble Group HY 26 Movement in working capital Predominately Brand Addition, movement in line with usual cycle Capital expenditure YTD in line with expectation Dividend 2.00pps (2025: 1.85pps) Purchase of own shares £4.9m Share Buyback Programme £0.3m EBT Cash conversion and working capital cycle expected to be in line with previous years HY 26 CASH FLOW £’m HY 26 HY 25 FY 25 Adjusted EBITDA 6.6 6.2 15.8 Movement in working capital (5.2) (7.2) (1.7) Capital expenditure (2.7) (2.3) (4.9) Leases (1.0) (0.8) (1.7) Operating cash flow (2.3) (4.1) 7.5 Taxes paid (0.3) (0.6) (0.8) Net finance cash flows (0.2) (0.2) (0.4) Dividend paid (3.0) (3.0) (3.0) Purchase of own shares (5.2) (2.2) (9.6) Proceeds from borrowings 5.1 - - Exchange (loss)/gain 0.1 (0.4) (0.6) Net cash flow (5.8) (10.5) (6.9)
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12The Pebble Group HY 26 0 2 4 6 8 10 24 25 26 3. Capital returns YTD 1. Accelerating organic growth Investing in profitable growth at Facilisgroup, measured by a healthy incremental Lifetime Value (LTV) to Partner (Customer) Acquisition Cost (CAC) ratio (FY 25: 7:1) ONGOING: Increasing confidence in the investment for profitable growth. Balance sheet strength. Shareholder returns 2. Dividend pence per share £3.0m paid in HY 26 (HY 25: £3.0m) Cash generation funding growth and capital returns PRINCIPLES OF CASH UTILISATION CAPITAL ALLOCATION PRIORITIES 4. Other opportunities Cash-generative characteristics provide the option to explore additional capital allocation opportunities including the potential for expansion through acquisition Significant returns to shareholders in FY 25 and YTD 2026 In addition to the £3.0m dividend, a further £7.0m has been returned to shareholders YTD in 2026 0 2 4 6 8 10 24 25 26 Returns to shareholders See pages 16 - 19 Returns to shareholders Tender Offer, Aug 2025 Share Buyback, HY 26 +8% £10.0m Share Buyback, July 2026 £2.0m £3.0m £3.0m
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13 13 Visit facilisgroup.com to learn more HALF YEAR RESULTS 2026 Matthew Cromar Chief Product Officer, Facilisgroup
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14The Pebble Group HY 26 OUR BUSINESS: ✓ 360° Promo Platform ✓ Market Network ✓ Powerful Community OUR APPROACH: The partnership to grow The power to process The processes to scale Facilisgroup merges comprehensive software with proven playbooks and supplier buying power, helping promotional product distributors scale beyond typical growth plateaus 14 INTRODUCTION: FACILISGROUP The only 360° Promo Platform & Partnership
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15The Pebble Group HY 26 98% USD’m 43% # USD’m USD’m Underlying retention rate EBITDA margin HY 26 Revenue Adjusted EBITDA Retention and margins USD’m Partners GMV Preferred Spend 9.6 11.3 11.3 11.2 11.9 10.8 10.9 11.2 11.4 FY 22 FY 23 FY 24 FY 25 HY 26 4.6 5.3 5.4 4.9 5.1 6.4 5.7 5.8 4.7 FY 22 FY 23 FY 24 FY 25 HY 26 225 242 239 253 258 2022 2023 2024 2025 YTD 26 630 688 724 753 816 767 731 784 827 FY 22 FY 23 FY 24 FY 25 HY 26 206 227 240 242 256 254 244 271 267 FY 22 FY 23 FY 24 FY 25 HY 26 Key financial and operational metrics RESULTS SUMMARY
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16The Pebble Group HY 26 Strong LTV and CAC is leading our decision on investment in revenue growth Healthy LTV / CAC components PURSUING ORGANIC GROWTH AT FACILISGROUP Lifetime Value (LTV) High LTV created from: Invested in Partner (customer) Acquisition Cost (CAC) LTV + 2-sided income model Partner tech fee : Supplier GPO + Existing Partner growth Distributors grow with Facilisgroup + High retention rates 98% underlying, 96% total + Attracting larger new Partners Widening the offering: Integrations, Data assets, New modules + Strong profit margins 40%+ EBITDA, 20%+ Cash profit • We are investing in profitable growth, measured by a healthy LTV to CAC ratio, to maximize the business’s long-term cash flow • As evidence builds, further investment will be made based on this metric
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17The Pebble Group HY 26 Investing behind a high return growth opportunity PURSUING ORGANIC GROWTH AT FACILISGROUP Lifetime Value (LTV) and Partner (customer) acquisition cost (CAC) Incremental investment in CAC Attractive returns give us confidence to invest behind recurring revenue growth $7.0m Incremental lifetime value $1.0m Incremental Partner acquisition cost Baseline FY 24 $1.0m FY 25 ~$3.0m FY 26 est. Investment is being stepped up to accelerate recurring revenues FY 25
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18The Pebble Group HY 26 Increased investment is translating into recurring revenue growth 1 July 2026, +12% increase in look forward ARR is being delivered through three complementary growth drivers 1 Existing Partner growth Partners are increasing activity and growing with Facilisgroup 2 Attracting larger new Partners Investment in our technology and team is expanding the Partner network 03 New pricing structure New pricing structure captures more of the value being delivered to Partners +12% Look forward ARR at 1 July 2026 A broad, resilient base of recurring revenue Investment is now converting into measurable, diversified recurring revenue growth 3 QUALITY OF EARNINGS IMPROVEMENT IN 2026
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19The Pebble Group HY 26 A structural change in committed revenue visibility QUALITY OF EARNINGS IMPROVEMENT IN 2026 Committed technology subscription revenues extend almost two years Previous position 4 months At 1 July 2026 22 months Improved pricing and greater visibility through multi-year contracted revenue IN PARTNERSHIP 69% of Partners selected contracts of >18 months New price structure implemented from 1 July 2026, supported by Partners Multi-year contract options offering flexibility to suit individual Partners needs Greater predictability stronger forward cover for Partners and Facilisgroup
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20The Pebble Group HY 26 STRATEGIES Focus in 2026, accelerating momentum 1. 2. 3. Engagement: Engage our community through valuing long - term partnerships and embracing continued development and motivation in a positive, results driven culture Technology: Continue to demonstrate the leadership position through differentiated data and integration offerings that create stickiness giving distributors and suppliers a competitive advantage Revenue growth: Maintain high retention levels and attract a growing number of quality Partners to our unique offering of technology, best practice processes, Market Network and Community PROGRESS YTD • Underlying retention rate 98% • NPS score 58 • Committed revenue 22 months PROGRESS YTD • Product offering strengthened • Critical system integrations • Unique data assets PROGRESS YTD • +7% invoiced revenues HY 26 • +12% look forward ARR • 69% >18 month contracts
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21 21 HALF YEAR RESULTS 2026 Visit brandaddition.com to learn more Helen Brothers Director of Consumer Sales, Brand Addition
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22The Pebble Group HY 26 OUR BUSINESS: ✓ X OUR SERVICES INTRODUCTION: BRAND ADDITION Brand Addition is an end - to - end branded merchandise provider that enables companies of scale to build meaningful connections with their customers, employees and communities OUR MODEL: Global Infrastructure • Creative Services • Sustainable Sourcing & Compliance • Quality Control • Multinational distribution and supply chain expertise • Technology Solutions • Client comms Greatest companies to work for PPAI 2025 Ecovadis Gold Top 5% of businesses Top 30 client retention Entering 202697% ACHIEVEMENTS #16 PPAI industry leaders Distributer company Long-term partnership approach
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23The Pebble Group HY 26 16% 41% 23% 20% UK Europe US RoW 8% 10% 13% 19%20% 28% 2% Engineering Financial Services Beauty FMCG Technology Transport Other 30.7 34.1 35.2 37.0 35.1 FY 22 FY 23 FY 24 FY 25 HY 26 23 Revenue Gross profit margins Adjusted EBITDA Revenue by client sector Revenue by destination Margins HY 26 £’m % £’m 35.1% Gross margin 8.1% EBITDA margin 53 54 52 50 52 64 52 56 58 FY 22 FY 23 FY 24 FY 25 HY 26 4.4 4.5 4.6 3.8 4.2 7.1 5.0 6.2 7.6 FY 22 FY 23 FY 24 FY 25 HY 26 36% Guidance RESULTS SUMMARY Key financial and operational metrics
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24The Pebble Group HY 26 3.8 4.2 -0.30.6 +0.1 HY 25 HY 26 HY 26 Adjusted EBITDA £’m Client retention, new business wins and cost discipline increase profitability EBITDA BRIDGE, HY 26 1 2 Sales increase +4% 1 2 Strong client retention, robust existing client contribution and momentum in FY 25 new contract wins growing market share. Orders received for FY 26 are +5% on 7 Sept 2026 compared PY Margins consistent with long term guidance 3 3 Top 30 client retention 94% Disciplined cost control enhancing profitability VOLUME GM% OVERHEAD +£1.8m7.6% Return on sales 8.1% Return on sales -0.5%
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25The Pebble Group HY 26 51.9 85.6 33.7 HY 26 Invoiced or received 07-Sep Like for like 2024 New clients FY 26 Expectation from HY 26 to FY 26 Revenue £’m Current sales activity guiding our FY 26 revenue expectation REVENUE BRIDGE, HY 26 to FY 26 Existing clients and increasing spend from the implementation of new clients support a robust end to FY 26 Additional FY 26 orders invoiced or received 1 1 2 2 3 Expectation for revenues in FY 26 to be in line with guidance of £109.6m (FY 25:£107.5m) 3 Sales momentum through excellent retention and new business wins Existing and new Gross margin strength and disciplined cost management is supporting profitability
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26The Pebble Group HY 26 Tariffs and trade uncertainty Supply chain disruption Inflationary pressures Geopolitical instability Proven performance over time Built to perform over the long-term Strong cash generation 82% FY 25 Operating cash flow conversion Profit margin discipline +10% FY 25 Adjusted EBITDA Client satisfaction 60% NPS YTD 2026 Highly repeatable revenues 102% FY 19 top 10 client revenue in FY 25 Strong, consistent financial results including high cash conversion HIGH-QUALITY BUSINESS MODEL
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27The Pebble Group HY 26 1. 2. 3. Retention: Build long - term trust and relationships with clients to provide a sound foundation for sustainable revenue growth New client attraction: Attract new client contracts with major international brands who value great products, which are well - sourced and delivered across multiple geographies Financial discipline: Aim for 5%+ organic revenue growth on circa 35%+ stable profit margins with 10%+ EBITDA margins and an attractive cash conversion STRATEGIES Focus in 2026, accelerating momentum PROGRESS YTD • 4 new contract wins • Strong pipeline activity • Reputation and creativity driving success PROGRESS YTD • Retention rate 94% • NPS score 60 • Major clients extend contracts PROGRESS YTD • Proven to perform through certainty • Consistent profit margins and cash generation
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28The Pebble Group HY 26 28 Visit thepebblegroup.com to learn more HALF YEAR RESULTS 2026 ESG update Kirsten Motyl Senior ESG Officer, The Pebble Group
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29The Pebble Group HY 26 Delivering progress across our four ESG cornerstones Half Year 2026 ESG update Our four ESG Cornerstones Advancing sustainability Empowering our people Responsible leadership Community engagement ESG UPDATE • Positive progress to improve data quality, coverage and accuracy of Scope 3 emissions • New supplier engagement tools driving more transparent reporting and supporting emissions reductions in line with reduction targets • Internal readiness activity ongoing in preparation for future regulations • Ongoing support for local charities through volunteering activities and product donations • Group Gender Pay Gap Report published
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30The Pebble Group HY 26 B Climate change leadership score 76% ESG Score (93rd Percentile) Gold Score: 83 (Top 5%) – Brand Addition B The Pebble Group actively supports 7 of the goals Independent recognition reinforces our ESG 2025 Group ESG report and Brand Addition sustainability report available Our ESG ratings, standards and framework alignment ESG UPDATE
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31The Pebble Group HY 26 FY 26 results expected to be in line with market expectations Focus on strategic opportunities to deliver shareholder value Group Outlook and Strategic Priorities Facilisgroup: Entered H2 26 with materially enhanced recurring revenue visibility and growing momentum Brand Addition: Continues to deliver resilient growth, profitability and cash generation Capital: Total returns to shareholders to date in 2026 of £10.0m (FY 25: £11.7m)
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32The Pebble Group HY 26 HALF YEAR RESULTS 2026 Appendix Facilisgroup segmental analysis and Partner bridge 33 Brand Addition segmental analysis 36 Financial guidance 37
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33The Pebble Group HY 26 Adjusted EBITDA Includes investment in sales and marketing to accelerate new Partner wins Depreciation and amortisation Incremental charge reflects amortisation of prior period increased levels of investment HY 26 Segmental Analysis, home currency USD Recurring Revenue Increase following growth in like - for - like Partner GMV and incremental new Partner wins with ARR ahead of prior years $’m HY 26 HY 25 FY 25 Recurring Revenue 11.3 10.7 21.6 Other Revenue 0.6 0.5 1.0 Total Revenue 11.9 11.2 22.6 People & overhead (6.8) (6.3) (13.0) Adjusted EBITDA 5.1 4.9 9.6 Depreciation and amortisation (3.5) (2.7) (6.1) Share-based payment (charge)/credit (0.7) 0.2 (0.3) Operating profit 0.9 2.4 3.2 £:US$ average rate 1.34 1.30 1.32 Recurring revenue $’m 11.3 10.7 21.6 Recurring revenue $’m growth % 5.6% - - Adjusted EBITDA % 42.9% 43.8% 42.5% Operating profit % 7.6% 21.4% 14.2%
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34The Pebble Group HY 26 HY 26 Segmental Analysis, reporting currency GBP Adjusted EBITDA Includes investment in sales and marketing to accelerate new Partner wins Depreciation and amortisation Incremental charge reflects amortisation of prior period increased levels of investment Recurring Revenue Increase following growth in like - for - like Partner GMV and incremental new Partner wins with ARR ahead of prior years £’mv HY 26 HY 25 FY 25 Recurring Revenue 8.5 8.3 16.4 Other Revenue 0.4 0.3 0.8 Total Revenue 8.9 8.6 17.2 People & overhead (5.1) (4.8) (9.9) Adjusted EBITDA 3.8 3.8 7.3 Depreciation and amortisation (2.6) (2.0) (4.7) Share-based payment (charge)/credit (0.5) 0.1 (0.2) Operating profit 0.7 1.9 2.4 £:US$ average rate 1.34 1.30 1.32 Recurring revenue £’m 8.5 8.3 16.4 Recurring revenue £’m growth % 2.4% (2.4)% (3.0)% Adjusted EBITDA % 42.7% 44.2% 42.4% Operating profit % 7.9% 22.1% 14.0%
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35The Pebble Group HY 26 253 258 +16 -11 YTD 26 Partners bridge # Growth in Partner numbers Larger wins on a high, stable retention rate PARTNER BRIDGE YTD 26 New Partner wins • YTD delivering +50% increase in tech fee ARR compared to YTD 25 • A typical Partner delivers a strong lifetime value Attrition • Partners acquired within FG, 5 (YTD 25: 1) • Exits, credit risk, other, 3 (YTD 25: 6) • New pricing structure, 3 (YTD 25:0) 1 Jan 2026 7 Sept 2026 ARR $ +12% compared to 31 Dec 2025
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36The Pebble Group HY 26 People & overhead Protecting our profitability through prudently managing our cost base HY 26 Segmental Analysis Gross profit % Improvement in gross margin maintained. FY expectation in line with guidance Revenue Growth in revenue as new contract wins from 2025 gain momentum supported by a robust contribution from underlying clients £’m HY 26 HY 25 FY 25 Revenue 51.8 50.0 107.5 Gross profit 18.2 17.8 39.8 People & overhead (14.0) (14.0) (28.4) Adjusted EBITDA 4.2 3.8 11.4 Depreciation and amortisation (1.6) (1.6) (3.4) Share-based payment (charge)/credit (0.2) 0.1 (0.1) Operating profit 2.4 2.3 7.9 Revenue growth % 3.6% (3.7)% (0.2)% Gross profit % 35.1% 35.6% 37.0% Adjusted EBITDA % 8.1% 7.6% 10.6% Operating profit % 4.6% 4.6% 7.3%
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37The Pebble Group HY 26 CURRENCY RATES: There is a translational effect on our USD denominated profits at Facilisgroup and Brand Addition US SHARE BASED PAYMENTS CHARGE: FY 25 charge, £0.3m. FY 26 charge estimate, £2.0m. FY 27 charge estimate, £2.1m CENTRAL COSTS: FY 25 charge, £2.9m. FY 26 estimate, £2.9m. FY 27 estimate, £3.0m CAPITAL EXPENDITURE: (excluding amounts capitalised under IFRS 16) DEPRECIATION AND AMORTISATION: ** Includes acquired intangibles 2024 £2.1.m, 2025: £0.5m, 2026 estimate £0.5m, 2027 estimate £0.5m TAXATION: Guidance rate 2026, 24%. 2027, 25% Actual Actual Actual Est Est £:US$ 2023 2024 2025 2026 2027 Income Statement (average rate) 1.24 1.28 1.32 1.35 1.35 Balance Sheet (year end rate) 1.27 1.25 1.35 1.35 1.35 Actual Actual Est Est £m 2024 2025 2026 2027 Depreciation 2.3 2.1 2.0 2.1 Amortisation** 6.3 6.0 6.3 7.9 Actual Actual Actual Est Est £:€ 2023 2024 2025 2026 2027 Income Statement (average rate) 1.15 1.18 1.17 1.16 1.16 Balance Sheet (year end rate) 1.15 1.21 1.15 1.16 1.16 Actual Actual Est Est £m 2024 2025 2026 2027 Tangible 0.2 0.4 0.7 0.8 Intangible 6.6 4.5 5.5 6.0 FG capital expenditure USDm 6.3 4.4 5.3 5.8 Financial guidance
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38The Pebble Group HY 26 Building brands. Growing relationships. Strengthening businesses.