Slides
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Disclaimer: The presentation was created internally by TEXT S.A. (Company) Data contained in this presentation is valid as of the date of its preparation. Consequently, this presentation will not be subject to changes, updates, or modifications to account for events that might occur after this date. Data presented in this presentation was prepared by the Company with particular care, hoverer it may contain ambiguities. Under no circumstances should this presentation be treated as a purchase recommendation, an invitation to subscribe to, or an offer to recommend the purchase or subscription to any securities issued by TEXT S.A. The Company is not responsible for the outcome of any decision or action taken based on this Presentation. The Company does not provide financial guidance or financial forecasts; however, the presentation may contain forward-looking statements that reflect the Company's current assessment. These forward-looking statements reflect the Company’s views at the time such statements were made with respect to future events and are not a guarantee of future performance or developments. Reliance on any forward-looking statements involves known and unknown risks and uncertainties. This presentation is not to be circulated in territories and states where public circulation and sharing of information contained herein may be subject to legal restrictions. Parties accessing this presentation are advised to familiarize themselves with any such restrictions beforehand.
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Financial results
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- MRR fell by 1.1% q/q to USD 6.98 mn at the end of December 2025 - Payments received decreased by 1.6% q/q to USD 21.89 mn (+2.1% y/y) - API usage exceeded 100 thous. USD in a quarter (these revenues are on top of MRR) - Share of customers with ARPL =>500 USD over 51% of the MRR HIGHLIGHTS KPIs 3 Financials Q1-Q3 2025/26 - Revenue in USD: 66.2 million USD (+1.0% y/y) - Revenue in PLN: 249.2 million PLN (-6.0% y/y) - Net profit: 88.1 million PLN (-31.0% y/y) - Operating profit: 96.2 million PLN (-29.6% y/y) - EBITDA: 115.7 million PLN (-25.0% y/y)
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MRR OF ALL PRODUCTS (M USD) Monthly Recurring Revenues at the end of a given month 4
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PAYMENTS RECEIVED (M USD) As reported in reports on preliminary results The presented data are the estimates and preliminary as published in the respective reports. Therefore, they may ultimately differ from those shown in the periodic financial reports. Because the Company generates the vast majority of revenues in the US dollar (USD), the USD / PLN exchange rate has a significant impact on the results presented in the periodic reports in Polish zloty. 5
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Customers with MRR =>500 USD responsible for over 51% of MRR at the end of December 2025, up from 43% a year earlier, showing potential in expanding existing customers and targeting bigger customers. GROWING SHARE OF CUSTOMERS WITH MRR => 500 USD MRR from customers with MRR below or above USD 500 6 MRR, USD million
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Multiproduct customers are responsible for 37.2% of MRR a the end of December 2025, which is a 10 percentage points increase within a year. Shows our journey from one-product company to multi-product company with an aim to offer a product suite in the future. INCREASING SHARE OF MRR FROM CUSTOMERS WITH MULTIPLE PRODUCTS 7 % share of MRR
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FINANCIAL RESULTS (PLN MN) -29.6% -6.0% -32.0% The USD/PLN exchange rate had a negative impact on revenue levels - in Q1-Q3 2025/26 in US dollars it amounted to 66.2 million USD versus 65.6 million USD a year ago, which means an increase of 1.0%. Profitability is impacted by the increased costs aimed at increasing product quality and laying the ground for the growth in the future.
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FINANCIAL RESULTS (PLN MN) -29.6% -8.2% -31.6% Revenue generated in Q3 2025/26 in USD amounted to 22.0 million versus 21.9 million USD a year ago and on top of that the average USD/PLN exchange rate used was 8.3% weaker for this period. EBIT and net profit impacted by higher infrastructure and team costs yoy.
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FINANCIAL RESULTS - EBITDA (PLN MN) -24.0% EBITDA for Q3 2025/2026 alone amounted to PLN 37.4 mln implying EBITDA margin at 45.8%
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FUTURE REVENUES (IN PLN M) 11 The annual subscriptions and longer contracts are spread evenly over the time the service is provided, creating the revenues of the future revenues. Presented as liabilities from customer contracts at the end of Q3 2025/26 they amounted to PLN 66.1 million.
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In February, the Company paid out the interim dividend in the amount of PLN 1.15 per share, which meant paying out PLN 113.3 million in form of a dividend. It is consistent with the current dividend policy. CASH POSITION (PLN MN) 12 cash 31.12.2025
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REVENUE PER PRODUCT Revenues per product (PLN mn) Q1-Q3 2024/25 Q1-Q3 2025/26 Change Q3 2024/25 Q3 2025/26 Change 236 636 209 595 -11.4% 19 478 21 053 +8.1% 7 988 17 437 +118.3% 79 063 67 966 -14.0% 3 030 6 091 +101.0% 6 439 7 138 +10.9% * *Including: Marketplace 13 In Q1-Q3 2025/26, LiveChat accounted for 84.1% of all Group revenues (vs 89.3% during previous year), and Q3 alone its share was 83.3%.
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REVENUE SPLIT BY PRODUCTS 14 8.8% 7.5% *LiveChat revenues includes marketplace. 83.3% Q3 2025/26 revenue split 0.4%
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MOST IMPORTANT DEVELOPMENTS Dividend SOC-2 Product Finances 15 - Advance payment of dividend in the amount of 1.15 PLN per share paid out in February - Type I SOC-2 certification achieved at the end of the calendar year, observation prior Type II certification started in January. - in January the company became a Meta Business Partner - in February, the Text App, LiveChat, ChatBot, and HelpDesk products were introduced to the Microsoft marketplace. - the Company fully repaid the 10 mln credit loan and also received a refund of overpayments from the tax office in the amount of PLN 29.5 million. Further refunds of PLN 19 million are awaited by the end of March.
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overview
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Global SaaS business Ca 35% of MRR generated in the US, less than 2% in Poland B2B subscription revenue model Growth story +494% EPS growth in 8 years Unique customer acquisition model Allowing high, sustainable margins. Co-founders Consortium led by co-founders is company’s leading shareholder Dividend company With a track record of sharing profit with shareholders. 17 KEY FACTS
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VISION AND MISSION 18 We help brands provide better customer service at scale by analyzing enriching, and automating text communication. for better customer service
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We help our customers to: ● Monetize their business online by providing tools to convert website visitors into paying customers. ● Automate their communication through features like chatbots and canned responses, saving time and resources. ● Improve the quality of their customer service by offering instant support and personalized interactions. Conclusion: Our solutions empower businesses to enhance customer engagement, streamline operations, and drive revenue growth. 19
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20 MONETIZING
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21 MONETIZING
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22 MONETIZING
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23 IMPROVING CUSTOMER EXPERIENCE AND CSAT
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24 IMPROVING CUSTOMER EXPERIENCE AND CSAT
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25 AUTOMATION
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26 AUTOMATION AND CSAT
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27 AND WE DOING THAT AT SCALE
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REVENUES BY GEOGRAPHIES 28 English-speaking countries continue to generate roughly 50% of the revenues. Poland with 1.5% share in revenues is in TOP15 countries.
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SHAREHOLDERS - COMPANY STILL LED BY FOUNDERS* * According to the shareholders’ notifications received by the Company, public data from the Polish pension funds’ reports 14
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Disclaimer: The presentation was created internally by TEXT S.A. (Company) Data contained in this presentation is valid as of the date of its preparation. Consequently, this presentation will not be subject to changes, updates, or modifications to account for events that might occur after this date. Data presented in this presentation was prepared by the Company with particular care, hoverer it may contain ambiguities. Under no circumstances should this presentation be treated as a purchase recommendation, an invitation to subscribe to, or an offer to recommend the purchase or subscription to any securities issued by TEXT S.A. The Company is not responsible for the outcome of any decision or action taken based on this Presentation. The Company does not provide financial guidance or financial forecasts; however, the presentation may contain forward-looking statements that reflect the Company's current assessment. These forward-looking statements reflect the Company’s views at the time such statements were made with respect to future events and are not a guarantee of future performance or developments. Reliance on any forward-looking statements involves known and unknown risks and uncertainties. This presentation is not to be circulated in territories and states where public circulation and sharing of information contained herein may be subject to legal restrictions. Parties accessing this presentation are advised to familiarize themselves with any such restrictions beforehand.