Slide 1: Enento Group Plc Interim report 1.1.2025-31.3.2025
CEO Jeanette Jäger and CFO Elina Stråhlman 25 April 2025 Enento Group Plc Interim report 1.1.2025-31.3.2025
Slide 2: Highlights Q1 2025
Highlights Q1 2025 No major changes in operating Strong growth especially in the environment despite of global Sales grew by +1,0%*, which was compliance services and we see trade and political uncertainty, driven by the good performance good customer interest towards regulatory pressure persists in
Slide 3: Key figures Q1 2025
Key figures Q1 2025 Net sales 37,7 MEUR Free cash flow** 7,0 MEUR +1,0%* +1,6% Share of new services 11,0 % Cash conversion 67,2 % -3,0 pp-% +0,9 pp-% Adjusted EBITDA 12,4 MEUR Net debt to Adjusted EBITDA 2,7 X +0,2 % / +0,2%* (2,4x) Adjusted EBITDA margin 33,0 % Adjusted EPS 0,24 EUR -0,3 pp-%* -12
Slide 4: Business Area Update
Looking Business Ahead Area Update Enento Group Plc – 25 April 2025
Slide 5: Business Insight
Business Insight Highlights Q1 2025 Continued sales growth in Business Insight driven by Finland, Norway and Denmark • Swedish company ownership data and individual PEP & Sanctions search launched in Sweden • Compliance services demonstrated strong growth, and our unique service development and expa
Slide 6: Compliance is a key strategic growth priority across the Nordics
Compliance is a key strategic growth priority across the Nordics and has a good commercial traction Demand for compliance solutions is increasing, Our offering to help customers driven by regulations and industry demand ➢ Better ways of assessing risks in onboarding, credit ➢ Strong compliance offer
Slide 7: Consumer Insight
Consumer Insight Highlights Q1 2025 Sales in Sweden and Finland pressured due to low volumes in the Consumer Credit • Good growth outside the loan broker segment in Sweden as Information and outlook remains muted, new verticals and housing related credit information services but growth trend improve
Slide 8: Sweden regulatory update: No major changes in consumer behavior yet
Sweden regulatory update: No major changes in the consumer behavior yet, loan brokers have limited their growth activities 1 Regulatory measures approved in Nov-2024 2 Regulatory measures proposed in Jan-2025 • Lower interest rate cap • Pursuant to the initial proposal, only companies with a • Cap o
Slide 9: CFO Highlights
CFO Highlights Enento Group Plc – 25 April 2025
Slide 10: Key figures Q1 2025
Key figures Q1 2025 Q1 2025 Net sales +1,0%* Adjusted EBITDA Adjusted EBITDA % Adjusted EBIT Net debt / Adjusted +0,2%* -0,3 pp-%* +1,1%* EBITDA 37,7 MEUR 12,4 MEUR 33,0 % 9,5 MEUR 2,7 X Q1 2024 Net sales Adjusted EBITDA Adjusted EBITDA % Adjusted EBIT Net debt / Adjusted EBITDA 37,3 MEUR 12,4 MEUR
Slide 11: Revenue by business area
Revenue by business area GROWTH AT COMPARABLE FX RATES +2,9% Comments Q1 / 2024 22,8 Q1 / 2025 Business Insight 22,2 → Good overall growth thanks to Finland, Norway and Denmark -1,8% → Enterprise delivered solid growth thanks to the good demand for business credit and master data services in Finland
Slide 12: Business Insight continued to grow, and Consumer Insight topline more stable
Business Insight continued to grow, and Consumer Insight topline development was more stable year-over-year Business Insight revenue quarterly Consumer Insight revenue quarterly 22.8 22.6 23.0 22.8 22.8 22.4 22.2 21.5 17.6 20.9 16.8 16.5 16.3 15.1 15.4 15.4 15.0 14.8 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q1 Q2
Slide 13: Adjusted EBITDA supported by sales growth and cost savings
Adjusted EBITDA was supported by sales growth and cost savings, while lower production for own use due to the IT infrastructure consolidation continued to pressure the margin Comments 0,0 → Adjusted EBITDA margin was 33,0% and decreased 0,3 pp y-o-y at comparable rates and reported rates 0,0 0,3 → A
Slide 14: Our free cash flow remains on a good level
Our free cash flow remains on a good level Free cash flow, LTM (M€) Free cash flow, Quarter (M€) Comments Cash conversion, Quarter (%) 36.9 36.4 → Q1 2025 free cash flow continued to be on a 33.4 33.5 33.9 33.5 good level at EUR 7,0 million (EUR 6,9 million), 32.0 32.5 31.3 30.7 30.9 including one-o
Slide 15: Key indicators
Key indicators EUR million Q1 / 2025 Q1 / 2024 FY 2024 (unless stated otherwise) Comments Adjusted EPS, EUR 0,24 0,27 1,09 → Cash position at EUR 15,2 million end of Q1 2025 (committed EUR 30 million Net debt 141,0 134,2 142,7 facility fully unutilized) → Net debt / adjusted EBITDA at 2,7x Net debt
Slide 16: Looking ahead
Looking ahead Enento Group Plc – 25 April 2025
Slide 17: 2025 focus areas: Balance of driving growth while executing efficiencies
2025 focus areas: Balance of driving growth, with particular focus on Win Sweden, while executing efficiencies Retain #1 position in the core credit and business information services Grow strategically important new services such as Fraud prevention, real-time financial data (PSD2), Compliance (PEP,
Slide 18: Thank You! Time for Q&A
Thank You! Time for Q&A Enento Group Plc – 25 April 2025
Slide 19: Financials Q1 2025 Summary
Financials Q1 2025 Summary Enento Group Plc – 25 April 2025
Slide 20: Q1 2025 key figures
Q1 2025 key figures Share of net Sales by NET SALES Business Area Q1 2025 FROM NEW SERVICES NET SALES 11,0% 37,7 MEUR BUSINESS 39% INSIGHT ADJUSTED EBITDA ADJUSTED EBITDA MARGIN 61% CONSUMER 12,4 MEUR 33,0 % INSIGHT FREE CASH FLOW CASH CONVERSION 7,0 MEUR 67,2 % Share of Net Sales by Country Q1 2025
Slide 21: Overview
Overview EUR million Q1 / 2025 Q1 / 2024 FY 2024 (unless stated otherwise) Net Sales 37,7 37,3 150,4 Change (year-on-year, comparable fx) 1,0% -6,3% -3,6% Adjusted EBITDA 12,4 12,4 52,0 Change (year-on-year, comparable fx) 0,2% -15,2% -9,0% Adjusted EBITDA margin 33,0% 33,3% 34,6% Adjusted EBIT 9,5
Slide 22: Income statement
Income statement EUR million Q1 / 2025 Q1 / 2024 FY 2024 Net sales 37,7 37,3 150,4 Other operating income 0,1 0,0 0,1 Materials and services -6,9 -6,8 -27,7 Personnel expenses -10,2 -11,6 -38,2 Work performed by the entity and capitalised 0,5 1,0 2,8 Other operating expenses -10,7 -9,6 -41,0 Depreci
Slide 23: Cash flow
Cash flow EUR million Q1 / 2025 Q1 / 2024 FY 2024 Cash flows from operating activities Cash flows before change in working capital 9,3 11,5 46,6 Change in working capital 2,2 0,5 0,2 Net interests and other financing items -3,5 -3,5 -7,7 Income taxes paid -2,1 -2,1 -6,4 Net cash from operating activ
Slide 24: Net sales by quarter
Net sales by quarter Net sales, EUR million 43,4 42,9 40,7 40,5 40,0 39,7 38,9 38,5 37,8 37,3 37,3 36,8 37,7 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 24 Enento Group Plc – 25 April 2025
Slide 25: Net sales growth by quarter
Net sales growth by quarter Net sales growth at reported FX, year-on-year, % Net sales growth at comparable FX, year-on-year, % 7,1 4,4 4,8 4,9 4,1 2,6 3,1 2,3 1,1 1,0 -0,4 -1,7 -1,3 -2,2 -2,4 -3,0 -2,9 -2,9 -2,6 -3,5 -6,5 -6,8 -6,3 -7,8 -8,6 -9,3 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2
Slide 26: Future outlook and guidance 2025
Future outlook and guidance 2025 (unchanged from 14 February 2025) There are signs of a gradually improving macroeconomic situation and stabilization in the demand for mortgage and unsecured loans, and the demand for business information services remains good. However, the Swedish consumer credit ma
Slide 27: Enento Group Plc
Enento Group Plc Henrik Soras Head of IR & Strategy +358 40 184 3449 henrik.soras@enento.com Elina Stråhlman CFO +358 40 564 7877 elina.strahlman@enento.com