Slide 1: CAG Group Q4 & FY 2025
We accelerate digital CAG Group innovation for people . Q4 & FY 2025 Leading technology . Lasting impact
Slide 2: Key Take-Aways
2026 -02 -19 Key Take -Aways • Acquisition of Clara Financial Consulting, strengthened Banking & Finance segment • Equally strong position in Defence segment • Growth in IT Service Operations; recurring revenue • Continued positive utilization and price trend
Slide 3: CAG at a glance
CAG 2005 Founded 420 Employees Krokom Excellent Employee Satisfaction , eNPS 64 Enköping Indepe ndent subsidiaries in Technology Consultancy Oslo Services and IT Service Operations Karlstad Uppsala Stockholm Listed on Nasdaq First North Premier since 2018 Borås Linköping DNB Carnegie Investment Bank
Slide 4: CAG & Clara Financial Consulting
CAG 2026 -02 -19 CAG & Clara Financial Consulting
Slide 5: A Stronger Banking & Finance Sector
2026 -02 -19 A Stronger Banking & Finance Sector • Banking & Finance specialist, primary focus Asset Management. ~40 employees • 2025 Revenue 102 MSEK, EBITA 22 MSEK, EBITA margin 22 % • Leading partner to SimCorp in the Nordics (SCD). Knowledge in several asset management systems • Customers are le
Slide 6: Consistent Growth and Profitability
Consistent Growth and Profitability CAGR 10% Total Revenue, MSEK Adjusted EBITA, % and MSEK 894 82,2 872 849 73,1 74,6 800 75,0 653 9,2 % 52,2 9,1% 39,7 44,7 533 33,0 39,8 489 488 395 8,6 % 8,8 % 8,4 % 8,0 % 8,1% 8,1% 8,0 % 2017 2018 2019 2020 2021 2022 2023 2024 2025 2017 2018 2019 2020 2021 2022 2
Slide 7: Focused Customer Segments
Focused Customer Segments (figures per Q4 2025) Övrigt Försvarsindustri Industri 10% 7% • ~300 active customers 3% • Defence segment, 35 (33) percent of revenue Handel och • Largest customer , 20 (20) percent of revenue tjänsteföretag Försvar 13% 28% • Recurring revenue , >20 percent • 10 largest cu
Slide 8: Solid Customer Base
Solid Customer Base G FORSVARSMAKTEN & S|EB id NORWEGIAN DEFENCE (3) MATERIEL AGENCY SAAB WEIBEL DOPPLER RADARS Handelsbanken A? alecta 1 yY EE iinstorsskrinear AP3 Tredje AP-fonden Lansforsakringar SVENSKA @ | ove = KRAFTNAT ANIA AvANzAII| WP Nexdtethiessen (Cumepie) Loe oge SYKEHUSAPOTEKENE SIL pe
Slide 9: Frame Agreements & Assignments, Q4
inom Verksamhetsutveckling RS, Anbudsområde 3 - Hälso- och sjukvård inom Verksamhetsutveckling RS, Anbudsområde 3 - Hälso- och sjukvård Frame Agreements & Assignments , Q4 • Frame agreement with Alecta , Managed Services financial expert systems. Valid 3 years , extension option 1 + 1 years • Frame
Slide 10: October – December 2025
October – December 2025 • Revenue 227.5 (231.5) MSEK, -1.8 %, excl subcontractors – 1.5 % • Adj EBITA margin 9.5 % (9.4); Adj EBITA 21.6 (21.8) MSEK • Cash flow from operations 48.7 (30.1) MSEK • After -tax profit 14.3 (14.8 ) MSEK • Profit per share 2.00 (2.07) SEK • Average number of employees 396
Slide 11: Fiscal Year 2025
Fiscal Year 2025 • Revenue 849.0 (872.1) MSEK, - 2.6 %, excl subcontractors – 1.7 % • Adj EBITA margin 8.8 % (8.6), adj EBITA 74.6 (75.0) MSEK • Cash flow from operations 87.2 (82.2) MSEK • After -tax profit 47.8 (48.6) MSEK • Profit per share 6.67 (6.78) SEK • Avg number of employees 409 (445), at
Slide 12: Solid Financial Position
Solid Financial Position Financial Position (KSEK) Dec 31, 2025 Dec 31, 2024 Cash at end - of - period 122 547 108 431 Utilized credit facility (checkkredit) - - Net Debt */Equity: ~ - 0.3 Long term debt , interest - bearing - -9 333 Long term debt , leasing -11 084 -11 104 Net Debt */EBITDA: ~ - 1.
Slide 13: Key Take-Aways
2026 -02 -19 Key Take -Aways • Acquisition of Clara Financial Consulting, strengthened Banking & Finance segment • Equally strong position in Defence segment • Growth in IT Service Operations; recurring revenue • Continued positive utilization and price trend • FY2026 has 251 (249) days => 0.8 % gro
Slide 14: Thank You! Questions?
CAG 2026 -02 -19 Thank You ! Questions ? Åsa Landén Ericsson, CEO CAG Group Asa.landen@cag.se
Slide 15: Leading technology, Lasting impact
Leading technology Lasting impact