Slide 1: Interim Results 2026
Interim Results 2026 21 July 2026
Slide 2: Peter Duffy, Chief Executive Officer
é Peter Duffy Chief Executive Officer MONY GROUP
Slide 3: Strong results - executing with pace, delivering with purpose
Strong results - executing with pace, delivering with purpose Record first half - helping households save £1.5bn Two-sided marketplace strategy is delivering Record revenue and Adj EBITDA - up +6%. and +3% on a like-for-like basis: and +1% on e Over 2.5m SuperSaveClub members, a Reported basis 250k
Slide 4: [CLASSIFICATION: CONFIDENTIAL]
[CLASSIFICATION: CONFIDENTIAL] 4
Slide 5: Niall McBride, Chief Financial Officer
) Niall McBride Chief Financial Officer MONY GROUP
Slide 6: Financial highlights: Strong financial performance – record revenue and Adj EBITDA
Financial highlights: Strong financial performance – record revenue and Adj EBITDA Revenue* Adjusted EBITDA* £227m £76m +6% +1% +3% +1% like-for-like reported like-for-like reported Adjusted Basic EPS Operating Cashflow Dividend per share 9.7p £36m 3.36p +5% -17% Interim DPS +1% £25m Share buyback p
Slide 7: Insurance: Good return to growth as premium headwinds ease
Insurance: Good return to growth as premium headwinds ease HY26 performance Average paid premium price1 10 Car insurance Home insurance £122m 5 54% 0 2 -3% 2 -5 -5% +4% -10 Revenue % of Group revenue -15 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Performance summary Market dynamics • Car and Home growth be
Slide 8: Money: Continued strong performance – driven by market-leading banking deals
Money: Continued strong performance – driven by market-leading banking deals HY26 performance BoE Interest Rate and Consumer Borrowing 1 10% 9% £58m 8% 7% 25% 6% 5% 4% +9% 3% Oct-25 Aug-24 Oct-24 Aug-25 Jan-25 Feb-25 Jan-26 Feb-26 Jul-24 Apr-25 Jul-25 Apr-26 Sep-24 Mar-25 Sep-25 Mar-26 Jun-25 Dec-24
Slide 9: Home Services: Excellent growth driven by Energy, Broadband momentum sustained
Home Services: Excellent growth driven by Energy, Broadband momentum sustained HY26 Performance Exclusive deals driving energy performance Collective £28m energy switchers switch Volume of total 12% Collective switch +30% Revenue % of Group revenue Performance summary Market dynamics • Energy perfor
Slide 10: Cashback: Subdued consumer backdrop; investing in the proposition for recovery
Cashback: Subdued consumer backdrop; investing in the proposition for recovery HY26 Performance Consumer Confidence Index1 £24m 10% -13 -13 -20 -21 -18 -17 -20 -19 -20 -18 -19 -17 -19 -17 -19 -17 -16 -19 -13% -22 -23 -21 -23 -23 -25 Revenue % of Group revenue Aug-24 Oct-24 Jan-25 Feb-25 Aug-25 Oct-2
Slide 11: SuperSaveClub: Momentum maintained, engagement deepening, stronger economics
SuperSaveClub: Momentum maintained, engagement deepening, stronger economics Momentum Engagement Economics • Over 2.5 million members • >50% increase in App • £35 average revenue per consistently adding 250,000 each downloads year on year, user (ARPU1) is significantly higher quarter since launch su
Slide 12: SuperSaveClub: Our own digital broker proposition
SuperSaveClub : Our own digital broker proposition Compare, buy, manage and renew - entirely within our app INSURANCE e Alenabled digital broker, built inside our app with no third-party click out Why choose SuperSaveClub Car Everything in one trusted place }] Insurance? e Al guidance throughout the
Slide 13: Adjusted EBITDA growth supported by strong cost control and AI efficiencies
Adjusted EBITDA growth supported by strong cost control and AI efficiencies Like-for-like profit and operating costs* Operating cost base • Gross profit up 1% to £142m; gross margin decreased from 66% to 63% Includes £5m "Admin expenses" of Travel costs • Sustained PPC cost inflation, with elevated
Slide 14: Cashflow: H1 phasing driven by seasonality - consistent with prior years
Cashflow: H1 phasing driven by seasonality - consistent with prior years Net debt2 £31.8m at 30 June 2026 (net cash £4.1m at 31 December 2025) Operating cashflow £36.2m £75.5m (£2.3m) (£22.4m) £1.3m (£17.3m) £1.4m (£4.1m) (£2.9m) £29.2m (£16.5m) (£48.5m) (£35.8m) 1 Adjusted Adjusting Working Provisi
Slide 15: Maximising shareholder value, confident in delivering within consensus
Maximising shareholder value, confident in delivering within consensus Maximising shareholder value • MONY Group has an established and disciplined capital allocation policy driving the creation of long-term sustainable shareholder value Organic Ordinary Enhanced Acquisitions growth dividends distri
Slide 16: Peter Duffy, Chief Executive Officer
é Peter Duffy Chief Executive Officer MONY GROUP
Slide 17: A transformed Group — broader, leaner and adding more value than five years ago
A transformed Group — broader, leaner and adding more value than five years ago Loyal, engaged members 9) e SuperSaveClub: Over 2.5m members - delivering superior economics and doubling CLTV: aR MoneySavingExpert: the UK’s most recommended financial brand, a with 9m+ consumer email audience and 3.5m
Slide 18: An AI strategy that is already delivering
An Al strategy that is already delivering MONV's structural moat Leveraging Al for growth Trust and brand Regulatory credibility e Authority and credibility - trusted e Deterministic output - auditable and 1. Enhanci inte) the , consumer champion repeatable customer experience e Two of the most reco
Slide 19: Unlocking complexity: Investments by MoneySuperMarket
Unlocking complexity: Investments by INVESTMENTS 2 MONESUPERNARAET Build for tomorrow, starting today \We've made investing simple, afordable, and MoneySuperMarket © sso) Natural next step from savings - making investing accessible, not intimidating Our platform, built for accessibility - invest fro
Slide 20: Unlocking complexity: MoneySuperMarket Business Banking
Unlocking complexity: MoneySuperMarket Business Banking © «rvs: e Dedicated MSM branded app for business customers e Combines full FSCS-protected business current account with Al powered tax and accounting tools e Customers can set up and start banking within minutes — purpose built in readiness for
Slide 21: Strong results - executing with pace, delivering with purpose
Strong results - executing with pace, delivering with purpose Record first half - helping households save £1.5bn Two-sided marketplace strategy is delivering Record revenue and Adj EBITDA - up +6%. and +3% on a like-for-like basis: and +1% on e Over 2.5m SuperSaveClub members, a Reported basis 250k
Slide 22: Appendix
Appendix MONY GROUP
Slide 23: Strategic highlights: saved households an estimated £1.5bn in 2026
Strategic highlights: saved households an estimated £1.5bn in 2026 Estimated Group MSM and MSE net customer savings Group marketing margin promoter score £1.5bn 56% 74 H1 2025: £1.4bn H1 2025: 58% H1 2025: 57% H1 2025: 72 like-for-like reported MSM & Quidco revenue MSM and Quidco active users MSM cr
Slide 24: Investment proposition
Investment proposition 1. The result Clear social purpose • Highly profitable growth Helping households save money; estimated £1.5bn saved in 2026 Adjusted EBITDA1 growth3 H1 2026 3% (1% Reported) 2. H1 2025 2% (1% Reported) Scalable tech platform Powering price comparison across the Group, and for
Slide 25: Our Group
Our Group HY26 Revenue: £227m1, up 6% (like-for-like basis)2 and up 1% (reported basis) TRAVEL MONEY HOME SERVICES INSURANCE CASHBACK £122m £58m £28m £24m £- +4% +9% +30% -13% -100% Revenue Revenue Revenue Revenue Revenue 122 58 28 53 30 12 51 11 22 27 120 17 24 118 0 2024 2025 2026 2024 2025 2026 2
Slide 26: Adjusted cost base and marketing spend
Adjusted cost base1 and marketing spend Adjusted cost base1 Marketing spend and margin (%) Includes £10m Includes >£6m of Travel costs of Travel costs £158m £159m 57% 56% £8m £148m £7m 58% £101m £7m £96m £24m £25m £90m £12m £23m £10m £10m £11m £30m £26m £14m £28m £14m £22m £24m • 2 £24m Like-for-lik
Slide 27: Product engineering investment
Product engineering investment Total product engineering investment Reinvestment rate £23m £19m £19m £14m +10% +8% £4m £5m HY25 HY26 HY25 HY26 Product engineering capital investment Product engineering operating costs • Total product engineering costs down YoY due to reduced headcount 27 Note: Produ
Slide 28: Income statement
Income statement £million Growth H1 2026 H1 2025 (Reported) Revenue 227.1 225.3 1% Gross profit 142.4 147.7 (4%) Gross margin 63% 66% Adjusted EBITDA1 75.5 75.1 1% Adjusted EBITDA margin2 33% 33% Depreciation (1.6) (1.9) Amortisation of technology related intangible assets (5.8) (5.7) Adjusting item
Slide 29: Income statement
Income statement £million Growth H1 2026 H1 2025 (Reported) Operating profit 62.4 61.2 2% Depreciation 1.6 1.9 Amortisation of technology related intangible assets 5.8 5.7 Adjusting items (for EPS only): Amortisation of acquisition related intangible assets 3.4 4.1 EBITDA 73.2 72.9 0% Adjusting item
Slide 30: Segmental measure of EBITDA contribution
Segmental measure of EBITDA contribution HY 2026 Inter-vertical £million Insurance Money Home Services Travel Cashback Shared costs eliminations Total Revenue 122.1 57.6 28.2 - 23.8 - (4.6) 227.1 Directly attributable expenses (64.4) (22.0) (8.8) - (19.5) (41.5) 4.6 (151.6) Adjusted EBITDA contribut
Slide 31: Segmental notes: measure of Adjusted EBITDA contribution
Segmental notes: measure of Adjusted EBITDA contribution • Results include a measure of segmental profit by vertical in line with IFRS 8 • Adjusted EBITDA contribution = Revenue – directly attributable cost of sales – directly attributable operating expenses Directly attributable cost of sales inclu
Slide 32: MONY Group
MONY GROUP