Cardiff Lexington Corporation · OTC:CDIX
Cardiff Lexington — Cardiff Lexingtn — Q3 2025 Earnings Presentation
13 slides from Cardiff Lexington's earnings presentation, Nov 14, 2025
Slide 1: Third Quarter 2025 Earnings Presentation
THIRD QUARTER 2025 EARNINGS PRESENTATION Friday, November 14, 2025 OTC: CDIX
Slide 2: Forward Looking Statements
FORWARD LOOKING STATEMENTS This presentation does not constitute or form part of and should not be construed as, an offer to sell or issue or the solicitation of an offer to buy or subscribe for securities of Cardiff Lexington (the “Company”) in any jurisdiction or an inducement to enter into invest
Slide 3: Third Quarter 2025 Highlights
THIRD QUARTER 2025 HIGHLIGHTS Revenue $3.1M • Revenue growth of 125.6% to $3.1M compared with 3Q24* $1.4M • Gross margin increased to 62.4% compared with 26.1% in 3Q24* 3Q24 3Q25 • Profitability in 3Q25 and YTD; 3Q25 adjusted EBITDA** of $663K and YTD Gross Margin Adjusted EBITDA** of $1.9M 62.4% •
Slide 4: Nova Ortho & Spine at a Glance
NOVA ORTHO & SPINE AT A GLANCE FULFILLING THE NEEDS OF AN UNDERSERVED MARKET • No dependence on CMS (Medicare/Medicaid) or health insurance companies (HMOs or Blue Cross) for reimbursement • Payor mix is almost exclusively comprised of automotive insurance companies, general liability carriers, and
Slide 5: Strong and Growing Market Presence
STRONG AND GROWING MARKET PRESENCE 12 Nova Ortho & Spine locations strategically positioned in population centers throughout Florida and Georgia with plans to expand to broader southeast US • Okeechobee (FL) • Tallahassee (FL) • Port St. Lucie (FL) • Fort Pierce (FL) • Madison (FL) • Orlando (FL) •
Slide 6: Well Positioned for Long-Term Growth
WELL POSITIONED FOR LONG-TERM GROWTH • Profitable & Scalable Healthcare Platform “Cardiff Lexington has built a profitable, credible, and • Fastest Growing Sector in US Healthcare scalable growth platform • Recession Resistant supported by seasoned management and a • Underserved Patient Population p
Slide 7: Three Synergistic Pillars for M&A Growth
THREE SYNERGISTIC PILLARS FOR M&A GROWTH Target Strong Core Cash Acquire Accretive Assets Drive Long-Term & Flows to Current Model Sustainable Profitability Acquire, optimize, and Expand geographical Acquire and manage manage physician footprint through personal injury practice practices with strong
Slide 8: Third Quarter & Nine Months Financial Highlights
THIRD QUARTER & NINE MONTHS FINANCIAL HIGLIGHTS Three Months Ended Nine Months Ended 9/30/25 9/30/24 9/30/25 9/30/24 Revenue* $3,058,740 $1,355,641 $8,763,314 $5,149,416 Cost of sales $1,149,161 $1,000,601 $3,317,943 $2,741,765 Gross profit $1,909,579 $355,040 $5,445,371 $2,407,651 Gross margin 62.4
Slide 9: Enhanced Balance Sheet
ENHANCED BALANCE SHEET Accounts Receivable Total Assets $27.6M $20.7M $23.9M $15.9M 12.31.24 9.30.25 12.31.24 9.30.25 30.0% Increase 15.4% Increase 9
Slide 10: Long-Term Growth Strategy
LONG-TERM GROWTH STRATEGY Enhance Working Expand Grow into Contiguous Capital and Geographically into Businesses via Operational Capacity Southeast US Accretive M&A - All Nova Ortho and Spine - 12 Nova Ortho and Spine - Complementary verticals locations currently locations throughout to existing bus
Slide 11: Cardiff Lexington Corporation Q&A
w 4 CARDIFF LEXINGTON CORPORATION Q&A
Slide 12: Appendix
w 4 CARDIFF LEXINGTON CORPORATION APPENDIX
Slide 13: Reconciliation of Non-GAAP Metrics
RECONCILIATION OF NON-GAAP METRICS 0,096 Three months ended Nine months ended 9/30/25 9/30/24 9/30/25 9/30/24 Net Income (loss) before discontinued operations $(1,144,299) $(1,977,968) $(2,821,471) $(2,281,345) Adjustments to reconcile net income/(loss) to EBITDA Interest 1,765,528 1,386,041 4,594,7