Gen Digital Inc. · NASDAQ:GEN
Gen Digital — Investor Day (September 2025)
76 slides from Gen Digital's investor day presentation, Sep 8, 2025
Slide 1: Gen Financial Wellness Analyst & Investor Briefing 2025
Gen Financial Wellness Analyst & Investor Briefing 2025 (Gj) norton Ay Avast S LifeLock: MoneyLion’
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation contains statements which may be considered forward-looking within the meaning of the U.S. federal securities laws. In some cases, you can identify these forward-looking statements by the use of terms such as “expect,” “will,” “continue,” or similar expre
Slide 3: Gen
Gen
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Slide 5: Agenda
Analyst & Investor Briefing 2025 Agenda MoneyLion Business Rick Correia Technology & Capabilities Tim Hong Trust-Based Solutions Travis Witteveen Closing and Q&A Vincent Pilette + All Gen Financial Wellness | Analyst & Investor Briefing 2025
Slide 6: MoneyLion Business
MoneyLion Business Rick Correia MoneyLion Gen Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gen Digital Inc. All rights reserved. 6
Slide 7: MoneyLion
a MoneyLion
Slide 8: Powering Digital Freedom
Powering Digital Freedom MONEYLION The first digital ecosystem for consumer finance MONEYLION VISION The #1 destination for financial decisions Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gén-Digital Inc. All rights reserved.
Slide 9: Note: See “Footnotes” section for detailed footnotes and defin itions.
Note: See “Footnotes” section for detailed footnotes and defin itions. 9
Slide 10: The next generation of consumer finance is...
The next generation of consumer 3 finance Is... Gen Financial Wellness | Analyst & Investor Briefing 2025
Slide 11: Secure Financial Wellness
Secure Financial Wellness Consumer-centric, trusted decision Products + Advice + Trust = making for a better financial life Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gen Digital Inc. Alll rights reserved. u
Slide 12: Cyber Safety offerings
Cyber Safety agent Fraud prevention Monitoring & alerts Reputation ID restoration & legal Insurance Anti-virus Ransomware Anti-scam 12
Slide 13: Financial products offered
• EWA • 401(k) • Credit Card • IRA • Debit Card • Managed Investing • Rewards • Financial Planning • Estate Planning • Mortgage • Auto Refinance • LOC • Auto Insurance • HELOCs • Insurance 13
Slide 14: Customer needs: advice, optionality & trust
Customer needs: advice, optionality & trust © 5 Way Too Much “Stuff” Managing Financial Shocks Authentic personalized holistic advice vs. Optionality to help manage small and large income and transactional point SATIS solutions Gen Financial Wellness | Analyst & Investor Briefing 2025 Threats Are Ev
Slide 15: We serve the 99%
We serve the 99% as amass market platform 5 0 e 5 I just gota tax refund of $5,600, whatis the best place for this money? Who pays if there is fraud on my account? 'm with a big bank ABC but nobody seems to want to talk to me about investing I just gota raise; we’re squirrelling away a little each m
Slide 16: MoneyLion Products
MoneyLion Products a MoneyLion | Budgeting products Banking Investing Rewards Credit Building Cash Management Copyright © 2025 Gen Digital Inc. All nghts reserved. 16
Slide 17: Most full-featured personal finance management solutions
The most full-featured personal finance management solutions in the industry... Content Community Insights Al-search, loan calculators, Commenting, news, Atdriven personalized insights based credit monitoring user-generated content on unique financial data and intent SoFi te ee $6,000- $100,000 This
Slide 18: Rewards, trading, banking and credit products
Rewards Trading and Cash Checking Account / Consumer Credit Credit Investing Management Banking Marketplace Monitoring Building 18
Slide 19: Leading financial product marketplace
Leading financial product marketplace BUYERS MARKETPLACE high-intent traffic across the internet trusted, neutral provider (650+ Channel Partners) (Data-Powered, Personalized) 350M+_ = Annual Eee Total Customer — Inquiries = Value to Channel Partners: Connects Consumers & Products: + Monetizes exist
Slide 20: Gen's customer base will enhance product partners
Gen's customer base will further enhance our product partners and depth in key growth verticals 650+ Channel Partners with Deep integrations with 600+ financial large base of consumers Product Partners through 30+ verticals Note: All tradem arks, logos and brand names used herein are the property of
Slide 21: Note: See “Footnotes” section for detailed footnotes and defin itions. LTM as of Q1
Note: See “Footnotes” section for detailed footnotes and defin itions. LTM as of Q1 FY26 21
Slide 22: Note: See “Footnotes” section for detailed footnotes and defin itions.
Note: See “Footnotes” section for detailed footnotes and defin itions. 22
Slide 23: 30/60/90 lifecycle strategy
30/60/90 lifecycle strategy Increases MoneyLion’s mix of high-margin revenue Acquisition Entry MoneyLion is accelerating its mix of high contribution-margin revenue... Illustrative Revenue Mix Shift 30%-Margin | Revenue Acquisition Margin Margin “Entry >>> First-party Consumer Products. Marketplace
Slide 24: Extending Lifetime Value
Revenue by Cohort 2025 Extending Lifetime Value 2024 80%+ Repeat Revenue (5) from historical 2023 cohorts 2022 2021 2020 2019 Pre-2019 2019 2020 2021 2022 2023 2024 H1 2025 Annualized 24
Slide 25: And we're just getting started
And we’re just getting started Sustaining our high-growth profile for the long run International Expansion Top of Funnel Expansion + Al Amplification Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gen Digital Inc. Alll rights reserved. 25
Slide 26: Technology Platform
Financial Wellness Technology Platform Tim Hong Financial Technology Gen Gen Financial Wellness | Analyst & Investor Briefing 2025
Slide 27: MoneyLion's leading AI technology
MoneyLion’s leading Al technology # Re fs Data and personalization Proven foundation, Services and SDKs at its core built for the Al age for partner success * 1st party data with credit, finances, + Already billions of validated Al * Scale matters — distribution and and behaviors model outputs per y
Slide 28: Financial Products
01 Financial Products
Slide 29: Products essential to daily life
Products essential Helping consumers navigate our full spectrum to daily life of best-in-class financial products In times of excess ‘ vn In times of need Core Banking ‘ Credit Monitoring Investing yi: , Earned Wage Access Trading & Crypto . Credit Builder Loan Roundups a a Cashflow Management Gen F
Slide 30: Products essential to daily life
Products essential Helping consumers navigate our full spectrum to daily life of best-in-class financial products In times of need Credit Monitoring In times of excess Core Banking Investing Trading & Crypto Roundups Earmed Wage Access Credit Builder Loan Cashflow Management Gen Financial Wellness |
Slide 31: Banking
Banking Physical/Virtual Debit Card RoarMoney Banking 3] @® aaTD © al? Direct Deposit Balance > $200.00 © Auto deposit is enabled Early Paycheck Mastercard Price Protection Up to $1,000 ™ ©¢ Vv 6 Cash Rewards Add Withdraw Pay —Directdep. More Peer-to-Peer Payments Needs your attention @ Bill Pay 55K
Slide 32: Managed investing
Managed investing Registered investment advisor Balanced Portfolio Diversified, Low-cost ETFs Steady Income Auto-invest Roundups Gen Financial Wellness | Analyst & Investor Briefing 2025 fs Managed Investing Account + 1234, $552.46 $26.63 (4.82%) past day Activity 1M tw All Add money Withdraw
Slide 33: Active investing
Active investing Trade individual stocks & ETFs . . Active Investing Simple, intuitive with Account + 0849 no investment minimums Q Portfolio alerts flagging concentration & other portfolio risk insights Fully integrated news, widgets, $4,049.86 « games, education, sentiment analysis and community C
Slide 34: Products essential to daily life
Products essential Helping consumers navigate our full spectrum to daily life of best-in-class financial products In times of excess ° In times of need Core Banking Credit Monitoring Investing | Earned Wage Access Trading & Crypto . Credit Builder Loan Roundups — Cashflow Management Gen Financial We
Slide 35: Instacash
Instacash Get paid on your terms in minutes Get up to $500 in minutes No interest No monthly fee No credit check Advanced Al enables instant onboarding, paycheck detection and real-time risk management Gen Financial Wellness | Analyst & Investor Briefing 2025 Instacash Cash advances Balance soosteo
Slide 36: Instacash
Instacash Get paid on your terms in minutes Of users feel they are better able to care for themselves and their dependents since using Instacash Of users feel more in control of their finances since using Instacash Instacash NPS Score Gen Financial Wellness | Analyst & Investor Briefing 2025 Instaca
Slide 37: Credit building & monitoring
Credit building & monitoring Step-by-step programs to build credit Access to secured credit builder loans Reported to all three bureaus Earn rewards for financial wellness Personalized insights and content °0 88 8 8 Members have improved their credit scores by 25+ points within 60 days Gen Financial
Slide 38: Products essential to daily life
Products essential Helping consumers navigate our full spectrum to daily life of best-in-class financial products In times of excess ‘ vn In times of need Core Banking ‘ Credit Monitoring Investing yi: , Earned Wage Access Trading & Crypto . Credit Builder Loan Roundups a a Cashflow Management Gen F
Slide 39: Embedded Marketplaces
02 Embedded Marketplaces Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gen Digital Inc. All ights reserved. 39
Slide 40: Consumer Marketplace
Consumer - == \ Marketplace A id API connectivity directly with product providers | Savings Calculator See how your money can grow over time Driven by personalized matching Seamlessly integrated into the | Initial deposit $5,000 app experience Monthly contribution $200 Over a period of 5 Your total
Slide 41: Consumer Marketplace
Consumer Marketplace API connectivity directly with product providers Driven by personalized matching Seamlessly integrated into the app experience Gen Financial Wellness | Analyst & Investor Briefing 2025 aD © Products & Offers © Access funds with any credit ere get an average of $96 cashback How m
Slide 42: Embedded marketplace distribution formats
lendi MoneyLion Get Matched With Personal Loan Offers In Less Than 60 Seconds Congratulations! We've matched you with the following offers Sort Recommended 4 ~ {ero ane 3€ Best Egg 36 months 8.99% $15,000 Partner Page Links out to Engine hosted white-labelled or co-branded pages 2 Investopedia Q Bes
Slide 43: Fully integrated checkout
Fully integrated checkout Shop for your financial finandal needs Howmuchwoudyoulketo toborrou? $7,000 Gen Financial Wellness | Analyst & Investor Briefing 2025 Fill out your information. jotndoe@emaicom (299)999.0809 Integrating all steps of the financial product journey, from search and application
Slide 44: Verified data and hosted underwriting models
Verified Consumer Data Name Employment John Doe ABC Construction, Full Time Annual Income Account Number $145,000 154503896271 1st & 3rd Party Data Sources Bureau Data Cashflow Data … and more Hosted Underwriting Models Lender A Lender B Lender C 44
Slide 45: Matched offers
FINANCIAL Femaoune Congratulations! You were matched with these offers Creditissuer Bank Platinum Signature with No Annual Fee
Slide 46: Advice & AI
03 Advice & Al Gen Financial Wellness | Analyst & Investor Briefing 2025 ight © 2025 Gen Digital Inc. All rights reserved. 46
Slide 47: Advice & personalization
Advice & personalization — layer technologies ys 132.900 Creat Score Possibie? How to Build Creit with 9 Credit Cara Driving engagement, insights, and a matching with rich user-permissioned data: momo corny el AES Sirmione * Verified identity data * Credit data - credit score, oa Ps $7,386.97 2 repa
Slide 48: Feed technologies
Feed technologies Deliver engaging content to our users, based on that data and relevancy Powered by Al recommendation algorithms and verified financial wellness content Unlike Facebook or TikTok, our financial data delivers tailored content to personalized financial goals and profile Gen Financial
Slide 49: AI and machine learning models
Enrichment Credit Payments Fraud Recommendations TxCat PcMex TxMex PCD NSF LASIC TFRec OSTRA ANUBIS InterbankTransfer Loan SubD Gas LASLoTUL Ranking Model Merchant Revenue & Spend ATM Fee ProfA-C MIME Next Best Offer Model Email Propensity Model Telecommunication Unusual Spending PaRiS Clustering XG
Slide 50: Enabling consumers to understand their financial and credit data
Enabling consumers understand their financial and credit data 50
Slide 51: AI agent architecture
Task planner Tool executer Response generator Post processor 51
Slide 52: Uniquely positioned in the AI age
Uniquely _——, positioned in the Al age Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025
Slide 53: Trust-Based Solutions
Trust-Based Solutions Travis Witteveen Trust-Based Solutions Gen Financial Wellness | Analyst & Investor Briefing 2025 Gen Copyright © 2025 Gen Digital Inc. All rights reserved. 53
Slide 54: Synergistic businesses that bring our vision to life
Synergistic businesses that bring our vision to life Protect with the best Cyber Safety Platform Re | Gen Secure me Give me control Navigate in an against cyber of my data & Al-driven world, threats digital footprint safely Powering Digital Freedom “norton §) Avast Gen Financial Wellness | Analyst &
Slide 55: Natural extension into Trust-Based Solutions
Natural extension into Trust-Based Solutions Empower with leading Trust-Based Solutions e@ (TU) *% Powering Digital Manage my Empower the Grow my identity & best financial finances with Freedom reputation decisions confidence norton §) Avast (V LifeLock €) MoneyLion Gen Financial Wellness | Analyst
Slide 56: Historically, trust was built through face-to-face contact
Historically, trust was built through face-to-face contact, handshakes, and personal reputations. Today, many interactions occur online where traditional trust cues are absent, creating new trust challenges. (Q)Bioen cugrowen tpessions mavrsic Looking ahead, trust now relies on digital footprints, v
Slide 57: Our heritage is built on Trust
Our heritage is built on Trust Expanding Beyond Devices Reputation Matters G © LifeLock = “SEeze3i3" by norton by norton Financial Empowerment and Decisioning © MoneyLion Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gen Digital Inc. All rights reserved. 57
Slide 58: LifeLock: who you are
who you are wv LifeLock’ | Consumer peace of mind since 2005 by norton’ Your Identity Name, Email, Gamertags/UN DL, Passport, 100+ more Your Home Deed/Title, Loan, Refi Own/Sold Your Health Health/Insurance IDs Health Accounts Your Accounts Applications and Openings, Data Breaches/Leaks Cell Phone Y
Slide 59: Perception often outweighs reality
Perception often outweighs reality: Applying for a job Securing a loan Getting elected Ensuring non-public data stays private 57% of employers rejected candidates based on social media content 36% of college admission officers look into applicants’ internet profiles 59
Slide 60: Expanding to manage and grow your financial life
Expanding to manage and grow your financial life New features provide LifeLock customers with insights into their financial information < Financial Monitoring AllRecuring Complementing existing financial monitoring features ; Building, leveraging, protecting, oo . and extending credit health a, Prov
Slide 61: Access to 10s of millions of high value customers
Access to 10s of millions of Secure access to one of the most high value customers in the US complete financial portfolios Opening more than 10M new Educate to make financial products financial accounts each year and services more accessible Secure and easy access to an Embed security and privacy fe
Slide 62: Protect, Verify, Personalize, Contextualize, Open ecosystems
Protect Cyber Safety as the foundation for trust Verify Authentication as the path to confidence Personalize Tailored insights that empower action through Al Contextualize Life-stage relevance in the moments that matter Open ecosystems Embedded services providing trusted access
Slide 63: Competitive positioning
Security Big Data Financial Emerging Competitors Providers Institutions FinTech Protection Identity Reputation Core Financial Suite Scaled Customers Open Ecosystem 63
Slide 64: Trust-Based Solutions portfolio across financial journey
Our Trust-Based Solutions “norton Avast portfolio enables your full ee neon identity and financial journey Planning for the future wpe Growing and Building protecting foundations wealth - Savings Me Family pla nning investmen Personal finance financial predicts Financial product management optimizat
Slide 65: Closing and Q&A
Closing and Q&A Vincent Pilette CEO Gen Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gen Digital Inc. All ights reserved. 65
Slide 66: Trust-Based Solutions
Trust- Based Solutions Cyber Safety Platform 66
Slide 67: Growth targets and CAGR
10%+ ~20% CAGR CAGR Note: We ar e not provid ing FY2 6 GA AP EPS estimate because most non-GA AP adjustments pertain to even ts that have not yet occurred and wou ld be 67 unr easonably bur densome to forecast.
Slide 68: Secure Financial Wellness growth
(shared in Nov 2023) a Consumer Digital $50B+ Finance (1) oe ble digi growth Secure Financial Wellness 2020 2023 2025+ Low-to-mid single Mid-Single Digit Mid-to-High Single digit CAGR CAGR Digit CAGR
Slide 69: Innovation-driven portfolio, customer centricity, trusted brands
Innovation- Customer Trusted Scaled Disciplined Driven Portfolio Centricity Brands Distribution Execution AI-centric innovation Consumer-first mentality Leaders in consumer Direct-to-consumer, High performance, Cyber Safety partner reach purpose-driven culture Scalable Cyber Safety Customer journey-
Slide 70: AI-powered platform for personalized outcomes
Al-powered platform for personalized outcomes Gen Powered by: Market-Leading Endpoint Visibility Unprecedented access to threat and behavioral signals / trajectories across 500M+ endpoints Allayer * Personalized decision-making Bespoke Al Systems and Infrastructure Specialized Al systems across clou
Slide 71: AI-driven initiatives
AI-driven behavioral Cyber Safety segmentation scam assistant 25% AI cancellation Data driven chatbot moments of truth 50 bps Customer support Agentic lifecycle agents marketing Sentiment AI for reputation Product and content recommender 40M+ Personalized insights and advice 71
Slide 72: Key takeaways
Cyber Safety innovation in protection and verification outpaces threats and drives trust Best customer-centric trust-based solutions to strengthen value to the consumer Dynamic network of partners enriches customers’ choices and reach Al-powered platform for personalized guidance, decisioning, and b
Slide 73: Expanding Partner Network
Expanding Partner Network Al-powered platform, products, partner network growth Leading ™ _ Gen Products. = Copyright © 2025 Gen Digital Inc. All rights reserved. 73
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Slide 75: Cyber Safety Trusted Solutions
Cyber Safety Trusted Solutions sy norton @norton avast GLifelock (3) MoneyLioni Gen Financial Wellness | Analyst & Investor Briefing 2025 Copyright © 2025 Gen Digital Inc. All rights reserved. 75
Slide 76: Footnotes
1) Total Customer Inquiries is composed of Consumer Inquiries, which represents the number of submitted consumer applications for financial products across our marketplace business, MoneyLion app installs and users who have registered via the MoneyLion website. Metrics are as of June 30, 2025, with