Pepkor Holdings Ltd. · JSE:PPH
Pepkor — Investor Day (2026)
11 slides from Pepkor's investor day presentation, 2026
Slide 1: Capital Markets Day 2026
Execut Today ps
Slide 2: Disclaimer
DISCLAIMER Shareholders are advised that the information in the The risks and uncertainties inherent in the forward-looking presentations have not been reviewed and reported on by statements contained in this presentation include, but are Pepkor Holdings Limited’s (Pepkor) external auditors and do n
Slide 3: It's in our DNA
PEPKOR Holdings Limited
Slide 4: To make a positive difference by solving customer needs
. . . it’s in our DNA TO MAKE A POSITIVE DIFFERENCE BY SOLVING CUSTOMER NEEDS AND MAKING LIFE’S ESSENTIALS AFFORDABLE AND ACCESSIBLE TO ALL 12
Slide 5: Pepkor Today
PEPKOR TODAY A retail-powered consumer platform >6 500 stores stores More than IKEA, Target and Primark COMBINED >32m known customers CHINA More than 50% of the total SA population 13.5m cellular handsets sold every year SOUTHERN More than 1m handsets sold every month AFRICA Revenue BRAZIL 12.0% >2b
Slide 6: Our Retail Powered Platform
. . . it’s in our DNA PIETER ERASMUS Chief Executive Officer Our RETAIL POWERED platform
Slide 7: Macro & Operating Environment
MACRO & OPERATING ENVIRONMENT IMPROVED MACRO CHALLENGES PERSIST SA INC Unemployment GDP Cost of living Inflation - Food inflation Infrastructure Port operations Political landscape Electricity supply Regulatory environment Wage growth DISRUPTION Low RSP inflation 2-pot retirement reform ● Intense compe
Slide 8: The Scalable Pepkor Consumer Platform
THE SCALABLE PEPKOR CONSUMER PLATFORM Structural advantage Meeting customers where they are Monetising customer relationships Retail-powered consumer platform Multiplying customer lifetime value – from babywear to banking 17
Slide 9: Strategic Delivery
STRATEGIC DELIVERY CMD2024 COMMITMENT DELIVERY Expand adultwear +442bps gains in market share Grow retail credit 2.1m to 3.9m >R6bn cross shop benefit active accounts Launched +14% growth in Grow cellular ongoing revenue 200k to 4m customers N4L not successful yet R500m EBIT Leverage insurance capabi
Slide 10: Capital Allocation
CAPITAL ALLOCATION STRATEGIC INVESTMENTS IN DIVESTED FROM IMPACTED R4.8bn Capex • Cash conversion • Returns R12.0bn Funding books R2.7bn Targeted M&A R1.0bn Scaling Brazil 19
Slide 11: Pepkor Earnings Evolution
PEPKOR EARNINGS EVOLUTION Retail platform multiplying customer value R5.9bn R5.2bn The future 8% Informal Market Platform 6% segment (IMP) Financial Services 3% 8% Group headline segment (FS) 7% earnings growth 6% Furniture and Electronics segment (FAE) 10% - 15% 84% Clothing and General 78% Merchan