Slide 1: Enento Group Plc Financial statement release
CEO Teppo Paavola CFO Elina Stråhlman 13 February 2026 Enento Group Plc Financial statement release 1.1.2025-31.12.2025
Slide 2: Enento Group's new CEO Teppo Paavola
Enento Group’s new CEO Teppo Paavola About me • Started in the position in January 2026 • Deep experience in financial technology, digital transformation and international growth, having held senior leadership and board roles in several global companies. • Chief Digital Officer at Adecco Group (2019
Slide 3: Key figures 2025
Key figures 2025 Share of net Sales by NET SALES Business Area 2025 FROM NEW SERVICES NET SALES 8,1% 152,7 MEUR BUSINESS 40% INSIGHT ADJUSTED EBITDA ADJUSTED EBITDA MARGIN 60% CONSUMER 52,4 MEUR 34,3 % INSIGHT FREE CASH FLOW CASH CONVERSION 34,1 MEUR 75,6 % Share of Net Sales by Country 2025* MARKET
Slide 4: 2025 highlights
2025 highlights Business volumes stabilized, giving Several new services launched in SME transformation in Sweden is us a stronger footing for the year both Business Areas proceeding according to plans ahead Improved operational efficiency by Change negotiations in Q4 to shift Continued high custome
Slide 5: Looking Ahead: Business Area Update
Looking Business Ahead Area Update
Slide 6: Business Insight Highlights Q4 2025
Business Insight Highlights Q4 2025 Sales grew in Finland throughout all business lines, declined in Sweden and • Performance remained solid although we continued to face good development continued in Denmark headwinds in Premium sales for SMEs in Sweden. and Norway • However, the Swedish SME premiu
Slide 7: Digital Registration Service for apartments launched in Q4
Digital Registration Service for apartments launched in Q4 The new service allows our Finnish bank customers to complete ownership and pledge registrations of housing shares electronically instead of a manual process. The applications are prepared and sent to Signicat’s signature service for electro
Slide 8: Consumer Insight Highlights Q4 2025
Consumer Insight Highlights Q4 2025 Flat development in Sweden where the broker segment volumes have stabilized, • Consumer credit information demand remained muted but decline in Finland stable in Sweden. • The volumes of the Swedish broker segment have stabilized and to our understanding all major
Slide 9: CFO Highlights
Building trust in the everyday.
Slide 10: Key figures Q4 2025
Key figures Q4 2025 Q4 2025 Net sales Adjusted EBITDA Adjusted EBITDA % Adjusted EBIT Net debt / Adjusted 0,9%* 12,8%* 3,6 pp-%* 24,0%* EBITDA 39,1 MEUR 13,5 MEUR 34,5 % 10,6 MEUR 2,7 X Q4 2024 Net sales Adjusted EBITDA Adjusted EBITDA % Adjusted EBIT Net debt / Adjusted EBITDA 37,8 MEUR 11,7 MEUR 3
Slide 11: Net sales by business area
Net sales by business area GROWTH AT COMPARABLE FX RATES +2,0% Q4 / 2024 Comments 23,7 Q4 / 2025 22,8 Business Insight → Sales grew in Finland throughout all business lines, declined in Sweden and good development continued in Denmark and -0,6% Norway. → Enterprise sales grew in both Finland and Swe
Slide 12: Growth in Business Insight, Consumer Insight stabilizing
Growth in Business Insight, Consumer Insight stabilizing Business Insight net sales quarterly Consumer Insight net sales quarterly 23.4 23.7 22.8 22.6 22.2 23.0 22.8 22.8 22.4 21.5 21.9 17.6 20.9 16.8 16.5 16.3 15.1 15.4 15.4 15.0 14.8 15.2 15.4 15.4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q
Slide 13: Adjusted EBITDA improved
Adjusted EBITDA improved Comments 0,3 13,5 0,2 → Adjusted EBITDA improved by 12,8% at comparable exchange rates and by 15,2% at reported exchange 0,8 rates → Adjusted EBITDA margin was 34,5% and increased by 3,6 pp at comparable and reported rates. → Profitability was supported by increased net sale
Slide 14: Strong free cash flow and cash conversion
Strong free cash flow and cash conversion Free cash flow, LTM (M€) Free cash flow, Quarter (M€) Comments Cash conversion, Quarter (%) 36.9 36.4 → Free cash flow increased by EUR 6,2 34.0 million to EUR 13.3 million 33.4 33.5 33.9 33.5 32.5 32.0 31.3 30.7 30.9 31.4 13.3 → Free cash flow improvements
Slide 15: Key indicators
Key indicators EUR million Q4 / 2025 Q4 / 2024 2025 2024 Comments (unless stated otherwise) Adjusted EPS, EUR 0,30 0,23 1,14 1,09 → Cash position at EUR 13,2 million end of Q4 2025 (committed EUR 30 million facility fully unutilized) Net debt 143,3 142,7 143,3 142,7 → Net debt / adjusted EBITDA at 2
Slide 16: Looking ahead
Bullding trust in the everyday.
Slide 17: Board of Directors' proposal on distribution of funds is total of 1,00 EUR for 2025
Board of Directors’ proposal on distribution of funds is total of 1,00 EUR for 2025 Free cash flow and distributions to shareholders (MEUR) Dividend per share (EUR) Free cash flow Dividends payout Share buybacks Dividend per share 33.9 34.0 1.00 1.00 1.00 1.00 1.00* 32.1 32.6 32.0 0.95 0.95 29.8 30.
Slide 18: Future outlook and guidance 2026
Future outlook and guidance 2026 Macroeconomic and geopolitical uncertainties are expected to persist into 2026. The Swedish regulatory environment, especially recent and upcoming changes affecting loan brokers, continue to present risks for Enento. Despite these challenges, our business volumes sta
Slide 19: Thank You!
Bullding trust in the everyday.
Slide 20: Financials Q4 2025 Summary
Financials Q4 2025 Summary
Slide 21: Q4 2025 key figures
Q4 2025 key figures Share of net Sales by NET SALES Business Area Q4 2025 FROM NEW SERVICES NET SALES 5,4% 39,1 MEUR BUSINESS 39% INSIGHT ADJUSTED EBITDA ADJUSTED EBITDA MARGIN 61% CONSUMER 13,5 MEUR 34,5 % INSIGHT FREE CASH FLOW CASH CONVERSION 13,3 MEUR 112,8 % Share of Net Sales by Country Q4 202
Slide 22: Overview
Overview EUR million Q4 / 2025 Q4 / 2024 2025 2024 (unless stated otherwise) Net Sales 39,1 37,8 152,7 150,4 Change (year-on-year, comparable FX) 0,9% -2,6% 0,0% -3,6% Adjusted EBITDA 13,5 11,7 52,4 52,0 Change (year-on-year, comparable FX) 12,8% -12,5% -0,5% -9,0% Adjusted EBITDA margin 34,5% 30,9%
Slide 23: Income statement
Income statement EUR million Q4 / 2025 Q4 / 2024 2025 2024 Net sales 39,1 37,8 152,7 150,4 Other operating income 0,0 0,0 0,1 0,1 Materials and services -6,9 -7,0 -28,5 -27,7 Personnel expenses -11,0 -9,5 -39,4 -38,2 Work performed by the entity and capitalised 0,8 0,5 2,4 2,8 Other operating expens
Slide 24: Cash flow
Cash flow EUR million Q4 / 2025 Q4 / 2024 2025 2024 Cash flows from operating activities Cash flows before change in working capital 13,1 10,7 45,3 46,6 Change in working capital 2,7 -1,2 1,4 0,2 Net interests and other financing items 0,0 -0,1 -6,4 -7,7 Income taxes paid -0,7 -0,7 -5,4 -6,4 Net cas
Slide 25: Net sales by quarter
Net sales by quarter Net sales, EUR million 43,4 42,9 40,7 40,5 40,0 39,7 38,9 38,5 38,6 39,1 37,3 37,3 36,8 37,8 37,7 37,3 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 25 Enento Group Plc – 13 February 2026
Slide 26: Net sales growth by quarter
Net sales growth by quarter Net sales growth at reported FX, year-on-year, % Net sales growth at comparable FX, year-on-year, % 7,1 4,4 4,8 4,9 4,1 3,1 3,3 2,6 2,3 1,1 1,0 1,3 0,9 0,5 0,1 -0,4 -1,7 -1,3 -1,7 -2,2 -2,4 -2,9 -2,6 -3,5 -3,0 -2,9 -6,5 -6,8 -6,3 -7,8 -8,6 -9,3 Q1 2022 Q2 2022 Q3 2022 Q4
Slide 27: Enento Group Plc
Enento Group Plc Elina Stråhlman CFO +358 40 564 7877 elina.strahlman@enento.com 27