Text S.a. · GPW:TXT
Text — Q4 2025/26 Earnings Presentation
38 slides from Text's earnings presentation, Apr 1, 2026
Slide 1: Q4 2025/26 - KPIs
Q4 2025/26 - KPIs Webinar will be held by Text IR Team on April 7 11:00 AM CEST - Polish 3:00 PM CEST - English
Slide 2: Disclaimer
Disclaimer: The presentation was created internally by TEXT S.A. (Company) Data contained in this presentation is valid as of the date of its preparation. Consequently, this presentation will not be subject to changes, updates, or modifications to account for events that might occur after this date.
Slide 3: KPIs
KPIs
Slide 4: MRR of All Products (M USD)
MRR OF ALL PRODUCTS (M USD) Monthly Recurring Revenues at the end of a given month 4
Slide 5: Payments Received (M USD)
PAYMENTS RECEIVED (M USD) As reported in reports on preliminary results The presented data are the estimates and preliminary as published in the respective reports. Therefore, they may ultimately differ from those shown in the periodic financial reports. Because the Company generates the vast majority
Slide 6: Growing Share of Customers with MRR >= 500 USD
GROWING SHARE OF CUSTOMERS WITH MRR => 500 USD MRR from customers with MRR below or above USD 500 MRR, USD million Customers with MRR =>500 USD responsible for over 52% of MRR at the end of March 2026, up from 48% a year earlier, showing potential in expanding existing customers and targeting bigger
Slide 7: Increasing Share of MRR from Customers with Multiple Products
INCREASING SHARE OF MRR FROM CUSTOMERS WITH MULTIPLE PRODUCTS % share of MRR Multiproduct customers are responsible for 38.8% of MRR a the end of March 2026, which is a 10 percentage points increase within a year. Shows our journey from one-product company to multi-product company with an aim to offe
Slide 8: Streaming Customer Support
STREAMING CUSTOMER SUPPORT STS - Poland’s leading sports betting brand, trusted by a massive community of bettors ● high traffic at times resulting in over 500,000 chats each year ● 82% customer satisfaction thanks to use of Text products 8
Slide 9: Product on Offense
PRODUCT ON OFFENSE text| Al resolution rate 59% is what others call impresive We call it the starting point
Slide 10: Product on Offense
PRODUCT ON OFFENSE Major updates for AI Agents ● Custom skills turning intents into actions ● Multi AI agents can be created in the same workplace 10
Slide 11: Go to Market Initiatives
GO TO MARKET INITIATIVES ● Products get market recognition ● Text becomes Meta Business Partner ● since Q1 2026 Text products available in Microsoft marketplace ● Our products AI visibility increases 11
Slide 12: Highlights, KPIs, Achievements
HIGHLIGHTS - MRR fell by 0.7% q/q to USD 6.93 mn at the end of March 2026 - Payments received increased by 3.1% q/q to USD 22.56 mn (best quarter of the financial year). KPIs - API usage exceeded 250 thous. USD in a quarter (revenues is not included in MRR) - Share of customers with ARPL =>500 USD ov
Slide 13: Perspectives for 2026/27 FY
PERSPECTIVES FOR 2026/27 FY - End of price grandfathering for existing LiveChat customers (greatest impact in Q1 2026/27) - SOC-2 Type 2 certification (currently in the observation period) Plans and - The official market rollout of the Text brand scheduled for Q1 initiatives 2026/27 - A phased and scal
Slide 14: Overview
overview
Slide 15: Key Facts
KEY FACTS B2B subscription revenue Unique customer Global SaaS business acquisition model Ca 35% of MRR generated in the model Allowing high, US, less than 2% in Poland sustainable margins. Growth story Co-founders Dividend company Consortium led by co-founders is company’s With a track record of sh
Slide 16: Vision and Mission
VISION AND MISSION for better customer service We help brands provide better customer service at scale by analyzing enriching, and automating text communication. 16
Slide 17: We help our customers to
We help our customers to: ● Monetize their business online by providing tools to convert website visitors into paying customers. ● Automate their communication through features like chatbots and canned responses, saving time and resources. ● Improve the quality of their customer service by offering
Slide 18: Monetizing
MONETIZING Wembley Stadium Earns Over $1.5M in Eight Months with ChatBot on the AI- powered Frontline ~<O, WEMBLEY @ 18
Slide 19: Monetizing
MONETIZING Ponees, lures Pioneer Millworks Increased Average Opportunity Value by 16% The company brings their customer service and sales team closer together, resulting in more closed projects and increased conversion rates. increase in the average opportunity value growth in online samples transac
Slide 20: Monetizing
MONETIZING forsalebyownerés ForSaleByOwner is Growing 100% a Year Since Installing LiveChat The company improved the quality and speed of customer service on their website, so customers can rely on it and trust it with their property transactions. 20
Slide 21: Improving Customer Experience and CSAT
IMPROVING CUSTOMER EXPERIENCE AND CSAT 21
Slide 22: Improving Customer Experience and CSAT
IMPROVING CUSTOMER EXPERIENCE AND CSAT 22
Slide 23: Automation
AUTOMATION brastel Brastel case study a Learn how Brastel set up 20 workflows and v reduced handling time per ticket by up to 39%. fi Read the story > t - + t t i t { t t t gi si t (REIL EAM NWR BR BI Fes 7 T DSS (2) oe ee Brastel team saves 8 minutes handling Brastel team saves 12 minutes handling
Slide 24: Automation and CSAT
AUTOMATION AND CSAT Funded Trading Plus Achieves 93% CSAT in 125K Yearly Chats and Reduces Workload by 18% A ©) 24
Slide 25: And We Are Doing That at Scale
AND WE DOING THAT AT SCALE 288K views per minute 2Bt weekly views 25
Slide 26: Revenues by Geographies
REVENUES BY GEOGRAPHIES English-speaking countries continue to generate roughly 50% of the revenues. Poland with 1.5% share in revenues is in TOP15 countries. 26
Slide 27: Meet 250+ A-players
Meet 250+ A-players text.com/team
Slide 28: Shareholders - Company Still Led by Founders
SHAREHOLDERS - COMPANY STILL LED BY FOUNDERS* * According to the shareholders’ notifications received by the Company, public data from the Polish pension funds’ reports 14
Slide 29: Financial Results
Financial results
Slide 30: Financial Results (PLN mn)
FINANCIAL RESULTS (PLN MN) -6.0% -29.6% -32.0% The USD/PLN exchange rate had a negative impact on revenue levels - in Q1-Q3 2025/26 in US dollars it amounted to 66.2 million USD versus 65.6 million USD a year ago, which means an increase of 1.0%. Profitability is impacted by the increased costs aimed
Slide 31: Financial Results (PLN mn)
FINANCIAL RESULTS (PLN MN) -8.2% -29.6% -31.6% Revenue generated in Q3 2025/26 in USD amounted to 22.0 million versus 21.9 million USD a year ago and on top of that the average USD/PLN exchange rate used was 8.3% weaker for this period. EBIT and net profit impacted by higher infrastructure and team c
Slide 32: Financial Results - EBITDA (PLN mn)
FINANCIAL RESULTS - EBITDA (PLN MN) -24.0% EBITDA for Q3 2025/2026 alone amounted to PLN 37.4 mln implying EBITDA margin at 45.8%
Slide 33: Future Revenues (in PLN m)
FUTURE REVENUES (IN PLN M) The annual subscriptions and longer contracts are spread evenly over the time the service is provided, creating the revenues of the future revenues. Presented as liabilities from customer contracts at the end of Q3 2025/26 they amounted to PLN 66.1 million. 33
Slide 34: Cash Position (PLN mn)
CASH POSITION (PLN MN) cash 31.12.2025 In February, the Company paid out the interim dividend in the amount of PLN 1.15 per share, which meant paying out PLN 113.3 million in form of a dividend. It is consistent with the current dividend policy. 34
Slide 35: Revenue per Product
REVENUE PER PRODUCT Revenues per product Q1-Q3 Q1-Q3 Change Q3 2024/25 Q3 2025/26 Change (PLN mn) 2024/25 2025/26 * 236 636 209 595 -11.4% 79 063 67 966 -14.0% 19 478 21 053 +8.1% 6 439 7 138 +10.9% 7 988 17 437 +118.3% 3 030 6 091 +101.0% In Q1-Q3 2025/26, LiveChat accounted for 84.1% of all Group
Slide 36: Revenue Split by Products Q3 2025/26
REVENUE SPLIT BY PRODUCTS Q3 2025/26 revenue split 7.5% 8.8% 83.3% 0.4% *LiveChat revenues includes marketplace. 36
Slide 37: Most Important Developments
MOST IMPORTANT DEVELOPMENTS - Advance payment of dividend in the amount of 1.15 PLN per share Dividend paid out in February - Type I SOC-2 certification achieved at the end of the calendar year, SOC-2 observation prior Type II certification started in January. - in January the company became a Meta
Slide 38: Disclaimer
Disclaimer: The presentation was created internally by TEXT S.A. (Company) Data contained in this presentation is valid as of the date of its preparation. Consequently, this presentation will not be subject to changes, updates, or modifications to account for events that might occur after this date.