Slide 1: Investor Presentation April 2026
GFT Technologies SE Investor Presentation April 2026
Slide 2: Let's Go Beyond the Hype_
Let’s Go Beyond the Hype_ We Create Impact with AI We are the Artificial Intelligence Digital Transformation Challenger Investor Presentation April 2026 | 2
Slide 3: GFT – A Global AI-Centric Digital Transformation Pioneer
GFT AT A GLANCE GFT – A Global AI-Centric Digital Transformation Pioneer GFT is a global leader in mission-critical software engineering and AI-enabled 35+ Years of Expansion transformation, with decades of delivery excellence, strong client relationships, and partnerships with hyperscalers includin
Slide 4: Scaling AI-Driven Software Engineering Growth for Financial Services
GFT AT A GLANCE Scaling AI-Driven Software Engineering Growth for Financial Services and Other Highly Regulated Sectors €888m Revenue Banking 71% €67m REVENUE BY SECTOR Insurance 17% +15% Adj. EBIT FY 2025 Industry & Others 12% CAGR 5Y €445m Revenue €33m Top 3 markets (FY 2025) Adj. EBIT 2020 2025 B
Slide 5: Efficient Global Delivery Platform – Focus on Smartshoring and Growing India
GFT AT A GLANCE Efficient Global Delivery Platform – Focus on Smartshoring and Growing India NEAR- & OFFSHORE MARKETS DELIVERY LOCATIONS Canada 20+ 7 UK Poland Germany Switzerland USA France Italy Spain Mexico India Hong Kong Costa Rica TALENTS Panama Vietnam Americas, UK & APAC 63% BY REGION Colomb
Slide 6: We create impact. The market takes note.
GFT AT A GLANCE We create Leader in IDC MarketScape Cloud-Native Core Banking Implementation Services Leader in Insurance Digital Transformation Services in 2026 SPARK Matrix impact. The market takes note. #1 globally in Digital Banking Services Emerging Specialist in Generative AI Services in the 2
Slide 7: Writing Global Success Stories
GFT AT A GLANCE Writing Global Success Stories US Tier 1 bank ▪ New lending platform built with ▪ Full cloud modernization ▪ Long-term strategic partnership ▪ Integration of Wynxx to streamline AWS and Thought Machine program across major tech planning, testing, documentation in transformations the
Slide 8: We Enable our Clients to Boost their Productivity
GFT AT A GLANCE We Enable our Clients to Boost their Productivity Artificial Intelligence is an integral part of the overall GFT offering. Innovation AI & Data Services Modernization Engineering & Regulatory Agentic AI Wynxx Platform Legacy Modernization Managed Services Digital Money, Agentic/Gen A
Slide 9: 5-Year Strategy
5-Year Strategy Investor Presentation April 2026 | 9
Slide 10: GFT AI-Centric 5-Year Strategy
GFT 5-YEAR STRATEGY GFT AI-Centric 5-Year Strategy More relevant than ever and reinforced by major AI market shifts Our Vision To be the best responsible AI-Centric digital transformation company in the world. Our Mission To bring the best responsible AI-Centric digital solutions, software developme
Slide 11: GFT AI-Centric 5-Year Strategy
GFT 5-YEAR STRATEGY GFT AI-Centric 5-Year Strategy More relevant than ever and reinforced by major AI market shifts Brand Group Wide Transform into an AI-Centric Digital Transformation Company Dimensions Design and implement next-gen technology brand & positioning Clients Organization Global account
Slide 12: The Legacy Modernization Provides Huge Market Opportunities
GFT 5-YEAR STRATEGY - MARKET OPPORTUNITY The Legacy Modernization Provides Huge Market Opportunities ▪ Modernization market expected to double from ~$25B to ~$57B AI is breaking down the barriers of change in by 2030 (~18% CAGR), outpacing traditional IT services by 3–4x legacy systems and unlocking
Slide 13: Driving Strong Growth
GFT 5-YEAR STRATEGY - GFT UNIQUE SOLUTION | DIFFERENTIATION Driving Strong Growth Generative AI product to improve productivity and accelerate the Software Development Life Cycle (SDLC) MORE ABOUT GFT WYNXX GFT Brand Hub Take a look Investor Presentation April 2026 | 13
Slide 14: Wynxx Platform Expansion
GFT 5-YEAR STRATEGY Wynxx Platform Expansion Agentic Studio and Marketplace Wynxx MARKETPLACE Wynxx AGENTIC STUDIO Wynxx Software Development Life Cycle Wynxx BUSINESS PROCESSES 2025 Developer Edition Maintenance Operations Staffing Operations HR Operations Story Creator Story Estimator Code Reviewe
Slide 15: Artificial Intelligence Modernization
GFT 5-YEAR STRATEGY - GFT UNIQUE SOLUTION | DIFFERENTIATION Artificial Intelligence Modernization Major Achievements in 2025 with Wynxx ▪ Clients increased from 25 to 92 (+>250%) ▪ Expansion to 8 countries ▪ Bradesco Insurance: proven 40% 85% Time reduction to document creation with DOCUMENTER 65% F
Slide 16: Global Accounts, Tier 1 & Tier 2 Clients Expansion Program
GFT 5-YEAR STRATEGY Global Accounts, Tier 1 & Tier 2 Clients Expansion Program Global Delivery Platform Focus on Smartshore and Startup India Engineering Growth Global Accounts, Tier 1 & Tier 2 Clients Expansion Program Focus Prioritization High Value-Added Services, Industrialize Offerings Offering
Slide 17: Latest GFT Group Results & Outlook 2026
Latest GFT Group Results & Outlook 2026 FY 2025 Investor Presentation April 2026 | 17
Slide 18: Guidance Slightly Exceeded and Profitability Improved in Second Half
LATEST GROUP RESULTS Guidance Slightly Exceeded and Profitability Improved in Second Half 2025 Guidance 2025 Results Highlights 2025 vs. 2024 REVENUE e REVENUE ▪ Profitability improved in H2/2025 ~ €885m €888m ▪ Adj. EBIT margin improved from 7.0% in 9M/2025 to 7.6% for the full year 2025 2% growth
Slide 19: Dynamic Growth in North & Latin America Offsets Market Weakness
REVENUE BY GLOBAL REGIONS BASED ON CUSTOMERS’ LOCATION Dynamic Growth in North & Latin America Offsets Market Weakness in Europe & UK Share in YTD in ∆% % €m Spain (-1%) with strong improvement in Europe 42% 370.1 -4% ↘ Q4/2025, Germany (-3%) & Italy (-4%) Brazil (+28%) and Colombia (+19%) major gro
Slide 20: Outlook 2026: Strong Improvement in EBT Margin and Growth in Revenue
OUTLOOK 2026 Outlook 2026: Strong Improvement in EBT Margin and Growth in Revenue with Continued AI-Centric Expansion FY 2025 Results FY 2026 Guidance REVENUE REVENUE e ▪ Strong improvement in EBT margin €888m ~ €930m ▪ Growth in revenue driven by AI-Native engineering services combined with assets,
Slide 21: Additional Performance Indicators – Milestones for 2026
MILESTONES Additional Performance Indicators – Milestones for 2026 Results 2025 Milestones 2026 FREE CASHFLOW ADJ.* FREE CASHFLOW ADJ.* ▪ Expected Free Cashflow adjusted €28.0m ~ €40m reflecting slight reduction of working capital and increase of profitability Ø 2023-2025: € 36.1m NET DEBT / EBITDA*
Slide 22: Mid-Term Ambitions 2029 Confirmed
OUTLOOK Mid-Term Ambitions 2029 Confirmed Ambitions 2029* Continued revenue growth REVENUE e ~ €1.5b ▪ Focus on Global Accounts, Tier 1 and Tier 2 clients and cross-selling of high-value added offerings ▪ Organic growth accelerated by AI Legacy Modernization programs and AI-Native engineering EBIT A
Slide 23: Your IR Team
Your IR Team Andreas Herzog Head of Investor Relations & CSR Compliance T +49 711 62042-323 andreas.herzog@gft.com Maren Dallas Investor Relations Manager T +49 711 62042-350 maren.dallas@gft.com Nicole Schüttforth Director Investor Relations Connect with GFT Investor Relations on LinkedIn T +49 711
Slide 24: Backup
Backup Investor Presentation April 2026 | 24
Slide 25: Solid 'Isolated GFT Group Performance' in FY 2025
2025 FINANCIALS Solid ‘Isolated GFT Group Performance’ in FY 2025 – 12% Growth and 9% Operating Margin REVENUE EBIT ADJUSTED in €m 2025 2024 Delta in €m 2025 Margin 2024 Margin GFT UK 80 116 -31% GFT UK -2 -2% 10 9% Software Software 20 24 -17% -2 -10% 1 4% Solutions Solutions FX Group -29 0 - FX Gr
Slide 26: Strong Execution on AI-Centric 5-Year Strategy
2025 HIGHLIGHTS Strong Execution on AI-Centric 5-Year Strategy Creating Impact and Tangible Results with AI and Leading on an AI-Native Era Q4 Highlights ▪ Successful scaling up of Wynxx AI Agentic platform reaching 8 countries, 92 clients (>250% growth in the year) and total influenced contract val
Slide 27: Sustained Growth Momentum: Revenue +5% in Constant FX
2025 FINANCIALS Sustained Growth Momentum: Revenue +5% in Constant FX in €m 2025 2024 ∆ ▪ Solid revenue growth of 2%, in constant currencies +5% ▪ Order backlog: -2%, in constant currencies +1% Revenue 888.29 870.92 2% ▪ EBIT adjusted -14% mainly due to strategic realignment in UK and Order backlog
Slide 28: Driving Scalable Growth in Insurance and Industry
2025 FINANCIALS Driving Scalable Growth in Insurance and Industry Strong Growth of Insurance and Well-Balanced Client Portfolio Industry & Others (+15% and +14%) Largest Client with 11% of Total Revenue 2025 versus year-end 2024 % GROUP REVENUE % revenue Growth rate % revenue 2024 2025 Banking Insur
Slide 29: Adjusted EBIT margin improved from 7.2% in Q3 to 9.4% in Q4
2025 FINANCIALS Adjusted EBIT margin improved from 7.2% in Q3 to 9.4% in Q4 Revenue in €m EBIT adjusted* in €m +3% y-o-y -9% y-o-y Q4/25 vs. ▪ Solid revenue growth y-o-y of 3% (7% in constant ▪ EBIT adjusted -9% in Q4/25 y-o-y mainly due to UK realignment; Q4/24 FX) mainly driven by Brazil, Spain an
Slide 30: 12% Constant FX Growth in the Americas, UK & APAC Segment
2025 FINANCIALS 12% Constant FX Growth in the Americas, UK & APAC Segment Revenue in €m EBIT adjusted* in €m Continental Europe +2% y-o-y -14% y-o-y Americas, UK & APAC Others: Others: Others: Others: €0.91m €0.97m €-4.13m €-9.03m ▪ Continental Europe -3% due to macro head-winds, particularly ▪ Stab
Slide 31: Income Statement (€m) – Earnings Impacted by One-off Effects
2025 FINANCIALS Income Statement (€m) – Earnings Impacted by Significant One-off Effects in €m 2025 2024 ∆% ▪ Solid revenue growth of 2% primarily driven by cross-sector growth in Brazil. Revenue 888.29 870.92 2% Adverse currency impact of €-28.92m (-3%) Other operating income 14.70 28.35 -48% ▪ Oth
Slide 32: Cash Flow Statement (€m)
2025 FINANCIALS Cash Flow Statement (€m) – Marked by Financing Activities and Increase in Working Capital ▪ Net cash down to €-55.19m (12/31/2024: €-42.53m) predominantly due to 12/31/2024 2025 12/31/2025 operating and financing activities ▪ Cash flow from operating activities of €43.27m (2024: €72.
Slide 33: Balance Sheet (€m) – Solid Structure
2025 FINANCIALS Balance Sheet (€m) – Solid Structure ▪ Balance sheet total slightly down by 2% to ▪ Equity down by -3%; currency-adjusted up by €639.80m (12/31/2024: €652.65m), mainly 2%. Net income of €32.89m (2024: €46.48m) attributed to decline of cash offset by acquisition of treasury shares of
Slide 34: Utilization Significantly Improved
2025 FINANCIALS Utilization Significantly Improved Employees (FTE) Utilization* Attrition* Incl. Sophos ▪ Workforce +2% compared to year-end 2024 ▪ Utilization rate increased by 1 pp to 92.6% in ▪ Attrition significantly up y-o-y (+1.5pp), ↑ Brazil, Colombia, France, India, USA Q4/25 vs. Q4/24 suppo
Slide 35: Calculation of EBIT adjusted
Calculation of EBIT adjusted in €k 2025 2024 Revenue 888,286 870,920 EBIT adjusted 67,441 78,048 M&A effects -5,191 -7,917 Capacity adjustments -13,238 -10,364 Share-price related effects from measurement of management remuneration 406 1,469 Other extraordinary items - 9,753 EBIT 49,418 70,989 Finan
Slide 36: GFT Share
GFT Share ▪ Average target price €29, upside potential: >50% ▪ 7/7 analysts with BUY recommendation Free float 64.2% April 2026 Ulrich Dietz 26.3% ▪ Stable shareholder structure SHAREHOLDER STRUCTURE Maria Dietz 9.5% ▪ Attractive dividend policy – Proposal for FY 2025: €0.50 DIVIDEND PER SHARE IN €
Slide 37: Our Commitment To Responsible AI
Our Commitment To ResponsibleAI Our Commitment Ethics of Artificial Intelligence To Responsible AI GFT among first to sign EU AI PACT At GFT “Responsible AI” is an integral part of our AI based business operations. We do not consider legal and ethical standards in AI as barriers but as requirements
Slide 38: Our Goals
Recognition for Sustainability Measurable Recognitions ESG Performance & Commitments CDP B B Our Goals 2019 signed UN Global Compact ISS ESG (Prime Status) C+ C+ Sustainability by Design MSCI BB A 2030 emissions reduction targets approved by the We drive new solutions and services to support sustain
Slide 39: 35+ Years of Strategic Expansion
35+ Years of Strategic Expansion ▪ 1987 founded by GLOBALIZATION Ulrich Dietz ▪ 1997 Switzerland Italy Canada, Costa Rica Hong Kong Vietnam Chile ▪ 2001 Spain and UK and Poland Singapore Colombia India ▪ 2005 Brazil Panama ▪ 2008 USA 2017 INDUSTRY 2013 INSURANCE 2002 BANKING TECHNOLOGY 1987 2010 11
Slide 40: GFT AI-Centric Journey Started in 2023
GFT AI-Centric Journey Started in 2023 Expansion of Wynxx Agentic AI Platform Jan 2026 Wynxx Strong Global Acceleration Bradesco Insurance Market Announcement Public Reference GFT AI-Centric 5Y Strategy Jul 2025 GenAI and GFT AI Impact Kick-off Strategic Oct 2025 product experimentation Initiative t
Slide 41: 10-Year Development
10-Year Development Revenue – 10Y CAGR: +9% Adjusted EBIT – 10Y CAGR: +5% 888 871 789 716 558 78 78 429 440 423 419 413 70 67 374 57 40 41 33 34 33 27 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Investor Presentation April 2026 | 41