Text S.a. · GPW:TXT
Text — Investor Presentation (December 2025)
38 slides from Text's investor presentation, December 2025
Slide 1: Investor Presentation
Investor Presentation December 2025
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: 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 4: Monetizing: Wembley Stadium earns over $1.5M with ChatBot
MONETIZING Wembley Stadium Earns Over $1.5M in Eight Months with ChatBot on the AI- powered Frontline ~<O, WEMBLEY @
Slide 5: Monetizing: Pioneer Millworks increased average opportunity value by 16%
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 6: Monetizing: ForSaleByOwner growing 100% a year
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.
Slide 7: Improving customer experience and CSAT
IMPROVING CUSTOMER EXPERIENCE AND CSAT 7
Slide 8: Improving customer experience and CSAT
IMPROVING CUSTOMER EXPERIENCE AND CSAT 8
Slide 9: Automation: Brastel case study
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 10: Funded Trading Plus achieves 93% CSAT
AUTOMATION AND CSAT Funded Trading Plus Achieves 93% CSAT in 125K Yearly Chats and Reduces Workload by 18% A ©) 10
Slide 11: And we are doing that at scale
AND WE DOING THAT AT SCALE 288K views per minute 2Bt weekly views 11
Slide 12: Challenges
CHALLENGES ● Changes in customer acquisition - AI Search and new Google algorithms limit website traffic, which affects us and our potential customers. ● Higher customer churn (4% per month vs historically around 3%) - "I'm closing the business" with the new number 1. churn reason vs historical "no
Slide 13: MRR (mn USD)
Higher customer churn and problem with customer acquisition translated into a large decline in the number of customers, offset by strong revenue retention and the replacement of smaller customers with larger ones… MRR (mn USD) 13
Slide 14: 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 Customers with MRR =>500 USD responsible for almost 50% of MRR at the end of June 2025, up from 42% a year earlier, showing potential in expanding existing customers and targeting bigger customers 14
Slide 15: 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 36.3% of MRR a the end of September 2025, which is a 11 percentage points increase within a year. Shows our journey from one-product company to multi-product company with an aim to
Slide 16: Q1 2025/26 FY (mn PLN)
…However, the strong PLN and higher costs of cloud infrastructure, AI use, as well as the expansion of the team resulted in a significant decline in margins in the last quarter (operating margin was 36.6% and net margin was 34.6%). Q1 2025/26 FY (mn PLN) 16
Slide 17: Opportunities
OPPORTUNITIES ● The development of AI will allow us to create greater end value for customers and to fully automate theirs communication. ● New product (Text App) and new TAM (customer support market, instead of just live chat market) ● New “pay per value” pricing ● Enablers for enterprise deals in
Slide 18: Strategy
STRATEGY ● Transition from multiproduct company into a suite company. ● Brand new product “Text App” (working name) ● New cloud offers new potential in the areas of quality, functionality, enterprise class features and safety. ● Sales team going offline (until 2025, we conducted almost exclusively o
Slide 19: From LiveChat software to Text: transition story
FROM LIVECHAT SOFTWARE TO TEXT: TRANSITION STORY 19
Slide 20: From LiveChat to Text App
FROM LIVECHAT TO TEXT APP 20
Slide 21: Text App
Text App: ● Combines key functionalities across all our products into a cohesive experience. ● Introduces key capabilities for enterprise-class customers. ● AI Agents at its core experience. ● New pricing based on the principle of "pay per value" (instead of “pay per agent”), introducing payments "p
Slide 22: Overview
overview
Slide 23: Key facts
KEY FACTS B2B subscription revenue Unique customer Global SaaS business acquisition model Ca 30% 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 24: 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. 24
Slide 25: Revenues by geographies
REVENUES BY GEOGRAPHIES English-speaking countries continue to generate slightly below 50% of the revenues. Poland with 1.4% share in revenues is in TOP15 countries. 25
Slide 26: Meet 250+ A-players
Meet 250+ A-players text.com/team
Slide 27: Company's structure
COMPANY’S STRUCTURE All key persons associated with the company for many years 27
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 28
Slide 29: Dividend policy
DIVIDEND POLICY Dividend paid (PLN mn) Dividend per share (PLN) The Management Board of the Company will recommend to the General Meeting allocation of the highest possible (for legal reasons) part of the profit for a given financial year in the form of a dividend unless there are investment opportu
Slide 30: Appendixes
Slide 31: Revenue per product
REVENUE PER PRODUCT Revenues per product H1 2024/25 H1 2025/26 Change Q2 2024/25 Q2 2025/26 Change (PLN mn) * 157 573 141 629 -10.1% 80 802 69 437 -14.1% 13 039 13 915 +6.7% 5 991 7 108 +18.6% ** 5 640 12 066 +113.9% 2 619 6 267 +139.3% In H1 2025/26, LiveChat accounted for 84.5% of all Group revenu
Slide 32: Revenue split by products
REVENUE SPLIT BY PRODUCTS Q2 2025/26 revenue split 7.1% 8.6% 83.8% 0.4% *LiveChat revenues includes marketplace. 32
Slide 33: MRR of all products (M USD)
MRR OF ALL PRODUCTS (M USD) Monthly Recurring Revenues at the end of a given month 33
Slide 34: 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 35: 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 36.3% of MRR a the end of September 2025, which is a 11 percentage points increase within a year. Shows our journey from one-product company to multi-product company with an aim to
Slide 36: Dictionary
DICTIONARY Software as a Service, is a business model where a software is licensed on a subscription SAAS basis and it is stored in the cloud. Monthly Recurring Revenues, it is a measure of predictable total revenue generated from all MRR active and paying subscriptions in a particular month. It inc
Slide 37: Investor Relations
INVESTOR RELATIONS ir@text.com FIND OUT MORE: investor.text.com OR CHAT WITH US when we are not at the meetings 37
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.