Slide 1: Investor Presentation
Investor Presentation Meeting in Polish: 11 AM CET Meeting in English: 3 PM CET, 2 PM London, 9 AM NY October 2025
Slide 2: Investor Presentation Q2 2025/2026 KPIs
Investor Presentation Q2 2025/2026 KPIs October 2025
Slide 3: 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 4: KPIs
KPIs
Slide 5: Q2 Highlights
Q2 HIGHLIGHTS - Context event and official launch of Text App (Sep 30) Initiatives - First paid customer of Text App (September). - Text App supporting 700+ organizations. - MRR grew by 0.3% y/y to USD 7.06 mn (-1.5% q/q) - Payments received decreased by 1.5% y/y and increased by 1.9% Q4 q/q to a USD
Slide 6: MRR of All Products (M USD)
MRR OF ALL PRODUCTS (M USD) Monthly Recurring Revenues at the end of a given month 6
Slide 7: 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 8: 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 50% of MRR at the end of September 2025, up from 42% a year earlier, showing potential in expanding existing customers and targeting bi
Slide 9: 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 10: Explained
Explained
Slide 11: Text App Explained
TEXT APP EXPLAINED 2024/ 2025 Infrastructure changes migration completed in June First users June 2025 selected users providing feedback Soft launch August 2025 Trials for future customers and new pricing published Context 2025 event for current end of September 2025 customers Active marketing Q4 20
Slide 12: Text App Explained - Paid Customers
TEXT APP EXPLAINED 2024/ 2025 Features migration completed in June June 2025 First users selected power users providing feedback August 2025 Soft launch Trials for future customers and new pricing published end of September 2025 Context 2025 event for current customers Active marketing Q4 2025 TBC P
Slide 13: Text App Explained - Key Features
TEXT APP EXPLAINED - Key features AI Agents as a core experience, with AI Copilot and productivity tools Key LiveChat, HelpDesk and ChatBot features Workflows - using OpenAI, Slack, MailChimp and other integrations Outbound Campaigns MCP Servers enabling connection with external AI tools using secur
Slide 14: New Approach to Pricing
NEW APPROACH TO PRICING Pay per agent model replaced by hybrid model New model introduced mix of value-based, outcome-based and user-based pricing First iteration which will be adjusted to fit customer expectations and new market standards. Essential → for small teams. Growth → for larger teams. It'
Slide 15: New Approach to Pricing
NEW APPROACH TO PRICING LiveChat Text App per-agent, per-month model, more complex, based on a per-user model, with discounts for annual billing with additional charges for AI usage starting at 24 USD per month starting at 25 USD per month (20 USD if billed annually) (19 USD if billed annually) AI f
Slide 16: Financial Results
financial results
Slide 17: Financial Results (PLN Mn)
FINANCIAL RESULTS (PLN MN) -2.4% -24.9% -29.0% The USD/PLN exchange rate had a negative impact on revenue levels in Q1 (revenues in USD increased by 2.7% to USD 22.2 million). At the same time, there was an increase in costs driven by infrastructure (the decline in legacy infrastructure costs was of
Slide 18: Financial Results - EBITDA (PLN Mn)
FINANCIAL RESULTS - EBITDA (PLN MN) -20.9% EBITDA fell by 20.9% to PLN 41.6 mn reaching a margin of 49.1%.
Slide 19: Future Revenues (in PLN Mn)
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 Q1 2025/26 they amounted to PLN 70.4 million. 19
Slide 20: Cash Position (PLN Mn)
CASH POSITION (PLN MN) cash 30.06.2025 In Q1, we recorded a relatively low level of operating cash flow, which is due to the low level of annual payments during this period. We already saw an improvement in Q2, with July being the best month in 12 months. 20
Slide 21: Revenue per Product
REVENUE PER PRODUCT Revenues per product 2023/24 2024/25 Change Q1 2024/25 Q1 2025/26 Change (PLN mn) * 305.368 314.323 +2.9% 76.771 72.192 -6.0% 21.912 26.160 +19.4% 7.049 6.607 -6.3% ** 8.069 13.695 +69.7% 3.020 5.799 +92.0% In Q1 2025/26, LiveChat accounted for 85.1% of all Group revenues (vs 91.
Slide 22: Revenue Split by Products Q1 2025/26
REVENUE SPLIT BY PRODUCTS Q1 2025/26 revenue split 6.8% 7.8% 85.1% 0.3% *LiveChat revenues includes marketplace. 22
Slide 23: Dividend Policy
DIVIDEND POLICY Dividend paid (PLN mn) Dividend per share (PLN) AGM decided on a dividend payment of PLN 6.06 per share (taking into account previous interim dividend payments). The last part of dividend on the amount of PLN 2.59 per share will be paid out on September 25. 23
Slide 24: Highlights
HIGHLIGHTS - Revenue in USD: 22.2 million USD (+2.7% y/y) - Revenue in PLN: 84.8 million PLN (-2.3% y/y) - Net profit: 31.0 million PLN (-29.0% y/y) Finances - Operating profit: 35.2 million PLN (-24.9% y/y) - EBITDA: 41.6 million PLN (-20.9% y/y) - Text App made available to selected existing custo
Slide 25: Overview
overview
Slide 26: 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 27: For Better Customer Service
VISION AND MISSION for better customer service We help brands provide better customer service at scale by analyzing enriching, and automating text communication. 27
Slide 28: Revenues by Geographies
REVENUES BY GEOGRAPHIES English-speaking countries continue to generate roughly 50% of the revenues. Poland with 1.4% share in revenues is in TOP15 countries. 28
Slide 29: Meet 250+ A-players
Meet 250+ A-players text.com/team
Slide 30: Company's Structure
COMPANY’S STRUCTURE All key persons associated with the company for many years 30
Slide 31: 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 32: 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.