Slide 1: Investor Presentation November 2025
GFT Technologies SE Investor Presentation November 2025
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 November 2025 | 2
Slide 3: Strategic Expansion, Scalable Growth, and Leadership in Digital Transformation
GFT AT A GLANCE Strategic Expansion, Scalable Growth, and Leadership in Digital Transformation € 871m Revenue Banking 75% REVENUE BY SECTOR Insurance 15% € 78m FY 2024 +>15% Adj. EBIT Industry & Others 10% CAGR 10Y € 174m Revenue 12,000+ global team € 17m Top 3 markets (FY 2024) Adj. EBIT 2013 2024
Slide 4: Efficient Global Delivery Platform – Focus on Smartshore and Startup in India
GFT AT A GLANCE Efficient Global Delivery Platform – Focus on Smartshore and Startup in India Canada TALENTS Americas, UK & APAC 62% UK by region Switzerland Poland Germany 09/30/2025 Continental Europe 38% France Italy USA Spain Mexico India Hong Kong Costa Rica Vietnam Panama AI TRAINED NEAR- & OF
Slide 5: 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 NEW TECHNOLOGIES CORE BUSINESS EFFICIENT STANDARD SOLUTIONS Data & AI Platform Modernization Engineering & Regulatory Agentic AI Generative AI Cloud M
Slide 6: Partnering with the Best
GFT AT A GLANCE Partnering with the Best Modern Platforms Independent Software Vendors Consulting Firms Investor Presentation November 2025 | 6
Slide 7: 5-Year-Strategy
5-Year- Strategy Investor Presentation November 2025 | 7
Slide 8: Major Opportunities Ahead
GFT’S 5-YEAR STRATEGY 18 potential 2040 (CAGR, Revenue, Profit, arenas of 2022 estimate 2022-40, %) 2040 Major Opportunities tomorrow, by 2040 revenue estimate, 1 $ billion, Ahead estimate, $ billion (profit margin, %) 14,000– 280– E-commerce 4,000 20,000 1,000 (7–9) (2–5) Al software and 1,500–4,60
Slide 9: Strategic Initiatives and Contribution to KPI Ambition (1/2)
GFT’S 5-YEAR STRATEGY Strategic Initiatives and Contribution to KPI Ambition (1/2) Revenue Adj. EBIT High Smartshore Growth to Margin to Value-Added vs Onsite ~ €1.5 billion ~ 9.5% Services to to ~ 40% ~ 50% Transform from Federated to Hyper Efficient Global & Local Company High High High Mid Transf
Slide 10: Strategic Initiatives and Contribution to KPI Ambition (2/2)
GFT’S 5-YEAR STRATEGY Strategic Initiatives and Contribution to KPI Ambition (2/2) Revenue Adj. EBIT High Smartshore Growth to Margin to Value-Added vs Onsite ~ €1.5 billion ~ 9.5% Services to to ~ 40% ~ 50% Implement Global Business Development Platform: Focus on High Value-Added, ISV Offerings & D
Slide 11: High Value-Added Services, Offerings and Differentiation
Implement Global Business Development Platform: Focus on High Value-Added, ISV Offerings & Differentiation GFT’S 5-YEAR STRATEGY High Value-Added Services, Offerings and Differentiation Next Gen Core Banking AI | Data | Intelligence AI- Centric ISVs | Hyperscalers | Products AI Modernization Investo
Slide 12: AI | Data | Intelligence
GFT 5-YEAR STRATEGY - GFT UNIQUE SOLUTION | DIFFERENTIATION AI | Data | Intelligence Technological Enablers Services Offerings FACTS Accelerators 224 Clients and 1,112 Projects 2,200+ AI.DA Experts 6 AI.DA Global CoEs Cases Leader - 2025 Gartner Differentiators Investor Presentation November
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 Take a look Investor Presentation November 2025 | 13
Slide 14: 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 58 (+132%) Expansion to 8 countries 85% Time reduction to document creation with DOCUMENTER 65% Faster to fix bugs and vulnerabilit
Slide 15: Global Accounts, Tier1 & Tier2 Clients Expansion Program
Global Accounts and Tier 1 Clients Expansion Program GFT 5-YEAR STRATEGY Global Accounts, Tier1 & Tier2 Clients Expansion Program Global Delivery Platform Focus on Smartshore and Startup India Engineering Growth Global Accounts, Tier1 & Tier2 Clients Expansion Program Focus Prioritization High Value
Slide 16: Mid-Term Ambitions 2029
GFT 5-YEAR STRATEGY Mid-Term Ambitions 2029 Ambitions 2029 Continued revenue growth REVENUE e ~ € 1.5b Focus on Tier1 and Tier2 Clients and Global Accounts Organic growth leveraged by Artificial Intelligence Modernization EBIT ADJ. margin e ~ 9.5% Bolt-on acquisitions of high value-added ser
Slide 17: 5-Year-Strategy – Conclusion
5-Year-Strategy – Conclusion We are executing our 5-Year Strategy with mission-focus to be the Artificial Intelligence Digital Transformation Challenger We are engineering growth and profitability while focusing on bolt-on acquisitions of high value-added services companies in existing GFT marke
Slide 18: Latest GFT Group Results Q3/9M 2025
Latest GFT Group Results Q3/9M 2025 Investor Presentation November 2025 | 18
Slide 19: Solid 9M/2025 Results – Guidance 2025 Confirmed
Solid 9M/2025 Results – Guidance 2025 Confirmed 9M/2025 Results Guidance 2025 9M/2025 Highlights REVENUE REVENUE e Solid and profitable operating performance of all GFT units excluding UK and Software Solutions in constant €655m ~ €885m FX (FY 2025e vs FY 2024) +2% growth +2% growth ~11% revenue
Slide 20: Strong Delivery on 5-Year Strategy, with Accelerated AI Deployment and Expansion
Strong Delivery on 5-Year Strategy, with Accelerated Artificial Intelligence Deployment and Expansion Q3 2025 Highlights Highly successful Artificial Intelligence (AI) deployment and expansion led by Wynxx across 8 countries, with client number increasing 38% q-o-q (from 42 in Q2 to 58 in Q3). Tot
Slide 21: Dynamic Growth in North & Latin America Offsets Market Weakness in Europe & UK
REVENUE BY GLOBAL REGIONS BASED ON CUSTOMERS’ LOCATION Dynamic Growth in North & Latin America Offsets Market Weakness in Europe & UK Share YTD in % in % €m Slowdown in Spain (-4%), Germany (-3%) & Italy (-3%), Europe 42% 272.5 -6% ↘ Software Solutions (-16%) Brazil (+27%) and Colombia (+19%) major
Slide 22: Conclusion
Conclusion We have demonstrated resilience, achieving solid growth in 9M 2025, with key markets delivering double-digit growth such as Brazil, APAC, Colombia and USA We have been successfully deploying and expanding Artificial Intelligence into our Markets, Clients, Services and Offerings, with
Slide 23: Backup
Backup Investor Presentation November 2025 | 23
Slide 24: 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 25: GFT Steps into Major SAP Software Market – Megawork Acquisition in Brazil
M&A STRATEGY IMPLEMENTATION: MEGAWORK ACQUISITION GFT Steps into Major SAP Software Market – Megawork Acquisition in Brazil Fuels Profitable Large-Scale Growth FY 2025e Contribution GFT’s 5-Year Strategy in Full Execution Megawork * Market entry into major global ISV REVENUE e SAP market Brazil an
Slide 26: 10-Year Development
10-Year Development Revenue – 10y CAGR: +12% Adjusted EBIT – 10y CAGR: +10% 871 789 716 558 78 78 429 440 423 419 413 70 374 57 279 40 41 33 34 33 31 27 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Investor Presentation November 2025 |
Slide 27: GFT Share
GFT Share Average target price €29, upside potential: >70% Free float 64.2% 6/6 analysts with BUY recommendation November 2025 Ulrich Dietz 26.3% Stable shareholder structure SHAREHOLDER STRUCTURE Maria Dietz 9.5% Attractive dividend policy DIVIDEND PER SHARE IN € CENT 100% 50 50 45 GFT SHAR
Slide 28: Recognition for Sustainability
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 S&P CSA 51 49 2030 emissions reduction targets approved by the We drive new solutions and services to support sus
Slide 29: Solid 'Isolated GFT Group Performance' in FY 2025e
ISOLATED GFT GROUP PERFORMANCE Solid ‘Isolated GFT Group Performance’ in FY 2025e – 11% Growth and 9% Operating Margin REVENUE EBIT ADJUSTED in €m 2025 2024 Delta in €m 2025 Margin (%) 2024 Margin (%) Guidance Guidance GFT UK 82 116 -30% GFT UK -1 -1% 10 8% Software Software 20 25 -20% -3 -15% 1 4%
Slide 30: Solid Top-line Growth; Turnarounds Have Negative Impact on Earnings
9M 2025 RESULTS Solid Top-line Growth; Turnarounds Have Negative Impact on Earnings Solid revenue growth of 2%, in constant currencies growth of 5% in €m 9M/2025 9M/2024 Order backlog slightly reduced by 1%, in constant currencies growth of 3% Revenue 655.26 645.54 2% EBIT adjusted down by 16%
Slide 31: Strong Momentum in Insurance and Industry
SECTOR DEVELOPMENT AND CLIENT PORTFOLIO Strong Momentum in Insurance and Industry Strong Growth of Insurance and Well-Balanced Client Portfolio Industry & Others (+15% and +13%) Largest Client with 12% of Total Revenue 645.54 655.26 10% 11% 25% +13% 26% 15% 17% +15% 30% 9M/2025 28% 20% versus year-e
Slide 32: Improved Earnings Trend in Q3 versus Q2/2025
REVENUE AND EBIT ADJUSTED PER QUARTER Improved Earnings Trend in Q3 versus Q2/2025 Revenue in €m EBIT adjusted* in €m Q3/25 vs. -1%: Slight decrease y-o-y primarily EBIT adjusted -37% y-o-y mainly due to UK and Q3/24 (y-o-y) driven by weaker development in UK Software Solutions turnarounds and E
Slide 33: 13% Constant FX Growth in the Americas, UK & APAC Segment
REVENUE AND EARNINGS BY SEGMENT 13% Constant FX Growth in the Americas, UK & APAC Segment Revenue in €m GFT Group: EBIT adjusted* in €m GFT Group: +2% 54.02 45.54 -16% (+5% in constant FX) 25.86 21.01 -19% 29.31 -7% 27.13 Others: €0.69m Others: €0.69m Others: €-1.15m Others: €-2.60m Continental Euro
Slide 34: Dynamic Growth in North & Latin America Offsets Market Weakness in Europe & UK
REVENUE BY GLOBAL REGIONS BASED ON CUSTOMERS’ LOCATION Dynamic Growth in North & Latin America Offsets Market Weakness in Europe & UK Share YTD in % in % €m Slowdown in Spain (-4%), Germany (-3%) & Italy (-3%), Europe 42% 272.5 -6% ↘ Software Solutions (-16%) Brazil (+27%) and Colombia (+19%) major
Slide 35: Income Statement (in €m) – Significant One-off Gain in Comparative Period
INCOME STATEMENT Income Statement (in €m) – Significant One-off Gain in Comparative Period in €m 9M/2025 9M/2024 % Solid revenue growth of 2% driven by dynamic performance in Latin and North Revenue 655.26 645.54 2% America. Adverse currency effects of €-23.35m (-3%) Other operating income 10.45 2
Slide 36: Cash Flow Analysis (€m) – Increase in Working Capital
CASH FLOW ANALYSIS Cash Flow Analysis (€m) – Increase in Working Capital Net cash down to €-93.05m (12/31/2024: €-42.53m) predominantly due to 12/31/2024 9M/2025 09/30/2025 operating and financing activities Cash flow from operating activities of €2.04m (9M/2024: €22.43m) reflects adverse workin
Slide 37: Balance Sheet (€m) – Reflecting Non-operating Cash Outflows
BALANCE SHEET Balance Sheet (€m) – Reflecting Non-operating Cash Outflows Balance sheet total down by 4% to €626.28m Decline of equity by 7% with adverse currency (12/31/2024: €652.65m), essentially attributable translation effects amounting to €14.22m; to cash outflows from dividend payment to
Slide 38: Utilization Significantly Improved
WORKFORCE Utilization Significantly Improved Employees (FTE) Utilization* Attrition* Incl. Sophos Workforce slightly up by 1% compared to year-end 2024 (compared to Q3/2024: +3%) ↑ Brazil, Colombia, France, India, USA ↓ Canada, Germany, Italy, Mexico, Poland, Spain, UK Number of external con
Slide 39: GFT Completed €15m Share Buyback Program
SHARE BUYBACK GFT Completed €15m Share Buyback Program Completion on October 10, 2025 Program Results Purchased volume: €14,999,984.14 | 761,138 shares | 2.8912% of share capital | Volume weighted average purchase price: €19.7073 Duration: April 24, 2025 – October 14, 2025 Volume: up to €15m
Slide 40: Calculation of EBIT adjusted
Calculation of EBIT adjusted in €k 9M/2025 9M/2024 Revenue 655,256 645,538 EBIT adjusted 45,541 54,024 M&A effects -2,991 -6,254 Capacity adjustments -8,126 -6,868 Share-price related effects from measurement of management remuneration 454 1,033 Other extraordinary items - 9,947 EBIT 34,878 51,882 F
Slide 41: Additional Milestones for 2025
MILESTONES Additional Milestones for 2025 Results 2024 Milestones 2025 FREE CASHFLOW ADJ.* FREE CASHFLOW ADJ.* Free Cashflow adjusted reflecting normalized level of working capital for 2025 and weaker €55.6m ~ €35m profitability Ø 2022-2024: € 40.2m Net Debt reflecting share buyback program (€15
Slide 42: 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 T +49 711 62042-387 nicole.schuettforth@gft.com Save reso