Inretail Peru Corp. · BVL:INRETC1

Inretail Peru — Q1 2026 Earnings Presentation

17 slides from Inretail Peru's earnings presentation, May 12, 2026

  1. Slide 1: Q1'26 Earnings Presentation

    Q1’26 EARNINGS PRESENTATION

  2. Slide 2: Agenda

    AGENDA 1 Q1’26 – 2 Q1’26 – 3 OTHER CONSOLIDATED RESULTS UPDATES FINANCIAL BY RESULTS SEGMENT

  3. Slide 3: Q1'26 – Consolidated Financial Results

    Q1’26 – CONSOLIDATED FINANCIAL RESULTS 1

  4. Slide 4: Financial Summary

    FINANCIAL SUMMARY Revenues Million Soles (S/ mm) +10.2% 6,052 5,493 Highlights  Double-digit growth in revenues, with a strong growth in our Food Retail segment and a solid growth in our Pharma and Q1’25 Q1’26 Gross Shopping Malls segments, reflecting a stronger consumption Margin 27.2% 27.9% envir

  5. Slide 5: Net Income

    NET INCOME Million Soles (S/ mm) Net Income Net Income (excluding FX and Mark-to-Market)1/ -4.9% +40.8% 192 182 229 163 Net Q1’25 Q1’26 Net Q1’25 Q1’26 Margin 3.5% 3.0% Margin 3.0% 3.8% Net Income Breakdown +142 -134 192 +26 -7 -18 182 -18 Net Income Q1’25 Adj. EBITDA Net FX Effect2/ Mark to Higher

  6. Slide 6: Cash-Flow Breakdown

    CASH-FLOW BREAKDOWN Million Soles (S/ mm) 1,903 1,901 +191 -148 +170 -138 4221/ 421 1/ -104 +28 1,481 1,480 Starting Cash Operating CAPEX Financial Debt Amortization Financial Other Non- Ending Cash Balance Q1’26 Cash Flow and Financial Expenses Operating Balance Q1’26 Expenses of Activities2/ Lease

  7. Slide 7: Financial Debt and Leverage

    FINANCIAL DEBT AND LEVERAGE Million Soles (S/ mm) Leverage Evolution1/ Financial Debt Amortization Schedule Net Leverage2/ Leverage3/ Dec’25 Mar’26 39% 38% 2.6x 2.5x 2.5x 2.4x 2.4x 28% 28% 2.1x 2.1x 2.0x 1.7x 1.8x 13% 12% 12% 12% 8% 5% 3% 3% 2026 2027 2028 2029 2030 2031 onwards LTM Q1’25 LTM Q2’25

  8. Slide 8: LTM Q1'26 Financial Summary by Segment

    LTM Q1’26 FINANCIAL SUMMARY BY SEGMENT Million Soles (S/ mm) Revenues 13,405 9,185 795 23,379 % Revenues Contribution 57% 39% 3% 100% Adj. EBITDA1/ 1,231 1,574 460 3,138 % Adj. EBITDA Contribution 38% 48% 14% 100% Adj. EBITDA Margin2/ 9.2% 17.1% 76.8% 13.4% Note: Consolidated figures for InRetail in

  9. Slide 9: Q1'26 – Results by Segment

    Q1’26 – RESULTS BY SEGMENT 2

  10. Slide 10: Food Retail

    FOOD RETAIL Million Soles (S/ mm) Revenues Adj. EBITDA1/ +30.7% +13.1% 299 3,521 3,113 229 Q1’25 Q1’26 Q1’25 Q1’26 Gross Adj. EBITDA Margin 22.5% 23.4% Margin 7.3% 8.5%  Double-digit growth in revenues of 13.1%, favored by the improvement in consumption and by the Q1’26 Highlights low comparison ba

  11. Slide 11: Pharma

    PHARMA Million Soles (S/ mm) Revenues Adj. EBITDA +6.2% +12.3% 2,196 2,332 404 360 Q1’25 Q1’26 Q1’25 Q1’26 Gross Adj. EBITDA Margin 31.8% 32.6% Margin 16.4% 17.3%  Revenues increased 6.2%, driven by a strong double-digit growth in our Pharmacies1/ unit, Q1’26 Highlights compensating the decline in

  12. Slide 12: Shopping Malls

    SHOPPING MALLS Million Soles (S/ mm) Revenues +5.0% Adj. EBITDA1/ +41.8% 187 197 121 86 Q1’25 Q1’26 Q1’25 Q1’26 Gross Net Rental Margin 63.8% 69.0% Margin2/ 62.4% 79.2%  Revenues grew 5.0%, mainly explained by the increase in GLA (+28k sqm), the improvement in Q1’26 Highlights performance of our ma

  13. Slide 13: Operating Metrics

    OPERATING METRICS Food Retail1/ Pharmacies Shopping Malls N° Stores N° Stores N° Malls Cash & Carry Supermarkets Hard Discount Beauty & PC3/ Self-service Traditional Power Centers Shopping Malls 1,721 23 23 1,689 2,419 2,438 2,486 2,509 2,529 22 22 22 27 3 3 27 405 417 425 2 2 2 1,604 112 381 389 1,

  14. Slide 14: Other Updates

    OTHER UPDATES 3

  15. Slide 15: InRetail and IFS Completed the Acquisition of InFinance XP S.A.

    INRETAIL AND IFS COMPLETED THE ACQUISITION OF INFINANCE XP S.A. TRANSACTION OVERVIEW  InRetail Perú Corp. (“InRetail”) and Intercorp Financial Services InRetail IFS (“IFS”) acquired 100% of InFinance XP1/ (formerly Financiera Oh!) at a purchase price of US$130 million 50% 50%  The transaction was

  16. Slide 16: InRetail Strengthens its Ecosystem with Strategic Partnership

    INRETAIL STRENGTHENS ITS ECOSYSTEM WITH STRATEGIC PARTNERSHIP Strategic partnership to boost retail-finance ecosystem Strategic fit Embraces a proven global retail-finance model S/1.8 bn Loans Strategic partnership Combines leading retail platform of InRetail with solid S/1.5 bn consumer finance pos

  17. Slide 17: Contact Information

    Contact Information Andrea Fabbri Investor Relations Officer IR email: andrea.fabbri@inretail.pe This material was prepared solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities. This presentation may include forward-looking statemen

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