Slide 1: Enento Group Plc Half-year report 1.1.2026-30.6.2026
Enento Group Plc Half-year report 1.1.2026-30.6.2026 Teppo Paavola, CEO Elina Stråhlman, CFO 17 July 2026 Building trust in the everyday.
Slide 2: Highlights Q2 2026
2 Highlights Q2 2026 Swedish consumer credit Adjusted EBITDA Strategic focus continued to grow and improved significantly, sharpened - Emaileri demand overall has guidance specified divestment completed stabilised Change negotiations Compliance capabilities New Country Director, completed with appro
Slide 3: Key figures Q2 2026
3 Key figures Q2 2026 Net sales Adjusted EBITDA Adjusted EBITDA margin 39,9 MEUR 14,6 MEUR 36,5 % +2,6%* +11,2% +2,8 pp-% Free cash flow Cash conversion 8,7 MEUR 133,4 % +31,7% +67,0 pp-% Change at comparable foreign exchange rates *2,9% excluding Emaileri Building trust in the everyday.
Slide 4: We continue to build our Winning Organization
4 We continue to build our Winning Organization • Alexandra Åquist appointed Country Director, Sweden, starting at the beginning of 2027 at the latest • Interim Country Director Carl Brynielsson will continue as Country Director, Norway & Denmark • Change negotiations completed in May • We will cont
Slide 5: Key changes in our new operating model
5 Key changes in our new operating model An end-to-end model built for speed, clear ownership and future scale New sales model Service development process • Building future growth • Development teams being allocated to main products, product • Sales teams established focusing on new customer acquisi
Slide 6: Focusing on the core business & growth
6 Focusing on the core business & growth • Emaileri email marketing business exited from sales & marketing product portfolio in Finland in April 2026 • Eivora, offering Swedish ownership data, acquired in June to strengthen compliance capabilities in Sweden Founded 2004 Building trust in the everyda
Slide 7: Update on key regulatory developments
7 Update on key regulatory developments We see both risks and opportunities related to changes in the regulatory environment affecting Enento. Sweden broker legislation Upcoming Consumer Credit Directive 2 – • Banking license requirement for companies legislation (CCD2) providing consumer credit and
Slide 8: Business segments update
8 Business segments update Building trust in the everyday.
Slide 9: Finland: Moderate growth despite the weak market environment
9 Finland: Moderate growth Highlights Q2 2026 despite the weak market environment → Excluding Emaileri’s effect on comparison figures, Finland’s underlying growth was 2,4% and remained stable compared with Q1. Net sales → Business credit performed well due to good demand +1,7% 18,9 MEUR for financia
Slide 10: Sweden: Good growth and significant profitability improvement continued
10 Sweden: Good growth and Highlights Q2 2026 significant profitability improvement continued → Growth driven by strong performance in consumer information, supported by higher consumer credit volumes. → Real estate services developed well supported by a Net sales larger batch sale and increased vol
Slide 11: Norway and Denmark: Growth slowed down compared to Q1, profitability strong
11 Norway and Denmark: Highlights Q2 2026 Growth slowed down compared to Q1, → Growth came primarily from visibility and data-driven profitability strong premium services for SMEs in Norway. → Display advertising sales developed weaker. Net sales → The acceleration of digital sales is in progress an
Slide 12: CFO highlights
12 CFO highlights Building trust in the everyday.
Slide 13: Net sales by segment
13 Net sales by segment Net sales, quarter (M€) Business information Consumer information % change, comparable FX rates Finland Sweden Norway & Denmark +1,7% +3,6% 18,6 17,8 18,9 18,1 18,6 18,1 18,1 18,1 17,4 16,9 +2,5% 2,7 2,7 2,8 2,9 2,9 Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Q2/25 Q3/25 Q4/25 Q1/26 Q2/26
Slide 14: Adjusted EBITDA improved significantly
14 Adjusted EBITDA improved significantly 0,1 14,6 0,7 0,0 Comments 0,1 -0,4 → Adjusted EBITDA improved by 11,2% at 1,0 -0,0 comparable exchange rates and by 11,9% at reported exchange rates. → Adjusted EBITDA margin was 36,5% and increased by 2,8 pp at comparable exchange rates and 2,8 pp by report
Slide 15: Strong free cash flow and cash conversion
15 Strong free cash flow and cash conversion. Free cash flow, LTM (M€) Free cash flow, Quarter (M€) Cash conversion, Quarter (%) Comments 40.3 38.2 Free cash flow increased by EUR 2,1 36.9 36.4 → 34.0 million to EUR 8,7 million from 33.4 33.5 33.9 33.5 32.5 32.0 Q2/2025. 31.3 30.7 30.9 31.4 13.3 28.
Slide 16: Key indicators
16 Key indicators EUR million Q2 2026 Q2 2025 YTD 2026 YTD 2025 FY 2025 Comments (unless stated otherwise) Adjusted EPS, EUR 0,35 0,30 0,66 0,54 1,14 → Cash position at EUR 17,5 million end of Q2 2026 (committed EUR 30 million facility fully unutilized). Net debt 136,5 145,6 136,5 145,6 143,3 → Net
Slide 17: Looking ahead
17 Looking ahead Building trust in the everyday.
Slide 18: Future outlook and guidance 2026 updated
18 Outlook updated Macroeconomic and geopolitical uncertainties remain. Regulatory changes in the Swedish lending market continue to influence the operating environment, however, the impact on Enento is expected to be modest. In Finland, the macroeconomic outlook is more subdued but demand for Enent
Slide 19: Thank you
19 Thank you Time for Q&A Building trust in the everyday.
Slide 20: Financials Q2 2026 Summary
20 Financials Q2 2026 Summary Building trust in the everyday.
Slide 21: Overview
21 Overview EUR million Q2 2026 Q2 2025 YTD 2026 YTD 2025 FY 2025 (unless stated otherwise) Net Sales 39,9 38,6 79,5 76,3 152,7 Change (year-on-year, comparable 2,6% -1,7% 2,6% -0,4% 0,0% FX) Adjusted EBITDA 14,6 13,0 28,1 25,5 52,4 Change (year-on-year, comparable 11,2% -9,4% 8,9% -4,9% -0,5% FX) A
Slide 22: Income statement
22 Income statement EUR million Q2 2026 Q2 2025 YTD 2026 YTD 2025 FY 2025 Net sales 39,9 38,6 79,5 76,3 152,7 Other operating income 0,0 0,0 0,0 0,1 0,1 Materials and services -7,3 -7,4 -14,1 -14,3 -28,5 Personnel expenses -12,3 -9,9 -23,6 -20,1 -39,4 Work performed by the entity and capitalised 0,6
Slide 23: Cash flow
23 Cash flow EUR million Q2 2026 Q2 2025 YTD 2026 YTD 2025 FY 2025 Cash flows from operating activities Cash flows before change in working capital 13,1 10,1 26,0 19,4 45,3 Change in working capital -1,4 0,0 -0,7 2,2 1,4 Net interests and other financing items 0,0 0,0 -2,6 -3,5 -6,4 Income taxes pai
Slide 24: Net sales by quarter
24 Net sales by quarter Net sales, EUR million 43,4 42,9 40,7 40,5 40,0 39,7 39,6 39,9 38,9 38,5 38,6 39,1 37,3 37,3 36,8 37,8 37,7 37,3 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q2/24 Q3/24 Q4/24 Q1/25 Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Building trust in the everyday.
Slide 25: Net sales growth by quarter
25 Net sales growth by quarter Net sales growth at reported FX, year-on-year, % Net sales growth at comparable FX, year-on-year, % 7,1 4,8 4,9 5,1 4,4 4,1 3,3 3,1 3,3 2,6 2,3 2,6 2,6 1,1 1,0 1,3 0,9 0,5 0,1 -0,4 -1,7 -1,3 -1,7 -2,2 -3,5 -3,0 -2,9 -2,4 -2,9 -2,6 -6,5-6,8 -6,3 -7,8 -8,6 -9,3 Q1/22 Q2/
Slide 26: Enento Group Plc
26 Enento Group Plc Virva Vesanen Head of Investor Relations, Strategy & Comms +358 40 828 6285 virva.vesanen@enento.com Building trust in the everyday.