Falabella S.a. · BCS:FALABELLA
Falabella — Q4 2025 Earnings Presentation
13 slides from Falabella's earnings presentation, February 2026
Slide 1: Earnings Presentation 4Q-2025
Earnings Presentation 4Q-2025 1
Slide 2: Cautionary Statement
C A U T I O N A R Y S TAT E M E N T These webcasts, presentations and transcripts contain "forward-looking statements," relating to, among other things, future operating and financial results, project performance, expenses, the impact of acquisitions and divestments, business strategy and any restru
Slide 3: Highlights 4Q25
Highlights 4Q25 3
Slide 4: Retailers maintaining momentum with online GMV growing 16% YoY
HIGHLIGHTS 4Q25 Our retailers are maintaining their momentum showing solid topline growth, with total online GMV1 growing 16% YoY Revenue Var (%, vs 4Q24) (local currency) 18.0% 19.0% 15.6% 14.4% 10.0% 8.2% 6.7% 8.2% 6.7% 10.1% 8.8% 7.6% 6.1% 2.7% -3.4% Chile Peru Colombia Online Chile Peru Online C
Slide 5: Building the leading digital bank of the Andean region
HIGHLIGHTS 4Q25 Building the leading digital bank of the Andean region1 Loan portfolio Credit card & passive account openings (#) Stock (US$ MM) Var vs 4Q24, in local currency 8% 801.915 863.137 18% Credit Card 8.353 52% 52% Passive Account 7.066 29% 19% 8% 11% 48% 48% Chile Peru Colombia Mexico 4Q2
Slide 6: Strategy enhanced profitability across five growth engines during 4Q25
HIGHLIGHTS 4Q25 Our strategy has allowed to enhance profitability across our five growth engines during 4Q25 EBITDA margin (%) 81.2% 77.1% 16.3% 12.7% 13.6% 12.3% 8.6% 9.0% 7.9% 7.8% 4Q24 4Q25 4Q24 4Q25 4Q24 4Q25 4Q24 4Q25 4Q24 4Q25 6
Slide 7: Throughout 2025, profitability improvements through our strategy
HIGHLIGHTS 4Q25 And throughout 2025, we continued to drive profitability improvements through our strategy EBITDA margin (%) 80.5% 77.0% 22.4% 16.3% 8.2% 7.3% 7.8% 6.4% 6.9% 5.2% 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 7
Slide 8: Our strategy allows us to continue improving profitability
HIGHLIGHTS 4Q25 EBITDA evolution (US$ MM) 15.1% 14.9% 15.1% 14.1% 13.2% 647 11.2% 11.6% 10.0% 10.4% 9.4% 551 519 521 8.0% 6.8% 6.7% 456 6.0% 5.2% 4.6% 358 364 322 322 327 270 247 197 140 155 200 Our strategy 1Q2022 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 allows us
Slide 9: Our operation continues to contribute to cash improvement
HIGHLIGHTS 4Q25 Our operation continues to contribute to cash improvement Evolution Cash (US$ MM) Non-banking businesses -3% 61 181 305 157 95 1.408 970 379 71 1.806 1.747 Dec-24 EBITDA Working Taxes Capex & Cash Flow Net Interest Debt Dividends Others Dec-25 (excl. Capital 4 Asset Sale - Banco IFRS
Slide 10: We continue to strengthen our financial position
HIGHLIGHTS 4Q25 Net Financial Debt / EBITDA 8.6 8.2 7.3 6.3 6.5 5.7 5.0 4.7 3.6 3.7 2.9 2.6 2.5 1.9 1.8 1.3 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Debt Maturity Profile (US$ Debt Maturity Profile (US$ MM) million) Non-banking businesses, after hedging derivat
Slide 11: Key takeaways from our CEO
HIGHLIGHTS 4Q25 Key takeaways from our CEO Our physical-digital Omnichannel We are investing with ecosystem continues strategy and purpose to accelerate to deliver resilient disciplined execution growth, innovation and growth across all keep driving long-term value businesses efficiency and value cr
Slide 12: Q&A
Q&A 12
Slide 13: Investor relations contact
E-MAIL inversionistas@falabella.cl WEBSITE investors.grupofalabella.com