FINEOS Corporation Holdings Plc · ASX:FCL

FINEOS — Investor Presentation (March 2026)

19 slides from FINEOS's investor presentation, Mar 25, 2026

  1. Slide 1: FINEOS Platform Update

    For personal use only FINEOS Platform Update 25 March 2026 © FINEOS Corporation Ltd 1

  2. Slide 2: Presenting today

    Presenting today … For personal use only Michael Kelly Ian Lynagh Eoin Kirwan Chief Executive Officer Chief Financial Officer Chief Product Officer © FINEOS Corporation Ltd 2

  3. Slide 3: Agenda

    Agenda For personal use only Introduction & Strategy Update Financial update Demonstration with a focus on embedded AI Q&A © FINEOS Corporation Ltd 3

  4. Slide 4: Introduction

    For personal use only Introduction © FINEOS Corporation Ltd 4

  5. Slide 5: FINEOS growth since IPO in 2019

    FINEOS growth since IPO in 2019 Global Revenues €’m A$2.50 North American Revenues ONLY €’m Growth x1.9 138.4 Share Price Growth x2.9 For personal use only 133.2 121.2 123.3 124.7 IPO 111.0 99.9 105.7 Growth x3.3 94.0 96.9 96.3 73.8 Growth x5.2 66.8 65.6 69.9 75.6 58.5 61.5 47.5 38.8 50.7 55.4 33.1

  6. Slide 6: Technology Ireland: Technology Innovation of the Year Award

    Technology Ireland: Technology Innovation of the Year Award Awarded for FINEOS Embedded AI For personal use only FINEOS was awarded the 2025 Technology Ireland Industry Award for Technology Innovation of the Year for FINEOS Embedded AI. This recognition was for embedding secure, transparent, and exp

  7. Slide 7: Financial Update

    For personal use only Financial Update © FINEOS Corporation Ltd 7

  8. Slide 8: Reiterating Outlook & Guidance for beyond FY26

    Reiterating Outlook & Guidance1 for beyond FY26 For personal use only FY27 FY29 Subscription Fees 65% 75% as a percentage of revenues R&D investment 30% 25% as a percentage of revenues Gross margins 75% 80% EBITDA margins 25% 40% ©©FINEOS FINEOSCorporation CorporationLtd. Ltd 1. Guidance should be r

  9. Slide 9: Increasing share of revenue derived from subscriptions

    Increasing share of revenue derived from subscriptions Subscription Fees trajectory • Guidance strategy remains consistent Prioritise growth in Subscription Fees ahead of Services Fees to strengthen the Revenues €m predictability and scalability of recurring For personal use only revenue; Service fe

  10. Slide 10: Sources of Subscription Fees growth

    Sources of Subscription Fees growth Strong sales pipeline to support deal flow hierarchy Up-Sell: Expand usage of core products For personal use only • Scaling – New business & legacy system replacements Up-Sell • Add-Ons • On-premises to Cloud Existing Clients • New insurance products or paid leave

  11. Slide 11: FINEOS up-sell & cross-sell patterns

    FINEOS up-sell & cross-sell patterns Up-Sell ~ 0.5x to 2x For personal use only New LoBs & Add-Ons ~ 0.5x to 2x Scale existing LoBs Upgrade to Cloud ~ 2x to 3x Existing Subscriptions Fees > ~0.5x Cross-Sell Q&U > ~ 1x Billing > ~1.25x Policy ~ 1x to 2x Absence Claims timeline © FINEOS Corporation Lt

  12. Slide 12: Margin & Cash Generation Growth

    Margin & Cash Generation Growth Scale multipliers, location optimisation, and accelerating AI-driven automation will expand margins ​ Total Revenue vs Total Costs €m For personal use only Cash generative trajectory 149.9 • Gross Margin performance remains strong 143.4 141.5 139.3 136.2 FY27 target i

  13. Slide 13: Product Update

    For personal use only Product Update including Demo and the power of embedded AI © FINEOS Corporation Ltd 13

  14. Slide 14: Momentum – Growing Business Volumes

    Momentum – Growing Business Volumes GROWING CASE LOAD GROWING PAYMENTS VOLUME For personal use only Annual ‘Life Event’ Cases (Index: 2020 = 100) Annual Payment Volume (Index: 2020 = 100) 10x ANNUAL ‘LIFE EVENT’ CASES 2.5M+ PROJECTED FOR 2026 2x+ ANNUAL PAYMENT VOLUME US$40B+ CUMULATIVE FROM 2020-20

  15. Slide 15: Scaling Workload, Shrinking Cost

    Scaling Workload, Shrinking Cost Focus on enhancing platform efficiency improvements Infrastructure costs / system workload For personal use only • Leaner infrastructure  Dynamic scaling / serverless architecture  Hybrid tenancy models / greater usage of AWS-managed services  More cost-effective

  16. Slide 16: The true value of the FINEOS Platform is more than code

    The true value of the FINEOS Platform is more than code For personal use only Risk absorbed • Proven at scale across mission-critical insurance workflows • Accurate. Compliant. Audit defensible. A process model that works • Encoding decades of industry practice • (Edge cases aren’t rare, they’re the

  17. Slide 17: AI Advances our Product Mission

    AI Advances our Product Mission For personal use only AI changes how humans / systems interact • Interfaces and orchestration layers are being disrupted. • Processes are being accelerated. FINEOS product opportunity:- • FINEOS AI Assistants and AI Agents • Embedded in real process moments. Grounded

  18. Slide 18: FINEOS Embedded AI Capabilities

    FINEOS Embedded AI Capabilities For personal use only Assess & summarise content & purpose; Document data extraction & augmentation; insurer Intelligence controlled automations Tell the story of a Case, personalise the Case service; multi-modal sources, gain claimant Intelligence insight, define nex

  19. Slide 19: Thank you

    For personal use only Thank you © FINEOS Corporation Ltd 20

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