Slide 1: Preliminary Results 2025
Preliminary Results 2025 23 February 2026
Slide 2: Peter Duffy, Chief Executive Officer
é Peter Duffy Chief Executive Officer MONY GROUP
Slide 3: Leveraging our strength in breadth, our brands and our platform
Leveraging our strength in breadth, our brands and our platform Good results - helping customers save £2.8 billion1 • Record Revenue and Adjusted EBITDA - resilient financial performance despite market headwinds Our strategy is working and has already proven its strength • Member based propositions
Slide 4: Niall McBride, Chief Financial Officer
) Niall McBride Chief Financial Officer MONY GROUP
Slide 5: Financial highlights: Record results despite end-market headwinds
Financial highlights: Record results despite end-market headwinds Revenue Adjusted EBITDA Adjusted Basic EPS £446m £145m 17.9p +2% +2% +5% Reinvestment Rate Operating Cashflow Dividend per Share 9% £108m 12.63p -2ppt -7% +1% £25 million buyback programme announced as part of a package of shareholder
Slide 6: Insurance: Headwinds in car and home offset against strong performance in life
Insurance: Headwinds in car and home offset against strong performance in life FY25 performance Paid premium price inflation1 10 £233m 5 52% 0 Q1 25 Q2 25 Q3 25 Q4 25 -5 -1% -6% 2 -10 -7% 2 Revenue % of Group revenue -15 Car insurance Home insurance Performance summary Market dynamics • Premiums in
Slide 7: Money: Strong performance in borrowing and banking as interest rates decreased
Money: Strong performance in borrowing and banking as interest rates decreased FY25 performance BoE Interest Rate and Consumer Borrowing 1 9% £106m 7% 24% 5% 3% +8% Apr-24 Aug-24 Oct-24 Apr-25 Aug-25 Oct-25 Jul-24 Jan-25 Feb-25 Jul-25 May-24 Sep-24 Mar-24 Sep-25 Jun-24 Mar-25 May-25 Jun-25 Nov-24 No
Slide 8: Home Services: Energy growth supported by market-leading, exclusive deals
Home Services: Energy growth supported by market-leading, exclusive deals FY25 performance Exclusive deals driving energy performance £48m energy switchers Volume of total 11% +33% Revenue % of Group revenue Performance summary Market dynamics • Energy drove the majority of this growth – we welcomed
Slide 9: Cashback: Consumer confidence continues to weigh on retail sales
Cashback: Consumer confidence continues to weigh on retail sales FY25 Performance Consumer Confidence Index1 5 0 -5 £53m -10 -15 12% -14 -13 -13 -17 -20 -19 -19 -18 -17 -18 -19 -17 -19 -17 -19 -17 -20 -21 -20 -19 -20 -13% -21 -21 -22 -23 -25 -30 Aug-24 Jun-25 Aug-25 Jan-24 Oct-24 Oct-25 Feb-24 Jun-2
Slide 10: Travel
Travel Movement to a minority position in FY25 Performance Ice Travel Group (ITG) (11 months) Strategic rationale • Movement in shareholding in ITG from 67% to 49.9%, moving to a £18m 4% £2m minority, non-controlling position -10% -47% • Exercised strategic optionality to simplify the Group structur
Slide 11: SuperSaveClub: Maintaining momentum – adding meaningful value
SuperSaveClub: Maintaining momentum – adding meaningful value 2.1 million SuperSaveClub members More than doubling members year on year1 Backdrop of increasing Delivering results, Doubling customer cost of acquisition deepening engagement lifetime value4,5 +21% YoY • Members transact more frequently
Slide 12: Highest ever Adjusted EBITDA with strong cost control
Highest ever Adjusted EBITDA with strong cost control Profit and operating costs Operating cost base • Gross profit down 1% to £287m; gross margin decreased from 66% to "Admin expenses" 64% £177m £170m • Elevated PPC costs due to search dynamics and competitive markets £34m £35m • Impact of SuperSav
Slide 13: Cash conversion reflects revenue mix and phasing
Cash conversion reflects revenue mix and phasing Net cash2 £4.1m at 31 December 2025 (2024: £8.4m) Operating cashflow £107.7m £145.1m £2.6m (£4.4m) £2.8m (£8.3m) £93.0m (£30.1m) (£66.9m) (£9.0m) (£5.7m) (£30.2m) (£4.1m) Adjusted Adjusting Working Provisions Tax Non cash Investing and Financing Cash
Slide 14: Outlook and Enhanced Shareholder Returns
Outlook and Enhanced Shareholder Returns Maximising shareholder value • MONY Group has an established and disciplined capital allocation policy driving the creation of long-term sustainable shareholder value Organic Ordinary Enhanced Acquisitions growth dividends distribution • In 2025 we maintained
Slide 15: Peter Duffy, Chief Executive Officer
é Peter Duffy Chief Executive Officer MONY GROUP
Slide 16: A springboard for growth and a robust competitive moat
A springboard for growth and a robust competitive moat Enhancing the Unlocking Re-engineering customer experience complexity the Group • AI embedded throughout the • AI removing barriers to growth in • AI supporting a reduction in manual customer journey new and existing areas intervention, accelera
Slide 17: MoneySuperMarket ChatGPT app
MONEVSUPERMARKET GS chatcPT @MoneySuperMarket Can you estimate how ora much it would be to insure a Tesla Model 3 = racer Saving Accounts @® MoneysuperMarket + @o™ edon your ertria, her Car insurance deals for RE RHZ Ford Fiesta Christmas regular | r te eSaver 2026 @MoneySuperMarket I'm looking for
Slide 18: Savings by MoneySuperMarket
Savings by MoneySuperMarket • Leverages the Group platform and brand strength to provide access to a total addressable market of £2 trillion • Simple, intuitive products – customers are able to find, open and manage a wide range of savings accounts - from easy access accounts to fixed term products,
Slide 19: The evolution of SuperSaveClub
The evolution of SuperSaveClub A product experience where… You never fill out another form – your profile does the hard work for you, making every switch, renewal, or purchase effortless. You can be confident you’re getting the best deal with our Price Promise – along with rewards every time you buy
Slide 20: UK's most recommended consumer finance brand and third most popular news app
• UK’s most recommended consumer finance brand and the third most popular news app in the UK – key differentiator within the Group • More than 3 million app downloads and over 9 million weekly ‘MSE tip’ subscribers • Expanded functionality has evolved the app from a predominantly editorial offering
Slide 21: Enhanced provider services
Enhanced provider services +13% revenue growth Market Boost • Proprietary data helps providers to understand how they’re performing on our platform versus peers • Over 100 providers now benefiting from this insight Tenancy • Dedicated advertising slots enabling providers to promote to specific custo
Slide 22: Leveraging our strength in breadth, our brands and our platform
Leveraging our strength in breadth, our brands and our platform Good results - helping customers save £2.8 billion1 • Record Revenue and Adjusted EBITDA - resilient financial performance despite market headwinds Our strategy is working and has already proven its strength • Member based propositions
Slide 23: Appendix
Appendix MONY GROUP
Slide 24: Strategic highlights: saved households an estimated £2.8bn in 2025
Strategic highlights: saved households an estimated £2.8bn in 2025 Estimated Group MSM and MSE net customer savings Group marketing margin promoter score £2.8bn 57% 73 2024: £2.9bn 2024: 58% 2024: 72 MSM and Quidco MSM & Quidco revenue MSM cross channel enquiry active users per active user 12.7m £20
Slide 25: Investment proposition
Investment proposition The result 1. Clear social purpose Helping households save money; estimated £2.8bn saved in 2025 Highly profitable growth Adjusted EBITDA2 margin Adjusted EBITDA1 growth 2. 2025 33% 2025 2% Scalable tech platform 2024 32% 2024 7% Powering price comparison across the Group, and
Slide 26: Our Group
Our Group FY25 Revenue: £446m1, up 2% Part-disposal of Travel in 2025 TRAVEL MONEY INSURANCE CASHBACK HOME SERVICES £233m £106m £48m £53m £18m2 -1% +8% +33% -13% -10% Revenue Revenue Revenue Revenue Revenue 236 233 106 60 61 220 100 98 48 21 20 53 18 39 36 2023 2024 2025 2023 2024 2025 2023 2024 202
Slide 27: Our purpose and ESG responsibilities
Our purpose and ESG responsibilities Purpose • Our purpose is to help UK households save money; £2.8bn1 household savings delivered in 2025 (2024: £2.9bn) • 12.7m active users in 2025 in MoneySuperMarket and Quidco Helping households save money Money Saving Expert • Full editorial independence and i
Slide 28: Adjusted cost base and marketing spend
Adjusted cost base1 and marketing spend Adjusted cost base1 Marketing spend and margin 57% £312m £316m 58% £194m £15m £15m £183m £20m £47m £48m £15m £26m £28m £67m £59m • 2 £50m £49m D&A 3% Other3 30% VAT & other admin 1% TV & radio (8%) £183m £194m People costs (11%) Cashback and reward
Slide 29: Product engineering investment
Product engineering investment Total product engineering investment Reinvestment rate £50m £42m £37m +11% +9% £34m £13m £8m 2024 2025 2024 2025 • Total product engineering costs reduced YoY Product engineering capital investment Product engineering operating costs • Expect tech capex flat or slightl
Slide 30: Income statement
Income statement £million 2025 2024 Growth Revenue 446.3 439.2 2% Gross profit 287.2 290.6 (1%) Gross margin 64.4% 66.2% Adjusted EBITDA1 145.1 141.8 2% Adjusted EBITDA margin2 33% 32% Depreciation (3.7) (4.4) Amortisation of technology related intangible assets (11.5) (10.3) Adjusting items 3 (12.5
Slide 31: Reconciliation of Operating profit to EBITDA and Adjusted EBITDA
Reconciliation of Operating profit to EBITDA and Adjusted EBITDA £million 2025 2024 Growth Operating profit 117.4 113.3 4% Depreciation 3.7 4.4 Amortisation of technology related intangible assets 11.5 10.3 Adjusting items (for EPS only): Amortisation of technology related intangible assets 8.1 10.8
Slide 32: Segmental measure of Adjusted EBITDA contribution
Segmental measure of Adjusted EBITDA contribution 2025 Inter-vertical £million Insurance Money Home Services Travel Cashback Shared costs eliminations Total Revenue 232.5 105.7 48.2 17.6 52.7 - (10.4) 446.3 Directly attributable expenses (107.4) (38.6) (15.3) (15.5) (44.9) (89.9) 10.4 (301.2) Adjust
Slide 33: Segmental notes: measure of Adjusted EBITDA contribution
Segmental notes: measure of Adjusted EBITDA contribution • Results include a measure of segmental profit by vertical in line with IFRS 8 • Adjusted EBITDA contribution = Revenue – directly attributable cost of sales – directly attributable operating expenses Directly attributable cost of sales inclu
Slide 34: MONY Group
MONY GROUP