Digia Oyj · OMXHEX:DIGIA
Digia Oyj — Investor Day (May 2026)
126 slides from Digia Oyj's investor day presentation, May 21, 2026
Slide 1: Digia CMD26
Slide 2: Disclaimer
Disclaimer This presentation does not constitute an offer or invitation to subscribe for, acquire, or dispose of shares in Digia Plc. The Group’s past performance is not a guarantee of future performance, and anyone considering an investment decision should consult an independent financial advisor.
Slide 3: Agenda and speakers
Agenda and speakers 14.00 Opening Rethink intelligent business – Trusted European partner in intelligent business Timo Levoranta, President & CEO Digital Solutions: Growth through digital services and customer experience in the era of AI Pasi Ropponen, Senior Vice President, Digital Solutions, Sales
Slide 4: Agenda and speakers
Agenda and speakers Break 10 min Managed Solutions: Lifecycle services and scalable business Janne Tuominen, Senior Vice President, Managed Solutions International expansion to European markets Tuomo Niemi, Senior Vice President, Financial Platforms, M&A and IT Acquisitions as a growth driver Tuomo
Slide 5: Rethink intelligent business: Trusted European partner in intelligent business
Timo Levoranta, President and CEO Rethink intelligent business Trusted European partner in intelligent business
Slide 6: Why invest in Digia?
Why invest in Digia? 1. Proven financial track record 2. Stable business model and financial position 3. Deep customer relationships and a comprehensive offering for selected market segments 4. In a changing market, there is structural demand for Digia’s services and products 5. Digia has excellent
Slide 7: Trusted European partner in intelligent business
Trusted European partner in intelligent business Consulting, software, and services company Growth strategy: Rethink intelligent business • We bring the benefits of AI into our customers’ everyday processes, products, and services throughout their entire life cycle • International expansion in Europ
Slide 8: Digia's business philosophy and track record: Renew and grow
Digia’s business philosophy and track record: Renew and grow Revenue, EUR million EBIT, EUR million 10 years of profitable growth 250 MEUR 2,7 x 20000 3,1 x 200 200 15000 150 10000 100 150 50 5000 0 0 Personnel Earnings/share, EUR 100 2000 0,6 2,1 x 2,5 x 0,5 1500 0,4 50 1000 0,3 0,2 500 0,1 0 0 0 2
Slide 9: Our goal is sustainable value creation over the long term
Our goal is sustainable value creation over the long term Development of the share price and total return distribution 2016 - 2025 Share price performance Total shareholder return Largest shareholders May 2 2016- Dec 30 2025 May 2 2016-Dec 30 2025 Digia share OMX Helsinki price, EUR index level 10 1
Slide 10: Digia also succeeded during the 2023–2025 strategy period despite the challenging market
Digia also succeeded during the 2023–2025 strategy period despite the challenging market Financial objectives 2023–2025 Objective Result 8.3% Net sales growth annually (organic and M&A) > 10% CAGR 14.1% EBITA margin by the end of 2025 > 12% (Q4/2025) 20.3% Share of international net sales by the end
Slide 11: Digia's performance during the 2023–2025 strategy period was among the best in the industry
Digia’s performance during the 2023–2025 strategy period was among the best in the industry Organic growth EBITA-% 10% 0.09 12% 10.3% 9.8% 8% 10% 8.7% 6% 0.03 8% 7.1% 4% 2% 0.01 6% 0.3% 3.9% 0% 3.7% -2.7% 4% -2% -3.4% -4% 2% -6% 0% 2023 2024 2025 2023 2024 2025 Digia Listed Finnish IT services secto
Slide 12: During the 2023–2025 strategy period, the share also performed well compared with the IT market
During the 2023–2025 strategy period, the share also performed well compared with the IT market 20% 14.1% 10% 0% -10% -20% -30% -32.0% -33.3% -40% -39.8% -50% -60% -70% -65.4% -66.9% -69.6% -70.2% -71.9% -80% Change in share price, Jan 2, 2023–Dec 30, 2025* *Closing price, listed Finnish IT services
Slide 13: Strong financial position
Strong financial position MEUR Cash flow from operations Net gearing, % Equity ratio, % 30 35% 60% 25 30% 50% 20 25% 40% 20% 15 30% 15% 10 20% 10% 5 5% 10% 0 0% 0% 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
Slide 14: Digia's journey, 2016–2025
Digia’s journey, 2016–2025 Digia has a strong track record in financial performance, value creation, and the ability to renew and grow PUBLIC
Slide 15: Digia's competitive advantages are built on its view of market change and long-term work
Digia’s competitive advantages are built on its view of market change and long-term work Trusted partner Comprehensive AI and High share of Strong financial to customers service and product automation service business position offering solutions (50.2%) Broad customer base, Entire life cycle, from E
Slide 16: Rethink work, remain human
Ability to renew - Digia’s competence strategy Rethink work, remain human PUBLIC
Slide 17: A strong people-driven culture
A strong people-driven culture Digia’s cultural principles LEARNING SHARING Every Digia employee is a Together we know more Senior Trainee PROFESSIONAL COURAGE PRIDE 1,592 It will not sting that bad I stand by my work PUBLIC
Slide 18: Renewal and continuous learning Digia Hammer
Renewal and continuous learning Digia’s internal program for bringing AI into everyday work Digia Hammer Software development Project and service management Commercial AI operations Resource and staffing Digia’s AI operating model
Slide 19: A broad customer base and business-critical solutions provide stability
TRUSTED PARTNER A broad customer base and business- critical solutions provide stability Intelligent business Intelligent society Secure society Media Public administration Defence and security Finance and pension Critical infrastructure Healthcare insurance and energy Commerce and services Manufact
Slide 20: A broad customer base and business-critical solutions provide stability
TRUSTED PARTNER A broad customer base and business- critical solutions provide stability Intelligent business Intelligent society Secure society Finnish Defence Forces
Slide 21: Comprehensive offering – four service areas
COMPREHENSIVE SERVICE AND PRODUCT OFFERING Comprehensive offering – four service areas Digital Solutions Business Platforms Financial Platforms Managed Solutions Intelligent digital Business platforms, A service and system offering Lifecycle services and services and solutions autonomous processes,
Slide 22: Intelligent business is a well-functioning whole
COMPREHENSIVE SERVICE AND PRODUCT OFFERING Intelligent business is a well-functioning whole AI SERVICE AREAS Applications Digital Solutions LIFECYCLE SERVICES Data Business platforms Business Platforms & Financial Platforms Integrations & APIs Managed Solutions Secure operating environment PUBLIC
Slide 23: AI technology alone is not the key to success
PUBLIC Implementing AI is not just a technology AI technology question, but consists of several layers: alone is not the key to success 10 % 20 % AI Digitalization (Gen AI & ML) 30 40 Intelligent business is enabled and led through the organization’s vision of operating models, growth strategies, an
Slide 24: Case Finnish Defence Forces AI Center of Excellence
24 Case Finnish Defence Forces AI Center of Excellence • Digia acts as a technology-independent partner and contributes to the operational launch of the center of excellence. ” • We also help develop operating models and strengthen the Finnish Defence Forces’ performance based on data and AI. We are
Slide 25: A stable and scalable business model supports growth
HIGH SHARE OF SERVICE BUSINESS A stable and scalable business model supports growth 50.2% 49.8% Service business Project business Share of net sales in 2025 Business based on own products 18.6%
Slide 26: Digia's competitive advantages – the result of systematic work
Digia’s competitive advantages – the result of systematic work Trusted partner Comprehensive AI and Large share of Strong financial to customers service and product automation service business position offering solutions (50.2%) Organizational capability for continuous renewal
Slide 27: Market outlook
digia CMD26 PY outlook ®
Slide 28: Europe: IT investments are growing
Europe: IT investments are growing Gartner and Forrester forecast stronger demand for software, IT services, cloud services, and AI +10.1% Investments in IT services in Europe Gartner Forrester Europe's IT Europe's spending +11.1% technology compared to the spending previous year +6.3% compared to t
Slide 29: Digital evolution: IT is at the core of business
Digital evolution: IT is at the core of business AI accelerates companies’ transformation 2030 Value creation platform Intelligent business 2020 • Orchestration of autonomous ecosystems Core of business and platforms • Supervised autonomy • Security and 24/7 operations • The business as a whole 2010
Slide 30: Realizing the benefits requires a modern and sustainable digital foundation
Realizing the benefits requires a modern and sustainable digital foundation Regardless of the source, the message is consistent: transformation and production-grade AI requires data, architecture, trust, and sovereignty Gartner: AI, cloud and cybersecurity drive the 2026 spending surge. "AI transfor
Slide 31: Additional investments are expected across several technology areas in 2026
Additional investments are expected across several technology areas in 2026 Digia offers services across several technology areas where CIOs expect investments to increase. Source: Gartner 2026 CIO Agenda Preview. CIO and tech executives n = 1,149–2,425
Slide 32: Digia is well positioned for the market shift
Digia is well positioned for the market shift Trusted European partner in 3 drivers of change intelligent business Customers’ operating models – • From isolated solutions to business transformation Applications comprehensive transformation Technology disruption – • Customers value agile and AI in pr
Slide 33: Rethink Intelligent Business: Digia's updated strategy 2026–2028
Rethink Intelligent Business Digia’s updated strategy 2026–2028
Slide 34: Trusted European partner in intelligent business
OUR MISSION Trusted European partner in intelligent business We bring the benefits of We help our customers in AI into our customers’ both the private and public everyday processes, sectors to create, operate, products, and services and continuously develop throughout the their businesses. lifecycle
Slide 35: Growth & sustainability targets
GROWTH & SUSTAINABILITY TARGETS Net sales growth EBITA margin International expansion in Europe > 10% > 12% 30% including organic and at the end of the strategy period of net sales are generated outside inorganic growth Finland at the end of the strategy period Reduction of own Engagement index Stra
Slide 36: Strategy-aligned growth investments
Strategy-aligned growth investments Productization and International AI solutions and Expertise scalability expansion autonomous services We continuously renew our We will leverage the entire Group’s We provide intelligent solutions We continuously renew our expertise, to meet market resources to gr
Slide 37: Main phases of strategy execution
Main phases of strategy execution 2026 – Renew Renew operations, invest in service offering and productization 2027 – Grow Accelerate growth 2028 – Scale Expand the business Acquisitions are part of our strategy execution.
Slide 38: Strategy execution – four service areas
Strategy execution – four service areas Digital Solutions Business Platforms Financial Platforms Managed Solutions Intelligent digital Business platforms, A service and system offering Lifecycle services and services and solutions autonomous processes, and for fund management outsourcing for mainten
Slide 39: Growth through digital services and customer experience in the era of AI
Pasi Ropponen, Digital Solutions Growth through digital services and customer experience in the era of AI
Slide 40: Digital services are a key part of intelligent business
Digital services are a key part of intelligent business AI SERVICE AREAS Applications Digital Solutions LIFECYCLE SERVICES Data Business platforms Business Platforms & Financial Platforms Integrations & APIs Managed Solutions Secure operating environment PUBLIC
Slide 41: What do we do in practice?
What do we do in practice? Digital services with industrial efficiency, scale, and delivery reliability Tailored software development Data & AI Customer relationship management Commerce HUB expertise network Analytics Integrations Project management Digia offices Our customers
Slide 42: Digital Solutions in figures 2025
Digital Solutions in figures 2025 Revenue Share of net sales generated Personnel Cross-selling outside of Finland 33% 72.6 448 1€ 1,8€ m€ 52% Every euro invested in DS generates 1.8 euros for Digia’s other businesses Top 20 customers, Of personnel, 28% are % of net sales outside Finland
Slide 43: Our role in Digia's growth
Our role in Digia’s growth We connect the customer to Digia’s full service offering Consulting Enabler – we open new customer relationships and deepen existing ones Business systems Data processing and integrations for ERP and core systems. Digital services & Data & AI & automation Secure 24/7 solut
Slide 44: Target segments in the Digital Solutions service area
Target segments in the Digital Solutions service area Intelligent business Intelligent society Secure society Media Public administration Defence and security Finance and pension Critical infrastructure Healthcare insurance and energy Commerce and services We focus on data-intensive and business-cri
Slide 45: Market change and opportunity
Market change and opportunity
Slide 46: AI – Threat or opportunity?
9.6.2026 46 AI – Threat or opportunity? Definitely an opportunity 25% Global IT investments are Have already moved at growing in the least 40% of their AI areas most experiments into important to us production. 54% AI is moving from pilots to Are expected to move at everyday least 40% of their AI ex
Slide 47: The direction of change: from technology deliveries to delivering results
The direction of change: from technology deliveries to delivering results At the same time, billing for expert work will shift partly to performance-based pricing TODAY IN THE FUTURE What is sold A product or technology A business outcome Business understanding, What is bought A project or expertise
Slide 48: How is the core of our value creation changing?
48 How is the core of our value creation changing? Developing integrated and autonomous systems is more important than building individual applications Value creation in the future AI integrated as a tool in the everyday work of every one of our experts From project management and software architect
Slide 49: How are growth and customer value created in practice?
How are growth and customer value created in practice?
Slide 50: A path to growth: from AI pilots to real value creation
A path to growth: from AI pilots to real value creation Three common business challenges we help solve AI pilots do not scale into production Organizations are stuck in unproductive AI pilots because Industrialized AI delivery model: We build a controlled path data is fragmented, governance is unstr
Slide 51: A highly productized offering gives our customers room to grow
A highly productized offering gives our customers room to grow We are a trusted partner that integrates AI into digital services and turns data into measurable business value Intelligent growth Intelligent operations Intelligent platforms Customer experience, growth, commerce AI, automation, efficie
Slide 52: Customers we have already helped grow
Customers we have already helped grow We focus on data-intensive and business-critical sectors where regulation and the need for a smooth and efficient customer experience come together Intelligent growth Intelligent operations Intelligent platforms Customer experience, growth, commerce AI, automati
Slide 53: Case HSL - gaining an edge
53 Case HSL - gaining an edge A pioneer in digital growth and seamless mobility From fragmentation to a seamless travel experience: HSL aimed to create one unified digital service that brings together all public transportation functions in an easy-to-use application. End-to-end accountability and co
Slide 54: Our goals in brief
Our goals in brief: 1. Scalable, profitable growth We will grow our revenue and improve profitability without corresponding growth in personnel by leveraging an industrialized AI delivery model. 2. Shift in focus to recurring and outcome-based revenue We will strengthen traditional consulting work w
Slide 55: From business platforms to autonomous processes
Tapani Ojaluoma, Business Platforms From business platforms to autonomous processes
Slide 56: Intelligent business is a functional whole
Intelligent business is a functional whole AI SERVICE AREAS Applications Digital Solutions LIFECYCLE SERVICES Data Business platforms Business Platforms & Financial Platforms Integrations & APIs Managed Solutions Secure operating environment PUBLIC
Slide 57: Business platforms: Builder of intelligent business platforms and autonomous processes
Business platforms Builder of intelligent business platforms and autonomous processes • Business platforms: financial management and ERP, customer relationship management and logistics systems, invoicing systems, and AI platforms Financial management • They enable company and organizational processe
Slide 58: We are a comprehensive partner in our customers' business
We are a comprehensive partner in our customers’ business We enable our customers’ transformation towards autonomous business processes • Strategy and solution consulting • Platform architecture and management • AI governance model and architecture • Planning and delivery of transformation, End-to-e
Slide 59: Business platforms in figures 2025
Business platforms in figures 2025 Net sales Share of project and Personnel service business 40% 60.6 410 m€ 32% 20 largest customers, % of net sales
Slide 60: Target markets for business platforms
Target markets for business platforms Intelligent business Intelligent society Secure society Media Public administration Defence and security Finance and pension Critical infrastructure Healthcare insurance and energy Commerce and services Focus: Mid-sized and large enterprises, and public administ
Slide 61: Broad customer base – trusted partner
Broad customer base – trusted partner PUBLIC
Slide 62: Digia's competitive position in the business platform market
Digia’s competitive position in the business platform market: the leading mid-market player in Finland, challenging the large players We are the right size, a trusted local player, with global-level platform expertise, and large enough even for the most demanding projects Small suppliers Large globa
Slide 63: Why customers choose Digia as their partner
Why customers choose Digia as their partner ”Digia immediately grasped what we were aiming for and how they could support us. That same mindset and understanding have defined our collaboration ever since.” Antti Varis, CFO, Broman Group An ERP system project or a business “Guaranteed system availabi
Slide 64: Business platforms as part of Digia's value creation
Business platforms as part of Digia’s value creation 1. Long customer relationships Deep understanding of the customer’s business and processes, 2. stronger pricing power 3. Continuous development and changes 4. Broad understanding of the customer’s other operations 5. Higher profitability with our
Slide 65: Disruption in the business platforms market – Toward autonomous processes
Disruption in the business platforms market – Toward autonomous processes
Slide 66: Market trends are driving demand for Digia's solutions and services
Market trends are driving demand for Digia’s solutions and services Companies and organizations must continuously renew themselves Forced Cloud-based Changes in AI capabilities modernization platforms public sector Increased Industry-specific emphasis on Regulation Geopolitics specialisation process
Slide 67: A modern business platform is a prerequisite for autonomous business processes
A modern business platform is a prerequisite for autonomous business processes The shift from AI-assisted to AI-driven business in the coming years Decoupling growth from costs Autonomous processes enable a company to grow without a proportional increase in costs, improving enterprise value. Real-ti
Slide 68: The shift to autonomous business processes
The shift to autonomous business processes
Slide 69: AI automation: demand is increasing, and new service opportunities are emerging
AI automation: demand is increasing, and new service opportunities are emerging AI-assisted Autonomous 80% of implemented AI automations and agents focus on: • Standard product platforms • Productized AI automations and agent • Service management and customer libraries support • Standardized process
Slide 70: AI automation enables efficiency, higher quality, and scalability for our customers
AI automation enables efficiency, higher quality, and scalability for our customers ”The system delivers enormous time savings. In addition, employee satisfaction and well-being have improved. We are extremely pleased. ” This brings us significant time savings, and the automation has a direct positi
Slide 71: In summary
In summary Autonomous processes enable a leap in productivity and growth for customers. • Industry and process expertise combined with AI expertise • Trust and long customer relationships • Business platform expertise • Strong project and service delivery culture • Comprehensive offering • Vision fo
Slide 72: Solutions and services for the financial sector based on Digia's own product platform
Tuomo Niemi, Financial Platforms, M&A, and IT Solutions and services for the financial sector based on Digia’s own product platform
Slide 73: Digia Financial Services Platform
Digia Financial Services Platform IT solutions and business process outsourcing services (BPO) for the financial sector • Leading player in Finland's investment services Solutions market segment, with business operations also in Account and loan system Asset management Sweden system • Services are b
Slide 74: Case S-Bank
74 Case S-Bank Outsourcing of back-office business processes for funds and asset management based on the DiFS product platform • Digia’s collaboration with S-Bank began during the FIM era and has continued in S-Bank’s securities back-office operations and fund management. • Since the outsourcing imp
Slide 75: Q&A
Q&A Q&A
Slide 76: Agenda and speakers
Agenda and speakers Tauko 10 min Managed Solutions: Jatkuvat elinkaaripalvelut ja skaalautuva liiketoiminta Janne Tuominen, liiketoimintajohtaja, Managed Solutions Liiketoiminnan laajentaminen Euroopan markkinoille Tuomo Niemi, liiketoimintajohtaja, Financial Platforms, M&A ja IT Yritysostot kasvun
Slide 77: Lifecycle services and scalable business
Janne Tuominen, Managed Solutions Lifecycle services and scalable business
Slide 78: Intelligent business is a functional whole
Intelligent business is a functional whole AI SERVICE AREAS Applications Digital Solutions LIFECYCLE SERVICES Data Business platforms Business Platforms & Financial Platforms Integrations & APIs Managed Solutions Secure operating environment PUBLIC
Slide 79: Managed Solutions: Maintaining and developing the digital foundation
Managed Solutions: Maintaining and developing the digital foundation The unit ensures the foundation for operations, development, and compliance • Lifecycle services cover the continuous 24/7 operation and development of applications, integrations, data, AI, platforms, and cloud environments in cust
Slide 80: Managed Solutions in figures 2025
Managed Solutions in figures 2025 Net sales Share of revenue generated Personnel Subcontractors outside of Finland 21.1% 83.7 621 140 m€ 51% Top 20 customers (of unit revenue) Of personnel and subcontractors, 16% are outside Finland PUBLIC
Slide 81: Managed Solutions as a builder of Digia's growth and quality
Managed Solutions as a builder of Digia’s growth and quality Stable cash flow, a growth engine, and a driver of quality • Continuity – the foundation of stable cash flow • Long-standing customer relationships – contracts of 3–5 years and a high contract renewal rate • The top 20 customers account fo
Slide 82: Service purchases among large organizations are increasing
Service purchases among large organizations are increasing Intention to spend on our IT budget on external providers (5-year history) Don’t know 47% 41% 11% 39% 38% 36% Spend more 31% 31% 28% 28% 26% Intention to Spend less 20% spend on our 20% IT budget 17% 22% 21% on external 20% 20% providers 16%
Slide 83: Strong performance in the 2026 IT Sourcing study
Strong performance in the 2026 IT Sourcing study Exceptional Accenture 80% Performers Infosys 78% CGI 77% TCS 77% Strong Digia Digia 77% Performers Deloitte 76% Advania 76% DXC Technology 76% Elisa 74% HCLTech 73% Kyndryl 73% Fujitsu 73% Capgemini 71% ATEA 70% Telia Company 66% Vivicta 65% Average:
Slide 84: The difference between consulting and lifecycle services
The difference between consulting and lifecycle services ELEMENT CONSULTING LIFECYCLE SERVICES Better decisions, direction, solutions and Better continuous performance, continuity Core value ability to change and ownership Stability, predictability, service capability, What the customer buys Insight
Slide 85: Managed Solutions' competitive advantage comes from a whole that cannot be built in a year
Managed Solutions’ competitive advantage does not come from a single factor — it comes from a whole that cannot be built in a year Lifecycle services delivery capability is not built after the contract, but in advance • Extensive delivery capability for security-critical sectors • More than 700 expe
Slide 86: 24/7 service model as a competitive advantage
24/7 service model as a competitive advantage The 24/7 model is not a support function — it is a business-critical link that makes switching challenging. • What 24/7 means for the customer • Response time for critical incidents: minutes, not hours — or proactively • Business risk shifts from the cus
Slide 87: AI in service delivery: efficiency, quality, and scalability
AI in service delivery: efficiency, quality, and scalability AI does not threaten our business — it is our competitive advantage. • AI is a natural extension of increasing the degree of automation in continuous services, but it does not make people unnecessary • The human role is particularly import
Slide 88: Lifecycle services in 2028
Lifecycle services in 2028 The future of lifecycle services is based on autonomous services • Future lifecycle services combine people and autonomous services • Traditional operations and monitoring shift to autonomous services • People focus on development, supported by AI • Digia’s lifecycle servi
Slide 89: How lifecycle services improve revenue predictability
How lifecycle services improve revenue predictability Visibility, stability, and quality in cash flows • Long-term cash flow predictability • Among the top 20 customers, business relationships have continued for an average of more than 11 years • Structural stability in the business • Less dependenc
Slide 90: Where does the pricing power of lifecycle services come from?
Where does the pricing power of lifecycle services come from? The pricing power of lifecycle services comes from five factors 1. Accumulated customer insight 4. Reusable assets, automation, and AI • We know the environment, dependencies, • When delivery is not based only on human work, it processes,
Slide 91: Managed Solutions and improved profitability
Managed Solutions and improved profitability The profitability improvement in lifecycle services is the result of a systematic approach 1. Recurring revenue and longer contracts 2. Scalability of standardized service models 3. Automation and AI at the core of service delivery 4. Deepening customer r
Slide 92: Cross-selling in long-term customer relationships
Cross-selling in long-term customer relationships Lifecycle services are not only defensive business — they are the best growth channel for Digia as a whole. • The unit’s growth logic is based on systematic expansion into new service areas and bringing Digia’s broader offering to the customer • Why
Slide 93: The unit's key target segments
The unit’s key target segments Intelligent business Intelligent society Secure society Media Public administration Defence and security Finance and pension Critical infrastructure Healthcare insurance and energy Commerce and services Manufacturing The unit’s ideal customer profile is a customer oper
Slide 94: Examples of our customers
Examples of our customers Intelligent business Intelligent society Secure society Finnish Defence Forces PUBLIC
Slide 95: Long-term collaboration in customer relationships
Long-term collaboration in customer relationships Opportunities for growth in lifecycle services 2019 2023 2025 2026 PUBLIC
Slide 96: Strong Northern European integration expert
Strong Northern European integration expert More than 400 experts in integration services are the cutting edge of international expansion PUBLIC
Slide 97: Managed Solutions as a builder of Digia's growth and quality
Managed Solutions as a builder of Digia’s growth and quality Stable cash flow, a growth engine, and a driver of quality • Continuity – the foundation of stable cash flow • Long-term customer relationships – contracts of 3–5 years and a high contract renewal rate • The top 20 customers account for ap
Slide 98: International expansion into European markets
Tuomo Niemi, Financial Platforms, M&A, and IT International expansion into European markets
Slide 99: Main markets outside Finland 2025
Main markets outside Finland 2025 4 operating countries, Analytics deliveries to more than 20 countries Analytics, integration, e-commerce, project management 3 international Integration, APIs, software development subsidiaries Digia offices Our customers
Slide 100: We are growing in Finland and accelerating international expansion with controlled risks
We are growing in Finland and accelerating international expansion international expansion with with controlled controlled risks risks 1 2 3 International market Finnish market Geographic risk • Limited size • A more balanced business • Large market portfolio in the future • Better outlook • Softer
Slide 101: International expansion
International expansion We are expanding internationally in Europe to become a trusted European partner in intelligent business by leveraging the strengths of the entire Group Share of net sales 2022-2025 Share of international business 18% 16.6% at the end of Q4 2025 20. 3% 16% 14% 11.8% 12% 10% 8.
Slide 102: International expansion in Europe – integration, data, and AI at the core
International expansion in Europe – integration, data, and AI at the core FINLAND Digia’s main market, where we operate with our full, SWEDEN AND THE NETHERLANDS comprehensive offering. Going to the market with data & AI EUROPE We are expanding in Europe with integration and API solutions at the cor
Slide 103: Acquisitions as a growth driver
Tuomo Niemi, Financial Platforms, M&A, and IT Acquisitions as a growth driver
Slide 104: Digia has a strong acquisition track record
Digia has a strong acquisition track record Acquisitions are part of Digia’s A strong profitable core We acquire strategic Target evaluation is based on growth strategy and capital business and financial capacity progress, profitability and strategic and cultural fit, business allocation, not an opp
Slide 105: Digia & Savangard – a Northern European Integration Powerhouse
Digia & Savangard Savangard became part – a Northern European of Digia on June 3, 2025 Integration Powerhouse Q3/25: City of Helsinki • Digia, Finland’s leading provider of integration and integration agreement: The first contract won together API services in Finland • Digia + Savangard: a significa
Slide 106: Acquisitions accelerate international expansion
Acquisitions accelerate international expansion • The focus is outside Finland to achieve our international expansion targets • Strengthening existing home markets: Sweden, Poland, and the Netherlands • Proactive screening in Northern and Central Europe • Integrations, data, and AI are at the core o
Slide 107: Our acquisitions are based on a disciplined, systematic, and risk-managed process
Our acquisitions are based on a disciplined, systematic, and risk-managed process • Our acquisition process is systematic and proven across the entire life cycle, from target screening to integration • Acquisitions are financed primarily with debt financing, without diluting existing shareholders’ o
Slide 108: Summary: Digia's path to stronger growth, profitability, and shareholder value
Timo Levoranta, President and CEO Summary: Digia’s path to stronger growth, profitability, and shareholder value
Slide 109: Trusted European partner in intelligent business
Trusted European partner in intelligent business Consulting, software, and services company Growth strategy: Rethink intelligent business • We bring the benefits of AI into our customers’ everyday processes, products, and services throughout their entire life cycle • International expansion in Europ
Slide 110: Strategy-aligned growth investments
Strategy-aligned growth investments Strategy-aligned growth investments Productization International AI solutions and Expertise and scalability expansion autonomous services
Slide 111: Strategy execution – four service areas
Strategy execution – four service areas Digital Solutions Business Platforms Financial Platforms Managed Solutions Intelligent digital Business platforms, A service and system offering Lifecycle services and services and solutions autonomous processes, and for fund management outsourcing for mainten
Slide 112: Main phases of strategy execution
Main phases of strategy execution 2026 – Renew Renew operations, invest in service offering and productization 2027 – Grow Accelerate growth 2028 – Scale Expand the business Acquisitions are part of our strategy execution.
Slide 113: 2026 – Invest and renew
2026 – Invest and renew Innovation, efficiency and scalability A Digital Solutions Financial Platforms I Productized service offering Next-generation services for financial alongside hourly billed work. industry combining industry knowledge, C technology and AI. O D Business Platforms Managed Soluti
Slide 114: International expansion in Europe – integration, data, and AI at the core
International expansion in Europe – integration, data, and AI at the core FINLAND Digia’s main market, where we operate with our full, SWEDEN AND THE NETHERLANDS comprehensive offering. Going to the market with data & AI EUROPE We are expanding in Europe with integration and API solutions at the cor
Slide 115: Growth targets for the strategy period
Growth targets for the strategy period Net sales growth EBITA margin International expansion in Europe > 10% > 12% 30% including organic and inorganic at the end of the strategy period of net sales are generated outside growth Finland at the end of the strategy period
Slide 116: Capital allocation: dividends vs. growth investments
Capital allocation: dividends vs. growth investments Cash flow from Growth investments Stable dividend policy operations (M&A, productization, etc.) PUBLIC
Slide 117: Dividend policy and dividend history
Dividend policy and dividend history Dividend per share, € 0,2 Digia aims to distribute at least 30% of the 0,18 Group’s annual profit as dividends. 0,16 0,14 In 2025, we distributed 38.8% of annual profit 0,12 as dividends. 0,1 0,08 0,06 0,04 0,02 0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Slide 118: Why invest in Digia?
Why invest in Digia? 1. Proven financial track record 2. Stable business model and financial position 3. Deep customer relationships and a comprehensive offering for selected market segments 4. In a changing market, there is structural demand for Digia’s services and products 5. Digia has excellent
Slide 119: Why invest in Digia? 1. Proven financial performance
Why invest in Digia? 1. Proven financial performance PUBLIC
Slide 120: Why invest in Digia? 2. Stable business model and strong financial position
Why invest in Digia? 2. Stable business model and strong financial position PUBLIC
Slide 121: Why invest in Digia? 3. Deep customer relationships
Why invest in Digia? Deep customer relationships and a comprehensive offering for 3. selected market segments PUBLIC
Slide 122: Why invest in Digia? 4. Structural demand
Why invest in Digia? 4. In a changing market, there is structural demand for Digia's services and products PUBLIC
Slide 123: Why invest in Digia? 5. Market position and strategy
Why invest in Digia? 5. Digia’s market position and strategy provide an excellent foundation for continued profitable growth in Finland and internationally, both organically and through acquisitions. STRONG FOUNDATION CLEAR STRATEGY INTERNATIONAL EXPANSION IN EUROPE UNDERWAY
Slide 124: Trusted European partner in intelligent business
Trusted European partner in intelligent business
Slide 125: Q&A
Q&A Q&A
Slide 126: Thank you!
Thank you!