Slide 1: Q3 2025/26 - KPIs
Q3 2025/26 - KPIs Webinar will be held by Text IR Team on January 5 11:00 AM CEST - Polish 3:00 PM CEST - English
Slide 2: Disclaimer
Disclaimer: The presentation was created internally by TEXT S.A. (Company) Data contained in this presentation is valid as of the date of its preparation. Consequently, this presentation will not be subject to changes, updates, or modifications to account for events that might occur after this date.
Slide 3: KPIs
KPIs
Slide 4: MRR of All Products (M USD)
MRR OF ALL PRODUCTS (M USD) Monthly Recurring Revenues at the end of a given month 4
Slide 5: Payments Received (M USD)
PAYMENTS RECEIVED (M USD) As reported in reports on preliminary results The presented data are the estimates and preliminary as published in the respective reports. Therefore, they may ultimately differ from those shown in the periodic financial reports. Because the Company generates the vast majority
Slide 6: Growing Share of Customers with MRR >= 500 USD
GROWING SHARE OF CUSTOMERS WITH MRR => 500 USD MRR from customers with MRR below or above USD 500 MRR, USD million Customers with MRR =>500 USD responsible for over 51% of MRR at the end of December 2025, up from 43% a year earlier, showing potential in expanding existing customers and targeting big
Slide 7: Increasing Share of MRR from Customers with Multiple Products
INCREASING SHARE OF MRR FROM CUSTOMERS WITH MULTIPLE PRODUCTS % share of MRR Multiproduct customers are responsible for 37.2% of MRR a the end of December 2025, which is a 10 percentage points increase within a year. Shows our journey from one-product company to multi-product company with an aim to
Slide 8: Q3 2025/26 KPIs, Achievements, Financials
Q3 2025/26 - MRR fell by 1.1% q/q to USD 6.98 mn - Payments received decreased by 1.6% q/q to USD 21.89 mn (+2.1% y/y) KPIs - API usage exceeded 100 thous. USD in a quarter (these revenues are on top of MRR) - Share of customers with ARPL =>500 USD over 51% of the MRR - Obtained SOC-2 Type 1 certific
Slide 9: 2025 in Brief
2025 in brief - MRR fell by 1.7% y/y to USD 6.98 mn - Payments (4 quarters) received decreased by 0.2% y/y to USD 88.42 KPIs mn - Share of customers with ARPL =>500 USD exceeded the level of 50% of the MRR. Built a strong foundation for 2026: - Focus and company structure shifted to release (success
Slide 10: 2025 was our year of building. 2026 is about unlocking go-to-market potential
2026 T 4 =) ] 2025 was our year of building. 2026 is about unlocking our go-to-market potential. We focused on creating a new product, strengthening While we continue developing Text App, we will concentrate our infrastructure, and evolving our organization to on sharpening distribution channels, el
Slide 11: Challenges
Challenges ● Changes in customer acquisition - AI Search and new Google algorithms limit website traffic, which affects us and our potential customers. ● Higher customer churn (4% per month vs historically around 3%) - "I'm closing the business" with the new number 1 churn reason vs historical "no c
Slide 12: Opportunities
Opportunities ● The development of AI will allow us to create greater end value for customers and to fully automate theirs communication. ● New product (Text App) and new TAM (customer support market, instead of just live chat market) ● New “pay per value” pricing ● Enablers for enterprise deals in
Slide 13: Financial results
Financial results
Slide 14: Financial Results (PLN mn)
FINANCIAL RESULTS (PLN MN) -7.4% -34.3% -32.7% Revenue generated in Q2 2025/26 in US dollars amounted to 22.1 million versus 22.2 million US dollars a year ago and on top of that the average USD/PLN exchange rate was 7.6% weaker for this period. The cost side: infrastructure costs remain higher as w
Slide 15: Financial Results (PLN mn)
FINANCIAL RESULTS (PLN MN) -4.9% -29.5% -30.9% The USD/PLN exchange rate had a negative impact on revenue levels - in H1 2025/26 in US dollars it amounted to 44.3 million versus 43.8 million US dollars a year ago, which means an increase of 1.2%. New infrastructure improved the quality of our servic
Slide 16: Financial Results - EBITDA (PLN mn)
FINANCIAL RESULTS - EBITDA (PLN MN) -25.1% EBITDA for H1 2025/2026 fell by 25.1% to PLN 78.3 mn reaching a margin of 46.7%.
Slide 17: Future Revenues (in PLN M)
FUTURE REVENUES (IN PLN M) The annual subscriptions and longer contracts are spread evenly over the time the service is provided, creating the revenues of the future revenues. Presented as liabilities from customer contracts at the end of Q2 2025/26 they amounted to PLN 66.8 million. 17
Slide 18: Cash Position (PLN mn)
CASH POSITION (PLN MN) cash 30.09.2025 A remaining part of the dividend for 2024/25 FY was paid out at the end of September in the amount of PLN 113.3 million. Liquidity levels at the end of September were impacted by the lower dollar exchange rate, and by the CIT and VAT overpayments, which are hel
Slide 19: Revenue per Product
REVENUE PER PRODUCT Revenues per product H1 2024/25 H1 2025/26 Change Q2 2024/25 Q2 2025/26 Change (PLN mn) * 157 573 141 629 -10.1% 80 802 69 437 -14.1% 13 039 13 915 +6.7% 5 991 7 108 +18.6% ** 5 640 12 066 +113.9% 2 619 6 267 +139.3% In H1 2025/26, LiveChat accounted for 84.5% of all Group revenu
Slide 20: Revenue Split by Products Q2 2025/26
REVENUE SPLIT BY PRODUCTS Q2 2025/26 revenue split 7.1% 8.6% 83.8% 0.4% *LiveChat revenues includes marketplace. 20
Slide 21: Most Important Developments
MOST IMPORTANT DEVELOPMENTS - The Management Board intends to ask the Supervisory Board for an Dividend advance payment of dividend in the amount of 1.15 PLN per share. - The SOC-2 certification audit began in November. Type I certification is SOC-2 expected to be achieved by the turn of the year, a
Slide 22: Overview
overview
Slide 23: Key Facts
KEY FACTS B2B subscription revenue Unique customer Global SaaS business acquisition model Ca 35% of MRR generated in the model Allowing high, US, less than 2% in Poland sustainable margins. Growth story Co-founders Dividend company Consortium led by co-founders is company’s With a track record of sh
Slide 24: Vision and Mission
VISION AND MISSION for better customer service We help brands provide better customer service at scale by analyzing enriching, and automating text communication. 24
Slide 25: We help our customers to:
We help our customers to: ● Monetize their business online by providing tools to convert website visitors into paying customers. ● Automate their communication through features like chatbots and canned responses, saving time and resources. ● Improve the quality of their customer service by offering
Slide 26: Monetizing: Wembley Stadium
MONETIZING Wembley Stadium Earns Over $1.5M in Eight Months with ChatBot on the AI- powered Frontline ~<O, WEMBLEY @ 26
Slide 27: Monetizing: Pioneer Millworks
MONETIZING Ponees, lures Pioneer Millworks Increased Average Opportunity Value by 16% The company brings their customer service and sales team closer together, resulting in more closed projects and increased conversion rates. increase in the average opportunity value growth in online samples transac
Slide 28: Monetizing: ForSaleByOwner
MONETIZING forsalebyownerés ForSaleByOwner is Growing 100% a Year Since Installing LiveChat The company improved the quality and speed of customer service on their website, so customers can rely on it and trust it with their property transactions. 28
Slide 29: Improving Customer Experience and CSAT
IMPROVING CUSTOMER EXPERIENCE AND CSAT 29
Slide 30: Improving Customer Experience and CSAT
IMPROVING CUSTOMER EXPERIENCE AND CSAT 30
Slide 31: Automation: Brastel case study
AUTOMATION brastel Brastel case study a Learn how Brastel set up 20 workflows and v reduced handling time per ticket by up to 39%. fi Read the story > t - + t t i t { t t t gi si t (REIL EAM NWR BR BI Fes 7 T DSS (2) oe ee Brastel team saves 8 minutes handling Brastel team saves 12 minutes handling
Slide 32: Automation and CSAT
AUTOMATION AND CSAT Funded Trading Plus Achieves 93% CSAT in 125K Yearly Chats and Reduces Workload by 18% A ©) 32
Slide 33: And We Are Doing That at Scale
AND WE DOING THAT AT SCALE 288K views per minute 2Bt weekly views 33
Slide 34: Revenues by Geographies
REVENUES BY GEOGRAPHIES English-speaking countries continue to generate roughly 50% of the revenues. Poland with 1.5% share in revenues is in TOP15 countries. 34
Slide 35: Meet 250+ A-players
Meet 250+ A-players text.com/team
Slide 36: Shareholders - Company Still Led by Founders
SHAREHOLDERS - COMPANY STILL LED BY FOUNDERS* * According to the shareholders’ notifications received by the Company, public data from the Polish pension funds’ reports 14
Slide 37: Disclaimer
Disclaimer: The presentation was created internally by TEXT S.A. (Company) Data contained in this presentation is valid as of the date of its preparation. Consequently, this presentation will not be subject to changes, updates, or modifications to account for events that might occur after this date.