Lumi Rental Company · TADAWUL:4262
Lumi Rental — Q3 2025 Earnings Presentation
20 slides from Lumi Rental's earnings presentation, Nov 3, 2025
Slide 1: Earnings Presentation 3Q 2025
EARNINGS PRESENTATION 3Q 2025
Slide 2: Business Overview
Business Overview 1 Lumi Earnings Lumi Earnings Presentation Presentation| 3 November 2025 2025 | 3 November 2
Slide 3: Focused on disciplined execution of growth strategy in 3Q 2025
Focused on disciplined execution of growth strategy in 3Q 2025 Lease and Rental growth, enhanced operating efficiency, and lower finance costs led to a 31% YoY net profit increase Revenue (¥ Mn) EBIT margin (%) Net profit (¥ Mn) +3% +31% 412 416 414 20.1% 20.1% 20.2% 20.2% 20.4% 20.4% 20.5% 20.5% 54
Slide 4: Business Segments Performance
Business Segments Performance 1 Lumi Earnings Lumi Earnings Presentation Presentation| 3 November 2025 2025 | 3 November 4
Slide 5: Balanced fleet growth driven by continued lease expansion in 3Q 2025
Balanced fleet growth driven by continued lease expansion in 3Q 2025 Disciplined vehicle procurement and stable rental fleet support steady fleet size with 3% year-on-year growth Total fleet size (vehicles) 3Q 2025 Purchased vehicles (over the period) 3Q 2025 +3% -5% 33,488 34,105 34,917 34,039 34,4
Slide 6: Rental segment revenue grows on stronger rates and fleet stability
Rental segment revenue grows on stronger rates and fleet stability 12% year-on-year revenue growth supported by healthy utilization, diverse customer mix, and modern fleet offering Rental fleet size (vehicles) 3Q 2025 Rental revenue (¥ Mn) 3Q 2025 Rental, vehicle utilization (%) 3Q 2025 +0% +12% 10,
Slide 7: Branch network and regional reach continue to support rental growth
Branch network and regional reach continue to support rental growth 42 locations across Saudi Arabia and strong presence in key regions drive commercial and tourism-related demand Airport branch Turaif Downtown branch Total branches Al Jouf 42 The extensive branch Neom Tabuk network is a key driver
Slide 8: Lease segment supported by growing fleet size and strong corporate demand
Lease segment supported by growing fleet size and strong corporate demand Revenue growth reflects solid customer base and improved lease yield per vehicle Lease fleet size (vehicles) 3Q 2025 Lease revenue (¥ Mn) 3Q 2025 +4% +12% 23,840 23,788 23,647 23,449 167 164 168 22,571 157 150 +6% -0% -1% -1%
Slide 9: Used car sales supported by stronger pricing despite lower volumes
Used car sales supported by stronger pricing despite lower volumes Average price recovery improved, reflecting favorable secondary market conditions and vehicle mix Sold vehicles (over the period) 3Q 2025 Used car sales revenue (¥ Mn) 3Q 2025 -21% -15% 2,371 139 2,202 123 1,995 119 117 118 1,910 1,8
Slide 10: Financial Overview
Financial Overview 1 Lumi Earnings Lumi Earnings Presentation Presentation| 3 November 2025 2025 | 3 November 10
Slide 11: Disciplined execution drives double-digit profit and margin growth
Disciplined execution drives double-digit profit and margin growth Revenue growth, cost control, and lower finance costs supported a 31% net profit increase year-on-year ¥ Mn 9M 2025 9M 2024 YoY, % 3Q 2025 3Q 2024 YoY, % Net profit for the period movement YoY (¥ Mn) 3Q 2025 +31% Revenues 1,242 1,148
Slide 12: Lease and rental segments drive year-on-year revenue growth
Lease and rental segments drive year-on-year revenue growth Top-line expansion reflects stronger demand and pricing, partially offset by lower used car sales contribution Total revenue from contracts with customers (¥ Mn) 3Q 2025 Total revenue segmental movement YoY (¥ Mn) 3Q 2025 +3% Lease 18 13 41
Slide 13: Cost of revenue drives increase in total expenses
Cost of revenue drives increase in total expenses Cost of revenue increased due to higher depreciation and staffing, while general and administrative expenses saw broad-based savings Total expenses1 breakdown (¥ Mn) 3Q 2025 Total Cost of revenues movement YoY (¥ Mn) 3Q 2025 +4% +5% Total Cost of rev
Slide 14: Strong earnings performance and return profile maintained in 3Q 2025
Strong earnings performance and return profile maintained in 3Q 2025 Consistent profitability supports healthy double-digit return ratios and capital efficiency 1 Adjusted EBITDA (¥ Mn) 3Q 2025 Return metrics (%) 3Q 2025 +2% 308 303 308 311 314 17.2% 16.7% 16.8% -2% +2% +1% +1% 15.7% 3Q 24 4Q 24 1Q
Slide 15: Solid financial position maintained
Solid financial position maintained Lower vehicle investment and disciplined cash management supported a stable balance sheet ¥ Mn 3Q 2025 FY 2024 YTD % Change Total assets movement YTD (¥ Mn) 3Q 2025 +2% Total Non-Current Assets 2,957 3,000 -1% 133 3,445 3,374 incl. Vehicles 2,817 2,860 -1% (19) To
Slide 16: Continued focus on a balanced funding strategy
Continued focus on a balanced funding strategy Debt remained broadly flat year-on-year, with healthy leverage ratios and strong EBITDA-based coverage Total debt (¥ Mn) 3Q 2025 Net debt (¥ Mn) 3Q 2025 +0% +3% 1,805 1,753 1,695 1,708 1,638 1,715 1,648 1,605 1,610 1,580 -6% +2% +10% -5% -4% +2% +9% -3%
Slide 17: Strong operating cash flow supports reinvestment
Strong operating cash flow supports reinvestment Improved cash generation driven by higher profitability and better working capital discipline ¥ Mn 9M 2025 9M 2024 YoY % 3Q 2025 3Q 2024 YoY % Cash & cash equivalents movement YTD (¥ Mn) 3Q 2025 Profit after Zakat 160 131 +22% 53 40 +31% -33% Non-cash
Slide 18: Q&A
Q&A 1 Lumi Earnings Lumi Earnings Presentation Presentation| 3 November 2025 2025 | 3 November 18 18
Slide 19: Lumi Rental Company Investor Relations
Lumi Rental Company Investor Relations investors@lumirental.com 1 Lumi Earnings Lumi Earnings Presentation Presentation| 3 November 2025 2025 | 3 November 19 19
Slide 20: Disclaimer
Disclaimer All information included in this document is for general use only and has not been independently verified, nor does it constitute or form part of any invitation or inducement to engage in any investment activity, nor does it constitute an offer or invitation or recommendation to buy or su