Cardiff Lexington Corporation · OTC:CDIX
Cardiff Lexington — Cardiff Lexingtn — Q4 2025 Earnings Presentation
15 slides from Cardiff Lexington's earnings presentation, Mar 16, 2026
Slide 1: Fourth Quarter & Year End 2025 Earnings Presentation
FOURTH QUARTER & YEAR END 2025 EARNINGS PRESENTATION Monday, March 16, 2026 OTC: CDIX
Slide 2: Forward Looking Statements
FORWARD LOOKING STATEMENTS This presentation does not constitute or form part of and should not be construed as, an offer to sell or issue or the solici tation of an offer to buy or subscribe for securities of Cardiff Lexington (the “Company”) in any jurisdiction or an inducement to enter into inves
Slide 3: Executive Summary
EXECUTIVE SUMMARY Cardiff Lexington by the Numbers as of December 31, 2025 FY 2025 Operational & Strategic Highlights 11 • 40% increase in GAAP revenue compared to Nova Ortho and Spine locations FY24 driven by increased patient volume and throughout Florida & Georgia shift to more complex higher-val
Slide 4: Annual Revenue Performance 2021 – 2025
ANNUAL REVENUE PERFORMANCE 2021 – 2025 (In Millions) $11.9M 12 $11.5M • 2025 GAAP revenue increased $10.7M $11.1M 40% to $11.5M compared with 2024 Adjusted $8.3M in 2024 10 revenue* • 2024 GAAP revenue impacted by one-time non-cash adjustments 8 totaling $2.8M $8.3M • 2024 adjusted revenue* 6 $5.4M
Slide 5: Proven Business Model Supports Next Phase of Growth
Proven Business Model Supports Next Phase of Growth Proven Growth & Profitability with Existing Model Demonstrated ability to drive growth and profitability in diverse economic markets and conditions Strong Performance with Limited Working Capital Proven track record of driving return on invested ca
Slide 6: Nova Ortho & Spine at a Glance
NOVA ORTHO & SPINE AT A GLANCE FULFILLING THE NEEDS OF AN UNDERSERVED MARKET • No dependence on CMS (Medicare/Medicaid) or health insurance companies (HMOs or Blue Cross) for reimbursement • Payor mix is almost exclusively comprised of automotive insurance companies, general liability carriers, and
Slide 7: Strong and Growing Market Presence
STRONG AND GROWING MARKET PRESENCE 11 Nova Ortho & Spine locations strategically positioned in population centers throughout Florida and Georgia with plans to expand to broader southeast US • Okeechobee (FL) • Tallahassee (FL) • Port St. Lucie (FL) • Fort Pierce (FL) • Madison (FL) • Orlando (FL) •
Slide 8: Three Synergistic Pillars for M&A Growth
THREE SYNERGISTIC PILLARS FOR M&A GROWTH Target Strong Core Cash Acquire Accretive Assets Drive Long-Term & Flows to Current Model Sustainable Profitability Acquire, optimize, and Expand geographic Acquire and manage manage physician footprint through personal injury practice practices with strong o
Slide 9: Well Positioned for Long-Term Growth
WELL POSITIONED FOR LONG-TERM GROWTH • Profitable & Scalable Healthcare Platform “Cardiff Lexington has built a profitable, credible, and • Fastest Growing Sector in US Healthcare scalable growth platform • Recession Resistant supported by seasoned management and a • Underserved Patient Population p
Slide 10: Fourth Quarter & Full Year Financial Highlights
FOURTH QUARTER & FULL YEAR FINANCIAL HIGHLIGHTS Three Months Ended Twelve Months Ended 12/31/25 12/31/24 12/31/25 12/31/24 Revenue* $2,772,263 $3,120,710 $11,535,577 $8,270,126 Cost of sales $1,011,387 $1,099,863 $4,329,330 $3,841,628 Gross profit $1,760,876 $2,020,847 $7,206,247 $4,428,498 Gross ma
Slide 11: Enhanced Balance Sheet
ENHANCED BALANCE SHEET Accounts Receivable Total Assets $22.1M $29.1M $23.9M $15.9M 12.31.24 12.31.25 12.31.24 12.31.25 39.0% Increase 21.8% Increase 11
Slide 12: Long-Term Growth Strategy
LONG-TERM GROWTH STRATEGY Enhance Working Expand Grow into Contiguous Capital and Geographically into Businesses via Operational Capacity Southeast US Accretive M&A - All Nova Ortho and Spine - 11 Nova Ortho and Spine - Complementary verticals locations currently locations throughout to existing bus
Slide 13: Cardiff Lexington Corporation Q&A
we 4 CARDIFF LEXINGTON CORPORATION Q&A
Slide 14: Appendix
we 4 CARDIFF LEXINGTON CORPORATION APPENDIX
Slide 15: Reconciliation of Non-GAAP Metrics
RECONCILIATION OF NON-GAAP METRICS Three months ended Twelve months ended 12/31/25 12/31/24 12/31/25 12/31/24 Net Income (loss) before discontinued operations $(2,924,406) $(910,342) $(5,745,877) $(3,191,687) Adjustments to reconcile net income/(loss) to EBITDA Interest 2,228,102 1,241,847 6,822,816