Pure Health Holding Pjsc · ADX:PUREHEALTH
Pure Health Holding Pjsc — PureHealth — 9M 2025 Earnings Presentation
35 slides from Pure Health Holding Pjsc's earnings presentation, October 2025
Slide 1: Earnings Presentation 9M 2025
Earnings Presentation 9M 2025 - October 2025
Slide 2: Disclaimer
Disclaimer This presentation has been prepared by PureHealth (the “Company”) for general use only and is not necessarily comprehensive as it has not been independently verified, nor is it considered or constitutes part of any invitation or inducement to engage in any investment activity, nor does it
Slide 3: Contents
Contents Performance and Operational Highlights 4 Overview & Strategy 7 Segment Review 12 Financial Review 19 Outlook & Guidance 25 Appendix 27
Slide 4: 9M 2025 Performance Highlights
9M 2025 Earnings Presentation 9M 2025 Performance Highlights Solid performance in 9M 2025 underpinned by a strong Q3, with significant contributions from both Care and Cover verticals Group Financial Results (YoY) Care (Healthcare) Cover (Insurance) Hospitals Diagnostics Procurement Technology Healt
Slide 5: Q3 2025 Key Highlights
9M 2025 Earnings Presentation Q3 2025 Key Highlights Accelerating growth through strategic acquisitions, strong collaboration and continuous innovation elevating clinical excellence, specialized care, and regional reach Care (Healthcare) Acquisition of Hellenic Healthcare Group SEHA Partnership with
Slide 6: Q3 2025 Key Highlights
9M 2025 Earnings Presentation Q3 2025 Key Highlights Accelerating growth through strategic acquisitions, strong collaboration and continuous innovation elevating clinical excellence, specialized care, and regional reach Care (Healthcare) Cover (Insurance) Landmark Achievements in Complex Care Rafed
Slide 7: Overview & Strategy
Overview & Strategy
Slide 8: A Transformation Leader Across Healthcare and Insurance
9M 2025 Earnings Presentation A Transformation Leader Across Healthcare and Insurance Sustaining Market Leadership Across Our Expanding Footprint UAE’s Largest UK’s Largest Largest Private Healthcare UAE’s Largest Healthcare Group Private Healthcare Group Group in Greece & Cyprus Health Insurer Circ
Slide 9: Strategy Focused on Growth, a Patient-Centered Ecosystem and Technological Enablement
9M 2025 Earnings Presentation Strategy Focused on Growth, a Patient-Centered Ecosystem and Technological Enablement Solidify Growth Unlocking Growth Through Strategic Expansions In Core Platforms Digital and AI Enablement through M&A • Market share expansion across key • Monetizing patient ecosystem
Slide 10: Continued International Expansion via Strategic Entry into Greece and Cyprus
9M 2025 Earnings Presentation Continued International Expansion via Strategic Entry into Greece and Cyprus Successful Completion of the HHG Acquisition, to be Consolidated from Q4 2025 Largest Private Healthcare Operator in Greece & Cyprus 35% 24% Shareholding Structure Market Share Market Share Abo
Slide 11: Continued International Expansion via Strategic Entry into Greece and Cyprus
9M 2025 Earnings Presentation Continued International Expansion via Strategic Entry into Greece and Cyprus Key Drivers, Market Dynamics, And Strategic Rationale Underpinning The HHG Acquisition Demographic Tailwinds Market Leadership and Integration Greece has one of Europe’s fastest-aging populatio
Slide 12: Segment Review
Segment Review
Slide 13: Care: Strong Growth Across Key Metrics
9M 2025 Earnings Presentation Care: Strong Growth Across Key Metrics Healthcare Outpatient Volumes Inpatient Volumes (in Thousands) (in Thousands) +9% 165 151 +12% 6,777 +13% 56 50 Q3 2024 Q3 2025 9M 2024 9M 2025 +10% 6,047 2,345 Radiology Volumes (in Thousands) +10% +11% 1,617 2,140 558 1,474 500 Q
Slide 14: UAE Care: Growth in Demand Driving Improved Bed Utilization
9M 2025 Earnings Presentation UAE Care: Growth in Demand Driving Improved Bed Utilization Healthcare Outpatient Volumes Surgeries Volumes (in Thousands) +16% +16% 54,038 5,241 +20% 4,537 46,482 +12% 19,497 1,836 16,269 1,638 Q3 2024 Q3 2025 9M 2024 9M 2025 Q3 2024 Q3 2025 9M 2024 9M 2025 Total of c.
Slide 15: UAE Care: Strong Growth Across Key Metrics
9M 2025 Earnings Presentation UAE Care: Strong Growth Across Key Metrics Healthcare UAE Radiology Volumes UAE Lab Volumes (in Thousands) (in Millions) +14% +12% 384 1,089 335 969 +20% 25.8 +21% 8.8 Q3 2024 Q3 2025 9M 2024 9M 2025 UAE Prescriptions Dispensed 21.5 7.3 (in Thousands) +17% 2,191 +9% 735
Slide 16: UAE Care: Patient-Driven Growth Supported by Service Expansion
9M 2025 Earnings Presentation UAE Care: Patient-Driven Growth Supported by Service Expansion Healthcare Revenue (in AED Mn) Commentary +2% • UAE Care delivered a 2% top-line growth in 9M FY25 9,416 9,571 driven by higher patient volumes supported by -8% capacity expansion, new clinic openings, exten
Slide 17: UK Care: Robust Growth in Core Specialties
9M 2025 Earnings Presentation UK Care: Robust Growth in Core Specialties Healthcare Total Patient Interactions1 Revenue (in Thousands) (in GBP Mn) +2% +4% 1,558 1,584 996 957 +1% +4% 518 525 316 330 Q3 2024 Q3 2025 9M 2024 9M 2025 Q3 2024 Q3 2025 9M 2024 9M 2025 Commentary EBITDA / Margin • Circle d
Slide 18: Cover: Strong Results Across All Metrics
9M 2025 Earnings Presentation Cover: Strong Results Across All Metrics Insurance Gross Written Premium Claims Processed Members Insured (in AED Bn) (in Millions) (in Millions) +7% +6% 5.5 5.9 40.6 38.4 +7% 3.3 3.1 9M 2024 9M 2025 9M 2024 9M 2025 Solvency Ratio % Investment Income (in AED M) 222% 195
Slide 19: Financial Review
Financial Review
Slide 20: Group: Robust Revenue Growth Trajectory with Higher Margins
9M 2025 Earnings Presentation Group: Robust Revenue Growth Trajectory with Higher Margins Commentary AED Mn Q3 2024 Q3 2025 Δ% 9M 2024 9M 2025 Δ% • Group revenue maintained strong momentum through Q3, contributing to a strong YoY performance for 9M 2025. • EBITDA increased by 11% YoY to AED 3.5 bill
Slide 21: Care: Revenue & EBITDA Growth Supported by Capacity Expansion
9M 2025 Earnings Presentation Care: Revenue & EBITDA Growth Supported by Capacity Expansion Healthcare Commentary AED Mn Q3 2024 Q3 2025 Δ% 9M 2024 9M 2025 Δ% • Group healthcare revenue grew by over 3% in 9M 2025, primarily driven by higher patient and diagnostics volumes, supported by ongoing capac
Slide 22: Cover: Sustained Revenue Growth with Improved Margins
9M 2025 Earnings Presentation Cover: Sustained Revenue Growth with Improved Margins Insurance Commentary AED Mn Q3 2024 Q3 2025 Δ% 9M 2024 9M 2025 Δ% • Strong growth in the Insurance segment was driven by renewals and new customer acquisitions, underscoring continued market momentum. Revenue 1,748 1
Slide 23: Strong Growth in Free Cash Flow
9M 2025 Earnings Presentation Strong Growth in Free Cash Flow AED Mn 9M 2024 9M 2025 Working Capital Changes 9M 2025 EBITDA 3,126 3,470 (in AED Mn) 1 Change in Net Working Capital (2,521) (2,404) Inventories (147) 831 629 Due from related parties (286) Other operating activities Trade and other rece
Slide 24: Strong Financial Position Supporting Strategic, Value-Driven Investments
9M 2025 Earnings Presentation Strong Financial Position Supporting Strategic, Value-Driven Investments Commentary Total Assets (AED Bn) Cash & Bank Balance (AED Bn) Net Debt / EBITDA • The balance sheet remains strong, with a Net Debt to EBITDA ratio of 1.3x. 49.5 8.3 1.3x • After accounting for lea
Slide 25: Outlook & Guidance
Outlook & Guidance
Slide 26: On Track Toward Medium-Term Strategic and Financial Targets
9M 2025 Earnings Presentation On Track Toward Medium-Term Strategic and Financial Targets 2 Revenue International EBITDA CAPEX as % Net Debt 1 Growth Revenue Share Margin of Revenue / EBITDA 9M 2025 Results +6% 23.9% 17.3% 2.5% 1.3x Medium-Term Target Mid-to High Teens c. 50% Low 20s <5% 3.0x (2025-
Slide 27: Appendix
Appendix
Slide 28: Overview of Our Integrated Portfolio of Healthcare Assets
9M 2025 Earnings Presentation Overview of Our Integrated Portfolio of Healthcare Assets Care (Healthcare) Cover (Insurance) Hospitals Diagnostics Procurement Technology Health Insurance 1 9M 2025 Segment Value & Contribution in % Revenue AED 14,637 Mn (57%) AED 847 Mn (3%) AED 3,890 Mn (15%) AED 711
Slide 29: Built to Scale: A Platform for Global Growth and Strategic Value Creation
9M 2025 Earnings Presentation Built to Scale: A Platform for Global Growth and Strategic Value Creation Enabling Expansion through Clinical Excellence, Cost Synergies, and Strategic Positioning Digital Infrastructure • Positioning PureHealth as a Clinical & Digital Uplift world-class, future-ready h
Slide 30: Sub-Specialty and Complex Care with Strong Clinical Performance
9M 2025 Earnings Presentation Sub-Specialty and Complex Care with Strong Clinical Performance Transplants Paediatric Pacemaker 23 Liver and 97 Kidney Transplants carried out in 9M 2025 with A 12-year-old child presenting with a critically low heart rate (30–40 a total of 768 Kidney Transplants since
Slide 31: Q3 2025 Additional Key Highlights
9M 2025 Earnings Presentation Q3 2025 Additional Key Highlights Accelerating growth through strategic acquisitions, strong collaboration and continuous innovation elevating clinical excellence, specialized care, and regional reach Care (Healthcare) Cover (Insurance) SEHA Clinics Recognition at Arab
Slide 32: Balance Sheet
9M 2025 Earnings Presentation Balance Sheet AED Mn FY 2024 9M 2025 Δ% Total Non-Current Assets 25,844 27,787 8% Right of use assets 11,019 11,200 2% Intangible Assets 8,644 8,839 2% Property & equipment 3,277 3,240 -1% Other non-current assets 2,904 4,508 55% Total Current Assets 22,731 21,681 -5% T
Slide 33: Income Statement
9M 2025 Earnings Presentation Income Statement AED Mn Q3 2024 Q3 2025 Δ% 9M 2024 9M 2025 Δ% Revenue 6,452 6,527 1% 18,956 20,101 6% Cost of sales (4,539) (4,714) 4% (14,019) (14,979) 7% Gross profit 1,913 1,813 -5% 4,937 5,122 4% G&A expenses incl. selling & distribution (1,255) (1,355) 8% (3,115) (
Slide 34: Cash Flow Statement
9M 2025 Earnings Presentation Cash Flow Statement AED Mn Q3 2024 Q3 2025 Δ% 9M 2024 9M 2025 Δ% Net Profit for the period before tax 472 569 21% 1,528 1,744 14% Non-cash Adjustments 645 529 -18% 1,764 1,684 -5% 1 Working Capital Changes 244 304 24% -2,521 -2,404 -5% Employees’ end of service benefits
Slide 35: Investor Relations
Investor Relations purehealth.ae/investor-relations ir@purehealth.ae