Shareholder Update Fourth Quarter & Full Year 2025 February 17, 2026 eToro Group Ltd. Disclaimers This Presentation Relates to eToro's Broader Earnings Announcement Disclosures This presentation includes key performance indicators that eToro's management uses to help evaluate the business, measure its performance, identify trends, prepare financial projections and make business decisions. eToro's key performance indicators include Funded Accounts, Assets Under Administration and Net Contribution. Definition ...

Core Insights - eToro Group Ltd. reported a record net contribution of $868 million for 2025, reflecting a 10% year-over-year increase, with $227 million generated in Q4 alone [1][8] - The company announced a $100 million increase to its share repurchase program, bringing the total authorization to $150 million [1][11] - eToro's assets under administration (AUA) grew by 11% year-over-year to $18.5 billion [1][10] Financial Performance - For Q4 2025, net income (GAAP) increased by 16% year-over-year to $69 million, while adjusted net income (Non-GAAP) rose by 6% to $70 million [8][21] - Adjusted EBITDA (Non-GAAP) for Q4 decreased by 19% year-over-year to $87 million [8] - Full-year net income (GAAP) increased by 12% to $216 million compared to $192 million in 2024 [8] User Growth and Market Activity - Funded accounts increased by 9% year-over-year to 3.81 million [10] - Total number of trades in January 2026 was 74 million, up 55% year-over-year, with an invested amount per trade of $252, an 8% increase [10] - eToro expanded its trading offerings, now providing access to equities from 25 stock exchanges and over 150 cryptoassets [10][15] Strategic Initiatives - eToro is focusing on product innovation and AI adoption, with plans to launch an eToro App Store to enhance user capabilities [2][3] - The company is positioning itself for a financial system increasingly moving on-chain, leveraging its leadership in crypto and tokenization [4][5] - eToro's partnerships, including a multi-year deal with BWT Alpine Formula 1, aim to enhance brand presence and user engagement [15] Financial Health - As of December 31, 2025, eToro reported cash, cash equivalents, and short-term investments totaling $1.3 billion [10] - The company demonstrated strong financial performance through diversified revenue streams and disciplined financial management [5]