Q3 2025 Earnings Conference Call November 6, 2025 This presentation includes references to calculations that are not based on generally accepted accounting principles ("GAAP"). Reconciliations of each of those non-GAAP measures to the most directly comparable GAAP measures have been included in the Appendix. When forward-looking non-GAAP measures are provided, the Company does not provide quantitative reconciliations of forward-looking non-GAAP measures to the most directly comparable GAAP measures, because ...

Investor Presentation THIRD QUARTER 2025 RESULTS NOVEMBER 6, 2025 Cautionary Statement Regarding Forward-Looking and non-GAAP Financial Information This presentation contains "forward-looking statements" within the meaning of U.S. federal securities laws. Such statements include those relating to estimated and projected financial condition, results of operations, costs and expenditures and objectives for future operations, growth, initiatives and strategies. They also include those related to the Montauk Ag ...

Financial Performance - Onity reported a strong third quarter in 2025, with an Adjusted Return on Equity (ROE) of 25%[12], exceeding the 16-18% guidance[10, 12] - The company's book value per share increased by $2 QoQ and $2.71 YoY, reaching $62.21[12] - Onity achieved $31 million in Adjusted Pre-Tax Income (PTI) for the third quarter of 2025[12] - The company's GAAP Diluted Earnings Per Share (EPS) was $2.03, resulting in a GAAP ROE of 14%[12] Servicing Portfolio - The total servicing Unpaid Principal Balance (UPB) reached $316 billion in Q3 2025[12, 77] - Owned Mortgage Servicing Rights (MSR) UPB grew QoQ and YoY, reinforcing the company's focus on growth[19] - The company is actively managing its MSR portfolio, with client deboarding primarily driven by opportunistic MSR sales due to favorable market pricing[22, 23] Originations - Originations volume increased by 39% YoY, exceeding the industry growth of 16%[12, 24, 25] - Onity's multi-channel strategy in Originations focuses on B2B and customer retention[27] - The company's refinance recapture rate is 1.9x the industry average[30] Subservicing - Onity has a robust pipeline of subservicing opportunities, with 9 new clients signed in FY'25 and 6 agreements under contract negotiation[35] - The company is capitalizing on commercial expansion opportunities, with UPB +9% QoQ and +32% YoY[35] AI and Technology - Onity is expanding its AI-powered platform to grow revenue, reduce costs, and drive service excellence[36] - Robotic Process Automation (RPA) in 200+ processes saves 85,000+ manual work hours per month[40]

Financial Performance - Net sales decreased by 50% year-over-year, reaching $904 million in Q3 2025 compared to $951 million in Q3 2024[9] - Constant currency net sales decreased by 80%, including a 55% impact from Q3 2024 Byte impact and ERP pre-buy[14, 16] - Adjusted EBITDA margin increased by 50 bps year-over-year to 184%[9, 11, 16] - Adjusted EPS decreased by 265% year-over-year to $037[9, 12, 16] - Operating cash flow was $79 million[9, 13] Segment Results - Connected Technology Solutions (CTS) sales decreased by 39% as reported and 70% in constant currency[17] - Essential Dental Solutions (EDS) sales decreased by 34% as reported and 62% in constant currency, primarily due to a $24 million Q3 2024 pre-buy[17] - Orthodontic and Implant Solutions (OIS) sales decreased by 150% as reported and 171% in constant currency, impacted by a ~$30 million Byte year-over-year impact[17] - Wellspect Healthcare sales increased by 156% as reported and 93% in constant currency[17] Geographic Performance - U S net sales decreased by 222% in constant currency, including a 125% impact from Q3 2024 Byte impact and ERP pre-buy, reaching $291 million[16] - Europe net sales increased by 26% in constant currency, reaching $382 million[16] - Rest of World net sales decreased by 09% in constant currency, reaching $231 million[16] Revised Outlook - The company revised its 2025 constant currency outlook to a decline of 5% to 4%[19] - The company maintains its reported sales outlook at $36 billion - $37 billion[19] - The company revised its adjusted EBITDA margin outlook to >18%[19] - The company revised its adjusted EPS outlook to ~$160[19]

Q3 2025 | INVESTOR PRESENTATION November 6, 2025 Disclaimer This presentation includes "forward-looking statements" within the meaning of the safe harbor provisions of the United States Private Securities Litigation Reform Act of 1995, including as related to the expected impact (including related to Chimera's future earnings) of Chimera's acquisition of HomeXpress. Actual results may differ from expectations, estimates and projections and, consequently, readers should not rely on these forward-looking stat ...

Q1 2025 Earnings Call Presentation Q3 2025 Earnings Call Presentation Matt Calkins, Founder & CEO Mark Lynch, Interim CFO Matt Calkins, CEO Serge Tanjga, CFO Disclaimer. In this presentation, we may make statements related to our business that are forward-looking statements under federal securities laws and are made pursuant to the Safe Harbor provisions of the Private Securities Litigation Reform Act of 1995, including statements related to our financial results, trends and guidance for the fourth quarter ...

Krispy Kreme, Inc. THIRD QUARTER 2025 EARNINGS PRESENTATION NOVEMBER 6, 2025 Krispy Kreme | 3Q25 Earnings 1 Cautionary Note Regarding Forward-Looking Statements Certain statements made in this presentation and on the conference call that this presentation accompanies are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of forward-looking terminology, including terms such as "plan," "believe," "may," ...

Business Overview - The company operates with iconic brands, approximately 120 resorts, and serves around 700,000 owner families[9] - The company's business model includes timeshare and exchange products, multiple brands, perpetual sales centers, and a capital-efficient development model[10] - Approximately 40% of the company's Adjusted EBITDA comes from recurring sources[12, 75] Financial Performance and Guidance - In 2024, the Segment Adjusted EBITDA for Exchange and Third-Party Management was $102 million, with a 46% margin[20] - The company anticipates $150 million to $200 million in annualized Adjusted EBITDA benefits by 2026 through strategic modernization[27, 75] - The company's full year 2025 guidance includes contract sales of $1,760 million to $1,780 million, Adjusted EBITDA of $740 million to $755 million, and Adjusted Free Cash Flow of $235 million to $270 million[70] Growth Strategies - The company aims to drive vacation ownership growth by leveraging strong license relationships[45] - The company is investing in digital capabilities to drive sales and efficiency, with 49% of 2024 tour packages sold digitally and 14% of 2024 contract sales sold non-traditionally[48, 49] - The company is focused on adding first-time buyers, with approximately 95,000 first-time buyers added in the last 5 years[57]

Third Quarter 2025 Results November 6, 2025 This presentation includes forward-looking statements, including forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. Such forward- looking statements include, but are not limited to, statements concerning Enovis' plans, goals, objectives, outlook, expectations and intentions, and other statements that are not historical or current fact. Forward-looking statements and are based on Enovis' current expectations ...

Financial Performance - Net sales reached $69 million, a 5.6% increase compared to Q1 FY25[21, 23] - Adjusted EBITDA was $6.7 million, up $2.9 million from $3.8 million in Q1 FY25[21, 23] - Adjusted diluted net income per share was $0.28, an increase of $0.16 from $0.12 in Q1 FY25[21, 24] Balance Sheet and Capital Allocation - The company maintains a strong financial position with approximately $67 million in cash and investments and no debt[21] - The company returned $2.3 million of capital through a share repurchase program[21] - Capital expenditures (TTM) were $10.1 million[27] - Share repurchases (TTM) amounted to $8.4 million[27] Operational Highlights - Wholesale units totaled 565, a 2.5% increase from 551 in Q1 FY25[23] - Dealer inventories decreased by approximately 26% year-over-year and approximately 40% from FY19[21] FY26 Guidance - The company expects Q2 FY26 net sales to be approximately $69 million[30] - The company expects Q2 FY26 adjusted EBITDA to be approximately $5 million[30] - The company expects Q2 FY26 adjusted DEPS to be approximately $0.16[30] - The company anticipates FY26 net sales to be between $295 million and $310 million[30] - The company anticipates FY26 adjusted EBITDA to be between $30 million and $35 million[30] - The company anticipates FY26 adjusted DEPS to be between $1.18 and $1.43[30] - The company anticipates FY26 capital expenditures to be approximately $9 million[30]