Q3 2025 Performance - Revenue from continuing operations reached $205.4 million, a 17% year-over-year increase driven by a 17% volume/mix growth[16] - Operating income significantly improved, showing a 751% year-over-year increase to $6.9 million[16] - Adjusted EBITDA from continuing operations increased by 13% to $23.6 million[16] - Adjusted earnings per share from continuing operations increased by 250% to $0.05[16] - Total debt was $265.785 million with cash and cash equivalents of $2.225 million, resulting in net debt of $263.560 million[72] Growth and Expansion - The company is investing $35 million in a new beverage and broth line at the Midlothian, Texas facility, expected to increase capacity by approximately 10%[40] - An additional $25 million is being invested in a new fruit snacks line in Omak, Washington[39] - Coffee chains are growing faster than the overall market, with emerging coffee chains growing at 28% and all coffee chains growing at 8% CAGR from 2018-2024, fueling demand for plant-based offerings[23] Financial Outlook - The company raised its revenue outlook for FY25 to $812-$816 million[37] - The adjusted EBITDA outlook for FY25 is $90-$92 million[37] - The company anticipates a year-end net leverage of 2.8x[37] Operational Challenges - Short-term supply chain challenges impacted Q3 results due to accelerated volume impact, Midlothian wastewater limitations, and delays in the margin improvement plan[28] - These temporary issues are expected to impact Q4 Adjusted EBITDA by $2 million due to Midlothian wastewater limitations, $3 million due to accelerated volume impact, $3 million due to Midlothian Q4 operations downtime, and $2 million due to prioritizing servicing accelerated demand[41, 42, 43, 44]

Q3 2025 Performance - Revenues reached $1.17 billion, a 14% year-over-year increase[10] - Adjusted EPS was $5.70, up 14% year-over-year, and 17% on a constant macro basis[10] - Organic revenue growth was 11%[10] - Adjusted EBITDA was $677 million, a 14% year-over-year increase[10] - Revenue retention improved to 92.4%[10] Segment Performance - Corporate Payments revenue grew by 17%, or 18% excluding float[10] - Vehicle Payments organic revenue growth was 10%[15] - Corporate Payments organic revenue growth was 17%[15] - Lodging Payments organic revenue declined by 5%[15] Guidance and Outlook - Q4 2025 GAAP revenue is projected between $1.225 billion and $1.245 billion, a 19% year-over-year increase[36] - Full year 2025 GAAP revenue is projected between $4.505 billion and $4.525 billion, a 14% year-over-year increase[36] - The company expects organic revenue growth of 9%-11% in 2026[41]

Financial Performance - Net sales increased by 68% to $5,745 million[11], driven by acquired businesses[19, 23] - Adjusted EBITDA increased by 92% to $909 million[11] - Adjusted EBIT increased by 85% to $687 million[11], including approximately $295 million net acquired earnings[12] - Adjusted EPS increased by 18% to 19.3 cents per share[11] - The company reaffirmed fiscal year 2026 outlook[9, 39] Synergy and Integration - Approximately $38 million in total synergies were delivered in 1Q26[15] - The company is on track to deliver at least $260 million total synergies in fiscal year 2026[13, 14, 46] and $650 million in total[14, 46] - Approximately $50-55 million synergy benefits are expected in 2Q26[15] - Berry integration is on track[9, 39] Segment Performance - Global Flexible Packaging Solutions net sales increased by 25% to $3,257 million[18], including approximately $640 million from acquired businesses[19] - Global Flexible Packaging Solutions adjusted EBIT increased by 28% to $426 million[18], including approximately $75 million from acquired businesses[19] - Global Rigid Packaging Solutions net sales increased by 205% to $2,488 million[22], including approximately $1.7 billion from acquired businesses[23] - Global Rigid Packaging Solutions adjusted EBIT increased by 365% to $295 million[22], including approximately $240 million from acquired businesses[23] Cash Flow and Leverage - Free Cash Flow use of $343 million, in line with expectations[26] - The company is on track to deliver Free Cash Flow of $1.8-$1.9 billion in fiscal year 2026[26, 29] - Leverage at approximately 3.6 times[24, 26] - The company continues to expect leverage of approximately 3.1 to 3.2 times at June 30, 2026, excluding proceeds from potential asset sales[26]

Q3 2025 Performance - Lucid achieved record quarterly revenue of $336.6 million in Q3 2025[16] - The company delivered 4,078 vehicles in Q3 2025, a 47% increase year-over-year[16, 19] - Lucid produced 3,891 vehicles in Q3 2025, up 116% year-over-year[19] - Q3 GAAP diluted net loss per share was $(3.31), while non-GAAP diluted net loss per share was $(2.65)[16] Liquidity and Investment - Lucid's total liquidity at the end of Q3 2025 was $4.2 billion[16, 29] - Subsequent to quarter end, the Public Investment Fund (PIF) and Lucid agreed to increase the delayed draw term loan credit facility (DDTL) from $750 million to approximately $2 billion, potentially increasing total liquidity to $5.5 billion[16, 29] - Uber made a $300 million strategic investment in Lucid[16, 30] Strategic Initiatives - Lucid launched a strategic collaboration with NVIDIA to develop L4 autonomy for the consumer market[16] - The company delivered the first Lucid Gravity engineering vehicles to Nuro for deployment of Uber robotaxis, with San Francisco announced as the first city in 2026[16] Financial Position - Lucid ended Q3 2025 with approximately $3.0 billion in cash, cash equivalents, investments, and equity securities[54, 55] - Net loss for Q3 2025 was $(978.4) million, compared to $(992.5) million in Q3 2024[56] - Free cash flow for Q3 2025 was $(955.5) million, compared to $(622.5) million in Q3 2024[56]

Earnings Presentation 3rd Quarter 2025 November 5th, 2025 Company Overview ACIC is a specialty underwriter of catastrophe exposed commercial property insurance. American Coastal Insurance Corp. (Nasdaq: ACIC) is the insurance holding company for American Coastal Insurance Company (AmCoastal), a Florida domiciled P&C carrier, and Skyway Underwriters (SKU), a managing general agency, along with other operating affiliates. AmCoastal is a balance sheet underwriter and has the #1 market share of commercial resid ...

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Q3 FY2025 Financial Performance - Total revenue reached $115.6 million, a 13% increase compared to $102.6 million in Q3 FY2024[10] - Average Contract Value (ACV) grew to $16,064, a 15% increase from $13,959 in Q3 FY2024[9, 10] - The company achieved a Non-GAAP Operating Margin of 12%, up from 7% in Q3 FY2024[10] - Subscription revenue accounted for 99% of the total revenue[9] - Gross profit was 78%[9] Customer Growth and Adoption - The company has approximately 30,000 customers across 100+ countries[7] - The number of customers contributing >$10k in ARR increased to 9,756 from 9,119 in Q3 FY2024[10] - The number of customers contributing >$50k in ARR increased to 1,947 from 1,610 in Q3 FY2024[10] Future Outlook - Q4 FY2025 revenue is projected to be between $118.2 million and $119.0 million, leading to a full-year FY2025 revenue between $454.9 million and $455.7 million[53] - Non-GAAP Operating Income for FY2025 is expected to be between $46.1 million and $47.1 million[53] - Non-GAAP Net Income Per Share is projected to be $0.77-$0.79 for FY2025[53] Long Term Goals - The company aims to achieve >$1 billion in revenue in the medium to longer term[62] - The company aims to achieve >80% Non-GAAP Gross Margin in the medium to longer term[62] - The company aims to achieve >20% Non-GAAP Operating Margin in the medium to longer term[62] - The company aims to achieve 20-22% Non-GAAP FCF Margin in the medium to longer term[62]

Financial Performance - Freshworks' Q3 2025 revenue reached $215.1 million, representing a year-over-year growth of 15% [24] - The company's non-GAAP income from operations for Q3 2025 was $45.2 million [38] - Freshworks generated $57.2 million in free cash flow during Q3 2025 [42] - The company anticipates revenue between $217.0 million and $220.0 million for Q4 2025, projecting a full-year 2025 revenue of $833.1 million to $836.1 million [44] Customer Base and Retention - Freshworks has nearly 75,000 paying customers across over 120 countries [13] - Net dollar retention rate for Q3 2025 was 104% [36] - Customers contributing more than $5,000 in ARR reached 24,377 in Q3 2025 [32] - The number of customers with >$50K ARR was 3,612 in Q3 2025 [32] Regional Revenue Distribution - North America accounts for 39% of Freshworks' revenue [27] - Europe, the Middle East, and Africa (EMEA) contribute 47% to the company's revenue [27]

Financial Performance - FY25 Revenue was $267.1 million, within the guidance range of $265M-$275M [14, 16] - FY25 Adjusted EBITDA was $28.8 million, also within the guidance range of $28M-$33M [14, 16] - Q4FY25 Revenue decreased by 15.3% to $71.2 million compared to $84.1 million in Q4FY24 [16, 27] - FY25 Free Cash Flow was $12.1 million, a significant decrease from $48.9 million in FY24 [16] - FY25 Adjusted EBITDA decreased by 48% to $28.8 million compared to $55.3 million in FY24 [16, 27] Segment Performance - Enterprise Division revenue for FY25 was $188.1 million, a 9.6% decrease compared to $208.1 million in FY24 [31, 35] - Education Division revenue for FY25 was $74.6 million, a slight increase of 0.5% compared to $74.2 million in FY24 [31, 37] - Enterprise Division's Q4FY25 revenue decreased by 21.6% to $45.7 million compared to $58.2 million in Q4FY24 [31, 35] - Education Division's Q4FY25 revenue remained relatively flat at $24.4 million compared to $24.4 million in Q4FY24 [31, 37] Deferred Revenue - Q4FY25 Deferred Subscription Revenue Balance was $111.7 million, compared to $107.9 million in Q4FY24 [16]

Third Quarter 2025 Earnings November 5, 2025 Today's Presenters Barry McCarthy President and Chief Executive Officer Chip Zint Senior Vice President and Chief Financial Officer Brian Anderson © 2025 Deluxe Corporation Brian Anderson Vice President, Strategy & Investor Relations 2 Vice President, Strategy & Investor Relations 3 Cautionary Statement Statements made in this presentation regarding Deluxe, the company's,or management's intentions, expectations, outlook, or predictions about future results or eve ...