Summary of Conference Call for Oscar Health Company Overview - **Company**: Oscar Health - **Industry**: Health Insurance Key Points and Arguments Third-Quarter Results - The third-quarter results were impacted by weekly data fluctuations, with expectations for stability moving forward [1][2] - Full-year guidance assumes no further decay in market morbidity for 2025, based on recent data [2] Market Morbidity and Risk Scores - Members who lost subsidies and left Oscar had higher risk scores, but this group represents less than 2% of the total membership [3] - Increased utilization pressure was noted in the industry, but Oscar's utilization has stabilized and is trending down [4][5] Utilization Management - Oscar has implemented measures to ensure members receive care at appropriate sites, contributing to improved utilization metrics [5][7] - The company has seen a positive shift in care categories due to proactive engagement with providers and members [7] Pricing Strategy - Oscar's premium increase of 28% year-over-year is competitive, with the company positioned as the lowest cost in 30% of its markets [8][9] - The pricing strategy involved extensive modeling, considering market morbidity, potential market contraction, and program integrity measures [10][11] Market Dynamics and Enrollment - The company anticipates a 20-30% contraction in the marketplace due to the expiration of enhanced subsidies, affecting affordability for many members [12][24] - Oscar has expanded into approximately 70 new counties, leveraging existing network relationships to enhance visibility and performance [13][14] Open Enrollment Performance - Early indicators of open enrollment are positive, with strong engagement from brokers and creative plan designs aimed at affordability [15][16] - Retention rates are expected to be lower than previous years due to subsidy losses, but initial retention stats are promising [16][25] Enhanced Subsidies and Future Outlook - Oscar has planned for 2026 without enhanced subsidies, indicating readiness for market changes [21] - The company remains optimistic about potential bipartisan solutions to support families in affording healthcare [19][20] Capital Management - Oscar has over $1 billion in excess capital, positioning the company well for growth and potential market changes [34][36] - The recent convertible debt reduction was a strategic move to improve liquidity and financial performance [31][33] Risks and Opportunities - The primary risk for 2026 is accurately pricing market morbidity, as mispricing could impact profitability [40][41] - Despite risks, Oscar is excited about opportunities for market share growth and profitability improvements in 2026 [41][42] Additional Important Insights - The company is focusing on Individual Coverage Health Reimbursement Arrangements (ICRAs) as a growth opportunity, despite skepticism in the market [38][39] - Oscar emphasizes the importance of maintaining access to affordable healthcare for essential workers and the gig economy [27][28]

Q3'25 Investor Presentation For personal use only 10 Nov 2025 U.S. PT | 11 Nov 2025 AEDT Investor Presentation | November 2025 DISCLAIMER These materials and the accompanying oral presentation have been prepared by Life360, Inc. (ARBN 629 412 942) ("Company") on a confidential and non-reliance basis, and may not be reproduced in whole or in part, nor may any of its contents be disclosed, to any other person, without the prior written consent of the Company. These materials are for informational purposes onl ...

NYSE: DHX Q3 2025 Investor Presentation November 10, 2025 Forward looking statements This presenation and oral statements made from time to time by our representatives contain forward- looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. You should not place undue reliance on those statements because they are subject to numerous uncertainties an ...

SAFE HARBOR This presentation contains "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, any statement that may predict, forecast, indicate or imply future results, performance or achievements, and may contain words such as "guidance," "believe," "expect," "estimate," "project," "plan," "will," or words or phrases with similar meaning. Forward-looking statements s ...

03-2025 INFESTOR UPDATE Sir Peter Beck, CEO Adam Spice, CFO November 10, 2025 ROCKETLAB Forward Looking Statements This presentation may contain certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements, other than statements of historical facts, contained in this presentation, including statements regarding our expec ...

Tenax Therapeutics Conference Call Summary Company Overview - **Company**: Tenax Therapeutics (NasdaqCM:TENX) - **Focus**: Development of Levosimendan for the treatment of pulmonary hypertension with preserved ejection fraction (PH-HFpEF) [2][3] Industry Context - **Market Size**: Estimated prevalence of PH-HFpEF in the U.S. is about 2 million patients, with an additional 2 million in Europe, indicating a significant market opportunity [12][13] - **Unmet Need**: No approved therapies for PH-HFpEF exist, and some existing treatments have been harmful, highlighting a substantial unmet medical need [12][13] Core Points and Arguments - **Drug Development**: - Levosimendan is currently in phase three trials, with the first trial ongoing and a second trial expected to start soon [2][25] - The drug has been approved in over 60 countries for IV use but has not been previously studied for HFpEF in the U.S. [6][7] - Tenax's approach involves treating volume overload rather than directly targeting left ventricular compliance, which has been a common failure point in past drug developments [4][5] - **Trial Design**: - The phase two HELP trial demonstrated significant improvements in hemodynamics, specifically in wedge pressure and central venous pressure, without affecting contractility [15][16] - The primary endpoint for the phase three trials is the six-minute walk distance, which is a recognized endpoint for approval in pulmonary hypertension [17][27] - **Licensing and Rights**: - Tenax has secured a worldwide license for Levosimendan, allowing for various formulations, including oral and modified oral forms [9] - **Patient Transition**: - Transition from IV to oral formulation has shown positive outcomes, with patients reporting improved symptoms and walking distances [20][24] Additional Important Insights - **Regulatory Pathway**: The use of six-minute walk as an endpoint is seen as a straightforward regulatory path for approval, especially given the lack of existing effective therapies [17][27] - **Market Research**: Feedback from key opinion leaders (KOLs) indicates that the three-times-a-day dosing of the oral formulation is not seen as a barrier to patient compliance due to the significant symptom relief it provides [32][33] - **Future Opportunities**: There are plans for lifecycle management, including potential dosing changes to improve market penetration and patient adherence [33][34] Financial Position - **Cash Runway**: As of the last reported quarter, Tenax had over $100 million in cash, which is expected to support ongoing research and development efforts [35]

Exhibit 99.2 Q3 2025 Earnings Supplement November 2025 Disclaimer 1 Repay Holdings Corporation ("REPAY" or the "Company") is required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission ("SEC") Such filings, which you may obtain for free at the SEC's website at http://www.sec.gov, discuss some of the important risk factors that may affect REPAY's business, results of operations and financial condition. Forward-Looking Statements T ...

Q3 2025 Financial Results November 10, 2025 Q3 2025 FINANCIAL RESULTS Safe Harbor/Disclosure Statement These materials contain forward-looking statements relating to, among other things, the future performance of The RealReal that are based on the company's current expectations, forecasts and assumptions and involve risks and uncertainties. In some cases, you can identify forward-looking statements by terminology such as "may," "will," "should," "could," "expect," "plan," "anticipate," "target," "contemplat ...

November 10, 2025 FibroGen Reports Third Quarter 2025 Financial Results Forward-Looking Statements This release contains forward-looking statements regarding FibroGen's strategy, future plans and prospects, including statements regarding its commercial products and clinical programs and those of its collaboration partners Fortis and UCSF. These forward-looking statements include, but are not limited to, statements regarding the efficacy, safety, convenience, and potential clinical or commercial success of F ...

Summary of Septerna's Conference Call Company Overview - **Company**: Septerna - **Focus**: G protein-coupled receptors (GPCRs) and small molecule discovery using the Native Complex platform - **Financial Position**: Well-capitalized with an operating cash runway into at least 2029 [2][2][2] Key Programs 1. **SEP479 Program** - **Target**: Parathyroid hormone receptor agonist for hyperparathyroidism - **Clinical Development**: Anticipated entry into the clinic in the first half of next year [3][3][9] - **Pharmacodynamics**: Demonstrated ability to normalize serum calcium and phosphate levels in preclinical studies with low dosing (0.15 mg/kg) [7][7][8] - **Safety Profile**: Improved pharmaceutical properties compared to previous candidate SEP786, which was discontinued due to safety issues related to bilirubin levels [6][14][15] - **Half-Life**: Predicted human half-life of 40-80 hours, supporting once-daily dosing [7][17][17] 2. **SEP631 Program** - **Target**: MRGPRX2 negative allosteric modulator for mast cell-driven diseases, including chronic spontaneous urticaria - **Clinical Development**: Currently in phase one trial, with data expected in early 2026 [9][12][25] - **Pharmacodynamics**: Demonstrated complete inhibition of extravasation in preclinical models [11][11] - **Differentiation**: Unique profile as an insurmountable negative allosteric modulator, potentially offering a long duration of action [10][19] 3. **Thyroid-Stimulating Hormone Receptor Program** - **Target**: Graves' disease and thyroid eye disease - **Market Opportunity**: Significant unmet need with a large market size; current treatments are outdated [26][26][27] - **Mechanism**: Utilizing an insurmountable negative allosteric modulator approach to inhibit receptor activation by various antibodies [27][28] Collaborations and Financials - **Collaboration with Novo Nordisk**: Announced a significant collaboration in May, including $195 million upfront and full support for R&D costs [4][4] Market Context and Competitive Landscape - **Mast Cell Indications**: Potential to target multiple mast cell-driven diseases, with chronic spontaneous urticaria as the initial focus [21][21] - **Competitive Landscape**: Acknowledgment of a crowded market for chronic spontaneous urticaria treatments, with a focus on differentiating SEP631 from existing therapies [22][22][19] Future Outlook - **Pipeline Expansion**: The platform has broader applications for GPCRs, with potential for a deep pipeline of products targeting various therapeutic areas [29][30] - **Clinical Trials**: Plans to initiate trials for SEP631 in chronic spontaneous urticaria following successful phase one results [25][25] Conclusion - **Overall Sentiment**: Positive outlook on the progress of Septerna's programs, with a focus on advancing clinical development and addressing significant market needs in the biopharma space [30][30]