FY25 Results Presentation 3 September 2025 Important notice and disclaimer Rick Ratliff CEO and Managing Director Sean Slattery CFO and Executive Director For personal use only FY25 Results Presentation | © 2025 MedAdvisor Solutions. All rights reserved. This presentation provides general information about MedAdvisor Solutions which is current at the date this presentation is made. This presentation is not a prospectus, product disclosure statement, or any other offering document under Australian law (and w ...

Fiscal Q4 2025 Earnings Call September 2025 Safe Harbor Forward-Looking Statements Unless otherwise noted, all numbers presented will be on an adjusted, non-GAAP basis. Reconciliation of GAAP to non-GAAP financial measures is in the appendix of this presentation. This presentation has been prepared by Zscaler, Inc. ("Zscaler") for informational purposes only and not for any other purpose. Nothing contained in this presentation is, or should be construed as, a recommendation, promise or representation by the ...

Fiscal 2026 Outlook Update - The company updated its fiscal year 2026 outlook, projecting organic net sales to decline by 6% to 4% for the enterprise and 4% to 2% for the beer business [11] - The company anticipates a reported operating income growth of 666% to 686%, but a comparable operating income decline of 11% to 9% [11] - Corporate expense is expected to be $225 million [11] - The company forecasts reported EPS of $10.77 to $11.07 and comparable EPS of $11.30 to $11.60 [11] - Operating cash flow is projected to be $2.5 billion to $2.6 billion, with free cash flow estimated at $1.3 billion to $1.4 billion [11] Market and Consumer Trends - Ongoing U S consumer demand headwinds are impacting the business, with employment in 4,000+ calorie jobs remaining pressured [12] - Consumer sentiment remains volatile and depressed [12, 13] - High-end beer buy rates are declining due to ongoing consumer headwinds [14, 15] - The company's beer brands have higher levels of exposure to the Hispanic consumer, who are showing elevated concern about personal finances and the socioeconomic environment [17, 18, 19, 20] - Hispanic consumer high-end beer buy rates are down more than the total consumer [21, 22] Business Execution - The company is gaining distribution, shelf space, and volume share across the country, with mid-single-digit percentage growth in points of distribution and approximately 30,000 Shopper First Shelf resets [24] - The company has achieved approximately $445 million in beer cost savings from fiscal year 2024 through Q1 fiscal year 2026 [25]

The forward-looking statements in this presentation reflect the Company's current expectations and projections about future events and financial trends that management believes may affect the Company's business, financial condition and results of operation. These statements are predictions based upon assumptions that may such statements taken from third party industry and market reports. BARCLAYS GLOBAL CONSUMER STAPLES CONFERENCE SEPTEMBER 2, 2025 DISCLAIMER of any such state or jurisdiction. Forward Looki ...

Barclays CEO Energy- Power Conference Chad Zamarin President and Chief Executive Officer September 2, 2025 WILLIAMS © 2025 The Williams Companies, Inc. All rights reserved NYSE: WMB I Barclays CEO Energy-Power Conference I September 2025 I www.williams.com 1 Superior growth coupled with scale & sustainability Proven execution and growth today An even brighter future ahead Earnings outperformance Consistent earnings growth Proven project execution Crisp execution on high-return expansion.. projects driving a ...

Non-GAAP Financial Measures and Metrics NYSE: SM SM-Energy.com September 2025 Investor Presentation Disclaimers Forward-looking Statements This presentation contains forward-looking statements within the meaning of securities laws. The words "believes," "demonstrate," "estimate," "expect," "intends," "plan," "predictions," "preliminary," "target," and similar expressions are intended to identify forward-looking statements. Forward-looking statements in this release include, among other things: certain proje ...

BARCLAYS GLOBAL CONSUMER STAPLES CONFERENCE SEPTEMBER 2, 2025 This presentation contains forward-looking statements, such as projected net sales, operating results, earnings, and cash flows, that are subject to known and unknown risks and uncertainties that could cause actual results to differ materially from any future results, performance, or achievements expressed or implied by those forward-looking statements. Users should understand that the risks, uncertainties, factors, and assumptions listed and dis ...

Championing a Smoke-Free World Introduction • A glossary of terms as well as adjustments, other calculations and reconciliations to the most directly comparable U.S. GAAP measures for non-GAAP financial measures cited in this presentation are available in Exhibit 99.2 to the company's Form 8-K dated February 6, 2025 and July 22, 2025 and on our Investor Relations website 2 Forward-Looking and Cautionary Statements On Track for Very Strong Year of Growth (a) At prevailing exchange rates. Source: PMI Financia ...

Transaction Overview - Equity Bancshares, Inc (EQBK) 将收购 Frontier Holdings, LLC[3, 10] - 总交易价值约为 1.228 亿美元[13] - Frontier Bank 在内布拉斯加州东部拥有 7 家分行，资产达 14 亿美元[6] Financial Impact - 预计 2027 年每股收益将增加 9.8%，成本节约约为 23%[6] - 有形账面价值回收期为 2.8 年[6, 8] - 预计 2026 年每股收益增长 7.7%[8] - 不良贷款信用评级为 1440 万美元，相当于总贷款的 1.1%[13] Pro Forma Financials - 合并后的总资产为 79 亿美元，总贷款为 56 亿美元，总存款为 63 亿美元[8] - 合并后有形普通股/有形资产比率为 8.7%[8] Strategic Rationale - 本次收购是 EQBK 自 2015 年以来宣布的第 14 次收购，也是 2025 年的第二次收购[6] - Frontier 的非利息支出预计可节省约 23%[14]

Q2 FY25 Financial Performance - Net sales reached $16 billion, a 33% year-over-year increase[30] - Comparable sales increased by 02% marking the first positive quarterly comp since 2021[30,32] - Gross margin was 360%[30] - GAAP EPS was $185, while adjusted EPS was $194[30] Fiscal Year 2025 Guidance - Net sales guidance is revised to a range of negative 30% to positive 10%, translating to $60 billion to $6265 billion[40,41] - GAAP net income is projected between $360 million and $410 million[41] - Adjusted net income is expected to be between $380 million and $430 million[41] - Adjusted free cash flow is estimated to be between $250 million and $320 million[41] Strategic Growth Initiatives - The company opened 3 new stores in Q2 2025 and plans to open an additional 11 stores in Q3[13] - ASO aims to expand its store base by 50%+ in existing and new markets[11] - New store targets include year-one sales of $12 million - $16 million with a spend of $4 million - $5 million per store in FY25 and a targeted ROIC of 20%+[15]