Q3 2025 Earnings Call November 5, 2025 Forward-Looking Statements During the course of this presentation and question-and-answer session, there will be forward-looking statements regarding future events, performance, plans, expectations and other projections, including those relating to: Actual events or results could differ materially; refer to the discussion under the heading "Risk Factors" in Geron's most recent periodic report filed with the SEC, which identifies important factors that could cause actua ...

Financial Performance - Q3 2025 revenue reached €355 million, a 2% year-over-year increase[8] - Q3 2025 gross margin was 398%, showing a 200 basis point sequential improvement[8] - Adjusted EBITDA loss for Q3 2025 was €69 million[8] - Q3 2025 cash costs decreased by 34% year-over-year[10] - Q3 2025 adjusted EBITDA loss improved by 8% quarter-over-quarter[20] Revenue Breakdown - Europe accounted for 66% of Q3 2025 revenue, totaling €236 million[11] - North America contributed 31% of Q3 2025 revenue, amounting to €110 million[11] - LATAM represented 2% of Q3 2025 revenue, with €725k[11] - APAC accounted for 1% of Q3 2025 revenue, totaling €158k[11] - DC sales accounted for 16% of Q3 2025 revenue, totaling €58 million[13] - AC sales accounted for 63% of Q3 2025 revenue, totaling €224 million[13] - Software, Services & Others accounted for 21% of Q3 2025 revenue, totaling €73 million[13] Financial Position - Q3 2025 cash and cash equivalents and financial investments totaled €277 million[24] - Q3 2025 loans and borrowings amounted to €179 million[24] - Q3 2025 consolidated inventory decreased by 34% year-over-year[24]

INVESTOR PRESENTATION FY26 Q2 November 2025 Disclaimer CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS: Certain information contained in this presentation constitutes forward-looking statements under applicable securities laws. Any statements that are contained in this presentation that are not statements of historical fact may be deemed to be forward-looking statements. Forward looking statements are often identified by terms such as "may", "should", "anticipate", "expect", "potential", "believe", "in ...

Financial Performance - Assurant's YTD 2025 adjusted EBITDA, excluding catastrophes, increased by 13% compared to the prior year period[11] - Assurant's YTD 2025 adjusted EPS, excluding catastrophes, increased by 15% compared to the prior year period[11] - Assurant generated $487 million in cash YTD 2025[11] - Assurant returned $331 million to shareholders YTD 2025, including share repurchases and common stock dividends[11] - Assurant Q3 2025 adjusted EBITDA, excluding catastrophes, increased by 13% to $434 million, compared to $385 million in Q3 2024[41] - Assurant Q3 2025 adjusted EPS, excluding catastrophes, increased by 13% to $576 per share, compared to $508 per share in Q3 2024[41] Segment Performance - Global Lifestyle adjusted EBITDA increased by 6% on a constant currency basis YTD 2025[20] - Global Housing adjusted EBITDA, excluding catastrophes, increased by 21% YTD 2025, reaching $773 million compared to $641 million in the prior year period[22, 25] - Global Housing combined ratio for YTD 2025 was 78%, or 83% excluding prior year development[27] Outlook and Capital Allocation - Assurant is increasing its 2025 enterprise outlook to low double-digit growth in adjusted EPS and approaching 10% growth in adjusted EBITDA, both excluding catastrophes[13] - Assurant repurchased $81 million in shares in Q3 2025, with an additional $27 million repurchased between October 1 and October 31[42]

Kinross Gold Corporation (NYSE: KGC; TSX: K) Delivering Value. Third Quarter 2025 Results November 5th, 2025 Third Quarter 2025 Kinross Gold Corporation (NYSE: KGC; TSX: K) Where we say "we", "us", "our", the "Company", or "Kinross" in this presentation, we mean Kinross Gold Corporation and/or one or more or all of its subsidiaries, as may be applicable. The technical information about the Company's mineral properties contained in presentation has been prepared under the supervision of Mr. Nicos Pfeiffer wh ...

Financial Performance - Royalty Pharma achieved double-digit growth in Royalty Receipts, up by 11% year-over-year[9], and Portfolio Receipts, also up by 11% year-over-year[9] - The company's Return on Invested Capital (ROIC) was 157% and Return on Invested Equity (ROIE) was 229% for the last twelve months (LTM) ending in Q3 2025[9] - For FY 2025, Portfolio Receipts are expected to be between $3200 million and $3250 million, excluding future investments, representing a growth of approximately 14% to 16%[10] Capital Allocation - Royalty Pharma deployed $1 billion in capital during Q3 2025, bringing the total to $17 billion for the first nine months of the year[9] - The company repurchased 4 million shares for $152 million in Q3 2025, and a total of 35 million shares for $115 billion in the first nine months[9] Portfolio Updates - Royalty Pharma acquired a royalty on Amgen's Imdelltra for up to $950 million, including $885 million upfront, projecting consensus sales of approximately $27 billion by 2035[19, 20] - The company acquired a 1% royalty on Alnylam's Amvuttra for $310 million, with consensus sales projected to reach approximately $84 billion in 2030[23, 24] - A funding agreement was established with Zenas for obexelimab, providing up to $300 million in funding[9, 27]

Financial Performance - Q3 2025 revenue reached $1.137 billion, a 10% increase compared to $1.030 billion in Q3 2024[32] - Organic constant currency (CC) revenue growth was 9%, driven by a 20% increase in U S Farm Animal and a 9% increase in U S Pet Health[9, 12] - Adjusted EBITDA for Q3 2025 was $198 million, up 21% from $163 million in Q3 2024[34] - Adjusted earnings per share (EPS) increased by 46% to $0 19, compared to $0 13 in Q3 2024[34] Innovation and Portfolio - Year-to-date (YTD) innovation revenue contribution was $655 million, with the 2025 target raised to $840-$880 million[9, 15] - Innovation sales target raised to deliver an incremental $840-$880 million, compared to $275 million in 2024[14, 15] Financial Guidance and Outlook - The company is increasing expected organic CC revenue growth to 6%-6 5%, with adjusted EBITDA of $880-$900 million and adjusted EPS of $0 91-$0 94 for 2025[10] - Full year revenue guidance is $4 645 - $4 670 billion, expecting 6%-6 5% organic CC growth[54] - The company expects an end-of-year net leverage ratio of 3 7x-3 8x[9, 41] Debt and Capital Allocation - Net debt decreased by $153 million in Q3 2025[41] - Refinanced $2 1 billion Term Loan B, extending maturity and lowering the cost of debt[9, 51]

November 5, 2025 Golar LNG Limited 2025 I Forward looking statements This press release contains forward-looking statements (as defined in Section 21E of the Securities Exchange Act of 1934, as amended) which reflects management's current expectations, estimates and projections about its operations. All statements, other than statements of historical facts, that address activities and events that will, should, could or may occur in the future are forward-looking statements. Words such as "if," "subject to," ...

Financial Performance - Gross Written Premium (GWP) increased to $311.2 million[21] - Net Written Premium (NWP) reached $117.9 million[21] - Net Loss Ratio is 48%[4] - Net Combined Ratio is 100%[4] - Net income was $98.1 million[4] - Adjusted Net Income was $18.3 million[4] - Book Value Per Share (BVPS) grew 14% compared to year-end 2024, reaching $16.64[4, 27] Growth and Diversification - The company has a total of 36 programs, including 6 new programs[4, 11] - Westwood integration saw first policies bound in October 2025[12] - CMP & Casualty GWP grew by 130% compared to Q3 2024[12] Underwriting Improvements - Loss Ratio improved by 25 percentage points due to Westwood Integration[12] - Combined Ratio improved by 28 percentage points due to Westwood Integration[12] - Combined Ratio improved by 27.9 percentage points compared to Q3 2024[23] Future Outlook - The company projects 2025 Gross Written Premium between $1.09 billion and $1.11 billion[28] - The company projects 2025 Adjusted Net Income between $10 million and $14 million[28]

Financial Performance & Guidance - Dynatrace's Annual Recurring Revenue (ARR) reached $1.90 billion[39] - The Q2 2026 subscription revenue mix was at 96%[39] - The company's gross retention rate was in the mid-90s percentage range[39] - The TTM Q2-26 Non-GAAP operating margin was 29%[39] - ARR growth year-over-year was 16%[39] - The net retention rate was 141%[39] - The TTM Q2-26 pre-tax Free Cash Flow (FCF) margin was 32%[39] - The FY26 ARR guidance is $2010 - $2025 million, representing a 14%-15% growth in constant currency[57] - The FY26 total revenue guidance is $1985 - $1995 million, representing a 15%-15.5% growth in constant currency[57] - The FY26 subscription revenue guidance is $1898 - $1908 million, representing a 15%-15.5% growth in constant currency[57] Market Opportunity - The total addressable market (TAM) for observability and security is large and growing, with observability at $85 billion and security at $14 billion[29]