3rd Quarter 2025 Earnings Release Presentation November 6, 2025 Available Information On November 6, 2025, Consolidated Edison, Inc. issued a press release reporting its third quarter 2025 earnings and filed with the Securities and Exchange Commission the company's third quarter 2025 Form 10-Q. This presentation should be read together with, and is qualified in its entirety by reference to, the earnings press release and the Form 10-Q. Copies of the earnings press release and the Form 10-Q are available at: ...

WHEN YOUR PATH IS UNCLEAR, WE POINT THE WAY. Nasdaq: CLPT November 2025 DISCLAIMER This presentation and discussion contain forward - looking statements within the context of the federal securities laws, including the Company's expectation for revenues, gross margin, the adequacy of cash and cash equivalent balances to support operations and meet future obligations, the future market of the Company's products and services, the Company's belief about the outcome of regulatory interactions with respect to its ...

Financial Performance - Consolidated diluted earnings per share increased by $0.11, or 11.6%, for Q3 2025, reaching $1.06 per share compared to $0.95 per share in Q3 2024[12, 13] - Year-to-date diluted earnings per share increased by $0.21, reaching $2.63 per share in 2025 compared to $2.42 per share in 2024[12, 20] - Total operating revenues increased to $182.7 million in Q3 2025 from $161.7 million in Q3 2024, a variance of $21.0 million[14] Segment Performance - Water segment earnings were $0.86 per share in Q3 2025, up from $0.84 per share in Q3 2024[13] - Electric segment earnings increased to $0.04 per share in Q3 2025 from $0.02 per share in Q3 2024[13] - Contracted Services (ASUS) earnings rose to $0.19 per share in Q3 2025 from $0.11 per share in Q3 2024[13, 35] Regulatory and Capital Investment - Regulated utilities are on pace to invest between $180 million and $210 million for the year[12, 21] - GSWC is authorized to invest $573.1 million in capital infrastructure over the three-year capital cycle (2025-2027)[25, 29] - BVES is authorized to invest $75.6 million in capital infrastructure over the four-year rate cycle[31] Other Key Points - ASUS was awarded $28.7 million in new capital upgrade construction projects through year-to-date September 2025, to be completed through 2028[12, 35] - The Board of Directors approved a fourth-quarter cash dividend of $0.5040 per share, reflecting an 8.5% compound annual growth rate over the last 5 years[38, 37]

Company Overview - As of September 30, 2025, CareTrust REIT's real estate portfolio has grown to 390 net-leased healthcare properties across 31 states and the United Kingdom, consisting of 35,687 operating beds/units[15] - CareTrust REIT also had 23 other real estate related investments related to 143 healthcare properties across 17 states and the United Kingdom, consisting of 14,082 operating beds/units and one financing receivable related to 46 properties in one state consisting of 3,820 operating beds/units[15] - The company's total investments reached $4,812.044 million, with a current yield of 9.7%[29] Portfolio Composition - Skilled Nursing Facilities (SNF) constitute 46.9% of the total investment, amounting to $2,255.078 million with a current yield of 10.6%[29] - UK Care Homes represent 19.3% of the total investment, totaling $930.768 million with a current yield of 7.4%[29] - Multi-Service Campuses account for 10.5% of the total investment, with a value of $503.626 million and a current yield of 9.7%[29] Financial Performance - For the three months ended September 30, 2025, the company reported rental income of $104.265 million[51] - Net income attributable to CareTrust REIT, Inc for the three months ended September 30, 2025, was $74.901 million, or $0.35 per share on a diluted basis[51] - Normalized FFO attributable to CareTrust REIT, Inc for the quarter ended September 30, 2025, was $94.677 million[53] Tenant Diversification - The Ensign Group is the largest tenant, contributing 24.8% of total rent with $92.102 million[32] - The top 5 tenants account for 55.7% of total rent, amounting to $207.260 million[32]

Financial Performance - The company's net income for the third quarter of 2025 was $18.4 million, resulting in earnings per share (EPS) of $0.09 [29] - This compares to a net income of $15.6 million and EPS of $0.08 in the third quarter of 2024 [29] - Income from continuing operations for the third quarter of 2025 was also $18.4 million, with an EPS of $0.09, compared to $64.6 million and $0.32 in 2024 [29, 30] Business Segment Performance - The Electric Utility segment reported earnings of $21.5 million in the third quarter of 2025, down from $24.3 million in 2024, impacted by increased operation and maintenance expenses [34, 35] - The Natural Gas Utility segment experienced a seasonal loss of $18.2 million in the third quarter of 2025, compared to a loss of $17.5 million in 2024, with rate relief partially offsetting seasonal losses and a 1.6% year-over-year increase in natural gas customer count [37, 38] - The Pipeline segment reported earnings of $16.8 million in the third quarter of 2025, up from $15.1 million in 2024, driven by expansion projects and increased transportation volumes [40, 41] Regulatory and Growth Initiatives - The company anticipates continued growth in utility customers at 1%-2% annually [12, 26] - The company has 580 MW of data center load under signed electric service agreements [12, 16] - The company received approval for a 49% ownership interest in the Badger Wind Project, with an estimated cost of $294 million [12, 21]

Financial Performance & Guidance - The company provides 2025 guidance for Net Income between $0.655 and $0.665 per diluted common share[18] - The company provides 2025 guidance for Normalized AFFO between $1.495 and $1.505 per diluted common share[18] - The midpoint of NAFFO guidance implies a 4% year-over-year growth[19] Portfolio & Operations - As of September 30, 2025, the company has 397 investments and 60 relationships[43] - As of September 30, 2025, the weighted average remaining lease term is 7 years[43] - As of September 30, 2025, Skilled Nursing/Transitional Care represents 48.9% of the asset class concentration[47] - As of September 30, 2025, Senior Housing - Managed represents 25.9% of the asset class concentration[47] - As of September 30, 2025, Behavioral Health represents 13.1% of the asset class concentration[47] Capital Structure & Valuation - As of September 30, 2025, the company's consolidated enterprise value is $6.9 billion[66] - As of September 30, 2025, common equity value represents 65% of the consolidated enterprise value[66] - As of September 30, 2025, secured debt represents 1% of the consolidated enterprise value[66]

Financial Performance - The company reported record quarterly revenue of $212.6 million in Q3 2025, a 6% year-over-year increase[16] - Bookings were excellent at $338 million, resulting in a book-to-bill ratio of 1.6x[16] - Adjusted EBITDA reached an all-time high of 16.2% of revenue[16] - GAAP Net loss was $64.4 million, or (30.3%) of revenue, due to litigation settlement and related costs of $99.7 million[16] - The company is on track to meet VISION 2027 targets, with revenue between $950 million and $1 billion and an adjusted EBITDA margin of 18%[13, 14] Segment Performance - Structural Systems segment revenue was $89.5 million, a 4% year-over-year increase, with an operating income margin of 13.3%[29] - Electronic Systems segment revenue was $123.1 million, a 6.6% year-over-year increase, with an operating income margin of 17.1%[32] Outlook and Strategy - The company is reiterating its 2025 full-year revenue outlook of mid-single-digit growth[22, 23] - Tariffs are not expected to have a significant impact on 2025 performance, with less than 3% of sales to China[27, 26] - The company expects annualized run-rate savings of $11 million to $13 million from restructuring efforts[37] - Remaining Performance Obligations (RPO) reached $1.031 billion in Q3 2025[19]

November 6, 2025 ©2025 Western Union Holdings, Inc. All rights reserved. Investor Day 2025 I Western Union Welcome Tom Hadley Vice President of Investor Relations and Corporate Development 2 ©2025 Western Union Holdings, Inc. All rights reserved. Investor Day 2025 I Western Union Agenda Strategic Update Devin McGranahan 02 Digital First Bob Rupczynski 03 Retail Enabled Giovanni Angelini & Massimiliano Alvisini 01 04 Beyond Remittances Sofia Graniello 05 Powered By Next Generation Payments Ben Hawksworth 06 ...

Financial Performance - Total Operating Revenues for 3Q'25 reached $183 million, a 4.5% increase compared to $175 million in 3Q'24[4] - Revenue from casino contracts increased by 14.8%, reaching $77 million in 3Q'25 compared to $67 million in 3Q'24[4] - Non-Gaming revenue slightly decreased by 1.9%, from $107 million in 3Q'24 to $105 million in 3Q'25[4] - Operating Income significantly increased by 49.7%, from $16 million in 3Q'24 to $24 million in 3Q'25[4] - Adjusted EBITDA increased by 14.5%, from $68 million in 3Q'24 to $78 million in 3Q'25[4] Key Operating Metrics - Mass GGR increased by 12% compared to 3Q'24, reaching $312 million, but decreased by 4% compared to 2Q'25[13] - Slots GGR increased by 14% compared to 3Q'24, reaching $32 million, but decreased by 6% compared to 2Q'25[13] - Total GGR increased by 3% compared to 3Q'24, reaching $344 million, but decreased by 4% compared to 2Q'25[13] - Adjusted EBITDA increased by 15% compared to 3Q'24, reaching $78 million, and increased by 2% compared to 2Q'25[13] - Mass Table Drop increased by 3% compared to 3Q'24, reaching $943 million, but decreased by 2% compared to 2Q'25[13]

Statement Regarding Third-Party Information: Certain information provided in this presentation, including information about mineral resources and reserves, historical production, production estimates, property descriptions, and property developments, has been provided to us by the operators of the relevant properties or is publicly available information filed by these operators with applicable securities regulatory bodies, in certain cases including the Securities and Exchange Commission. Royal Gold has not ...