Financial Performance - The company experienced EBITDA growth of 6.5% in 2Q25[10] - EBITDA margin expanded by 116 bps[10, 11, 75] - Underlying USD EPS increased by 8.7%[10, 11] - H1 Free Cash Flow was up by $0.5 billion year-over-year[10, 81] Revenue and Volume - Revenue per hl accelerated by 4.9% in 2Q25[10, 11, 15] - Total revenue increased by 3.0% in 2Q25[11] - Total volumes decreased by 1.9% in 2Q25[11] Regional Performance - North America saw organic revenue growth of 2.2% and organic EBITDA growth of 4.5%[18, 21] - Middle Americas experienced organic revenue growth of 5.1% and organic EBITDA growth of 6.9%[18, 24] - South America's organic revenue grew by 3.6% and organic EBITDA by 7.2%[18, 28] - EMEA had organic revenue growth of 5.2% and organic EBITDA growth of 9.5%[18, 33] - Asia Pacific's revenue declined by 4.5% and organic EBITDA declined by 4.8%[18, 40] Brand and Innovation - No-alcohol beer revenue increased by 33%[10, 61] - BEES Marketplace GMV grew by 63% to $785 million[10, 66, 68] Debt and Outlook - Net finance costs are expected to be between $190 million and $220 million per quarter[93] - The average gross debt coupon is approximately 4%[93, 91]

Financial Performance - WTW generated organic revenue growth of 5% in Q2 2025[12] - Adjusted Operating Margin expanded by +150 bps in Q2 2025[12] - Adjusted Diluted EPS grew by 20% in Q2 2025[12] - WTW repurchased $500 million of shares and paid dividends of $91 million in Q2 2025[12] - Q2 2025 revenue was $2261 million, a 0% change compared to Q2 2024[14] - Income from Operations increased by 74% to $368 million in Q2 2025[14] - Net Income increased by 134% to $332 million in Q2 2025[14] - Diluted EPS increased by 144% to $332 in Q2 2025[14] Segment Performance - Health, Wealth & Career (HWC) organic revenue growth was 4% in Q2 2025[23] - Risk & Broking (R&B) organic revenue growth was 6% in Q2 2025[26] Financial Position - Cash and Cash Equivalents were $1963 million as of June 30, 2025[28] - Total Debt was $5311 million as of June 30, 2025[28]

Financial Performance - Q2 2025 - Net sales decreased by 3% year-over-year to $2.1 billion[36] - Gross profit decreased by 2% year-over-year to $442 million[36] - Cloud gross profit decreased by 5% year-over-year to $123 million[36] - Insight Core Services gross profit decreased by 3% year-over-year to $78 million[36] - Earnings from operations decreased by 34% year-over-year to $87 million[36] - Adjusted earnings from operations decreased by 2% year-over-year to $129 million[36] - Net earnings decreased by 46% year-over-year to $47 million[36] - Adjusted EBITDA decreased by 2% year-over-year to $138 million[36] Financial Position - Total debt balance at June 30, 2025, was $1.3 billion[40] - Year-over-year increase in total debt was $330 million[39, 40] - Total share repurchases and warrant settlement payments amounted to $463 million[39, 40] Full Year 2025 Outlook - Gross profit growth is expected to be approximately flat[41] - Gross margin is expected to be approximately 20%[41] - Adjusted diluted EPS is projected to be in the range of $9.70 - $10.10[41]

Financial Performance & Guidance - The company projects a 36-39% increase in FY25 earnings compared to FY24 [54] - The company anticipates a consolidated 3-year Adjusted EPS CAGR greater than 10% from FY24-FY27E [52] - The company's FY26 Adjusted EPS guidance varies based on NYMEX pricing, with estimates ranging from $6.35-$6.85 at $2.30 NYMEX to $9.75-$10.25 at $3.90 NYMEX [186] - The company returned over $650 million to shareholders in the last 3 years [41] Operational Highlights - Seneca Resources' current net production is approximately 1.2 Bcf/day [22] - The company has reduced methane emissions by 17% since 2020 [13, 50] - The company's Utility segment has approximately 755,000 customers [17] - The company's Pipeline & Storage segment has a total rate base of $1.6 billion [26] Capital Expenditure & Development - The company's Seneca Resources is driving a 30% improvement in capital efficiency since FY23 [76] - The company's Tioga Utica wells deliver over 2x the well productivity versus legacy WDA program [75] - The company's Shippingport Lateral Project will initially have a capacity of 205,000 Dth/day [91]

Q2 2025 Financial Highlights - Net revenues reached approximately €1.8 billion[6], a 4.4% increase compared to Q2 2024[17] - EBITDA stood at €709 million[6], with a margin of 39.1%[15] - Net profit amounted to €425 million[6] - Industrial Free Cash Flow (FCF) surged to €232 million[6], a 90.7% increase from Q2 2024[21] - Diluted earnings per share increased by 3.9% to €2.38[19] Shipments and Regional Performance - Total shipments were 3,494 units in Q2 2025, a slight increase of 0.3% compared to 3,484 units in Q2 2024[11, 16] - EMEA shipments decreased by 9 units, representing 47% of total shipments[23] - Mainland China, Hong Kong, and Taiwan saw a decrease of 4 units[23], accounting for 5% of total shipments[27] - Rest of APAC increased by 11 units, making up 17% of total shipments[23] - Americas increased by 12 units, holding steady at 28% of total shipments[23] 2025 Guidance - The company expresses stronger confidence in its 2025 guidance, projecting net revenues greater than €7.0 billion[38], representing a growth of ≥5%[38] - Adjusted EBITDA is expected to be at least €2.68 billion[38], with a margin of ≥38.3%[38], representing a growth of ≥5%[38] - Adjusted EBIT is projected to be at least €2.03 billion[38], with a margin of ≥29.0%[38], representing a growth of ≥7%[38] - Industrial FCF is expected to be at least €1.20 billion[38], representing a growth of ≥17%[38]

Off-the-Shelf Products Leading provider of Data Center & Edge Computing solutions for service provider, mobile operator, telecom, cloud and on-premise infrastructures Leading supplier of innovative Edge/CPE units, SD-WAN/SASE Edge systems, Encryption and other hardware acceleration Smart NICs, and FPGA-based programable NICs to leading global service providers, server manufacturers and OEMs Investor Presentation July 31, 2025 Safe Harbor Guidelines & Legal Notes The information presented today contains forw ...

Loan Portfolio & Origination - The total loan portfolio reached $2,485 million as of June 30, 2025, reflecting a 4.2% increase compared to June 30, 2024[15] - Recreation loans constitute 62.2% of the total loan portfolio, amounting to $1,546.3 million as of June 30, 2025, a 3.3% increase year-over-year[15] - Home Improvement loans represent 32.3% of the portfolio, totaling $803.5 million, showing a 3.9% increase from the previous year[15] - Commercial loans account for 4.9% of the portfolio, reaching $121.4 million, a significant 10.2% increase compared to June 30, 2024[15] - Strategic Partnership loan originations totaled $168.6 million[13] Financial Performance - Net interest income for the second quarter of 2025 was $53.4 million[28, 35] - The company reported a net income attributable to Medallion Financial Corp of $11.1 million for the second quarter of 2025[31] - The net interest margin was 8.09% on gross loans and 8.42% on net loans[14, 35] - The company declared a dividend of $0.12 per share per quarter[14, 54] - Operating costs as a percentage of net interest income were 40% for the year-to-date period ending June 30, 2025[48]

Financial Performance - Euronet reported revenue of $1,074.3 million, a 9% increase compared to $986.2 million in Q2 2024[17] - Operating income increased by 18% to $158.6 million, up from $134.3 million in Q2 2024[17] - Adjusted EBITDA grew by 16% to $206.2 million, compared to $178.2 million in Q2 2024[17] - Adjusted EPS increased by 14% to $2.56, up from $2.25 in Q2 2024[17] - On a constant currency basis, revenue increased by 6%, operating income by 13%, and adjusted EBITDA by 11%[17] Strategic Initiatives - Euronet signed a merger agreement to acquire CoreCard (NYSE: CCRD)[13] - The company signed an agreement with a top three bank in the United States for its Ren technology[13] - Euronet acquired a majority stake in Kyodai Remittance, a leading Japanese firm[71] Business Segment Highlights - Money Transfer digital transactions grew by 29%, with 55% of payouts going through digital channels[44] - epay now has 70% of its transactions fully digital[39] - EFT Processing revenue increased 11% to $338.5 million[20]

Financial Performance - Total revenue reached $319.9 million, a 14% increase, driven by growth in Pawn Service Charges (PSC), merchandise sales, and scrap revenue[23] - EBITDA increased by 42% to $45.2 million, with an EBITDA margin of 141%, up 280 bps[28] - Diluted EPS increased by 38% to $033[27] - Pawn Loans Outstanding (PLO) reached a record $2932 million, up 12%[29] Segment Performance - U S Pawn segment revenue increased by 11% to $2200 million, with earning assets up 21%[64, 66] - Latin America Pawn segment revenue increased by 21% to $999 million, with earning assets up 18%[87, 90] Store Growth and Acquisitions - The company acquired 40 stores in Mexico under the Monte Providencia and Tu Empeño Efectivo brands[20] - Ten de novo stores were opened in Latin America, including 6 in Mexico, 3 in Guatemala, and 1 in El Salvador[20] - Three stores were acquired in the U S, including one luxury store in Miami Beach[20] Balance Sheet and Capital Allocation - The company's cash balance was $4721 million[18] - Approximately $20 million of shares were repurchased in Q3, with an additional $10 million repurchased in July[20]

™ Disclosures Second Quarter Earnings Review July 31, 2025 Use of Non-GAAP Financial Measures This communication contains certain financial information determined by methods other than in accordance with U.S. Generally Accepted Accounting Principles (GAAP), including (1) Non-GAAP diluted earnings per share (net earnings or loss, as adjusted for special items (as defined below), net of taxes, divided by the number of shares of our common stock on a fully diluted basis), (2) Adjusted EBITDA (net earnings befo ...