Financial Performance - GAAP Net Income was approximately $1 million, or $0.01 per share[8] - Distributable Earnings were $33 million, or $0.03 per share[8] - Adjusted Distributable Earnings were $212 million, or $016 per share[8] - A dividend of $016 per share was declared and paid for Q3'25, representing a 121% yield on the current share price[8] Portfolio Overview - Total At-Share Assets (Undepreciated) amounted to $35 billion[6] - The total loan portfolio was $24 billion, consisting of 85 total loans with an average loan size of $28 million[6] - The W A Unlevered All-in Yield was 77%[6] - 91% of the loans were less than $50 million in size, based on loan count[6] - The loan portfolio had a W A risk ranking of 31[8] - Total CECL reserve was $127 million, or $098 per share[8] Liquidity & Capitalization - Total liquidity was $280 million, including $87 million of unrestricted cash ($067 per share) and a $165 million fully undrawn corporate revolver[6] - Master Repurchase Facilities Availability was $11 billion[6] - The Debt-to-Equity Ratio was 19x[6]

Q3 2025 Financial Highlights - Total bookings reached $1.2 billion, a 1% increase[8] - Sales amounted to $1.2 billion, reflecting a 4% growth[8] - Adjusted gross margins improved to 34.8%, up by 240 basis points[8] - Adjusted EPS increased significantly to $0.90, a 45% rise[8] - Cash from operations totaled $402 million[8] - Adjusted operating margins reached 14.8%, an increase of 370 basis points[8] Bookings Overview - Original Equipment bookings were $560 million in Q3 2025 compared to $589 million in Q3 2024[13] - Aftermarket bookings increased to $653 million in Q3 2025 compared to $615 million in Q3 2024[13] - Power market bookings grew by 23%, while Chemical bookings increased by 18%[13] - Energy market bookings decreased by 19%[13] Nuclear Market Opportunity - The nuclear flow control opportunity is estimated to be over $10 billion in the next decade[25] - New large reactor projects represent an opportunity of over $100 million per reactor, while new SMR projects offer $20-80 million per reactor[26] - Recurring annual revenue from the global installed base is approximately $100 million[26] Full-Year 2025 Guidance - Total sales growth is projected to be up 4%-5%[46] - Adjusted EPS is expected to be in the range of $3.40-$3.50[46]

INVESTOR PRESENTATION Q3 2025 INTRODUCTORY NOTES Forward-Looking Statements Disclaimer Forward-Looking Statements in this presentation, which are not historical facts, are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of InvenTrust's management and are subject to significant risks and uncertainties. Actual results may differ materially from those described in the forward-looking statem ...

Financial Highlights - Value-added (VA) sales reached $263.9 million, showing a 1% year-over-year organic increase[9] - Adjusted EBITDA was $55.5 million, representing 21.0% of VA sales[9] - Adjusted EPS stood at $1.41, a 3% sequential increase[9] - The company is affirming full year adjusted EPS guidance of $5.30 - $5.70[23, 61] - The company expects to deliver 20%+ adjusted EBITDA margin for the full year[23] Segment Performance - Electronic Materials segment saw a 7% year-over-year organic increase in sales[13] - Electronic Materials achieved a record adjusted EBITDA margin of 27.1%[13] - Precision Optics experienced a 21% year-over-year increase in sales[13] - Precision Optics delivered ~1000 bps of margin improvement YoY; ~300 bps QoQ[13] - Performance Materials sales were limited by equipment downtime, costing approximately $10 million[13] Market Trends and Strategic Initiatives - Order rates increased sequentially across all three businesses, with double-digit growth[9] - Order rates up ~20% YTD in high growth markets[23] - The Board of Directors authorized a new $50 million stock repurchase program[9] - The company announced a supply agreement with Commonwealth Fusion Systems for fusion energy technology materials[9]

Financial Performance - Net income for Q1 FY26 was $22541 thousand[72] - Basic EPS was $272 and Diluted EPS was $267[4] - Return on Equity was 1764% and Return on Assets was 213%[4] Loan Portfolio - Total loan volume reached $3205 million in Q1 FY26[4] - Purchased loans amounted to $1446 million invested on $1527 million of UPB, representing a 947% purchase price[4] - Originated loans totaled $1338 million[4] - SBA loans originated were $420 million and SBA loans sold were $527 million, resulting in a gain on sale of $41 million[4] - The total loan portfolio balance was $3752951 thousand, with an average balance of $416 thousand and a weighted average LTV of 49%[6] National Lending Portfolio - National Lending purchased loans had a total balance of $2406506 thousand with 3624 loans and an average balance of $664 thousand[6] - Direct originated loans in the National Lending Division had a total balance of $490770 thousand with 83 loans and an average balance of $5913 thousand[6] - Lender Finance loans in the National Lending Division had a total balance of $722341 thousand with 115 loans and an average balance of $6281 thousand[6] - The weighted average rate for National Lending as of September 30, 2025, was 798%[4]

Financial Performance Overview - Ferrovial achieved strong performance across all business divisions in 9M 2025[7] - The company's net debt ex-infrastructure projects was -€706 million[7] - Revenue increased to €6,911 million, a 6.2% like-for-like (LfL) increase compared to 9M 2024[47] - Adjusted EBITDA reached €1,031 million, a 4.8% LfL increase compared to 9M 2024[47] - Adjusted EBIT amounted to €691 million, a 6.0% LfL increase compared to 9M 2024[47] Highways Division - US Highways revenue increased by 16.4% LfL compared to 9M 2024[12] - US Highways adjusted EBITDA increased by 15.1% LfL compared to 9M 2024[12] - North American assets contributed €312 million in dividends[12] - 407 ETR's revenue increased by 19.3% to CAD 1,511 million in 9M 2025[15] - 407 ETR's EBITDA increased by 15.8% to CAD 1,283 million in 9M 2025[15] - A Q4 dividend of CAD 1.05 billion was approved for distribution from 407 ETR, a 50% increase compared to CAD 700 million in Q4 2024[21] Construction Division - Construction revenue reached €5,420 million, a 4.6% LfL increase compared to 9M 2024[40] - The construction division's order book stood at €17,168 million, a 9.1% LfL increase[45]

Q3 2025 Performance Highlights - Shipments reached 373 thousand tons, a 6% year-over-year increase[10] - Revenue totaled $2.2 billion, up 20% year-over-year[10] - Net income was $88 million[10] - Adjusted EBITDA was $235 million, including a positive non-cash metal price lag impact of $39 million[10] - Free Cash Flow was $30 million[10] - The company repurchased 1.7 million shares for $25 million[10] Segment Performance - Aerospace & Transportation: Adjusted EBITDA was $90 million, a 67% increase, with shipments of 50 thousand tons, up 4%[13] - Packaging & Automotive Rolled Products: Adjusted EBITDA was $82 million, a 14% increase, with shipments of 275 thousand tons, up 5%[19] - Automotive Structures & Industry: Adjusted EBITDA was $33 million, a 371% increase, with shipments of 48 thousand tons, up 14%[21] Financial Position and Outlook - Leverage ratio was 3.1x at the end of the quarter[10] - The company expects to be below 3.0x leverage by the end of 2025[30] - The company targets 2025 Adjusted EBITDA between $670 million and $690 million and Free Cash Flow greater than $120 million[45]

Financial Performance - Net sales reached $468 million, an increase of 8% as reported, with a 3% organic growth year-over-year[8] - Adjusted EPS grew by 6% year-over-year, reaching $1.94[8] - Free cash flow increased significantly to $100 million, representing a 144% conversion rate[8] - Adjusted operating income was $104 million, with an adjusted operating margin of 22.1%[8] Strategic Actions and Market Dynamics - The company is managing tariffs effectively, aiming for price/cost neutrality in the first half of 2026[13] - The company's net leverage stands at 10x, indicating a robust balance sheet[31] - Fire service sales are affected by Assistance to Firefighter Grants (AFG) and NFPA dynamics, creating near-term volatility[19] Outlook and Targets - The company maintains a low-single-digit organic sales growth outlook, driven by detection and fall protection[34] - The company anticipates a foreign exchange translation revenue tailwind of 0%-1% and a M&A contribution of +2% for the full year[36] - The company is targeting 3-5% organic revenue growth, leading to $21 billion - $23 billion in revenue growth[66]

Safe harbor Forward-looking statements This presentation contains forward-looking statements within the meaning of the United States Private Securities Litigation Reform Act of 1995. You should not place undue reliance on those statements because they are subject to numerous uncertainties and factors relating to EXL's operations and business environment, all of which are difficult to predict and many of which are beyond EXL's control. Forward-looking statements include information concerning EXL's possible ...

Third Quarter 2025 Earnings Call Forward-Looking Statements This presentation may contain various statements about Renasant Corporation ("Renasant," "we," "our," or "us") that constitute "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words "believes," "expects," "projects," "anticipates," "intends," "estimates," "plan ...