Q1 2025 Financial Performance - Porch Shareholder Interest revenue reached $84.5 million[16], with a gross profit of $69.1 million[16] and an impressive gross profit margin of 82%[16] - Adjusted EBITDA for Porch Shareholder Interest was $16.9 million[16], resulting in a 20% Adjusted EBITDA margin[16] - Cash flow from operations for Porch Shareholder Interest was $27.2 million[16] Segment Performance - Insurance Services generated $49.8 million in revenue with an 85% gross margin and a 52% Adjusted EBITDA margin[87] - Software & Data revenue was $22 million[34], with a 75% gross margin and a 21% Adjusted EBITDA margin[39] - Consumer Services revenue reached $14.7 million[34], boasting an 83% gross margin but a negative 5% Adjusted EBITDA margin due to investments for future growth[39] Guidance and Long-Term View - The company increased its 2025 Adjusted EBITDA guidance by $5 million to $65 million[59] (mid-point) - The company projects long-term (approximately 10 years) revenue of $2.3 billion and Adjusted EBITDA of $660 million[61] Reciprocal Performance - Reciprocal Written Premium (RWP) reached $97 million[16] - The Reciprocal maintains a healthy surplus of $198 million combined with non-admitted assets[18]

1Q 2025 Earnings Supplement May 6, 2025 Disclosures This presentation includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical facts contained in this presentation, including statements regarding the outcome of the operational and portfolio reviews, the costs, cash outlays, benefits, timing and financial impacts of the actions that may b ...

Financial Performance - Net income reached $52 million, remaining stable QoQ and increasing by 1% YoY[2] - The Return on Equity (ROE) was 154%, decreasing by 10 bps QoQ and 134 bps YoY[2] - Net Interest Margin (NIM) stood at 236%, down 8 bps QoQ and 11 bps YoY[2] - The efficiency ratio improved to 269%, decreasing by 225 bps QoQ and increasing by 174 bps YoY[2] Portfolio and Deposits - The commercial book grew to $107 billion, up 6% QoQ and 23% YoY[2] - Total deposits increased to $59 billion, reflecting an 8% increase QoQ and a 24% increase YoY[2] - Non-Performing Loans (NPLs) represented 01% of the portfolio, decreasing by 1 bps QoQ and increasing by 4 bps YoY[2] Liquidity and Funding - Liquid assets accounted for 15% of total assets[13] - The Liquidity Coverage Ratio (LCR) was reported at 265x[12] Capitalization - The Common Equity Tier 1 (CET1) ratio was 151%[26] - The dividend payout ratio was 45%[27] Fee Income - Net fees totaled $106 million, decreasing by 11% QoQ and increasing by 12% YoY[2,40]

First Quarter 2025 Results May 6, 2025 NYSE/LSE: KOS Strictly Private and Confidential 1 Disclaimer Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. All statements, other than statements of historical facts, included in this presentation that address activities, events or developments that Kosmos Energy Ltd. ("Kosmos" or the "Company") expects, believes or a ...

Q1 2025 Results Presentation May 6, 2025 Changes in such assumptions and factors could cause actual future results to differ materially from those expressed in the forward-looking statements. All forward-looking statements in this presentation are expressly qualified by such cautionary statements and by reference to the underlying assumptions. Undue reliance should not be placed on forward-looking statements, which speak only as of the date they are made. Except as required by law, the company does not unde ...

Q1 2025 Earnings Call May 6, 2025 IQVIA Template (V2.1.0) 100% 50% 75% 25% 1 Legal This presentation should be viewed in conjunction with IQVIA's Q1 2025 earnings call Safe Harbor Statement for Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of the federal securities laws, including Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, our second-quarter a ...

Investor Presentation May 2025 > hims & hers SUPPLEMENTAL PRESENTATION INTRODUCTION Safe Harbor Statement potential effects on us. Future developments affecting us may not be those that we have anticipated. These forward-looking statements This presentation has been prepared by Hims & Hers Health, Inc. ("we," "us," "our," "Hims & Hers," or the "Company"). involve a number of risks, uncertainties (some of which are beyond our control) and other assumptions that may cause actual results or performance to be m ...

Financial Performance & Outlook - The company affirmed its 2025 earnings guidance of $5.68 to $6.08 per share[9] - Q1 2025 earnings reached $68.1 million, with a diluted EPS of $1.62[10] compared to $74.3 million and $1.77 diluted EPS in Q1 2024[12] representing an 8% decrease in net income[12] - The company projects a 14.2% Return on Equity (ROE) for 2025[13] - The electric segment is expected to have 7% earnings growth in 2025[13] Electric Segment & Rate Base - A net revenue increase of $13.1 million (6.18% increase) was achieved in the North Dakota rate case, implemented in March 2025[10, 19] - The North Dakota rate case resulted in an increased ROE to 10.1% (from 9.77%) and an equity layer of 53.5% (from 52.5%)[19] - The company anticipates significant rate base growth with a Compound Annual Growth Rate (CAGR) of 9.0%[22] Manufacturing & Plastics Segments - Sales prices in the plastics segment decreased by 11% in Q1 2025, while sales volumes increased by 13%[41] - Material input costs for the plastics segment decreased by 89%[41] - The BTD Georgia facility expansion was completed in Q1 2025, with the potential to generate up to $35 million in incremental annual revenue[10, 47] Capital Investments & Financing - The company plans total capital expenditures of $278 million in 2025[63] - Long-term debt issuances for Otter Tail Power Company are projected at $100 million for 2025[65] - The company anticipates normalized plastics earnings of $45-$50 million in 2028[70]

Statements contained herein reflect our views about future periods, including our future plans and performance, constitute "forward- looking statements" under the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as "will," "would," "anticipate," "expect," "believe," "designed," "plan," or "intend," the negative of these terms, and similar references to future periods. These views involve risks and uncertainties that are difficult to predict and, ac ...

Q1 2025 Performance - Total revenue reached $1764 million, a 64% increase compared to Q1 2024[7, 29] - Same-restaurant sales (SRS) grew by 18% in Q1 2025[7] - Net income attributable to Portillo's Inc was $3313 million, compared to $4562 million in the same quarter last year[28] - Restaurant-Level Adjusted EBITDA was $36656 million with a margin of 208%[7, 32] Fiscal 2025 Financial Targets - The company plans to open 12 new units[9, 12] - Same-restaurant sales are projected to grow by 1% to 3%[12] - Revenue growth is targeted at 10% to 12%[12] - Adjusted EBITDA growth is expected to be 5% to 8%[12] Long-Term Growth Algorithm - The company aims for low single-digit growth in same-restaurant sales[16] - Annual unit growth is targeted at 12% to 15%[16] - Revenue growth is projected in the low teens[16] - Adjusted EBITDA growth is expected in the mid-teens[16]