Company Overview and Strategy - Better Home & Finance Holding Company is positioning itself as a next-generation AI mortgage platform, aiming to simplify, speed up, and improve the mortgage experience[1, 12, 14] - The company's strategy involves expanding Tinman AI's reach beyond direct-to-consumer (D2C) into a platform and software model, addressing the mortgage industry's technology and human capital challenges[14] - The company aims to fully automate the manual aspects of the homeownership process and rapidly improve efficiency through advancements in Tinman AI[54, 55] Market Opportunity and Customer Experience - The homeownership market is enormous, with a cumulative market size of over $19 trillion[17] - The company's platform delivers a best-in-class experience, with a Net Promoter Score of 664 and a 4.1 out of 5 Trustpilot Score[19, 20] - Better Mortgage offers a broad suite of home financing solutions, including home purchase, refinance, and HELOC products[22, 29, 30, 31] Financial Performance and Partnerships - In Q3 2025, the company's total funded loan volume was $1.035 billion, with purchase volume at $774 million, HELOC volume at $183 million, and refinance volume at $44 million[48] - The company is targeting Adjusted EBITDA breakeven by the end of Q3 2026[58] - The company is actively developing new partnerships, including with a top five U S Personal Financial Services Platform and a top five U S Non-bank Mortgage Originator[50] AI and Technology - The company's proprietary AI mortgage platform, Tinman, powers its operations and drives better, faster, and cheaper customer experiences[36, 40] - Betsy, the company's AI voice-based loan assistant, has led to a ~3x increase in Loan Officer Productivity and a ~2x increase in lead-to-lock conversion to 6%, up from 3%[42] - The company expects $600 million of Tinman AI Platform volume in Q4[58]

Q3 2025 Earnings Presentation ( N AS D A Q : N I C E ) Disclaimer Forward Looking Statements Disclaimer This presentation contains forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. In some cases, forward-looking statements may be identified by words such as "believe", "expect", "seek", "may", "will", "intend", "should", "project", "anticipate", "plan", and similar expressions. Forward-looking statements are based on the current beliefs, expectations ...

1 DISCLAIMERS & OTHER IMPORTANT INFORMATION flyExclusive, Inc. Q3 2025 Earnings Review November 12, 2025 FORWARD-LOOKING INFORMATION. This Presentation contains certain forward-looking statements within the meaning of the U.S. federal securities laws with respect to flyExclusive the products and services offered by flyExclusive and the markets in which it operates and flyExclusive's expectations, intentions, strategies, assumptions or beliefs about future events, results of operations or performance or that ...

Lucid Diagnostics - EsoGuard revenue reached $1.2 million in Q3 2025, with a test volume of 2,841[9] - A MolDX Contractor Advisory Committee (CAC) meeting unanimously endorsed Medicare coverage for EsoGuard[9] - The company strengthened its balance sheet by netting approximately $27 million in proceeds from an underwritten public offering of common stock[9] Veris Health - Veris Health launched the commercial phase of its strategic partnership with OSU[11] - The company relaunched implantable physiological monitor development, targeting a 2026 FDA 510(k) submission[11] Financial Performance - The company's cash reserves were $3.103 million in 3Q25, a decrease of $901 thousand from $4.004 million in 2Q25[16] - Equity method investments in Lucid were valued at $31.615 million in 3Q25, down $4.383 million from $35.998 million in 2Q25[16] - Revenue plus management fee income was $3.155 million in 3Q25, a decrease of $991 thousand compared to $4.146 million in 3Q24[18] - The company reported a net loss of $6.011 million in 3Q25, a significant change from a net income of $60.711 million in 3Q24[18] - Non-GAAP adjusted loss was $(446) thousand in 3Q25, compared to $(5,439) thousand in 3Q24[18] - Shares outstanding increased to 23.1 million in 3Q25 from 20.1 million in 2Q25[16]

Financial Performance - Bragg achieved a 2% year-over-year increase in Adjusted EBITDA in Q3 2025[15] - The company experienced a 5% year-over-year increase in Gross Profit in Q3 2025[15] - Bragg's revenue increased by 9% year-over-year in Q3 2025[15] - Gross Profit Margin % increased by 115 basis points year-over-year in Q3 2025[15] - Q3 2025 Adjusted EBITDA was EUR 4449 thousand, compared to EUR 4083 thousand in Q3 2024[44] Revenue Growth and Diversification - U S and Brazil focus markets saw revenue growth of 86% and 80% respectively[12, 41] - Proprietary content revenue increased by 35% year-over-year, driven by U S growth[12, 30, 41] - Non-Netherlands revenue is projected to increase to 68% of all revenue in FY 2025, up from 51% in 2022[34, 36] Product Mix and Strategy - Proprietary content accounted for 15 7% of total revenue in Q3 2025, up from 11 9% in Q3 2024[24] - PAM & Turnkey revenue was EUR 4 7 million and represented 17 7% of total revenue in 3Q25[24] - Aggregated content revenue was 52 2% of 3Q25 revenue[24]

Financial Performance - Alliance reported Q3 2025 revenue of $438 million, a 14% year-over-year increase[41] - Adjusted EBITDA for Q3 2025 was $111 million, up 16% year-over-year[41] - The Adjusted EBITDA margin was 253% in Q3 2025, a 40 bps increase year-over-year[41] - Adjusted net income for Q3 2025 increased by 47% year-over-year to $48 million[41] - For the first nine months of 2025, revenue reached $1274 billion, a 14% increase compared to the same period in 2024[41] - Adjusted EBITDA for the first nine months of 2025 was $330 million, a 13% increase year-over-year, with a margin of 259%[41] Segment Performance - North America's Q3 revenue grew by 14% year-over-year, reaching $331 million, with an Adjusted EBITDA of $95 million, a 13% increase[43, 45] - International Q3 revenue increased by 12% year-over-year to $107 million, with Adjusted EBITDA growing by 9% to $26 million[51] - For the first nine months of 2025, North America's revenue was $952 million, a 16% increase, and International revenue was $322 million, a 10% increase[47, 53] Balance Sheet and Capital Allocation - The company deleveraged to 31x IPO adjusted net leverage[41, 58] - IPO proceeds of $506 million were used to repay $525 million of debt, with an additional $135 million voluntary paydown in Q3[40, 59] - Debt repricing and paydowns are expected to deliver approximately $46 million in annualized interest savings[40, 59]

Q3 2025 Business Update and Financial Results November 13 2025 This document contains data pertaining to the Company's potential markets and the industry and environment in which it operates. Some of this data comes from external sources that are recognized in the field or from Company's estimates based on such sources. This presentation discusses product candidates that are under clinical development, and which have not yet been approved for marketing by the U.S. Food and Drug Administration or the Europea ...

Financial Performance - Q3 2024 - Net revenues for Q3 2024 were $118.292 million, compared to $132.037 million in Q3 2023[28] - Net loss for Q3 2024 was $15.366 million, compared to a net income of $(56.204) million in Q3 2023[28] - Adjusted EBITDA for Q3 2024 was $(12.106) million, compared to $(11.475) million in Q3 2023[28] - Adjusted EBITDA margin for Q3 2024 was (10.2)%, compared to (8.7)% in Q3 2023[28] Financial Performance - YTD 2024 - Net revenues for the nine months ended September 30, 2024, were $409.762 million, compared to $457.974 million for the same period in 2023[28] - Net loss for the nine months ended September 30, 2024, was $(65.294) million, compared to $(148.976) million for the same period in 2023[28] - Adjusted EBITDA for the nine months ended September 30, 2024, was $2.480 million, compared to $18.091 million for the same period in 2023[28] - Adjusted EBITDA margin for the nine months ended September 30, 2024, was 0.6%, compared to 4.0% for the same period in 2023[28] Financial Performance - TTM - TTM net revenues as of Q3 2024 were $686.459 million, compared to $527.350 million as of Q3 2023[32] - TTM net loss as of Q3 2024 was $(67.588) million, compared to $(299.713) million as of Q3 2023[32] - TTM Adjusted EBITDA as of Q3 2024 was $59.480 million, compared to $(76.690) million as of Q3 2023[32] - TTM Adjusted EBITDA margin as of Q3 2024 was 8.7%, compared to (14.5)% as of Q3 2023[32]

Acquisition of Mersana Therapeutics N O V E M B E R 2 0 2 5 Day One's Mission Inspired by the urgent needs of children, Day One creatively and intentionally develops new medicines for people of all ages with life- threatening diseases Q&A Session All Participants 2 Confidential Information. For internal use only. Forward Looking Statements This communication contains forward-looking statements. Forward-looking statements are generally identified by the words "expects", "anticipates", "believes", "intends", ...

Canadian Solar 3Q25 Earnings Call November 13, 2025 Canadian Solar Inc. Safe Harbor Statement This presentation has been prepared by the Company solely to facilitate the understanding of the Company's business model and growth strategy. The information contained in this presentation has not been independently verified. No representation, warranty or undertaking, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or t ...