Financial Performance - Q3 2025 revenues increased to $363.7 million, a 2.9% increase compared to $353.6 million in Q3 2024[18] - Adjusted EBITDA decreased slightly by 0.5%, from $124.7 million in Q3 2024 to $124.1 million in Q3 2025[15] - Adjusted diluted EPS increased by 7.3%, from $1.64 in Q3 2024 to $1.76 in Q3 2025[20] Revenue Breakdown - Advertising and Performance Marketing revenue increased by 5.9%, from $194 million in Q3 2024 to $205 million in Q3 2025[23] - Subscription and Licensing revenue increased by 2.0%, from $147 million in Q3 2024 to $150 million in Q3 2025[25] Segment Performance - Technology & Shopping segment revenue decreased by 2.2%, from $87.1 million in Q3 2024 to $85.2 million in Q3 2025[29] - Gaming & Entertainment segment revenue decreased by 4.3%, from $49.7 million in Q3 2024 to $47.6 million in Q3 2025[34] - Health & Wellness segment revenue increased by 12.7%, from $90.8 million in Q3 2024 to $102.3 million in Q3 2025[40] - Connectivity segment revenue increased by 2.2%, from $56.0 million in Q3 2024 to $57.2 million in Q3 2025[46] - Cybersecurity & Martech segment revenue increased by 2.0%, from $70.0 million in Q3 2024 to $71.4 million in Q3 2025[52] Financial Guidance - The company reaffirms its full-year 2025 revenue guidance of $1.442 billion to $1.502 billion, representing a midpoint year-over-year increase of 5.0%[63] - The company reaffirms its full-year 2025 Adjusted EBITDA guidance of $505 million to $542 million, representing a midpoint year-over-year increase of 6.0%[63] - The company reaffirms its full-year 2025 Adjusted diluted EPS guidance of $6.64 to $7.28, representing a midpoint year-over-year increase of 5.1%[63]

Financial Performance - Net loss from continuing operations was $(0.13) per common share[5] - Distributable losses were $(0.94) per common share[5] - Distributable losses before realized losses were $(0.04) per common share[5] - A dividend of $0.125 per common share was declared[5] Loan Portfolio - Total loan portfolio amounted to $6.5 billion[5] - Total loan originations reached $421.8 million[5] - Loan repayments and sales totaled $1.3 billion[5] - New 60+ day core delinquencies were $39.9 million, with a 60+ day core delinquency rate of 5.9% at quarter end[5] - The company completed a first portfolio sale of commercial real estate loans worth $665 million, generating net proceeds of $85 million[5] - A second portfolio sale of commercial real estate loans worth $93 million generated net proceeds of $24 million[5] Capitalization - The company repurchased 2.5 million shares at an average price of $4.17, resulting in a book value per share (BVPS) impact of $0.09[5]

Q3 2025 EARNINGS PRESENTATION November 6, 2025 | 1 Legal Disclaimer Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995, including statements about DraftKings Inc. ("DraftKings", the "Company", "we", "us" and "our") and its industry that involve substantial risks and uncertainties. All statements, other than statements of historical fact, ...

Financial Performance - Adjusted Gross Margin increased to $137.2 million, up 12% from $122 million in Q3 2024[13, 20] - Adjusted Net Income rose to $19.5 million, an 8% increase compared to $18.1 million in Q3 2024[20, 69] - Adjusted EPS reached $0.82, a 3% increase from $0.80 in Q3 2024[20, 69] - Year-to-date Adjusted Gross Margin was $462.4 million, up 12% from YTD 2024[21] - Year-to-date Adjusted EPS was $4.06, up 8% from YTD 2024[16, 21] Capital Investment and Guidance - Capital investment increased by 27% to $123 million, from $97 million in Q3 2024[13] - The company is increasing its 2025 capital expenditure guidance to $425 - $450 million[14, 25] - The company reaffirmed its 2025 EPS guidance of $6.15 - $6.35, representing growth of 14% - 18%[14, 23, 26] Growth and Expansion - Customer growth increased by 3.2% in average natural gas residential customers[13] - The company has identified approximately $1.4 billion of capital projects supporting its 5-year CapEx guidance of $1.5 - $1.8 billion[49] - $200 million of long-term debt was issued in Q3 2025 to maintain balance sheet strength and flexibility[14, 91]

BancAnalysts Association of Boston Conference November 7, 2025 Internal Use Brian Willman Head of Corporate Banking Group Corporate Banking Group A diversified engine for growth and long-term performance Emerging Commercial $5M - $20M Middle Market $20M to $500M Large Corporate $500M - $2B Local and Dedicated Relationship Managers + Digital Local and Dedicated Relationship Managers + Industry & Product Specialists Dedicated Coverage Bankers + Industry Specialists & Strategic / Capital Advisory Clients Cover ...

Financial Performance - Adjusted operating income reached $336 million, a 17% increase per share compared to the same period in 2024[15] - The company earned $124 million of adjusted operating income in the third quarter, a 6% increase on a per share basis above the third quarter 2024 amount[11] - The alternative investment portfolio generated $112 million of pre-tax adjusted operating income[15] New Business and Capital Management - $25 billion of new business par was insured, the highest amount in the first nine months in a decade[15] - $9 billion of new business par was insured in the third quarter, the largest third-quarter amount in a decade[11, 18] - $194 million of PVP was generated[15, 18] - Over 4 million shares were repurchased at a cost of $369 million, representing nearly 9% of shares outstanding on December 31, 2024[15] Portfolio and Resources - The total investment portfolio plus cash stands at $89 billion[28, 64] - Claims-paying resources are $101 billion, resulting in a net par outstanding to claims-paying resources ratio of 27:1[28] - Net par outstanding is $2749 billion, with U S public finance accounting for $2121 billion, non-U S public finance for $513 billion, and global structured finance for $115 billion[28]

Financial Performance - Net Revenue decreased by 37% from R$457.208 million to R$286.644 million[34] - Adjusted EBITDA decreased by 62% from R$169.357 million to R$64.349 million[34] - Net Income decreased from a profit of R$97.457 million to a loss of R$64.275 million[34] - Revenues from Operations decreased by 7% from R$325.296 thousand to R$302.969 thousand[34] Commodity and Input Prices - Soybean prices increased by 2%[17] - Corn prices increased by 17%[17] - Cotton prices decreased by 14%[17] - Cattle Raising prices increased by 43%[17] - Ethanol prices increased by 20%[17] - Sugarcane prices decreased by 21%[17] - Average price of KCL BRASIL increased by 11%[18] - Average price of MAP BRASIL increased by 13%[18] - Average price of UREIA US GOLF increased by 8%[18] Planting Status - 34% of planting was completed as of November 10th[29]

Company Overview - 1stDibs operates an asset-light, two-sided marketplace connecting buyers and sellers of luxury goods[15] - The company's mission is to enrich lives with extraordinary design[10] - 1stDibs has a legacy brand built since its founding in Paris in 2000[17] Key Metrics - 1stDibs has over 7 million registered users[20] - The company's seller stock value exceeds $10 billion[20] - Cumulative GMV from Q1 2016 through Q3 2025 reached $3.1 billion[20] - The platform has processed over 11 million cumulative orders[20] - The average order value (AOV) on the platform is $2,700[20] Financial Performance - Q3 2025 revenue was $22 million[31] - Q3 2025 Adjusted EBITDA was -$243 thousand, representing a -11% Adjusted EBITDA Margin[43] - Gross Margin is 73%[20]

Phase 2 BESTOW Clinical Trial Results November 7, 2025 Forward -Looking Statements This presentation contains forward ‐looking statements that involves substantial risks and uncertainties. Any statements about the company's future expectations, plans and prospects, including statements about its strategy, future operations, development of its product candidates, and other statements containing the words "believes," "anticipates," "plans," "expects," "estimates," "intends," "predicts," "projects," "targets," ...

Company Overview - Docebo's Annual Recurring Revenue (ARR) reached $235.6 million as of September 30, 2025[15] - Subscription revenues constitute 94% of the company's total revenues[15] - The company has a customer base of 3,978[15] - Docebo has over 900 employees[16] - The subscription revenue Compound Annual Growth Rate (CAGR) between fiscal year 2020 and 2024 was 36%[16] Market and Product Strategy - Docebo estimates the total addressable market (TAM) for global learning to be approximately $30 billion, with customer experience (CX) accounting for ~$18.5 billion and employee experience (EX) for ~$11.5 billion[22] - Approximately 60% of Docebo's customers utilize the platform for CX or hybrid training use cases[39] Financial Performance and Growth - Docebo's Q3 2025 subscription revenue growth was 10.3%[93] - The company's Q3 2025 Adjusted EBITDA margin was 20.1%[93] - Docebo's Q3 2025 Free Cash Flow margin was 9.2%[93] - The company has generated approximately $66 million in cash since 2016 while growing ARR to $235.6 million by the end of Q3 2025[97]