Flatexdegiro Se · XETR:FTK
Flatexdegiro — Q3 2026 Earnings Presentation
33 slides from Flatexdegiro's earnings presentation, Oct 22, 2026
Slide 1: Interim Management Statement Q3/2026
Interim Management Statement Q3/2026 22 October 2026
Slide 2: Disclaimer
Interim Management Statement Q3/2026 Disclaimer Unaudited Results Q 3/ 2026 & 9M/ 2026 This release contains unaudited information that is subject to change and that is not intended to be complete . Non -IFRS measures (APMs) This presentation includes non -IFRS measures . These measures are alternat
Slide 3: Today's presenters
Today’s presenters Oliver Behrens Dr. Benon Janos Dr. Thomas Lindner Chief Executive Officer Chief Executive Officer Chief Financial Officer
Slide 4: Record performance delivered in 9M/2026
Interim Management Statement Q3/2026 Record performance delivered in 9M/2026 Strong 9M/2026 results Setting course for the next phase of growth Revenues growing 19% YoY while Net Profit increased Strengthening customer - and market -facing focus at by 37% YoY given strong operating leverage Manageme
Slide 5: Setting course for the next phase of growth
Interim Management Statement Q3/2026 Setting course for the next phase of growth Leadership team extended with more growth -oriented balance Front Office / Markets Back Office Before One : Four Oliver Dr. Benon Christiane Jens Evgeni Behrens Janos Strubel Möbitz Kaplun CEO CFO CHRO COO CRO Front Off
Slide 6: Capital Allocation Strategy: increased dividend followed by opportunistic share buyback
Interim Management Statement Q3 /2026 Capital Allocation Strategy: significantly increased regular dividend (EUR 32 m) followed by an opportunistic share buyback (EUR 100 m) Plans for new share buyback program of up to EUR 100 m announced; subject to Bafin approval Investment in growth Shareholder d
Slide 7: Strong capital base supports financial resilience and strategic flexibility
Interim Management Statement Q3 /2026 Strong capital base supports financial resilience and strategic flexibility • Surplus of actual Total Capital Ratio and Leverage Ratio over regulatory minimum further widened in H1 2026 • Opportunistic share buyback of up to EUR 100 million targeted - even with
Slide 8: Expansion of our comprehensive savings plan offering
Interim Management Statement Q3 /2026 Expansion of our comprehensive savings plan offering • Stocks were introduced as a new savings plan asset class in Germany and Austria in Q1 / 2026 • Commodities (ETC) and Crypto (ETN) were introduced as a new savings plan asset class in Germany and Austria in Q
Slide 9: flatexDEGIRO among price-leaders for Germany's Retirement Savings Account
Interim Management Statement Q3 /2026 flatexDEGIRO among price -leaders for Germany’s Retirement Savings Account (Altersvorsorgedepot ) Multiple account models offering tailored solutions, from standardized investing to individual ETF selection “Core” Standard Account “Plus” Standard Account “Flex”
Slide 10: Q3 2026 Performance
Q3 2026 Performance
Slide 11: Net Cash Inflows of close to EUR 7 bn in 9M/2026
Interim Management Statement Q3 /2026 Net Cash Inflows of close to EUR 7 bn in 9M/2026 with high invest ratios in Q3 Net Cash Inflows (bn EUR) 2024 2025 2026 7.2 6.9 • Net Cash Inflows in Q3/2026 at previous years’ levels • In Q3/2026, 128% of Net Cash Inflows were re - 5.0 invested versus historic
Slide 12: Cash under Custody moderated QoQ given high investment ratios
Interim Management Statement Q3 /2026 Cash under Custody moderated QoQ given high investment ratios Securities under Custody (bn EUR) Cash under Custody (bn EUR) +23 % +11% +5% -6% 106.5 101.8 6.4 6.5 6.2 6.2 89.3 88.1 5.6 86.3 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026 Sep 2025 Dec 2025 Mar 2026
Slide 13: Strong development of our Interest Income line
Interim Management Statement Q3 /2026 Strong development of our Interest Income line Revenues (m EUR) Commission Income (m EUR) Interest Income (m EUR) +14% +6% +33% -10% -17% +6% 115 174 167 107 150 100 149 89 56 132 84 53 49 45 42 Q3/2025 Q4/2025 Q1/2026 Q2/2026 Q3/2026 Q3/2025 Q4/2025 Q1/2026 Q2/
Slide 14: Greater transparency through refined Commission Income disclosure under IFRS 18
Interim Management Statement Q3 /2026 Greater transparency through refined Commission Income disclosure under IFRS 18 Commission Income (m EUR) • Under IFRS 18, Revenues disclosure itself becomes 11 5 more granular 6 9 • Commission Income is now split into two categories: 4 4 4 o Transaction -relate
Slide 15: Commissions per Transaction reflecting lower US trading share and product mix
Interim Management Statement Q3 /2026 Commissions per Transaction reflecting a lower share of US trading and a less favorable product mix Commissions per Transaction (EUR) • Commission per Transaction is Calculation under IFRS 18 now calculated based on -2% transaction -related -5% commission income
Slide 16: Gross profit margin benefits from higher share of NII
Interim Management Statement Q3 /2026 Gross profit margin benefits from higher share of NII Gross Profit (m EUR) Net C ommission Income (m EUR) Net Inte rest Income (m EUR) +18% +8% +33% -9% -16% +6% 150 145 97 130 132 90 84 112 76 54 70 50 47 43 40 Q3/2025 Q4/2025 Q1/2026 Q2/2026 Q3/2026 Q3/2025 Q4
Slide 17: Seasonally lower marketing and advertising expenses in Q3 2026
Interim Management Statement Q3 /2026 Seasonally lower marketing and advertising expenses in Q3 2026 Personnel expenses Marketing and advertising expenses Other administrative expenses (m EUR) (m EUR) (m EUR) 38 21 16 16 14 29 27 14 26 3 24 13 1 2 -1 11 9 9 25 26 25 26 24 7 6 Q3/2025 Q4/2025 Q1/2026
Slide 18: Strong growth in Net Profit of 29% YoY
Interim Management Statement Q3 /2026 Strong growth in Net Profit of 29% YoY Operating Profit ( m EUR) Net Profit (m EUR) +23 % +29 % -17% -18% 59% 54% 61 51% 51% 85 54 76 50 71 40% 58 39 40 52 Q3/2025 Q4/2025 Q1/2026 Q2/2026 Q3/2026 Q3/2025 Q4/2025 Q1/2026 Q2/2026 Q3/2026 Operating Profit Margin (%
Slide 19: 9M/2026 Performance
9M/2026 Performance
Slide 20: Growth of all Revenue lines to record levels in 9M/2026
Interim Management Statement Q3 /2026 Growth of all Revenue lines to record levels in 9M/2026 with strong scale effects Revenues (m EUR) Operating Profit (m EUR) Net Profit (m EUR) +39% +90 % +93 % +19% +36 % +37 % 490 54% 165 20 49% 232 410 18 41% 121 353 158 171 18 128 122 86 136 312 264 200 9M/20
Slide 21: Outlook
Outlook 2026
Slide 22: flatexDEGIRO expects to achieve 2027 financial targets already in 2026
Interim Management Statement Q3 /2026 flatexDEGIRO expects to achieve or even exceed its 2027 financial targets already in 2026, one year ahead of schedule Revenues 2026(e) +16% YoY (around EUR 650 m) Net Profit 2026(e) +25% to +43% YoY (EUR 200 m to EUR 230 m) • flatexDEGIRO expects to achieve or e
Slide 23: Q&A Session
Q&A Session
Slide 24: Appendix
Appendix
Slide 25: Early adoption of IFRS 18
Early adoption of IFRS 18
Slide 26: What is IFRS 18?
Interim Management Statement Q3 /2026 What is IFRS 18? The most significant change to financial reporting in 20+ years Structured Income Statement April 1 New mandatory categories: Operating, Investing & Financing — giving 2024 investors clear, consistent anchors for analysis IASB issued Management
Slide 27: Our Decision: Early adoption of IFRS 18
Interim Management Statement Q3 /2026 Our Decision We are choosing to lead - not follow Our adoption: April 2024 Jan 2027 Jun 2027 Half Year 2026 Mandatory adoption-first IASB issues IFRS 18 Early adoption — ahead of peers Mandatory effective date financial statements under IFRS 18 Why Now? Strategi
Slide 28: Further resources on IFRS 18 adoption available on our Investor Relations Website
Interim Management Statement Q3 /2026 Further resources on IFRS 18 adoption available on our Investor Relations Website Now available IFRS 18 p resentation 1 Comprehensive presentation overview Video webcast 2 Webcast featuring Dr. Thomas Lindner, CFO Head of Finance and Regulatory Reporting IFRS 18
Slide 29: A structured income statement in line with IFRS 18
Interim Management Statement Q3 /2026 A structured income statement in line with IFRS 18 Consolidated Statement of Profit or Loss | IFRS 18 Presentation | FY 2025 (€ millions) FY 2025 FY 2025 € millions Deviance Notes IFRS 18 IAS 1 Revenues 559.8 559.8 0.0 Equal to Revenue (IAS1 presentation) Commis
Slide 30: A structured income statement in line with IFRS 18
Interim Management Statement 9M/2026 A structured income statement in line with IFRS 18 Consolidated Statement of Profit or Loss | IFRS 18 Presentation | FY 2025 (€ millions) FY 2025 FY 2025 € millions Deviance Notes IFRS 18 IAS 1 Personnel expenses 125.6 127.4 -1.7 Current personnel expenses 102.6
Slide 31: Financial overview
Financial overview
Slide 32: Profit and Loss Statement
Interim Management Statement Q3 /2026 Q1 Q2 Q3 Q4 Q1 Q2 Q3 9M 9M Change Profit and Loss Statement 2025 2025 2025 2025 2026 2026 2026 2025 2026 in % Revenues mEUR 146.3 132.1 132.0 149.4 173.6 166.5 150.3 410.4 490.4 +19.5 Commission income mEUR 96.1 83.2 84.5 99.8 115.5 107.3 89.4 263.7 312.2 +18.4
Slide 33: Investor Relations Contact
Investor Relations Contact Achim Schreck Laura Hecker Emma Kinghorn Head of Investor Relations Executive Director Investor Relations Associate Investor Relations Mail: [email protected] Mail: [email protected] Mail: emma.kinghorn @flatexdegiro.com Mobile: +49 160 9277 4570 M