Rasan Information Technology Co. · TADAWUL:8313

Rasan Information Technology — 9M 2026 Earnings Presentation

22 slides from Rasan Information Technology's earnings presentation, Nov 3, 2026

  1. Slide 1: Rasan's Earnings Call 9M 2026

    Rasan’s Earnings Call 9M 2026 3 November 2026

  2. Slide 2: Disclaimer

    DISCLAIMER This presentation contains certain statements that are forward-looking statements. They appear in a number of places throughout this presentation and include statements regarding the intentions, beliefs and/or current expectations of Rasan Information Technology Co (“Rasan” or the “Compan

  3. Slide 3: Agenda

    01 | Business Update 02 | Financial Performance AGENDA 03 | Q&A 3

  4. Slide 4: Business Update

    BUSINESS UPDATE

  5. Slide 5: We Delivered The Strongest Quarter In Our History

    We Delivered The Strongest Quarter In Our History Q U A R T E R LY R E V E N U E ,  M M +40% YoY +17% QoQ Q3 2026 Revenue  301 +40% YoY 261 256 301 MM 215 222 146 Gross profit  139 118 +42% YoY 192 MM 110 Adj. EBITDA  Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 +30% YoY Record quarter

  6. Slide 6: We Maintained Constant Momentum Across the Business Lines

    We Maintained Constant Momentum Across the Business Lines +64% Y O Y R E V E N U E G R O W T H +34% +105% +18% +579% YoY Rev. Growth YoY Rev. Growth YoY Rev. Growth YoY Rev. Growth M O T O R R E TA I L MOTOR LEASING H E A LT H OTHER PRODUCTS § +34% Comprehensive § +34% GWP growth § +20% total GWP gr

  7. Slide 7: We Saw Continuity Through Regional Uncertainty

    We Saw Continuity Through Regional Uncertainty A PERIOD OF CONTINUOUS GROWTH AND STRENGTHENING Service is necessary for people protection +18% +17% Policies issued, YoY Revenue, QoQ Demand is domestic +5 +40 Regulatory consistency supported the sector Products approved Integrations added We are digi

  8. Slide 8: The Protection of Families and Companies is our Priority

    The Protection of Families and Companies is our Priority WHO IS PROTECTED THROUGH RASAN W H AT W E E N A B L E S T R U C T U R A L LY INCREASE OF ADOPTION AND PENETRATION Drivers and vehicles 6.5MM FAIRNESS AND TRANSPARENCY Families and domestic workers 800K PROTECTION DELIVERED DIGITALLY AFFORDABIL

  9. Slide 9: We Are Unlocking Enablers For The Next Wave Of Growth

    We Are Unlocking Enablers For The Next Wave Of Growth Recent enablers • Completing the product portfolio + Retail insurance lines Every cover a person needs, in one marketplace • Increase of the partnerships with the ecosystem Non-regulated services add the profit that low • 3X growth in number of S

  10. Slide 10: Financial Performance

    FINANCIAL PERFORMANCE

  11. Slide 11: 9M 2026 Key Highlights: Revenue Up 64% and Adjusted EBITDA Up 92%

    9M 2026 Key Highlights: Revenue Up 64% and Adjusted EBITDA Up 92% GWP VOLUMES REVENUE 8.6 Bn +7% Motor +15% Motor +18% Health1 819 MM +42% Y-o-Y Retail Leasing +64% Y-o-Y GROSS PROFIT ADJUSTED NET PROFIT ADJUSTED EBITDA 550 MM 330 MM 359 MM +77% Y-o-Y +91% Y-o-Y +92% Y-o-Y 1. Growth in Health S

  12. Slide 12: Gross Written Premiums Grew 42% YoY to 8.6 Billion in 9M26

    Gross Written Premiums Grew 42% YoY to 8.6 Billion in 9M26, with Growth Across Every Product Line Gross Written Premiums (“GWP”) Billion ü GWP up 42% YoY to 8.6Bn in 9M 2026, +42% with every line of business contributing to 8.6 the growth 0.3 n.m. 0.7 +20% YoY ü Motor Retail up 42% to 4.4Bn from

  13. Slide 13: Revenue Grew 64% YoY to 819 Million

    Revenue Grew 64% YoY to 819 Million, With Q3 2026 the Highest Quarter on Record Revenue Million ü Revenue up 64% YoY to 819 MM in +64% 9M 2026, from 500 MM, with every line 819 of business growing ü Q3 2026 revenue of 301 MM, up 40% 500 YoY, the highest quarter in the Group's +40% history 301 2

  14. Slide 14: Gross Profit Rose 77% YoY to 550 Million at a 67% Margin

    Gross Profit Rose 77% YoY to 550 Million at a 67% Margin Gross Profit and Margin Million Gross Profit Margin ü Gross profit up 77% YoY to 550 MM in 9M 2026; Q3 2026 up 42% to 192 MM 63% 64% 62% 67% ü Gross margin rose to 67.2% from 62.4%, as new products moved towards positive +77% margins 550 ü

  15. Slide 15: Adj. EBITDA Rose 92% YoY to 359 Million

    Adj. EBITDA Rose 92% YoY to 359 Million, With Margin Up 6.4 p.p. to 44% Adj. EBITDA Million Adj. EBITDA Margin 44% 41% 37% 44% ü Adj. EBITDA up 92% YoY to 359 MM in +92% 9M 2026 359 ü Margin rose to 43.8% from 37.4%, as revenue growth outpaced the cost base +30% 187 ü Marketing rose to 137 MM fr

  16. Slide 16: Adj. Net Profit Rose 91% YoY to 330 Million

    Adj. Net Profit Rose 91% YoY to 330 Million, Converting 92% of Adj. EBITDA Adj. Net Profit Million Adj. Net Profit Margin 41% 38% 34% 40% ü Adj. net profit up 91% YoY to 330 MM in +91% 9M 2026 330 ü Adj. net margin rose to 40.3% from 34.5%, as EBITDA growth flowed through to the bottom line +29%

  17. Slide 17: Accelerating Momentum Gives Us the Conviction to Raise FY2026 Guidance

    Accelerating Momentum Gives Us the Conviction to Raise FY2026 Guidance Prior 9M26A Revised FY 2026 Guidance FY 2026 Guidance Revenue 819 Million 1,025–1,100 Million 900–975 Million ( Million) +64% YoY Midpoint +13% vs prior Gross Profit 70.0–72.0% 550 Million 725–750 Million ( Million) gross

  18. Slide 18: Thank You

    Thank You ‫ﺷﻜﺮاﹰ‬

  19. Slide 19: Supporting Materials

    SUPPORTING MATERIALS

  20. Slide 20: 9M 2026 Summary P&L: Strong Performance Across the Board

    9M 2026 Summary P&L: Strong Performance Across the Board  MM Q3 2025 Q3 2026 YoY 9M 2025 9M 2026 YoY Revenue 215 301 40% 500 819 64% Gross Profit 135 192 42% 312 550 77% Gross Profit Margin 63.1% 63.8% +0.7 p.p. 62.4% 67.2% +4.8 p.p. Opex (53) (83) 57% (164) (261) 59% Adj. EBITDA¹ 95 123 30% 187 35

  21. Slide 21: Reconciliation of Reported to Restated Figures – 9M 2025

    Reconciliation of Reported to Restated Figures – 9M 2025 The tables below reconcile previously reported figures to restated figures. The adjustments are consistent with those previously disclosed in the Group's published 2Q 2026 financial statements and have no impact on gross profit, adjusted EBITD

  22. Slide 22: Reconciliation of Reported to Restated Figures – 3Q 2025

    Reconciliation of Reported to Restated Figures – 3Q 2025 The tables below reconcile previously reported figures to restated figures. The adjustments are consistent with those previously disclosed in the Group's published 2Q 2026 financial statements and have no impact on gross profit, adjusted EBITD

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