Rasan Information Technology Co. · TADAWUL:8313
Rasan Information Technology — 9M 2025 Earnings Presentation
19 slides from Rasan Information Technology's earnings presentation, Nov 4, 2025
Slide 1: Rasan's Earnings Call 9M-2025
Rasan’s Earnings Call 9M - 2025 November 4th, 2025
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
Slide 3: Agenda
01 | Opening remarks 02 | Business Update AGENDA 03 | Financial Performance 04 | FY2025 Guidance 05 | Q&A 3
Slide 4: Opening Remarks
FASanN EMARKS tpi i bi bis)
Slide 5: 9M-2025: Continued profitable growth
9M-2025: Continued profitable growth Robust Revenue growth Strengthening EBITDA • Establishing Domestic Helpers margin • Affirmed the transition of the leasing partnerships • Continue scaling new +83% Y-o-Y 42% insurance products (i.e. Travel, MMP, Health Individual, Home…) +14p.p. vs 9M 24 • Progre
Slide 6: 9M-2025: Financial highlights
9M-2025: Financial highlights Revenue Volumes GWP 440 MM +23% Motor Retail +30% Motor Leasing ~6.0 B 83% Y-o-Y +88% 28% Y-o-Y Health Gross Profit Adj. Net Profit Operating Cashflow 312 MM 172 MM 147 MM +115% Y-o-Y +213% Y-o-Y 55% Y-o-Y Note: GWP= Gross Written Premiums 6
Slide 7: Business Update
BUSINESS UPDATE
Slide 8: Continued momentum across our business lines
Continued momentum across our business lines % revenue growth 9M YoY +53% +160% +56% +139% Motor Retail Motor Leasing Health Other Products 83% cumulative revenue growth YoY 8
Slide 9: Strengthening and accelerating our core portfolio
Strengthening and accelerating our core portfolio Motor Retail Motor Leasing Renewal Comprehensive TPL rate GWP GWP +53% +160% Revenue growth YoY +6p.p. +70% +19% YoY YoY YoY YoY Revenue growth Continued model innovation Health SME § Strengthened the service and customer experience Renewal SME SME H
Slide 10: Continuing to grow the portfolio with strategic timing
Continuing to grow the portfolio with strategic timing New products Motor Motor Fleets Domestic Helpers - Health Health Health Health Individual Corporate (Pilot) Other Domestic Helpers - General MMP Travel Home Contract Life Protection & Savings Financial Portfolio development in progress Services
Slide 11: Financial Performance
FINANCIAL PERFORMANCE
Slide 12: 9M-2025 Summary P&L: Strong performance across the board
9M-2025 Summary P&L: Strong performance across the board Million 9M 2024 9M 2025 YoY Var Revenue 240 440 +83% Gross Profit 145 312 +115% Gross Profit Margin 60% 71% +11p.p. Opex 88 154 +75% Adj. EBITDA1 68 187 +176% Adj. EBITDA Margin 28% 42% +14p.p. Adj. Net Profit1 55 172 +213% 1. Adjusted EBITD
Slide 13: Solid growth and continued product diversification
Solid growth and continued product diversification Revenue MM ü Rasan delivered record revenue +83% growth of 83% YoY 440 57% 240 ü The performance was underpinned 195 by continued growth in motor 124 retail, upgrades in motor leasing business model, on-boarding of Q2 2025 Q3 2025 9M 2024 9M 2025
Slide 14: Solid and attractive gross profit as a result of an efficient cost base
Solid and attractive gross profit as a result of an efficient cost base Gross Profit and Margin MM, % ü Rasan continued to deliver strong 73% 70% 60% 71% profitability in the first 9M of 2025, with gross profit increasing 115% by 115% year-on-year to +50% SAR 311.7 million 312 135 90 145 ü Gross p
Slide 15: Resilient and growing Adj. EBITDA
Resilient and growing Adj. EBITDA Adj. EBITDA1 evolution and Margin MM, % ü Adjusted EBITDA rose by 176% 45% 49% 28% 42% YoY to 186.5 million in 9M 2025, with an adjusted +69% 176% EBITDA margin of 42.4%, up from 28.1 % in the 9M of 2024 95 186 56 68 ü This strong performance reflects strong top-
Slide 16: High conversion rate from Adj. EBITDA to Adj. Net profit
High conversion rate from Adj. EBITDA to Adj. Net profit Adj. Net Profit and Margin MM, % 41% 46% 23% 39% ü Adjusted net profit reached 172.2 million in 9M 2025, +74% +213% representing an increase of 89 172 213% YoY 51 55 ü High conversion rate of Adj. EBITDA to Adj. Net Profit due to: | Control
Slide 17: Updated FY 2025 Guidance
Updated FY 2025 Guidance
Slide 18: Upgrading guidance to reflect accelerated business momentum
Upgrading guidance to reflect accelerated business momentum Updated FY24A 9M25A FY 2025 Guidance Revenue Growth 358 MM 440 MM 625 - 650 MM (YoY) 40.0% p.a. 82.8% p.a. YoY growth 75% - 82% Gross Profit Margin (%) 66.5% 70.9% 68.0 – 70.0% Adj. EBITDA Margin (%) 31.7% 42.4% 38.0 – 41.0% 18
Slide 19: Thank You
Thank You ﺷﻜﺮاﹰ
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