Softlogic Holdings (SHL.N0000) investor relations material

Executive summary

• Revenue for the nine months ended 31 December 2025 grew 24% year-over-year to Rs. 93.75 billion, with strong contributions from both contract and insurance revenues.

• Gross profit increased 20% year-over-year to Rs. 32.9 billion, but the group reported a net loss of Rs. 2.89 billion, a significant improvement from the Rs. 7.69 billion loss in the prior year period.

• EBITDA rose 32% year-over-year to Rs. 10.36 billion for the nine-month period.

• Total comprehensive loss for the period was Rs. 2.56 billion, down 58% from the previous year.

Financial highlights

• Revenue from contracts with customers increased 22% year-over-year; insurance contract revenue rose 29%.

• Operating profit surged 52% year-over-year to Rs. 7.31 billion.

• Net finance costs decreased 6% year-over-year, reflecting lower finance expenses.

• Basic loss per share improved to Rs. (5.08) from Rs. (8.18) year-over-year.

• Cash flow from operating activities was Rs. 9.58 billion, up from Rs. 2.64 billion in the prior year.

Outlook and guidance

• Regulatory restrictions on Softlogic Finance PLC were lifted by the Central Bank following compliance with capital adequacy requirements.

• No significant events after the reporting period except for regulatory compliance updates.