Ripley Corp (RIPLEY) Corporate presentation summary

Business overview and financial highlights

• Operates a leading physical and digital ecosystem in Chile and Peru, with diversified cash flow from retail, banking, and real estate segments.

• Generated USD 2.3 billion in revenue and USD 245 million in EBITDA (LTM June 2025), with 64% of revenue from Chile and 36% from Peru.

• Total assets reached USD 4.2 billion, with a loan portfolio of USD 1.5 billion and investment properties valued at USD 695 million.

• Over 18,000 employees and more than 65 years of operational experience.

Geographic presence and ecosystem

• Operates 72 retail stores, 77 bank branches, and 8 shopping malls with a total GLA of 510,988 sqm.

• Retail stores reach 72% of Chile's population within 60 minutes and 55% of Peru's within 45 minutes.

• Ecosystem attracts over 69 million monthly visitors, supported by loyalty programs and exclusive bank deals.

Financial performance and margin recovery

• Revenue has grown at a 5.5% CAGR since 2019, with margin recovery driven by SG&A efficiencies and a focus on high-margin products.

• Bank segment outpaces industry loan growth by over 3x, maintaining historically low delinquency rates.

• Real estate business doubled its GLA and EBITDA contribution.

• Cash flow generation now exceeds 2019 levels, with non-banking EBITDA up 86% since 2019.