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Profile Systems & Software S.A. Investor Presentation 2026
2618_rns_2026-04-17_7b7436ec-1645-4e4c-9593-67132d4caad2.pdf
Investor Presentation
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Profile
Software
Innovative Software Solutions
IR Presentation
17 April 2026
Profile Software
Disclaimer
This document has been created by Profile Software (Profile) in order to be used for specific purposes in corporate presentations. The information included in this presentation has not been reviewed by an independent authority. No belief, position or opinion expressed should be based on the impartiality, accuracy, completeness or correctness of any information or opinion included in this document. Profile, its subsidiaries and affiliates, or their directors or representatives thereof, shall have no obligation or liability, due to negligence or otherwise for any damages arising from or in connection with the use of this document or the contents thereof.
This document is not an offering or solicitation for the purchase or subscription to any shares. The information included in the present document that is not of historical nature reflects statements that comprise future estimates and forecasts. All such forward-looking statements, such as the representations regarding Profile's ability for further development and expansion of activities, expansion in new markets, cost reductions including labor cost, or regarding the impact of law, or changes in the overall economic conditions, or recourses to courts of law, or anticipated future revenue, or financial resources, or the use of funds or any other representations that are included in the present document reflect management's best judgment based on factors currently known and include uncertainties and risks. There is no guaranty that the anticipated results will be achieved. Real facts or results may vary from the expressed assessments, due to the conditions of uncertainty that Profile is faced with.
Profile Software
Agenda
Profile
Software
Overview
Profile Software
Profile at a Glance
Specialized technology solutions
founded in 1990
Addressing the Financial Services Industry & Enterprises
Mission Critical SW - Systems of Records
> €2 trillion in AuM
>400 Clients
Awards and distinctions
in Fintech
across EMEA and NA
2.4x Revenue & EBITDA Growth
since 2021
M&A
4 acquisitions in Europe, with 2 advanced cases in pipeline
c. 450 Employees
Global Presence
50+ countries
12 entities
Gartner
Top 15 quadrant / 10th European vendor
Delivering Strong YoY Growth
Profile is a profitable, cash-generative fintech platform, trading at a discount to European peers, with significant organic and M&A runway
Profile Software
Presence in 50+ Countries
12 Entities
- Athens (HQ)
- Thessaloniki
- Patras
- London
- Leicester
- Paris
- Stockholm
- Oslo
- Dubai
- Nicosia
- Miami
- Singapore
Offices Presence
Profile Software
Solutions Portfolio
| Investment Management | |
|---|---|
| Wealth management | |
| Custody | |
| Asset and Fund management | |
| Shareholders management | |
| Banking | |
| --- | --- |
| Digital banking | |
| Core banking | |
| Treasury management | |
| Risk management | |
| Large-Scale | |
| --- | --- |
| Workflow / Doc. Mgt systems | |
| Software Platforms & Onboarding | |
| Payments & Pension systems | |
| Debt & Property management |
Profile Software
Key Milestones
Profile Software
Update on Recently Closed M&A: Strong Strategic Fit in Profile's Suite
1. ALGOSYSTEMS
Deal status: Closed end-January 2026
€11.0m Revenue 2026E (11 months)
Revenue mix: Recurring · Managed services · Implementation
BUSINESS OVERVIEW
AlgoSystems is a Greek-based technology company providing specialised solutions, automation and cybersecurity services to enterprise and mid-market clients
INTEGRATION TIMELINE
Transition: 3–6 months | smooth handover to new management
Transformation: 6–18 months | new services introduced & operations scaled
KEY SYNERGIES
- Cybersecurity (SOC/MSSP) & ICT cloud - new high-margin recurring revenue
- Cross-sell potential across Profile’s financial services & enterprises client base
- Embedded AI capabilities deployed across the full services stack
- Broadens Group into adj. markets: cybersecurity, cloud & managed IT
Cybersecurity
AlgoSystems brings MSSP, cybersecurity and cloud services to Profile’s ecosystem — a fast-growing, high-margin adjacent market
SOC / security services
ICT + cloud capabilities
Strategic fit: High-margin managed services expanding Group revenue quality
Profile Software
Update on Recently Closed M&A: Strong Strategic Fit in Profile's Suite (Cont'd)
2
CONTEMI
Deal status: Closed end-January 2026
- €2.5m Revenue 2026E (11 months)
- Revenue mix: Recurring licensing · Maintenance · Professional services
BUSINESS OVERVIEW
Contemi is a UK-based FinTech company providing cloud-first wealth and investment management solutions and is an end-to-end, modular and scalable software for investment managers and private banks.
INTEGRATION TIMELINE
- Integration: 3–6 months with a dedicated cross-company team, aligned on strategic objectives.
- Merger: of UK operations into a larger combined UK entity; “Profile UK”
KEY SYNERGIES
- Contemi’s WIN UK specific functionalities merged into AXIA to create a holistic solution for the UK market
- Deepens UK market presence and accelerates Profile cross-sell in a high-value jurisdiction
- Shared R&D investment and cloud infrastructure efficiency savings
UK Expansion
Contemi enhances Profile’s UK footprint with cloud-first, front-to-back wealth workflows for UK investment firms
- 50bn+ assets / 50k+ users
Strategic expansion
Strategic fit:
Strengthens Profile’s UK presence and adds local market functionality
Profile Software
New Initiatives: Broadening Profile's Reach
1 ProfileOne
Agentic AI orchestrated ecosystem accelerating banking & investment management modernization
[ Ack → Decide → Act ] All in one platform
[ AI Orchestration Layer ]
Strategic fit: One AI-orchestrated platform. New revenue layer. Structurally high client retention + cross-selling
2 CentevoNet
Direct-access SIP Pension fund distribution platform connecting fund managers to Norway's self-selected pension market through a B2B2C model
[ First Mover Platform ]
3-stage rollout
Strategic fit: Unlocks recurring fee income from Norway's €55bn captive pension market
3 Profile Properties Platform
AI-first property management centralising asset data, contracts, expenses and returns in one platform
[ Single source of truth ]
Cloud or on-premise
Strategic fit: Opens property management vertical; multiplies cross-sell within existing accounts
Profile Software
ProfileOne Platform: AI-Orchestrated Banking & Investment Platform
Unified Financial Services Ecosystem
One interoperable layer across banking, investment, digital, treasury and risk, with connectivity to CRM, ERP and reporting tools.
AI-powered Orchestration
Single UI/UX, shared AI engine, workflow execution, consolidated analytics and API-led integration across modules.
Customer & Advisor Intelligence
Customer 360, enterprise knowledge assistant and next-best actions to support onboarding, servicing and decisioning.
Commercial & Delivery value
AI-first, cloud-native and multi-tenant architecture enabling faster implementation, scalable delivery and modular upsell.
AI-first | CRM-agnostic | API-first | Enterprise-ready
ProfileOne User Interface
Single experience across channels for onboarding, servicing and investment workflows
Profile Software
CentevoNet:
Self-Invested Personal Pension (SIPP) Fund Distribution Platform - Norway
Direct Pension Market Access
First-mover platform connecting fund managers directly to Norway's €55bn self-selected pension market — a capability most funds lack today.
3-Stage De-Risked Rollout
Phased from pilot (Q2 2026) to marketplace to fully licensed platform with BPO back-office services; EBITDA-positive by 2027.
Client Ownership Advantage
Fund managers retain full end-client visibility unlike other providers
First-Mover | Client Ownership | EBITDA-positive 2027
Norwegian Pension Market Opportunity
Self-selected pension accounts are the fastest-growing segment in Norwegian pension
€55.3B Total EPK Assets Dec 2025, +16% YoY
12.1% Self-Selected Share Up from ~6% in 2023
€67.2B Projected 2029 8% annual growth rate
EPK AuM Composition (EUR B)
Self-selected pension market; fastest-growing pension segment in Norway
Profile Software
Profile Properties Platform: AI-Driven Real Estate Management Platform
Unified Asset Lifecycle Management
Full portfolio coverage from acquisition to disposition; centralised data governance across assets, contracts, financials and documents.
AI-Powered Analytics & Intelligence
Predictive models, AVM valuations, risk scoring and investment decision support delivered via real-time dashboards and portfolio reporting.
Workflow & Document Automation
Task management, compliance tracking and document control with audit trails; integrations with any ERP system.
Flexible & Scalable Deployment
Cloud or on-premise, multi-company and multi-user; modular rollout in up to 12 weeks proven across banks, insurers, public sector, real estate funds and large corporates
Cloud or On-premise | API-first | Enterprise-ready
Profile Properties Platform Interface
Unified property intelligence across asset management, analytics and investment workflows
Profile Software
Industry Recognition
Recognised among the top global software solutions providers
| AWARDS | REPORTS | ||||
|---|---|---|---|---|---|
| Gartner | |||||
| Gartner® Magic Quadrant™ | |||||
| Retail Core Banking Systems, Europe | AI & DATA | ||||
| AWARDS 2026 | BANKING TECHAWARDS | ||||
| 2025 | MEAFINANCE | Gartner | |||
| FORRESTER | |||||
| AI & Data Awards 2026 | |||||
| Best in BFSI | |||||
| (Banking, Financial Services, and Insurance) | AI & Data Awards 2026 | ||||
| Best Combination of ML and GenAI/LLMs | Banking Tech Awards 2025 | ||||
| Finalist: Best Digital Solution Provider – Banking Tech | |||||
| Finalist: Best Digital Solution Provider – WealthTech | MEA Finance Awards 2025 | ||||
| Best Digital Banking Innovation Provider | |||||
| Global Private Banker | |||||
| Best Investment Management Platform for a Private Bank | WEALTHTECH100 | IBS intelligence | |||
| Global FinTech Perspectives | DIGITAL FINANCE AWARDS | IBS intelligence | |||
| Global FinTech Perspectives | |||||
| WealthTech100 Report | |||||
| Most Innovative Companies 2026 | Global FinTech Innovation Awards 2025 | ||||
| Best-in-Class Wealth & Private Banking | Digital Finance Awards 2024 | ||||
| Grand Award - Digital Banking Provider of the Year | Digital Finance Awards 2024 | ||||
| Best Digital Platform | DESIGNATION | ||||
| Digital Finance Awards 2024 | |||||
| Best Consumer / SME Lending Digital Initiative |
Profile Software
Indicative Clientele
20 new clients and another 26 re-licensings & upgrades in 2025
Profile Software
Client Testimonials
KOMMUNINVEST
"Finuevo Core will allow us to modernise and streamline our lending operations, supporting our mission to provide cost-efficient and sustainable financing solutions to our members with enhanced speed and precision".
David Ljung, Chief Lending and Advice Officer Kommuninvest - Sweden
CO-OPERATIVE BANK
We are you
"Co-op Bank's adoption of Acumen.plus Treasury Management has strengthened operational efficiency, risk management, and scalability, enabling us to better serve our clients in a dynamic financial landscape."
Mutahe Karuoro, Head of Treasury at Co-op Bank - Kenya
access
"Partnering with Profile is a strategic move in our efforts to enhance bespoke Wealth Management services."
Jamie Simmonds, CEO & Managing Director Access Bank - UK
CrediaBank
"We have selected Profile's advanced solution to effectively operate based on the Basel IV framework with confidence, transparency, and efficiency."
George Kouroumalos, Chief Risk Officer at CrediaBank - Greece
17
Profile
Software
Financials
Profile Software
2025 Key Financial Highlights
| €47.5m | +18% |
|---|---|
| Revenues | Growth |
| c. 28% | 20 |
| EBITDA margin | New Clients |
| 46 | €130m |
| New Contracts | Backlog |
| 70% | €15m |
| Cash Conversion | Net Cash |
- Clients
- Accelerate and optimize customer acquisition
- Drive digital upselling and cross-sell efficiency
- Revenue
- Accelerate recurring and subscription-based revenue growth
- Convert one-time deals into recurring revenue streams
- Profitability
- Deliver cost efficiencies and compelling pricing
- Prioritize profitable growth through clients, scale and targeted M&A
- Cash Conversion
- Maximize EBITDA-to-cash performance through efficient working capital management
- Capital & Leverage
- Maintain a cash generative model to enable strategic financial flexibility
- Innovation
- Leverage emerging tech & AI to accelerate innovation and solution delivery
- Productize key solutions
Profile Software
Profitability Metrics
| €m | FY-2024 | FY-2025 | Y-o-Y reported |
|---|---|---|---|
| Revenue | 40.1 | 47.5 | 18% |
| EBITDA | 10.3 | 13.1 | 27% |
| Margin | 26% | 28% | |
| EBT | 7.3 | 8.2 | 13% |
| Net profit | 5.6 | 6.4 | 14% |
| EPS | 0.2282 | 0.2577 | 14% |
Profile Software
Solid Balance Sheet
Key Balance Sheet Ratios Remain Stable
Profile Software
Liquidity
Debt/EBITDA c. 1.2x
c.70% Cash/EBITDA
Debt/Equity at <0.4x
Current ratio 1.7x
Rating A by ICAP
Profile
Software
Industry
Profile Software
IT Spending: Banking Industry
£bn
Trends
Source: Gartner
Profile Software
IT Spending: Investment Services Industry
€bn
Trends
Source: Gartner
Profile Software
Strategy
Profile Software
Forward Looking Strategy
Commercial Expansion
- Solutions focused on the fastest-growing fintech verticals
- Global and growing footprint: expanded in 11 new countries since 2021
- Capture market share in key markets – targeting 20% + client growth until 2028
- Increasing ARPC; target Tier 2–4 banks & asset managers
Innovation
- Committed to R&D investment - c.15% of revenues
- Productized solutions: functionality breadth & high recurrence
- Innovative solutions in AI & Digital Wealth/Banking
- API-first & embedded UI solutions
- Cloud SaaS & Managed Services to boost margins & deepen client stickiness
M&A
- Accelerate Growth: 4 acquisitions completed since 2017
- On track to supplement growth by EUR50m
- Acquire talent, Networks & expand Footprint
- Complementary solutions & strong cultural fit
- Synergies & Cost efficiencies
Transformation
- Multiple projects through a single platform
- Extensive use of AI internally
- Online Sales channels
- Inflation advantage: technology scales without linear cost growth
- Improving revenue-per-employee ratio year-on-year
- Target 30% EBITDA margin by 2028
Committed to invest up to EUR100m to support our growth strategies; with EUR17m invested to date
Profile Software
Differentiation: Profile Delivers the Best of Both Worlds
vs Traditional Vendors
Established in high value markets while maintaining a flexible cost base given Profile's structural cost advantage
vs Neo Vendors
Functionality breadth Profile offers 30+ years of production-grade financial software — proven at scale
Innovation focused on high growth segments and AI first solutions, with no technical debt
Financial health free cash flows, zero leverage
Understanding client needs agility, commitment, collaboration and holistic servicing of clients
References & Recognition 400+ live clients, Gartner-recognised, Tier 1 references globally
Profile: trusted depth meets "next.gen" agility and innovation
Profile
Software
Stock info
Profile Software
Shareholder Structure & Listing Details
- Founder
- Management
- Foreign Institutional Investors
- Greek Institutional Investors
- Retail Investors
- Treasury Shares
Listing ATHEX General Index, FTSE XA MID CAP
Number of shares 24.823.934
Free Float: 48%
Symbol Bloomberg: PROF:GA Reuters code: PRFr.AT ISIN code: GRS472003011
Profile Software
Comparative Multiples
Profile Key Valuation Multiples
Peers EV/EBITDA
Peers EV/Sales
Profile Software
Historical Share Price Performance & Consensus Forecast
Profile Software
Thank you!
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