Hilton Grand Vacations (HGV) investor relations material

Business overview and key statistics

• Generated $5.4B in total revenue, $3.3B in contract sales, and $1.2B in adjusted EBITDA for 2025.

• Over 200 resorts globally and more than 720,000 members.

• Four synergistic business lines: real estate, rental & ancillary, financing, and club & resort management.

• Partnerships with major brands enhance lead generation and customer value.

• Segment adjusted EBITDA mix: 37% real estate, 22% financing, 4% rental.

Resilient business model

• Focus on leisure travelers and experiential spend, with products tailored to evolving preferences.

• Monetizes unutilized inventory through rentals, offsetting carrying costs and generating tours.

• Recurring income streams from club dues, property management, and financing provide stability.

• Broad chain scale and geographic diversity, with 90% of owners living within a 4-hour drive of a resort.

• Demonstrated resilience and stable credit performance through economic cycles.

Substantial embedded value

• Majority of member lifetime value is realized after initial purchase, with upgrades and recurring fees.

• 63% of buyers finance purchases, typically with 10-year fixed-rate loans.

• HGV Max members upgrade earlier, are more active, and have >20% higher lifetime value.

• Strategic partnerships with Bass Pro Shops and Great Wolf Lodge expand lead generation and experiences.

• Inventory optimization and recapture strategies support future cash flow.