Text (TXT) investor relations material

Executive summary

• Revenue in USD grew 1.0% year-over-year to $66.2 million for Q1–Q3 2025/26, but declined 6.0% in PLN to PLN 249.2 million due to currency effects.

• Net profit for Q1–Q3 2025/26 was 88.1 million PLN, down 31.0% year-over-year, impacted by higher costs and weaker PLN.

• The company completed a major cloud migration, launched the Text App suite targeting enterprise clients and automation, and achieved SOC-2 Type I certification.

• Dividend policy remains strong, with significant payouts and interim dividends distributed.

• Multiproduct customers account for 37.2% of MRR, and over 51% of MRR comes from customers with ARPL ≥ $500, both up year-over-year.

Financial highlights

• Payments received in Q3 2025/26 were $21.89 million, down 1.6% quarter-over-quarter but up 2.1% year-over-year.

• Q3 2025/26 revenue in USD was $22.0 million, slightly up from $21.9 million a year ago.

• Q1–Q3 2025/26 operating profit was 96.2 million PLN, down 29.6% year-over-year; EBITDA was 115.7 million PLN, down 25.0%.

• Cash at period end was PLN 53.3 million, down 39.4% from the prior year.

• Gross profit margin on sales was 67.6%, operating margin 38.6%, and net margin 35.3%.

Outlook and guidance

• No formal financial guidance provided; focus remains on expanding product suite and customer base, with stable MRR in USD and continued growth in API usage.

• No financial projections for FY 2025/26 have been published.