SAGILITY LIMITED

rs,

lityhealth.com Powering Payers, PBMs, and Providers to operate smarter, faster, and at scale. Certain statements in this release c

100%

latforms, point solutions, RPA, and Analytics Strong Industry Presence And Client Partnerships 100% US Healthcare focused 25 Years of experience in Healthcare 80+ Healthcare Clients 7 of the to

rs 4100

Years Global Scale of Operations 40,000+ Healthcare Associates 5 Geographies 35 Delivery centers 4100+ Clinicians and Technology Experts 1.37 B+ Transactions 90.6% Offshore & Nearshore FY25 Revenu

90.6%

5 Geographies 35 Delivery centers 4100+ Clinicians and Technology Experts 1.37 B+ Transactions 90.6% Offshore & Nearshore FY25 Revenue from Operations $572.9 M $658.3 M $591.8 M Robust Growth $

14.9%

5 Revenue from Operations $572.9 M $658.3 M $591.8 M Robust Growth $658.3 M Y-o-Y Growth (%) 14.9% $518.2 M $476.5 M 25.5% 15.9% Adjusted EBITDA margin for 9M FY26 Adjusted PAT margin for 9M

25.5%

$572.9 M $658.3 M $591.8 M Robust Growth $658.3 M Y-o-Y Growth (%) 14.9% $518.2 M $476.5 M 25.5% 15.9% Adjusted EBITDA margin for 9M FY26 Adjusted PAT margin for 9M FY26 FY23 FY24 FY25 YTD

15.9%

M $658.3 M $591.8 M Robust Growth $658.3 M Y-o-Y Growth (%) 14.9% $518.2 M $476.5 M 25.5% 15.9% Adjusted EBITDA margin for 9M FY26 Adjusted PAT margin for 9M FY26 FY23 FY24 FY25 YTD Dec FY

29%

out-of-pocket premiums is resulting in decline in total enrollment. • As of Jan 2026, there was 29% decline in new consumers and 3.4% decline in total enrollment in 2026 vs 2025. Tariffs H-1B Pol

3.4%

ng in decline in total enrollment. • As of Jan 2026, there was 29% decline in new consumers and 3.4% decline in total enrollment in 2026 vs 2025. Tariffs H-1B Policy • With the February 20th US S

89%

nd membership volatility. Margin protection will require , , , and focused initiatives 89% 86% 88% 87% 90% 90% 82% 83% 93% 91% 86% 84% 88% 87% 90% 89% 82% 81% 83% 84% 88%

86%

embership volatility. Margin protection will require , , , and focused initiatives 89% 86% 88% 87% 90% 90% 82% 83% 93% 91% 86% 84% 88% 87% 90% 89% 82% 81% 83% 84% 88% 88%

88%

ship volatility. Margin protection will require , , , and focused initiatives 89% 86% 88% 87% 90% 90% 82% 83% 93% 91% 86% 84% 88% 87% 90% 89% 82% 81% 83% 84% 88% 88% 88%

“• Target small and mid-market MA plans through coordinated sales, marketing campaigns, brand positioning and events.”

“Long Term Financial performance snapshot Revenue ($M) FY25 YoY% TTM Dec YoY% 14.9% 22.6% Adjusted EBITDA* ($M) FY25 YoY% TTM Dec YoY% 25.9% 22.2% Adjusted PAT ($M) FY25 YoY% TTM Dec YoY% 34.8% 39.0% $572.9 $658.3 $630.9 $773.6 $137.8 $173.6 $162.9 $199.2 $71.1 $95.8 $87.9 $122.1 FY24 FY25 TTM Dec 24 TTM Dec 25 FY24 FY25 TTM Dec 24 TTM Dec 25 FY24 FY25 TTM Dec 24 TTM Dec 25 Consistent Revenue & EBITDA growth.”

“Other Financial Indicators Adjusted EPS (in INR) 2.27 Adjusted ROCE % 54.9% 53.5% 1.38 1.76 47.0% FY24 FY25 TTM Dec 25 FY24 FY25 TTM Dec 25 Cash Conversion (%) 87.2% 70.8% 89.7% 80.5% 49.7% 39.7% ₹21,678 $260.0 M 1.9x ₹25,000 ₹20,000 ₹15,000 ₹10,000 ₹5,000 ₹0 FY24 FY25 9M FY 26 FY24 Net Debt $122.0 M ₹10,433 0.71x FY25 2.50 2.00 1.50 1.00 0.50 - ₹6,426 $71.5 M 0.37x TTM Dec 25 OCF % FCF % Net Debt (in INR Million) Net Debt in $M Net Debt to Adjusted EBITDA Steady Increase in Adjusted EPS.”

“Adjusted EBITDA Adjusted PAT (USD M) FY2023 FY2024 FY2025 9M FY26 (USD M) Revenue from operations 518.2 (INR 42,184 M) 572.9 (INR 47,536 M) 658.3 (INR 55,699 M) 591.8 (INR 51,686 M) Revenue from operations 126.2 (INR 10,272 M) 131.1 (INR 10,881 M) 153.4 (INR 12,979 M) 146.1 (INR 12,756 M) PAT”

“FY2023 FY2024 FY2025 9M FY26 518.2 (INR 42,184 M) 572.9 (INR 47,536 M) 658.3 (INR 55,699 M) 591.8 (INR 51,686 M) 17.6 (INR 1,436 M) 27.5 (INR 2,283 M) 63.7 (INR 5,391 M) 76.4 (INR 6,670 M) EBITDA3”

Adjustments

4

Capability Evolution

1

MLR Reduction

1

Example of a current deal

1

MLR reduction from redesigned UM process

1

Core features

1

Capability Evolution

Fueling Strategic Market Expansion Process Improvement Streamlined and optimized business processes t c a p m I s s e n i s u B Digital Enablement • Task Automation • Business Intelligence • Productivity uplift + Six Sigma + SOP redesign + Human-led optimization + Point Solutions + RPA + Analytics + Process Mining + Dashboards GenAI-Augmented Operations Agentic AI-Embedded Operations Rapid process transformation with Human + AI working model. • Improved task automation • SmarTec Assist Nurse, Appeals etc. • Faster Knowledge • SmarTec Agents retrieval Benefits, Eligibility etc. Lifecycle Operations AI-led Workflow Orchestration delivering Enterprise-wide impact. • Synchrony Lifecycle model: Medicare, UM, Claims, PI etc. • Customized for client’s ecosystem • Faster time to market • Automated documentation • SmarTec Workmates Recruiter, Trainer, Coach etc. • MLR Impact + Healthcare-specific + Healthcare-specific + AI-led orchestration CLMs CLMs + Multi-Agent orchestration + Single Window

MLR Reduction

Clinical Solutions • Fixed cost/ PMPM Solutions driving medical cost • Take market-share from “traditional” contingency impact, across care continuum based UM players • Focus on Member health outcomes – improves HEDIS Quality measures • Medicare: Revenue growth with higher stars • Blend our key assets (Medical policies, Clinical Resources, SmarTec assets, Platforms and Partners) for higher revenue and margins

Example of a current deal

Scope Provider Data, Claims, Provider Calls for a line of business Client Outcomes • Committed Savings of $25M (5 years) • Speed to Value: Savings from Day-1 • No-Black-Box: Transparent Model, driven by Sagility as a trusted partner with 10+ years incumbency Sagility Outcomes • Additional $70M of committed revenue (~3.5x) • Breaks the linearity with FTE / Transaction costs • Leverages “Payer-Provider Synergy” and precision in AI augmentation for improved margins 25M 20M $13.5M Client in House $5.5M Other Vendors(s) $6.0M Existing Sagility $20M Sagility Managed Services with a 5yr team Driver for growth in current year and has a large growth headroom for next 3-5 years: Rise in Consumerism Population Complexities Regulatory Interventions R L M h g H i • GLP-1 drugs • Genetic Testing • Backlash against claims/ procedure denial) • Elderly population increase • Uptick in Behavior Health services • Increase in Noise and misinformation (like vaccines) • UM Process (Augment AI and make more t

MLR reduction from redesigned UM process

Human Expertise Meets Algorithmic Precision to Reduce Waste in Healthcare Prior Authorization Workflow - MLR Reduction $200 – $300B opportunity Provider submits prior auth request for L2-L5-Lumbarexctomy Portal triggers real-time clinical questions Case is routed for clinical review Case fails initial criteria and is escalated for physician review - Downgraded – Approved L4-L5 Deferred L2-L4 • Availity portal request submission • Automated Fax Intake AI-Enabled Decision Making Nurse Assist streamlines clinical review process, improving efficiency and reducing nurse review time by 10-12 minutes Agentic AI Summarizes Calls Automated Notifications Abigail gets her care approval in 3 days; Reduced unnecessary care and hence medical spend by 10% Outcomes UM 360 Ecosystem Large Enterprise Mid Market • Improve timeliness and access to care- 2-3 days • Enhance provider and member experience • Reduce unnecessary utilization • Increase clinical operational efficiency by 25-35% • Lower overall co

Core features

• Automated review assistance • Clinical documentation improvement (CDI) • Resource optimization Improved Compliance with 96% AI accuracy overall and 100% accuracy with AI-assisted reviews 18 hr faster care delivery Winner in the 2026 Augmented Intelligence Awards presented by the Business Intelligence Group A proactive path to maintain independence at home. Multidisciplinary Multidomain Whole Person Care Whole-Person Risk Profiling Personalized Care Coordination at Scale Optimized Utilization Management Targeted Omni-Channel Interventions 12% Reduction in ER visits 18% Reduction in frailty-related claims 10 Direct Star Measures 8 Indirect Star Measures 22% 98% Reduction in unnecessary inpatient admissions of active participants made changes to improve resilience 87% Member Satisfaction Madan Moudgal Executive Vice President, Chief Digital Officer Ram Mohan Natarajan Senior Vice President, Business Transformation Technology & AI Investment Strategy Partnering for Enterprise Systems Whe

Adjustments

M&A Earnouts SAR (stock appreciation right) – NonCash Other Income (excl. Forex gain)^^ Forex Gain / (Loss) Reported EBITDA Finance costs Depreciation and amortisation expenses Profit before Exceptional Items Statutory impact of new labour code in India Profit Before Tax Tax Expenses Reported Profit After Tax EPS Adjusted PAT Adjusted PAT % Adjusted EPS (Rs) Q3 FY26 Q2 FY26 Q3 FY25 222.0 137.5 26.7 57.7 189.4 115.0 24.7 49.8 172.0 99.5 23.5 48.9 26.0% 26.2% 28.4% YoY% 29.1% QoQ% 17.2% 18.1% 16.0% 0.4 -0.7 1.0 -0.4 58.5 2.8 13.9 41.9 3.8 38.1 8.0 30.2 0.57 36.4 1.4 0.8 0.7 6.0 54.2 2.8 13.9 37.5 37.5 8.7 28.8 0.54 34.5 1.4 1.0 1.2 4.1 51.7 3.6 13.7 34.4 34.4 8.6 25.8 0.46 31.2 16.4% 0.69 18.2% 0.64 18.1% 0.56 13.1% 8.0% 21.7% 11.8% 10.8% 1.8% 17.0% 23.7% 16.8% 4.9% 6.7% 5.5% 23.0% 7.3% 9M FY26 9M FY25 591.8 365.6 75.5 150.7 25.5% 3.7 1.0 2.3 6.1 154.4 8.8 41.6 104.0 3.8 100.3 23.9 76.4 1.42 94.3 15.9% 1.76 YoY% 24.2% 20.5% 476.5 284.0 67.3 125.1 26.3% 4.3 12.3 3.4 3.7 115.6 33.6% 11.6 4