SAGILITYNSE29 October 2025

SAGILITY LIMITED has informed the Exchange about Investor Presentation

SAGILITY LIMITED

Date: October 29, 2025

To, The Manager Listing Department National Stock Exchange of India Limited (NSE) Exchange Plaza, 5th Floor Plot No. C/1, G-Block Bandra-Kurla Complex Bandra (E), Mumbai - 400 051 Symbol: SAGILITY

To, The Manager Listing Department BSE Limited (BSE) Phiroze Jeejeebhoy Towers Dalal Street Mumbai - 400 001 Scrip Code:544282

Dear Sir/Ma’am,

Subject: Submission of Investor Presentation to be made to investors on October 29, 2025, pursuant to Regulation 30 read with Schedule III of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

In continuation of our letter dated October 17, 2025, please find enclosed the presentation to be made to investors on the financial results of Sagility Limited for the quarter and half-year ended September 30, 2025, during the meeting scheduled today, i.e., Wednesday, October 29, 2025, at 7:30 p.m. (IST).

The details are also being made available on the Company’s website https://sagilityhealth.com/

This is for your kind information and record.

Thanking You,

For Sagility Limited (formerly Sagility India Limited, Sagility India Private Limited)

Satishkumar Sakharayapattana Seetharamaiah    Company Secretary & Compliance Officer    M. No: A16008

Encl: a/a

Sagility Limited (Formerly Sagility India Limited, earlier Sagility India Private Limited) Registered Office - No. 23 & 24, AMR Tech Park, Building 2A, First Floor Hongasandara Village, Off Hosur Road, Bommanahalli, Bengaluru – 560068, Karnataka, India Corporate Identification Number: L72900KA2021PLC150054 Tel. No.: 080-71251500, E-mail: investorservices@sagility.com, Website: www.sagilityhealth.com October 29, 2025

Investor Deck – Q2 FY26

Safe Harbour

Certain statements in this release concerning Sagility’ future growth prospects may be seen as forward- looking statements, which involve a number of risks and uncertainties that could cause the actuals to differ materially from such statements. Sagility does not undertake to update any such statement that may have been made from time to time by or on behalf of the company..

Performance Highlights

Q2 FY26 summary

H1 FY26 summary

₹ 16,585 million

₹ 4,352 million

₹ 3,010 million

Y-o-Y growth 25.2% 20..0% at Constant Currency

Organic Y-o-Y growth 16.0% 11.1 % at Constant Currency

Margin % 26.2%

Margin % 18.1%

Y-o-Y growth 25.6%

Y-o-Y growth 84.0%

► 16.0% Y-o-Y organic growth in Q2 FY26 driven by expansion from existing clients, while new wins are expected to further strengthen momentum in H2

► $34 M (potential steady state ACV) of new business & expansion

won in Q2 FY26

► Expansion and new SOWs from 24 existing clients in Q2 FY26

► 5 new clients onboarded in Q2 (total 9 in H1 FY26)

► 2 new SOWs from cross-sell to Broadpath clients in Q2 (3 in H1)

► Strong client engagement continues, with deal constructs evolving beyond traditional service delivery models. Sharper emphasis on transformation, consulting-led value creation, and measurable cost take-out initiatives.

Interim dividend of ₹0.05 per share

₹ 31,974 million

₹ 8,039 million

₹ 5,007 million

Y-o-Y growth 25.5% 21..4% at Constant Currency

Organic Y-o-Y growth 16.9% 13.2 % at Constant Currency

Margin % 25.1%

Margin % 15.7%

Y-o-Y growth 26.0%

Y-o-Y growth 62.4%

► Great Place to Work-Certified in India in Sept 2025

► Winner of the Asia CEO Awards 2025 – “Service Excellence Company of the Year” for

Sagility Philippines

Headcount 44,185

Clinicians & Technology heads 3400+

KPIs

Revenue from Operation (in INR Million)

16,585

15,389

13,250

25.2%

31,974

25,484

25.5%

Q2 FY26

Q1 FY26

Q2 FY25

YoY%

H1 FY26 H1 FY25

YoY%

Revenue by Vertical Split

By Payer %

By Provider %

88.5%

88.4%

89.2%

88.4%

89.2%

11.5%

11.6%

10.8%

11.6%

10.8%

Growth in revenue from operation (%)

25.2%

25.8%

21.1%

25.5%

15.3%

Adjusted EBITDA (in INR Million)

4,352

3,687

3,465

25.6%

8,039

6,381

26.0%

Adjusted EBITDA %

26.2%

24.0%

26.1%

25.1%

25.0%

Adjusted PAT (in INR Million)

3,010

1,997

1,636

84.0%

5,007

3,083

62.4%

Adjusted PAT %

18.1%

13.0%

12.3%

15.7%

12.1%

Total Number of Employees

44,185

39,917

38,830

15.1%

44,185

38,830

15.1%

Voluntary attrition rate* (%)

26.3%

27.6%

25.8%

26.3%

26.7%

Note: Adjusted EBITDA represents EBITDA adjusted for earnouts payable under acquisition agreements (DCI, BirchAI & BroadPath), share-based payment awards and exclude other income (including forex gain/loss). Voluntary attrition (considering employees who were employees for more than 90 days) on an annualized basis

Annual KPIs

Number of Client groups*

Active

Number of new client addition (Gross)

Delivery sites

Number of delivery sites

New site addition (Gross)

Client groups contribution to revenues

Top 3 Client %

Top 5 Client %

Top 10 Client %

Number of Million-dollar client groups

Number of clients contributing more than US$20 million

Number of clients contributing to US$5 - US$20 million

Number of clients contributing to US$1 - US$5 million

Number of clients contributing less than US$1 million

* Client groups comprise client entities together with their affiliates.

H1 FY26

FY25

FY24

FY23

TTM Sept 25

FY25

FY24

FY23

63.1%

74.4%

87.6%

66.2%

77.9%

90.5%

68.3%

79.2%

91.4%

72.4%

80.6%

90.7%

Recent Market Updates

Market Changes

Impact on Payer/ Provider

Likely Impact on Sagility

Normalization of tariffs as a long-term policy measure

► Tariff driven increase in cost of imported medical equipment & Pharmaceuticals. Providers more exposed to Tariff risks than payers.

► No tangible impact

Marketplace Integrity and Affordability Final Rule

► Payers must upgrade eligibility, enrollment, and compliance systems to meet stricter verification and reporting rules. Premium inflows to ACA focused payers likely to reduce.

► Providers may face shifts in patient coverage,

requiring tighter eligibility checks and revenue- cycle vigilance

► Sagility is well positioned to support Payers in

increased demand for automation-led Eligibility & enrolment validation.

HIRE Act 2025

► 25% Excise tax on Outsourcing payments to

► Payers and providers are expected to

foreign entities for services to US consumers. The bill has not yet passed the Senate or the House

increasingly adopt technology-driven solutions to optimize costs.

► Margin compression of payers and providers

► Even with proposed taxes, offshoring would remain more cost-effective than onshore.

H- 1B policy

► Sagility does not rely on the H-1B program.

► Over 99% of Sagility employees in the US are

citizens or green card holders

Larger and more complex deal constructs

Transform in place

Transform and elevate Engagement

A large regional payer wanted to achieve substantial cost takeout and elevate Member & Provider engagement experience, using Sagility’s cloud- based engagement services and GenAI.

Revenue Growth through bundled technology and services

A leading national payer providing B2B services (provider Network & claims repricing) to Health Benefit companies and other Health plans was looking to grow revenues by providing new services like provider payments and engagement.

Sagility has proposed a GenAI-powered, cloud-based engagement solution to achieve 25-40% savings, across Members, Brokers and Provider interactions. The savings are from GenAI enabled transaction containment (self-service) and productivity improvement (Agent-Assist).

Sagility designed a shared-services model along with a technology partner who will provide data aggregation services and integration with Sagility’s CRM to enable operational services like Provider Payments and engagement.

Commitment on savings

AI Agents to process transactions at a fraction of cost of transaction processed by humans.

Per-member-per-month (PMPM) model which covers both platform and operational expenses, delivering cost savings and reducing cost volatility for clients.

For a large national player, traditional levers like offshoring and automation has matured with diminishing returns. They wanted to unlock further cost savings through next- generation levers.

Sagility has created an AI-driven transform-in-place solution, which combined inputs from operations analytics, process engineering, AI/ML & GenAI to deliver an additional 20+% savings.

Commercial construct in such models is “per-member-per-month (PMPM)” which will de-risk the payer vs traditional billing models like Transaction Rate or FTE rate.

Savings delivered over committed reduction will have “Gain-Share”

Sagility Thought Leadership What’s New & What’s Next for 2025

Case Studies & White Papers

Solution Videos

Events & Expert Talks

One Big Beautiful Bill Act

AI-enabled Virtual Agent

Nurse Assist

Case Studies

Corrected Claims RPA Saves Leading Blues Plan $1M

AI, RPA Improves Dental Appeals, Boosting Efficiency by 30%, Accuracy by 50%

Corrected Claims RPA Saves Leading Blues Plan $1M

AI, RPA Improves Dental Appeals, Boosting Efficiency by 30%, Accuracy by 50%

Claims Automation Saves $1.5M for Leading Payer

Agile Claims Migration to Facets Platform Saves $11M

Claims Automation Saves $1.5M for Leading Payer

Agile Claims Migration to Facets Platform Saves $11M

AHIP Webinar – September

Highest registration AHIP has had in 2025

AHIP Webinar – October

Featuring insights and deployed examples of Sagi360

Availity + Sagility

Co-marketed solution to be featured

Financial Highlights

Q2 FY26

H1 FY26

₹ 16,585 million

₹ 4,352 million

₹ 3,010 million

₹ 2,374 million

₹ 31,974 million

₹ 8,039 million

₹ 5,007 million

₹ 5,585 million

Y-o-Y growth 25.2% 20.0 % at Constant Currency

Organic Y-o-Y growth 16.0% 11.1 % at Constant Currency

Margin % 26.2%

Margin % 18.1%

Conversion % 50.2%

Y-o-Y growth % 25.6%

Y-o-Y growth % 84.0%

DSO 78 days

Y-o-Y growth 25.5% 21.4 % at Constant Currency

Organic Y-o-Y growth 16.9% 13.2 % at Constant Currency

Margin % 25.1%

Margin % 15.7%

Conversion % 67.3%

Y-o-Y growth % 26.0%

Y-o-Y growth % 62.4%

DSO 78 days

25%+ growth on Revenue & Adjusted EBITDA. DSO of 78 days includes unbilled Revenues

Quarterly Seasonality

Headcount (‘000)

Revenue ($M)

18,000

o t 3 2 e n u J

4 2 p e S

16,000

14,000

12,000

10,000

8,000

6,000

4,000

2,000

Headcount (‘000) Revenue ($M)

22,000

o t 4 2 e n u J

5 2 p e S

20,000

18,000

16,000

14,000

12,000

10,000

8,000

6,000

4,000

36.5

$131.9

₹10,941

22.6%

36.6

$150.8

₹12,602

23.0%

35.0

$154.4

₹12,832

35.9

$146.6

₹12,233

24.5%

23.8%

38.4

$157.9

₹13,250

26.1%

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Revenue INR M

Adjusted EBITDA %

38.4

$157.9

13,250

26.1%

39.6

$171.9

14,531

28.4%

39.4

$181.8

15,685

26.6%

BroadPath

39.9

$180.4

15,389

24.0%

44.2

$189.4

16,585

26.2%

Q2 FY25

Q3 FY25

Q4 FY25

Q1 FY26

Q2 FY26

Revenue INR M

Adjusted EBITDA %

50.0% 45.0% 40.0% 35.0% 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0%

60.0%

50.0%

40.0%

30.0%

20.0%

10.0%

0.0%

Our Revenues exhibit seasonality. Growth in Q3 is driven by open-enrollment ramps and member acquisition (BroadPath)

Long Term Financial performance snapshot

Revenue (INR Million)

FY25 YoY% TTM Sep YoY%

17.2%

22.1%

Adjusted EBITDA * (INR Million)

FY25 YoY% TTM Sep YoY%

28.4%

31.5%

Adjusted PAT (INR Million)

FY25 YoY% TTM Sep YoY%

37.5%

59.2%

₹47,536

₹55,699

₹50,917

₹62,190

₹11,436

₹14,685

₹12,425

₹16,343

₹8,107

₹5,896

₹6,301

₹10,031

FY24

FY25

TTM Sep'24

TTM Sep 25

FY24

FY25

TTM Sep'24

TTM Sep 25

FY24

FY25

TTM Sep'24

TTM Sep 25

Consistent Revenue Growth. Expansion in EBITDA margins & reduction in interest and amortization expense driving higher PAT growth

Revenue ($M)

FY25 YoY% TTM Sep YoY%

14.9%

18.7%

Adjusted EBITDA* ($M)

FY25 YoY% TTM Sep YoY%

25.9%

27.9%

Adjusted PAT ($M)

FY25 YoY% TTM Sep YoY%

34.8%

54.0%

$572.9

$658.3

$609.8

$723.6

$137.8

$173.6

$148.8

$190.3

$95.8

$71.1

$75.9

$116.9

FY24

FY25

TTM Sep'24

TTM Sep 25

FY24

FY25

TTM Sep'24

TTM Sep 25

FY24

FY25

TTM Sep'24

TTM Sep 25

*Adjusted EBITDA represents EBITDA adjusted for earnouts payable under the acquisition agreements (DCI, BirchAI & BroadPath), share-based payment awards and exclude other income (including forex gain/loss).

Other Financial Indicators

Adjusted EPS (in INR)

Adjusted ROCE %

1.38

1.76

47.0%

2.15

54.9%

54.8%

FY24

FY25

TTM Sep 25

FY24

FY25

TTM Sep 25

Cash Conversion (%)

87.2%

70.8%

89.7%

80.5%

67.3%

57.6%

₹21,678

1.9x

₹25,000

₹20,000

₹15,000

₹10,000

₹5,000

₹0

FY24

FY25

YTD Sep 25

FY24

Net Debt

₹10,433

0.71x

FY25

2.50

2.00

1.50

1.00

0.50

₹6,199

0.38x

TTM Sep 25

OCF %

FCF %

Net Debt (in INR Million)

Net Debt to Adjusted EBITDA

Cash conversion in H1 FY26 @ 57.6% driven by higher Non-cash (unrealized) forex Gains & advance tax payments in Q2

Adjusted EPS is Adjusted PAT divided by weighted average number of equity shares Adjusted ROCE is Adjusted PAT plus Interest cost divided by capital employed (Assets excluding goodwill and intangibles assets less current liabilities) Net Debt is Borrowing plus lease liabilities less Cash and Cash equivalent including investment in Mutual Fund and Deposits . Borrowing doesn’t include accrued interest

Q2 FY26 Consolidated Profit and Loss

Amt in INR M

Particulars

Revenue from Operation

Employee benefits expense*

Other expenses^

Adjusted EBITDA**

Adjusted EBITDA %

Adjustments:

M&A Earnouts

SAR (stock appreciation right) – Non Cash

Other Income^^

Forex Gain / (Loss)

Reported EBITDA

Finance costs

Depreciation and amortisation

Profit Before Tax

Tax Expenses

Reported Profit After Tax

EPS

Adjusted PAT

Adjusted PAT %

Adjusted EPS (Rs)

Q2 FY26

Q1 FY26

Q2 FY25

YoY%

QoQ%

H1 26

H1 25

YoY%

16,585

10,070

2,163

4,352

26.2%

127

516

4,733

250

1,215

3,268

760

2,508

0.54

3,010

18.1%

0.64

15,389

13,250

25.2%

7.8%

9,646

2,056

3,687

24.0%

155

3,560

274

1,182

2,104

618

1,486

0.32

1,997

13.0%

0.43

7,912

1,874

3,465

26.1%

120

153

-241

3,165

297

1,264

1,604

431

1,173

0.25

1,636

12.3%

0.35

25.6%

18.0%

49.6%

33.0%

103.7%

55.3%

113.8%

84.0%

68.8%

50.7%

84.0%

50.7%

31,974

19,715

4,220

8,039

25.1%

283

145

115

566

8,293

524

2,397

5,372

1,378

3,994

0.85

5,007

15.7%

1.07

25,484

15,439

3,664

6,381

25.0%

244

945

189

-32

5,349

671

2,363

2,314

918

1,396

0.31

3,083

12.1%

0.68

25.5%

26.0%

55.0%

132.1%

186.0%

178.3%

62.4%

58.0%

*Employee benefits expense excludes M&A earnout and SAR (shown separately under adjustments), ^ Other expenses exclude forex loss. ^^ Other income excludes forex gain. Forex Gain and Forex Loss clubbed together and shown separately. ** Adjusted EBITDA represents EBITDA adjusted for earnouts payable under the acquisition agreements (DCI, BirchAI & BroadPath), share-based payment awards and exclude other income (including forex gain/loss).

Adjustments on EBITDA and PAT

Adj EBITDA Bridge: Q2 FY26

INR Million

₹4,733

₹127

₹73

Adj EBITDA Bridge: H1 FY26

INR Million

-₹582

₹4,352

₹8,293

₹283

₹145

-₹681

₹8,039

Reported Reported EBITDA EBITDA

Adj A Adj A

Adj B Adj B

Other income/ Other Income/Fx gain FX gain

Adjusted EBITDA Adjusted EBITDA

Reported Reported EBITDA EBITDA

Adj A

Adj B Adj B

Other income/ Other Income/Fx gain FX gain

Adjusted EBITDA Adjusted EBITDA

Adj PAT Bridge: Q2 FY26

INR Million

₹2,508

₹93

₹73

₹336

₹3,010

Adj PAT Bridge: H1 FY26

INR Million

₹3,994

₹206

₹145

₹662

₹5,007

Reported PAT

Adj A

Adj B

Adj C

Adjusted PAT

Reported PAT

Adj A

Adj B

Adj C

Adjusted PAT

Adj A - Earnouts under acquisition agreements and for PAT it is adjusted for tax Adj B - Share based payment awards (non-cash expenses for the company and not tax deductible) Adj C - Amortization of intangible assets that got created due to carveout of healthcare business from HGS

Go Forward Positions

Particulars

Closing Debt position

Debt Repayment

Interest Payment

Share based Payment awards

Earnouts Cost - DCI / Birch/ BroadPath

Intangibles Amortisation (A)

Intangibles Amortisation (B)

FY25

FY26

FY27

FY28

FY29

FY30

Amt in INR M

8,020

2,490

751

1,134

571

1,400

188

5,670

2,350

535

255

503

1,443

387

5,670

285

151

1,456

380

1,456

366

1,456

291

1,456

247

• •

Intangibles Amortisation (A) - Amortization of intangible assets that got created due to carveout of healthcare business from HGS Intangibles Amortisation (B) - Amortisation for intangible assets acquired in relation to acquisitions (DCI, Birch and BroadPath) – Ends by FY33

Debt to be fully repaid by FY27.

Balance Sheet - 30th September 25

Amt in INR M

Particulars

Property, plant and equipment

Capital-work-in-progress

Right-of-use assets

Goodwill

Other intangible assets

Trade receivables and Unbilled

Cash and cash equivalents

Deferred tax assets (net)

Other Assets

Total Assets

Equity

Borrowings

Lease liabilities

Trade payables

Deferred tax liabilities (net)

Other Liabilities

Total Liabilities

Sep 25

Mar 25

3,946

4,987

61,666

20,161

14,224

5,992

1,381

2,913

115,273

88,945

6,904

5,415

2,143

3,986

7,880

3,699

5,521

60,390

20,362

12,668

3,438

1,337

3,091

110,507

83,361

8,170

5,850

2,136

4,279

6,712

115,273

110,507

Cash Flow – H1 FY26

Particulars

Profit before tax for the period/ year

Adjustment for Non-Operating and Non-Cash items

Adjustment for working capital

Income taxes paid (net of refunds)

Net cash flows generated from operating activities (A) - OCF

Addition to Fixed Assets

Free Cash flow (FCF)

Cash paid for M&A

Pending Purchase consideration paid for healthcare business carveout

Investment in Mutual fund and Fixed Deposit

Others

Net cash flows (used in) investing activities (B)

Capital infused by promoter

Share Issue expense (paid)/ reimbursed

Repayment of Promoter borrowings (include Interest)

Repayment of lease liabilities (include Interest)

Net cash flows (used in) financing activities (C)

Net increase/ (decrease) in cash and cash equivalents (A+B+C)

Cash and cash equivalents at the beginning of the year/period

Effect of movement in exchange rates on cash and cash equivalents

Cash and cash equivalents at the end of the year/ period

Net cash flows generated from operating activities % (OCF on Reported EBITDA)

Free Cash flow % (FCF on Reported EBITDA)

Amt in INR M

H1 FY26

FY25

5,372

2,362

(309)

(1,840)

5,585

(810)

4,776

(3,021)

107

(3,724)

(1,559)

(911)

(2,471)

(609)

3,438

2,915

67.3%

57.6%

7,602

6,982

(710)

(1,734)

12,141

(1,244)

10,896

(4,825)

(3,756)

184

(9,642)

3,708

(4,567)

(1,774)

(2,561)

(62)

3,441

3,438

89.7%

80.5%

Thank You

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SAGILITY LIMITED has informed the Exchange about Investor Presentation

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