Investor Presentation

CIN - L51494PB2008PLC032059 MONTE CARLOZ It's the way yo make me feel MONTE CARLO FASHIONS LIMITED Regd. Office : B-XXIX-106, G.T. Road, Sherpur, Ludhiana - 141003 (Pb.) India. Tel.: 91-161-5048610, 5048620, 5048630, 5048640 Fax : 91-161-5048650 MCFL/SE/2026-27 November 3, 2026 National Stock Exchange of India Limited BSE Limited. Exchange Plaza, PlotNo.C/1, Phiroze Jeejeebhoy Tower, G-Block, Bandra-Kurla Complex, Dalal Street, Bandra (E), Mumbai-400051 Mumbai-400001 Symbol: MONTECARLO Scrip Code: 538836 SUB: Q2 & H1 FY27 INVESTOR PRESENTATION Dear Sir/Madam, Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith the Investor Presentation for the Quarter and Half Year ended September 30, 2026. Request you to kindly take the above information on record. Thanking You, Yours Faithfully For MONTE CARLO FASHIONS LIMITED ANKUR GAUBA COMPANY SECRETARY & COMPLIANCE OFFICER 1CSI Membership No: FCS 10577 Visit us at - www.montecarlocorporate.com E-mail : info@montecario.in November 2026 EARNINGS PRESENTATION (Q2 & H1 FY27) Branded Apparel and Home Textiles NSE:MONTECARLO BSE:538836 Monte Carlo Fashions Limited CONTENTS 01 04 Monte Carlo Today Seasonal Business Model 02 05 Q2 & H1 FY27 Performance Profitable Growth & Capital Discipline 03 06 Business Performance Annexure CMD'S MESSAGE BUILDING ON OUR HERITAGE, BROADENING OUR FUTURE Monte Carlo has strong roots in winterwear. Over the years, we’ve built on the trust people place in our brand, our textile expertise and our long-standing retail relationships to grow into new categories. Today, our range includes cotton apparel, home textiles, kidswear, athleisure, value fashion and footwear. Winterwear remains an important part of our identity and a key contributor to annual performance. However, it no longer defines the full breadth of Monte Carlo. Today, we serve consumers across seasons, age groups, product categories and price points through an expanding portfolio and distribution network. This transition has widened our addressable market and created multiple avenues for long-term growth. During Q2 and H1 FY27, performance must be viewed in the context of the later festive season, which shifted a meaningful part of consumer demand and winter sell-through towards the third quarter. At the same time, we continued to deepen our presence across established categories, expand our retail reach and develop newer businesses with a measured approach. Our priority remains clear: to convert the breadth of our portfolio into sustained, profitable growth. This means strengthening the core Monte Carlo brand, improving store and inventory productivity, scaling newer categories responsibly and deploying capital with discipline. As we move into the seasonally important second half of the year, we remain focused on execution, sell-through and cash conversion. The following pages provide a detailed overview of our performance during Q2 and H1 FY27 and the progress across our key business priorities. Jawahar Lal Oswal Chairman and Managing Director MONTE CARLO TODAY MONTE CARLO TODAY Winterwear built the brand. The same brand, retail relationships and textile capabilities now support a wider apparel and home portfolio. 1984 ~55% Brand heritage Cotton share A premium identity rooted in Cotton has been the largest reported knitwear and winterwear. product category since FY 22. 5 506 Brands and collections EBOs Spanning core apparel, women, A scaled retail network, with kids, value, athleisure and home. further expansion opportunity across regions. Earnings Presentation (Q2 & H1 FY27) 4 MONTE CARLO TODAY -HERITAGE THE MONTE CARLO IDENTITY Winterwear built Monte Carlo’s premium identity, rooted in Ludhiana’s textile industry 1984 The Monte Carlo brand begins Oswal Woollen Mills brought its textile expertise to branded knitwear. That woollen Premium positioning Textile expertise Retail relationships beyond winterwear behind the product behind expansion heritage remains central The same Monte Carlo The Oswal Woollen Mills and Collections reach dealers to Monte Carlo’s brand now supports cotton Nahar Group heritage through an agent-led order identity. apparel and home textiles, connects the brand to textile and prebooking process. retaining its premium manufacturing. In-house The same retail and positioning. Monte Carlo design and production franchise relationships now Brand origin: Current company Home extends the name capabilities work alongside give the wider apparel and incorporated: 1984 into household purchases. external vendors to support home portfolio access to 2008 the wider range. customers. Earnings Presentation (Q2 & H1 FY27) 5 MONTE CARLO TODAY -MILESTONES MILESTONES IN MONTE CARLO’S DEVELOPMENT Brand building, wider customer offers and the formation of the listed company BRAND AND RETAIL FOUNDATIONS 1984 2002 2005 2008 Oswal Woollenmills Portfolio expands into First exclusive Monte Monte Carlo Fashions Carlo store opens Ltd incorporated launches the brand summer wear 2012 2011 Home Textiles and Demerger – Business Kids category transforms from Oswal introduced Woollen Mills Listed on NSE Cloak & Decker Athleisure brand and BSE introduced Rock.it launched 2014 2016 2017 Earnings Presentation (Q2 & H1 FY27) 6 MONTE CARLO TODAY MONTE CARLO’S PORTFOLIO PRODUCT-SALES SEGMENTS Woollen Cotton Home textiles Kids Footwear Sweaters, pullovers Shirts, T-shirts, thermals, Bedsheets, towels, Clothing for children Shoes and cardigans trousers and jackets track- blankets and quilts suits 15% of portfolio 63% of portfolio 15% of portfolio 5% of portfolio 2% of portfolio Winter exposure extends beyond woollens. Cotton includes jackets, while home textiles include blankets and quilts. % of portfolio as on H1 FY27 Earnings Presentation (Q2 & H1 FY27) 7 MONTE CARLO TODAY MONTE CARLO’S PORTFOLIO BRANDS Monte Carlo Rock.it Men & women The athleisure and collections & kids casual clothing Monte Carlo Home Cloak & Decker Luxuria A home textiles line A value-clothing A premium-tier (including blankets and quilts) collection Earnings Presentation (Q2 & H1 FY27) 8 MONTE CARLO TODAY -PRODUCT MIX PRODUCT MIX OVER TIME Cotton has contributed about 55% of reported product sales since FY22. The range beyond woollens is well established, rather than a recent change. What the mix shows FY26 28% 55% 10% 6% 1% Cotton remains the largest category. FY24 28% 55% 10% 7% FY22 24% 55% 14% 7% Seasonal demand These categories do not FY20 22% 59% 12% 7% measure summer and winter demand. Cotton and Woollen Cotton Home textiles Kids Footwear home textiles also include winter products. The next stage is to grow within the existing range and reach more customers. Earnings Presentation (Q2 & H1 FY27) 9 Q2 & H1 FY27 PERFORMANCE Q2 FY27 PERFORMANCE Revenue, Q2 FY27 Operating EBITDA, Q2 FY27 ₹2,624 ₹284 Mn Mn YoY 5.5% YoY (31.7%) Q2 Revenue, ₹ Mn Q2 EBITDA, ₹415 Mn 2,624 415 2,487 1,490 16.70% 10.80% -8.68% PAT, Q2 FY27 -129 Mn Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 Earnings Presentation (Q2 & H1 FY27) 10 Q2 & H1 FY27 PERFORMANCE H1 FY27 PERFORMANCE The first half includes stock preparation and retailer dispatches ahead of winter. Sales growth, returns and operating margin need to be read together. Revenue, H1 FY27 Operating EBITDA, H1 FY27 NET LOSS, H1 FY27 ₹4,114 ₹154 ₹223 Mn Mn Mn YoY 6.3% YoY (56.8%) Performance commentary H1 revenue, ₹ Mn H1 EBITDA, ₹ Mn Revenue: Grew 6.3% YoY to ₹4,114 Mn in H1 FY27 4,114 356.6 Operating EBITDA: Declined 56.8% YoY to ₹154 Mn despite revenue growth Cost pressures: Higher material and employee 154.2 3,872 costs weighed on operating profitability Bottom line: Lower other income added to earnings pressure, with a net loss of ₹223 Mn H1 FY26 H1 FY27 H1 FY26 H1 FY27 Earnings Presentation (Q2 & H1 FY27) 11 Q2 & H1 FY27 PERFORMANCE MANAGEMENT UPDATES Progress against management’s Q1FY27 commentary and stated priorities. How much of the earlier re [Showing first 8,000 characters — download PDF for full document]