Investor Presentation

Ref./No./FRACTAL/SE/2026-27/070 Date: November 4, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Plot No. C/1, G Block, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Fort, Bandra (East), Mumbai 400051 Mumbai 400 001 Maharashtra, India Maharashtra, India Scrip Symbol: FRACTAL Scrip Code: 544700 Sub: Investor Presentation on the Unaudited Financial Results for the quarter and six months ended September 30, 2026 Dear Ma’am / Sir, Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Investor Presentation on the Unaudited Financial Results (Consolidated and Standalone) for the quarter and six months ended September 30, 2026, to be made at the conference call scheduled on Wednesday, November 04, 2026, from 8:00 a.m. IST to 9:00 a.m. IST. This disclosure and the Investor Presentation will also be hosted on the Company’s website at: https://fractal.ai/investor-relations Kindly take the same on records and arrange to bring this to the notice of all concerned. Thanking you. Yours sincerely, For Fractal Analytics Limited Somya Agarwal Company Secretary and Compliance Officer Membership No: A17336 Encl: a/a Fractal Analytics Limited (formerly known as Fractal Analytics Private Limited) CIN: L72400MH2000PLC125369 Registered address: Level 7, Commerz II, International Business Park, Oberoi Garden City, Off W. E. Highway Goregaon (E), Mumbai - 400063, Maharashtra, India. W: www.fractal.ai | P: +91 22 6850 5800 | E: investorrelations@fractal.ai Performance Update Q2 FY27 Nov 3, 2026 Safe Harbor Statement Certain statements in this presentation concerning our future growth prospects are forward-looking statements. These statements are subject to substantial known and unknown risks, uncertainties and other factors, which may cause actual results or outcomes to differ materially from those implied by the forward-looking statements. Important factors that may cause actual results or outcomes to differ from those implied by the forward-looking statements include, but are not limited to, risks and uncertainties relating to the execution of our business strategy, our revenues highly dependent on clients located in the United States, our ability to attract and retain highly skilled professionals, increase in wages, investments to reskill our employees, economic uncertainties and geopolitical situations, technological disruption and innovations, complex and evolving regulatory landscape, including immigration regulation changes, legal restrictions on raising capital or acquiring companies outside India, and unauthorized use of our intellectual property and general economic conditions affecting our industry The Company may, from time to time, make additional written and oral forward-looking statements, including statements contained in the Company's filings with the Stock Exchanges and our reports to shareholders. All forward- looking statements included in this presentation are based on information and estimates available to us on the date hereof, and we do not undertake any obligation to update these forward-looking statements unless required to do so by law. We are We are an enterprise AI company with a vision to power every human decision in the enterprise. We build AI models, platforms and products, and engineer them into the critical decisions of Fortune500® organizations. Fractal at a glance (TTM) 36,098 46% 10% 58 6% 6,173 80 +19% YoY +8% YoY Revenue Gross Net Income Clients with $1m+ AI R&D spend Total Patents granted (INR m) Margin Margin annual revenue (% of revenue) 1 Employees2 & applications2 1For Q2’27 | 2As of September 30, 2026 | All numbers are shown for TTM September-26 unless indicated otherwise Enterprise AI lab powering decisions and agentic actions DOMAIN CAPABILITIES AI PRODUCTS AGENTIC AI Banking, Financial cogentiq Services and Insurance Retail Platform & Products SOLUTION TOWERS Consumer Packaged Goods AI Decisions & Workflows GENERATIVE AI Healthcare & Life Sciences AI Context & CLIENT PRIORITIES Knowledge layer Drive Drive business sustainability growth CLASSICAL AI Technology, Drive day-to-day Drive operational Work redesign Media & Telecom tactical decisions effectiveness Drive product innovation Q2 FY27 Financial Revenue ▲20% Performance Net Income ▲139% Q2’27 Fractal Group: First-ever $100m+ revenue quarter Growth Profitability Other highlights INR 9,565m▲ 44%▼ 6.3% 20% YoY, 10% CC YoY1 225 bps YoY Revenue from operations Gross Margin AI R&D investments4 115% 76 16%▲ INR 793m INR 17,277m 123 bps YoY Net Revenue Net Promoter Adjusted EBITDA Cash flow from Cash and Cash Retention (NRR)2 Score margin operations Equivalents5 INR 792m▲ INR 4.71▲ INR 7.5m▲ 139% YoY 119% YoY 2% YoY Net Income Basic EPS6 Revenue per Billable FTE3 Net Income excl. associate INR 1,024m Basic EPS excl. associate INR 6.06 1All revenue growth is organic| 2NRR is for Fractal.ai and calculated in INR | 3Revenue per Billable FTE is calculated based on trailing twelve months data 4R&D opex 4.1% | 5Includes MFs and FDs | 6Diluted EPS is INR 4.48 with 132% YoY; Diluted EPS excluding associates is INR 5.76 Q2’27 Fractal Group: We delivered robust growth across most industries and geographies Revenue by industry (Q2’27) – Fractal Group Revenue by geography (Q2’27) – Fractal Group Others APAC & 8.7% Others CPGR ▲11% 11.2% BFSI Americas ▲22% 13.6% CPGR HLS ▲79% 34.7% Europe Europe ▲20% TMT ▼ 18% 21.5% APAC & TMT Americas ▲ 7% Others BFSI ▲30% 17.9% 67.3% Total ▲20% Others ▲47% 25.1% Total ▲20% CPGR (Consumer packaged goods and retail) | BFSI (Banking, financial services and insurance) | HLS (Healthcare and life sciences) | TMT (Technology, Media & Telecom) | Others comprises largely energy, travel and industrials verticals; Revenue by geography is based on client billing location Q2’27 Fractal.ai: Our existing clients continue to expand their relationships with us Net Revenue Retention (NRR) 5% 0% 21% 115% Q2’27 (INR) Existing clients New clients Churn Growth% Net Revenue Retention (NRR) in our Fractal.ai segment measures how effectively we retain and expand revenue from our existing clients over a defined period and is calculated by comparing the current period’s revenue from the clients who existed at the start of the period, with their revenue in the previous period - including the effects of upsells, cross-sells and contractions Q2’27: Clients continue to rate us highly; NPS at 76 Industry-leading Net Promoter Score (NPS) 1 for Fractal.ai Q2’27 100 73 81 74 80 80 77 78 75 73 78 77 81 77 76 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Q4'26 Q1'27 Q2'27 1 Net Promoter Score (NPS) is used in Fractal.ai segment to gauge client satisfaction and advocacy. Clients rate us on a 10-point scale on their willingness to recommend Fractal. Promoters are clients who score us at 9 or above. Detractors are clients who score us 6 or below. NPS = Promoters% - Detractors% . NPS is presented as a score (Scores above 50 are considered great for consumer brands and above 40 for B2B brands) Fractal.ai: We have scaled client relationships with significant headroom for growth Clients by TTM Revenue Contribution TTM Sep-25 TTM Sep-26 >$1m 52 58 of which, 17 20 >$5m of which, >$10m of which, >$20m Fractal Group: Adjusted EBITDA expanded by 123 bps driven by operating leverage; short-term impact in GM driven by investment in AI engineering talent Q2’27 Gross Margin (INR Mn) Q2’27 Adjusted EBITDA (INR Mn) 4,205 1,549 4,300 +14% YoY 1,600 +30% YoY 30.0% 4,100 75.0% 1,400 1,195 25.0% 3,900 3,690 1,200 65.0% 3,700 20.0% 1,000 +123 bps ▲ 3,500 55.0% 800 15.0% 3,300 -225 bps ▼ 16.2% 15.0% 45.0% 600 3,100 10.0% 46.2% 44.0% 400 2,900 35.0% 5.0% 2,700 200 2,500 25.0% 0 0.0% Q2'26 Q2'27 Q2'26 Q2'27 Q2’27 Operating EBIT* (INR Mn) Q2’27 Net Income (INR Mn) 900 792 30.0% 1,200 1,029 30.0% +139% YoY +62% YoY 800 25.0% 1,000 25.0% 700 20.0% 800 634 20.0% 500 15.0% 600 +2 [Showing first 8,000 characters — download PDF for full document]