CRH 10-Q 2026-03-31

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549FORM 10-Q

☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2026

☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to Commission File Number: 001-32846

CRH public limited company

(Exact name of registrant as specified in its charter)

Ireland			98-0366809
(State or other jurisdiction of incorporation or organization)			(I.R.S. Employer Identification No.)

Stonemason’s Way, Rathfarnham, Dublin 16, D16 KH51, Ireland +353 1 404 1000

(Address, including zip code, and telephone number, including area code, of registrant's principal executive offices)

Securities registered pursuant to Section 12(b) of the Act:
Title of each class:			Trading Symbols:			Name of each exchange on which registered:
Ordinary Shares of €0.32 each			CRH			New York Stock Exchange
5.200% Guaranteed Notes due 2029			CRH/29			New York Stock Exchange
5.125% Guaranteed Notes due 2030			CRH/30			New York Stock Exchange
4.400% Guaranteed Notes due 2031			CRH/31			New York Stock Exchange
6.400% Notes due 2033			CRH/33A			New York Stock Exchange
5.400% Guaranteed Notes due 2034			CRH/34			New York Stock Exchange
5.500% Guaranteed Notes due 2035			CRH/35			New York Stock Exchange
5.000% Guaranteed Notes due 2036			CRH/36			New York Stock Exchange
5.875% Guaranteed Notes due 2055			CRH/55			New York Stock Exchange
5.600% Guaranteed Notes due 2056			CRH/56			New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes ☐ No

CRH FORM 10-Q

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer			☒						Accelerated filer			☐
Non-accelerated filer			☐						Smaller reporting company			☐
									Emerging growth company			☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). ☐ Yes ☒ No

As of April 20, 2026, the number of outstanding Ordinary Shares was 668,200,216 (excluding Treasury stock of 35,634,977 shares).

CRH FORM 10-Q

TABLE OF CONTENTS

						PAGE
PART I			FINANCIAL INFORMATION
Item 1.			Financial Statements			3
Item 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			24
Item 3.			Quantitative and Qualitative Disclosures About Market Risk			34
Item 4.			Controls and Procedures			35
PART II			OTHER INFORMATION
Item 1.			Legal Proceedings			36
Item 1A.			Risk Factors			36
Item 2.			Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities			36
Item 3.			Defaults Upon Senior Securities			36
Item 4.			Mine Safety Disclosures			36
Item 5.			Other Information			36
Item 6.			Exhibits			37
Signatures						38

1

CRH FORM 10-Q

CERTAIN TERMS

Except as otherwise specified or the context otherwise requires, references to 'CRH', the 'Company', 'we', 'us' or 'our' refer to CRH plc (together with its consolidated subsidiaries), and references to years indicate our fiscal year ended December 31 of the respective year.

References to the '2025 Form 10-K' are to our Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on February 18, 2026. References to this 'Quarterly Report' are to our Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2026. All references to the 'Condensed Consolidated Financial Statements' are to Part I, Item 1 of this Quarterly Report. All references to the ‘same period in 2025’ refer to the three months ended March 31, 2025, unless otherwise indicated.

References to 'Ordinary Shares', 'Common Shares' and 'Common stock' refer to our ordinary shares of €0.32 each.

Forward-Looking Statements

Reliance upon the “Safe Harbor” provisions of the United States Private Securities Litigation Reform Act of 1995, CRH is providing the following cautionary statement.

This Quarterly Report contains statements that are, or may be deemed to be, forward-looking statements with respect to the financial condition, results of operations, business, viability, and future performance of CRH and certain of the plans and objectives of CRH. These forward-looking statements may generally, but not always, be identified by the use of words such as “will”, “anticipates”, “should”, “could”, “would”, “targets”, “aims”, “may”, “continues”, “expects”, “is expected to”, “estimates”, “believes”, “intends” or similar expressions. These forward-looking statements include all matters that are not historical facts or matters of fact at the date of this document.

In particular, the following, among other statements, are all forward looking in nature: expectations regarding CRH’s outlook for 2026, including drivers of CRH's performance, demand outlook, trends in CRH’s markets and key end-markets, government funding initiatives and manufacturing trends (including public investment in infrastructure and reindustrialization activity), pricing trends, costs and weather patterns; plans and expectations regarding business strategy and cash returns for shareholders, including expectations regarding dividends and share buybacks; plans and expectations regarding CRH’s financial capacity, including our ability to fund acquisitions and meet working capital needs, capital expenditures, contractual obligations, dividends, share repurchases, upcoming debt maturities and other liquidity requirements; plans and expectations regarding the expansion of our operations and the timing and benefits of our acquisitions and divestitures; and statements regarding the consummation (including timing thereof) of certain divestitures, including the construction accessories operations and the lawn and garden operations.

By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend on circumstances that may or may not occur in the future and reflect our current expectations and assumptions as to such future events and circumstances that may not prove accurate. You are cautioned not to place undue reliance on any forward-looking statements. These forward-looking statements are made as of the date of this document. We expressly disclaim any obligation or undertaking to publicly update or revise these forward-looking statements other than as required by applicable law.

A number of material factors could cause actual results and developments to differ materially from those expressed or implied by these forward-looking statements, certain of which are beyond our control, and which include, but are not limited to: economic and financial conditions, including changes in interest rates, inflation, price volatility and/or labor and materials shortages; demand for infrastructure, residential and non-residential construction and our products in geographic markets in which we operate; increased competition and its impact on prices and market position; increases in energy, labor and/or other raw materials costs; adverse changes to laws and regulations, including in relation to climate change; the impact of unfavorable weather; investor and/or consumer sentiment regarding the importance of sustainable practices and products; availability of public sector funding for infrastructure programs; political uncertainty, including as a result of political and social conditions in the jurisdictions CRH operates in, or adverse political developments, including the ongoing geopolitical conflicts in Ukraine and the Middle East; failure to complete or successfully integrate acquisitions or make timely divestitures; cyber-attacks and exposure of associates, contractors, customers, suppliers and other individuals to health and safety risks, including due to product failures. Additional factors, risks and uncertainties that could cause actual outcomes and results to be materially different from those expressed by the forward-looking statements in this report including, but not limited to, the risks and uncertainties described herein and in “Risk Factors” in our 2025 Form 10-K and in our other filings with the SEC.

2

CRH FORM 10-Q

PART I - FINANCIAL INFORMATION

Condensed Consolidated Statements of Income (Unaudited)

(in $ millions, except share and per share data)

						Three months ended
						March 31
									2026			2025
Product revenues									6,234			5,612
Service revenues									1,136			1,144
Total revenues									7,370			6,756
Cost of product revenues									(4,251)			(3,826)
Cost of service revenues									(1,074)			(1,093)
Total cost of revenues									(5,325)			(4,919)
Gross profit									2,045			1,837
Selling, general and administrative expenses									(2,057)			(1,833)
Gain on disposal of long-lived assets									22			14
Loss on impairments									(48)			–
Operating (loss) income									(38)			18
Interest income									21			37
Interest expense									(203)			(181)
Other nonoperating expense, net									(4)			(20)
Loss from operations before income tax benefit and loss from equity method investments									(224)			(146)
Income tax benefit									55			58
Loss from equity method investments									(11)			(10)
Net loss									(180)			(98)
Net loss attributable to noncontrolling interests									4			4
Net loss attributable to CRH									(176)			(94)
Loss per share attributable to CRH
Basic									($0.27)			($0.15)
Diluted									($0.27)			($0.15)
Weighted average common shares outstanding
Basic									668.5			676.7
Diluted									668.5			676.7

The accompanying notes form an integral part of the Condensed Consolidated Financial Statements.

3

CRH FORM 10-Q

Condensed Consolidated Statements of Comprehensive Income (Unaudited)

(in $ millions)

						Three months ended
						March 31
									2026			2025
Net loss									(180)			(98)
Other comprehensive (loss) income, net of tax:
Currency translation adjustment									(89)			238
Net change in fair value of effective portion of cash flow hedges, net of tax of $(7) million and $2 million for the three months ended March 31, 2026, and March 31, 2025, respectively									6			(23)
Actuarial losses and prior service credits for pension and other postretirement plans, net of tax of $nil million and $1 million for the three months ended March 31, 2026, and March 31, 2025, respectively									(1)			(7)
Other comprehensive (loss) income									(84)			208
Comprehensive (loss) income									(264)			110
Comprehensive (income) attributable to noncontrolling interests									(8)			(5)
Comprehensive (loss) income attributable to CRH									(272)			105

The accompanying notes form an integral part of the Condensed Consolidated Financial Statements.

4

CRH FORM 10-Q

Condensed Consolidated Balance Sheets (Unaudited)

(in $ millions, except share data)

			March 31			December 31			March 31
			2026			2025			2025
Assets
Current assets:
Cash and cash equivalents			3,240			4,096			3,352
Restricted cash			40			51			–
Accounts receivable, net			5,213			5,178			5,141
Inventories			5,058			5,251			4,960
Assets held for sale			1,811			–			–
Other current assets			877			678			789
Total current assets			16,239			15,254			14,242
Property, plant and equipment, net			24,657			24,937			22,179
Equity method investments			487			502			732
Goodwill			12,592			13,099			11,475
Intangible assets, net			1,956			2,048			1,208
Operating lease right-of-use assets, net			1,274			1,471			1,272
Other noncurrent assets			962			1,018			813
Total assets			58,167			58,329			51,921
Liabilities, redeemable noncontrolling interests and shareholders’ equity
Current liabilities:

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Introduction

Our Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A) is intended to convey management’s perspective regarding operational and financial performance for the three months ended March 31, 2026. This MD&A should be read in conjunction with the unaudited Condensed Consolidated Financial Statements and related notes appearing in Part I, Item 1. "Financial Statements” of this Quarterly Report.

The following discussion contains trend information and forward-looking statements. Actual results could differ materially from those discussed in these forward-looking statements, as well as from our historical performance, due to various factors, including, but not limited to, those discussed in this Quarterly Report, particularly "Forward-Looking Statements," and Item 1A. "Risk Factors" in our 2025 Form 10-K and in our other filings with the SEC. Our operating results depend upon economic cycles, seasonal and other weather‐related conditions, and trends in government funding initiatives, among other factors. Accordingly, financial results for any financial period presented, or period-to-period comparisons of reported results, may not be indicative of future operating results.

Overview

CRH is the leading provider of building materials critical to modernizing infrastructure. Our unmatched scale, connected portfolio, and deep local relationships make us the partner of choice for transportation, water and reindustrialization projects, shaping communities for a better tomorrow.

CRH’s connected portfolio supplies building materials across the construction value chain, better serving our customers’ needs and driving repeat business while making construction simpler, safer and more sustainable. This customer-centric approach combines our unique entrepreneurial culture, leading performance and local market knowledge with our value-added building products and services to be a valuable partner for customers across our end-markets.

The Company has a proven track record of growing and creating value through acquisition with over 1,250 deals completed in our history. We acquire businesses at attractive valuations and create value by connecting them with our existing operations and generating synergies. The Company takes an active approach to portfolio management and continuously reviews the competitive landscape for attractive investment and divestiture opportunities to deliver further growth and value creation for shareholders.

Operating in 28 countries across North America, Europe and Australia, CRH’s leading positions of scale serve transportation and critical infrastructure, reindustrialization projects, and commercial and residential construction activity.

Seasonality

Activity in the construction industry is dependent to a considerable extent on the seasonal impact of weather on the Company’s operating locations, with periods of higher activity in some markets during spring, summer and autumn which may reduce significantly in winter due to inclement conditions or generally as a result of extreme weather events. In addition to impacting demand for our products and services, adverse weather can negatively impact the production processes for a variety of reasons. For example, workers may not be able to work outdoors in sustained high temperatures and heavy rainfall and/or other unfavorable weather conditions. Therefore, our financial results for any particular quarter may not necessarily be indicative of our financial results for the full year or any future interim period.

Financial performance highlights

CRH delivered a strong first quarter performance compared to the first quarter of 2025, resulting in the following performance highlights for the three months ended March 31, 2026 (comparisons are versus the prior year's first quarter unless otherwise noted):

• Total revenues increased 9% to $7.4 billion;

• Net loss was ($180) million compared with ($98) million, an increased loss of ($82) million on the prior year. Adjusted EBITDA*1was $586 million, an increase of $91 million, or 18%;

• Net loss margin was (2.4%) compared with (1.5%), a decline of 90 basis points (bps). Adjusted EBITDA margin* was 8.0%, an increase of 70bps on the prior year's first quarter Adjusted EBITDA margin* of 7.3%; and

• Diluted Loss Per Share (EPS) was ($0.27) compared to ($0.15). Diluted EPS pre-impairment* was ($0.20) compared to ($0.15).

Capital allocation highlights

• Cash returned to shareholders through share buybacks was $0.3 billion, in line with the first three months of the prior year. On April 28, 2026, the latest tranche of the share buyback program was completed, bringing year-to-date repurchases to $0.4 billion;

• The first 2026 quarterly dividend of $0.39 per share was declared in February 2026, and a second quarterly dividend of $0.39 per share was announced on April 30, 2026, representing an increase of 5% on the prior year; and

• A total of five acquisitions were completed for total consideration of $0.1 billion, compared with $0.6 billion in the first three months of the prior year. A further $0.6 billion was invested in growth and maintenance capital expenditure projects, in line with the $0.6 billion invested in the comparable period in 2025.

Development Review

In the three months ended March 31, 2026, CRH completed five acquisitions for total consideration of $0.1 billion, compared with $0.6 billion in the same period in 2025. Americas Materials Solutions completed three acquisitions and International Solutions completed two acquisitions.

With respect to divestitures, in the three months ended March 31, 2026, cash proceeds from divestitures and disposals of long-lived assets were $34 million, compared with $107 million in the same period in 2025.

*Represents a non-GAAP financial measure. See the discussion within 'Non-GAAP Reconciliation and Supplementary Information' on pages 28 to 29.1

CRH FORM 10-Q

Outlook

We continue to expect favorable underlying demand across our key end-markets, underpinned by significant public investment in infrastructure and continued reindustrialization activity. Within the residential sector we anticipate resilient repair and remodel activity while the new-build segment is expected to remain subdued. Assuming normal seasonal weather patterns and absent any further major dislocations in the geopolitical or macroeconomic environment, CRH's superior strategy, connected portfolio and leading positions of scale in attractive high-growth markets, together with our strong and flexible balance sheet, are expected to underpin another year of growth and value creation in 2026.

Results of Operations

Revenues are derived from a range of products and services across three segments. The Americas Materials Solutions segment utilizes an extensive network of reserve-backed quarry locations to produce and supply a range of materials including aggregates, cementitious materials, readymixed concrete and asphalt, as well as providing paving and construction services. The Americas Building Solutions segment manufactures, supplies and delivers high-quality building products. The International Solutions segment integrates building materials, products and services for the construction and renovation of transportation infrastructure, critical utility networks, commercial and residential buildings, and outdoor living spaces.

The table below summarizes CRH’s unaudited Condensed Consolidated Statements of Income for the periods indicated.2

Condensed Consolidated Statements of Income (Unaudited)

(in $ millions, except per share data)

			Three months ended
			March 31
			2026			2025
Total revenues			7,370			6,756
Total cost of revenues			(5,325)			(4,919)
Gross profit			2,045			1,837
Selling, general and administrative expenses			(2,057)			(1,833)
Gain on disposal of long-lived assets			22			14
Loss on impairments			(48)			—
Operating (loss) income			(38)			18
Interest income			21			37
Interest expense			(203)			(181)
Other nonoperating expense, net			(4)			(20)
Loss from operations before income tax benefit and loss from equity method investments			(224)			(146)
Income tax benefit			55			58
Loss from equity method investments			(11)			(10)
Net loss			(180)			(98)
Net loss attributable to noncontrolling interests			4			4
Net loss attributable to CRH			(176)			(94)
Diluted loss per share attributable to CRH			($0.27)			($0.15)
Diluted loss per share attributable to CRH - pre-impairment*			($0.20)			($0.15)
Adjusted EBITDA*			586			495

Total revenues

Total revenues were $7.4 billion for the three months ended March 31, 2026, an increase of $0.6 billion, or 9%, from the first quarter of 2025, driven by positive underlying demand, disciplined commercial execution, and contributions from acquisitions.

For additional discussion on segment revenues, see “Segments” section on pages 26 to 27.

Gross profit

Gross profit for the three months ended March 31, 2026, was $2.0 billion, an increase of $0.2 billion, or 11% from the first quarter of 2025. The gross profit margin of 27.7% increased 50bps from 27.2% in the first quarter of the prior year. The increase in Total cost of revenues was primarily driven by a 22% higher depreciation and amortization charge, reflecting the impact of acquisitions and increased capital expenditure, as well as a 6% increase in labor costs, attributable to higher headcount from acquisitions and inflationary pressures. Energy costs also increased by 7% driven by higher activity levels, while other costs were 7% ahead of the first quarter of the prior year.

Selling, general and administrative expenses

Selling, general and administrative expenses, which are primarily comprised of haulage costs, labor costs, and other selling and administrative expenses, were $2.1 billion for the three months ended March 31, 2026, an increase of $0.2 billion, or 12%, from the comparable 2025 period. The increase was primarily driven by a 13% increase in haulage expenses resulting from acquisitions and higher activity levels, as well as an 11% increase in labor costs reflecting higher headcount from acquisitions and wage inflation.

Gain on disposal of long-lived assets

Gain on disposal of long-lived assets was $22 million for the three months ended March 31, 2026, an increase of $8 million compared with 2025.

Loss on impairments

Loss on impairments for the three months ended March 31, 2026, was $48 million, compared to $nil million in the comparable period, and was related to the International Solutions segment.

*Represents a non-GAAP financial measure. See the discussion within 'Non-GAAP Reconciliation and Supplementary Information' on pages 28 to 29.2

25

CRH FORM 10-Q

Interest income

Interest income was $21 million for the three months ended March 31, 2026, a reduction of $16 million from the comparable period in 2025, primarily due to lower interest rates and principal on deposit.

Interest expense

Interest expense was $203 million for the three months ended March 31, 2026, an increase of $22 million from the comparable period in 2025. The increase was primarily due to higher gross debt balances.

Other nonoperating expense, net

Other nonoperating expense, net, was $4 million for the three months ended March 31, 2026, compared with $20 million in the comparable period for 2025. Other nonoperating expense, net, includes pension and postretirement benefit costs (excluding service costs), gains and losses from divestitures, and other miscellaneous income and expenses. The reduction versus prior year was primarily due to the non‑recurrence of the prior year loss on divestitures.

Income tax benefit

For the three months ended March 31, 2026, the Company had an Income tax benefit of $55 million, compared to $58 million for the comparable period in 2025. The effective tax rate was 25% for the first quarter of 2026 compared with an effective tax rate of 40% for the first quarter of 2025. The decrease in the effective tax rate is primarily driven by a change in valuation allowances arising from the reclassification of the construction accessories operations to held for sale.

Loss from equity method investments

For the three months ended March 31, 2026, a loss of ($11) million was recorded in equity method investments, an increased loss of ($1) million from the comparable period in 2025.

Segments

CRH is organized through three reportable segments across two Divisions. CRH’s Americas Division comprises two segments: Americas Materials Solutions and Americas Building Solutions; and CRH’s International Division comprises the other segment.

Within CRH’s segments, revenue is disaggregated by principal activities and products. Business lines are reviewed and evaluated as follows: (1) Essential Materials, (2) Road Solutions, (3) Building & Infrastructure Solutions, and (4) Outdoor Living Solutions. The Essential Materials businesses manufacture and supply aggregates and cementitious materials for use in a range of construction and industrial applications. Road Solutions support the manufacturing, installation and maintenance of public highway infrastructure projects and commercial infrastructure. Building & Infrastructure Solutions connect and protect critical water, energy and telecommunications infrastructure and deliver complex commercial building projects. Outdoor Living Solutions integrate specialized materials, products and design features to enhance the quality of private and public spaces.

The Company’s measure of segment profit is Adjusted EBITDA, which is defined as earnings from continuing operations before interest, taxes, depreciation, depletion, amortization, Loss on impairments, gain/loss on divestitures and investments, Income/loss from equity method investments, substantial acquisition-related costs and pension expense/income excluding current service cost component.

Americas Materials Solutions

			Analysis of Change
in $ millions			Three months ended March 31, 2025			Currency			Acquisitions			Divestitures			Organic			Three months ended March 31, 2026			% change
Total revenues			2,243			+6			+269			(5)			+211			2,724			+21%
Adjusted EBITDA			59			(1)			+35			+5			+5			103			+75%
Adjusted EBITDA margin			2.6%															3.8%

Americas Materials Solutions’ Total revenues were 21% ahead of the first quarter of 2025, driven by favorable underlying demand and contributions from acquisitions.

In Essential Materials, Total revenues increased by 31%, reflecting strong underlying demand across most regions as well as contributions from acquisitions. Aggregates volumes increased by 14% year-over-year, while pricing declined by 1%, reflecting geographic and project mix-effects. Cement volumes were 10% ahead of the prior year, while pricing was 1% behind.

In Road Solutions, Total revenues were 16% ahead of the prior year, driven by a strong start to the year due to robust project activity. Asphalt volumes increased by 13%, while pricing was in line with the prior year. Readymixed concrete volumes increased by 12%, with pricing up 4% over the same period. Paving and construction revenues increased by 16%, supported by strong project execution, backlog conversion, and contributions from acquisitions.

Adjusted EBITDA for Americas Materials Solutions was 75% ahead of the prior year, driven by strong underlying demand, disciplined cost management, and contributions from acquisitions. Adjusted EBITDA margin was 120bps ahead of the first quarter of 2025.

26

CRH FORM 10-Q

Americas Building Solutions

			Analysis of Change
in $ millions			Three months ended March 31, 2025			Currency			Acquisitions			Divestitures			Organic			Three months ended March 31, 2026			% change
Total revenues			1,682			+3			+18			–			(35)			1,668			(1%)
Adjusted EBITDA			287			–			+2			–			(2)			287			—
Adjusted EBITDA margin			17.1%															17.2%

Americas Building Solutions' Total revenues were 1% behind the first quarter of 2025, due to subdued new-build residential demand and adverse weather conditions in certain markets, partly offset by contributions from acquisitions.

In Building & Infrastructure Solutions, Total revenues were 4% ahead of the first quarter of 2025, driven by strong demand in our utility infrastructure markets.

In Outdoor Living Solutions, Total revenues were 3% behind the prior year period, as subdued new-build residential demand and adverse weather impacted activity levels.

Adjusted EBITDA for Americas Building Solutions was in line with the first quarter of 2025, as strong cost control and operational efficiencies offset cost inflation and subdued new-build residential demand. Adjusted EBITDA margin was 10bps ahead of the prior year period.

International Solutions

			Analysis of Change
in $ millions			Three months ended March 31, 2025			Currency			Acquisitions			Divestitures			Organic			Three months ended March 31, 2026			% change
Total revenues			2,831			+257			+161			(176)			(95)			2,978			+5%
Adjusted EBITDA			149			+7			+19			+19			+2			196			+32%
Adjusted EBITDA margin			5.3%															6.6%

International Solutions' Total revenues were 5% ahead of the first quarter of 2025, as contributions from acquisitions, positive pricing momentum, and currency tailwinds more than offset weather-impacted volumes and the impact of divestitures.

In Essential Materials, Total revenues were 12% ahead of the comparable period in 2025. Aggregates volumes were 8% ahead of the prior year period, supported by acquisitions, while cement volumes were in line with the prior year. Aggregates pricing was in line with the prior year period, while cement pricing was 3% ahead.

In Road Solutions, Total revenues were in line with the comparable period in 2025, impacted by divestitures. Readymixed concrete volumes were 2% ahead of the prior year period, supported by acquisitions, while pricing increased by 3% year-over-year. Asphalt volumes and prices were 8% and 5% ahead of the comparable period in 2025, respectively, supported by higher activity levels in Western Europe.

Within Building & Infrastructure Solutions and Outdoor Living Solutions, Total revenues were 4% ahead of the comparable period in 2025, with currency tailwinds more than offsetting the impact of divestitures.

Adjusted EBITDA in International Solutions was 32% ahead of the first quarter of 2025, benefiting from positive pricing momentum, improved operational efficiencies and contributions from acquisitions. Adjusted EBITDA margin increased by 130bps compared to the prior year period.

27

CRH FORM 10-Q

Non-GAAP Reconciliation and Supplementary Information

CRH uses a number of non-GAAP financial measures to monitor financial performance. These measures are referred to throughout the discussion of our reported financial position and operating performance on a continuing operations basis unless otherwise defined and are measures which are regularly reviewed by CRH management. These financial measures may not be uniformly defined by all companies and accordingly may not be directly comparable with similarly titled measures and disclosures by other companies.

Certain information presented is derived from amounts calculated in accordance with U.S. GAAP but is not itself an expressly permitted GAAP measure. The non-GAAP financial measures as summarized below should not be viewed in isolation or as an alternative to the most directly comparable GAAP measure.

Adjusted EBITDA: Adjusted EBITDA is defined as earnings from continuing operations before interest, taxes, depreciation, depletion, amortization, Loss on impairments, gain/loss on divestitures and investments, Income/loss from equity method investments, substantial acquisition-related costs and pension expense/income excluding current service cost component. It is quoted by management in conjunction with other GAAP and non-GAAP financial measures to aid investors in their analysis of the performance of the Company. Adjusted EBITDA by segment is monitored by management in order to allocate resources between segments and to assess performance.

Adjusted EBITDA margin is calculated by expressing Adjusted EBITDA as a percentage of Total revenues.

Reconciliation to its most directly comparable GAAP measure is presented below:

			Three months ended
			March 31
in $ millions			2026			2025
Net loss			(180)			(98)
Loss from equity method investments			11			10
Income tax benefit			(55)			(58)
Loss on divestitures and investments (i)			6			26
Pension income excluding current service cost component (i)			(5)			(4)
Other interest, net (i)			3			(2)
Interest expense			203			181
Interest income			(21)			(37)
Depreciation, depletion, and amortization			576			477
Loss on impairments (ii)			48			–
Adjusted EBITDA			586			495
Total revenues			7,370			6,756
Net loss margin			(2.4%)			(1.5%)
Adjusted EBITDA margin			8.0%			7.3%
(i) Loss on divestitures and investments, pension income excluding current service cost component and other interest, net have been included in Other nonoperating expense, net in the Condensed Consolidated Statements of Income.
(ii) For the three months ended March 31, 2026, Loss on impairments totaled $48 million, related to the International Solutions segment.

Net Debt: Net Debt is used by management as it gives additional insight into the Company’s current debt position less available cash. Net Debt is provided to enable investors to see the economic effect of gross debt, related hedges and cash and cash equivalents in total. Net Debt is comprised of short and long-term debt, finance lease liabilities, cash and cash equivalents and current and noncurrent derivative financial instruments (net).

Reconciliation to the most directly comparable GAAP measure is presented below:

			March 31			December 31			March 31
in $ millions			2026			2025			2025
Short and long-term debt			(18,549)			(17,653)			(15,671)
Cash and cash equivalents (i)			3,293			4,096			3,352
Finance lease liabilities (i)			(592)			(534)			(336)
Derivative financial instruments (net)			20			(60)			(31)
Net Debt			(15,828)			(14,151)			(12,686)
(i) Cash and cash equivalents and Finance lease liabilities as of March 31, 2026, include $53 million and $26 million, respectively, that have been reclassified as held for sale.

28

CRH FORM 10-Q

Organic Revenue and Organic Adjusted EBITDA: CRH pursues a strategy of growth through acquisitions and investments, with total consideration spend on acquisitions and investments of $0.1 billion in the three months ended March 31, 2026, compared with $0.6 billion for the same period in 2025. Acquisitions completed in 2025 and the first quarter of 2026 contributed incremental total revenues of $0.4 billion and Adjusted EBITDA of $0.1 billion for the three months ended March 31, 2026. Cash proceeds from divestitures and disposals of long-lived assets (including deferred divestiture consideration received) amounted to $34 million for the three months ended March 31, 2026, compared with $107 million for the three months ended March 31, 2025. The Total revenues impact of divestitures was a negative $181 million and the impact at an Adjusted EBITDA level was a positive $24 million for the three months ended March 31, 2026.

The U.S. Dollar weakened against most major currencies during the three months ended March 31, 2026, from the comparable period in 2025, resulting in an overall positive currency exchange impact.

Because of the impact of acquisitions, divestitures, currency exchange translation and other non-recurring items on reported results each reporting period, CRH uses organic revenue and organic Adjusted EBITDA as additional performance indicators to assess performance of pre-existing (also referred to as underlying, like-for-like or ongoing) operations each reporting period.

Organic revenue and organic Adjusted EBITDA are arrived at by excluding the incremental revenue and Adjusted EBITDA contributions from current and prior year acquisitions and divestitures, the impact of exchange translation, and the impact of any one-off items. In Part I, Item 2. “Management’s Discussion and Analysis of Financial Condition and Results of Operations” section on pages 26 to 27, changes in organic revenue and organic Adjusted EBITDA are presented as additional measures of revenue and Adjusted EBITDA to provide a greater understanding of the performance of the Company. Organic change % is calculated by expressing the organic movement as a percentage of the prior year reporting period (adjusted for currency exchange effects). A reconciliation of the changes in organic revenue and organic Adjusted EBITDA to the changes in Total revenues and Adjusted EBITDA by segment is presented with the discussion within each segment’s performance in tables contained in the segment discussion in Part I, Item 2. “Management’s Discussion and Analysis of Financial Condition and Results of Operations” commencing on page 26.

Diluted EPS pre‑impairment: Diluted EPS pre‑impairment is a measure of the Company's profitability per share from continuing operations excluding any Loss on impairments (which is non-cash) and the related tax impact of such impairments. It is used by management to evaluate the Company's underlying profit performance and its own past performance. Diluted EPS information presented on a pre‑impairment basis is useful to investors as it provides an insight into the Company's underlying performance and profitability. Diluted EPS pre‑impairment is calculated as Net income (loss) adjusted for (i) Net (income) loss attributable to redeemable noncontrolling interests (ii) Net (income) loss attributable to noncontrolling interests (iii) adjustment of redeemable noncontrolling interests to redemption value and excluding any Loss on impairments (and the related tax impact of such impairments) divided by the diluted weighted average number of common shares outstanding for the year.

Reconciliation to its most directly comparable GAAP measure is presented below:

			Three months ended
			March 31
in $ millions, except share and per share data			2026			Per Share - diluted			2025			Per Share - diluted
Weighted average common shares outstanding – diluted			668.5						676.7
Net loss			(180)			($0.27)			(98)			($0.15)
Net loss attributable to noncontrolling interests			4			$0.01			4			$0.01
Adjustment of redeemable noncontrolling interests to redemption value			(7)			($0.01)			(7)			($0.01)
Net loss attributable to CRH for EPS			(183)			($0.27)			(101)			($0.15)
Impairment of property, plant and equipment and intangible assets			48			$0.07			—			—
Net loss attributable to CRH for EPS – pre-impairment (i)			(135)			($0.20)			(101)			($0.15)
(i) Reflective of CRH’s share of impairment of property, plant and equipment and intangible assets ($48 million and $nil million, respectively, for the three months ended March 31, 2026 and March 31, 2025).

Liquidity and Capital Resources

The Company’s primary source of incremental liquidity is cash flows from operating activities, which combined with the cash and cash equivalents balance, the uncommitted U.S. Dollar and Euro Commercial Paper Programs, and committed credit lines, is expected to be sufficient to meet the Company’s working capital needs, capital expenditure, dividends, share repurchases, upcoming debt maturities, and other liquidity requirements associated with our operations for the foreseeable future. In addition, the Company believes that it will have sufficient ability to fund additional acquisitions via cash flows from internally available cash, cash flows from operating activities and, subject to market conditions, via obtaining additional borrowings and/or issuing additional debt or equity securities.

Total short and long-term debt was $18.5 billion as of March 31, 2026, compared with $17.7 billion as of December 31, 2025, and $15.7 billion as of March 31, 2025. In the three months ended March 31, 2026, $1.2 billion of U.S. Dollar Commercial Paper was issued and $0.2 billion of Euro Commercial Paper was repaid.

Net Debt* as of March 31, 2026, was $15.8 billion, compared to $14.2 billion as of December 31, 2025, and $12.7 billion as of March 31, 2025. The increase in Net Debt* compared to December 31, 2025, is driven by the seasonal net cash outflow from operating activities, as well as acquisitions, cash returns to shareholders through continued share buybacks and the purchase of property, plant and equipment in the quarter.

CRH continued its ongoing share buyback program in the first three months of 2026 repurchasing approximately 2.9 million Ordinary Shares for total consideration of $0.3 billion, compared to 3.2 million Ordinary Shares repurchased for total consideration of $0.3 billion in the first three months of 2025.

As of March 31, 2026, CRH had cash and cash equivalents and restricted cash of $3.3 billion, compared to $4.1 billion as of December 31, 2025, and $3.4 billion as of March 31, 2025. Total lease liabilities were $1.9 billion, compared to $2.1 billion as of December 31, 2025, and $1.7 billion as of March 31, 2025.

Represents a non-GAAP financial measure. See the discussion within 'Non-GAAP Reconciliation and Supplementary Information' on pages 28 to 29.

29

CRH FORM 10-Q

As of March 31, 2026, CRH had $4.5 billion of undrawn committed facilities available until May 2030. As of March 31, 2026, the weighted average maturity of the term debt (net of cash and cash equivalents) was 8.4 years.

Other than items updated in this Quarterly Report, CRH's financial condition and the nature and composition of the Company’s material cash requirements, which include debt service and related interest payments, operating lease obligations, share repurchase commitments and other purchase obligations arising in the normal course of business, have not materially changed from those disclosed in the 2025 Form 10-K.

Cash flows

Cash flows from operating activities

			Three months ended
			March 31
in $ millions			2026			2025
Net cash used in operating activities			(616)			(659)

The seasonal impact on the Company's operations disproportionately negatively impacts the quarterly operating cash flow results when compared with the full year. Net cash used in operating activities was $0.6 billion for the three months ended March 31, 2026, compared to $0.7 billion in the same period in 2025. The decrease in net cash used in operating activities was primarily due to improved operating performance.

Cash flows from investing activities

			Three months ended
			March 31
in $ millions			2026			2025
Net cash used in investing activities			(722)			(964)

Net cash used in investing activities was $0.7 billion for the three months ended March 31, 2026, compared to $1.0 billion in the same period in 2025. During the three months ended March 31, 2026, the Company invested $0.1 billion in acquisitions, a decrease of $0.5 billion on the same period in 2025. Capital expenditure totaled $0.6 billion in the first three months of 2026, in line with the comparable prior year period. Investing outflows in the prior year were partially offset by the proceeds from divestitures and disposals of long-lived assets and other investing activities totaling $0.2 billion.

Cash flows from financing activities

			Three months ended
			March 31
in $ millions			2026			2025
Net cash provided by financing activities			572			1,141

Net cash provided by financing activities was $0.6 billion for the three months ended March 31, 2026, compared to $1.1 billion in the same period in 2025. Proceeds from debt issuances were $1.2 billion, which was primarily related to the issuance of $1.2 billion of commercial paper. This is a reduction of $1.8 billion on the same period in 2025 which included the issuance of $3.0 billion in new senior notes in January 2025. Payments on debt in the first three months of 2026 were $0.2 billion, being the repayment of $0.2 billion issued under the Company’s commercial paper programs. This compared with a repayment of $1.5 billion in the prior year comparable period, which related to the repayment of $1.5 billion issued under the Company’s commercial paper programs. Outflows related to the repurchases of common stock were $0.3 billion in the first three months of 2026, in line with the comparable prior year period.

Debt facilities

The following section summarizes certain material provisions of our debt facilities and long-term debt obligations. The following description is only a summary, does not purport to be complete and is qualified in its entirety by reference to the documents governing such indebtedness (which are filed as exhibits to our 2025 Form 10-K).

As of March 31, 2026, we expect maturities of our debt facilities and long-term debt obligations for the remainder of 2026 as follows:

2026 Debt Maturities
Second Quarter			$1.2 billion
Third Quarter			–
Fourth Quarter			$0.9 billion

30

CRH FORM 10-Q

Unsecured senior notes

The main sources of Company debt funding are public bond markets in North America and Europe. See Note 9 “Debt” in Part I, Item 1. “Financial Statements” for further details regarding our debt obligations.

Bank credit facilities

The Company partly manages its borrowing requirements by entering into committed borrowing agreements. The Company has a multi-currency RCF, dated May 2023, which is made available from a syndicate of lenders, consisting of a €3.5 billion unsecured, revolving loan facility, maturing May 2030. See Note 9 “Debt” in Part I, Item 1. “Financial Statements” of this Quarterly Report for further details regarding the RCF. As of March 31, 2026, the RCF was undrawn and currently continues to remain undrawn.

Guarantees

The Company has given letters of guarantee to secure obligations of subsidiary undertakings as follows: $17.5 billion in respect of loans and borrowings, bank advances and derivative obligations, and $0.5 billion in respect of letters of credit due within one year as of March 31, 2026.

Commercial paper programs

As of March 31, 2026, the Company had a $4.0 billion U.S. Dollar Commercial Paper Program and a €1.5 billion Euro Commercial Paper Program. Commercial paper borrowings bear interest at rates determined at the time of borrowing. As of March 31, 2026, there was $1.2 billion of outstanding notes issued under the U.S. Dollar Commercial Paper Program and $nil billion of outstanding notes issued under the Euro Commercial Paper Program. The purpose of these programs is to provide short-term liquidity.

Off-Balance sheet arrangements

CRH does not have any off-balance sheet arrangements that have, or are reasonably likely to have, a current or future effect on CRH’s financial condition, revenues or expenses, results of operations, liquidity, capital expenditures or capital resources that may be material to investors.

Credit ratings1*

Our credit ratings and outlooks as of March 31, 2026, are as follows:

			Short-Term			Long-Term			Outlook
S&P			A-2			BBB+			Stable
Moody’s			P-2			Baa1			Stable
Fitch			F1			BBB+			Stable

Contractual obligations

An analysis of the maturity profile of debt, leases capitalized, purchase obligations and deferred and contingent acquisition consideration as of March 31, 2026, is as follows:

Payments due by period			Total			Less than 1 year			2-3 years			4-5 years			More than 5 years
in $ millions
Short and long-term debt (i)			18,629			2,494			3,954			4,640			7,541
Lease liabilities (ii)			2,390			393			632			419			946
Estimated interest payments on contractually committed debt (iii)			6,559			758			1,321			996			3,484
Deferred and contingent acquisition consideration			59			44			5			8			2
Purchase obligations (iv)			1,956			1,237			370			77			272
Total (v)			29,593			4,926			6,282			6,140			12,245

(i) Of the $18.6 billion short and long-term debt, $0.7 billion is drawn on revolving facilities which may be repaid and redrawn up to the date of maturity.

(ii) Lease liabilities are presented on an undiscounted basis.

(iii) These interest payments have been estimated on the basis of the following assumptions: (a) no change in variable interest rates; (b) no change in exchange rates; (c) that all debt is repaid as if it falls due from future cash generation; and (d) that none is refinanced by future debt issuance.

(iv) Purchase obligations include contracted-for capital expenditure. These expenditures for replacement and new projects are in the ordinary course of business and will be financed from internal resources.

(v) Over the long-term, CRH believes that its available cash and cash equivalents, cash from operating activities, along with access to borrowing facilities will be sufficient to fund its long-term contractual obligations, maturing debt obligations and capital expenditures.

1A security rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating should be

evaluated independently of any other rating. Lower credit ratings generally result in higher-borrowing costs, including costs of derivative transactions and reduced access to debt capital

markets, and may adversely impact our liquidity.*

31

CRH FORM 10-Q

Supplemental Guarantor Information

Guarantor financial information

As of March 31, 2026, CRH plc (the 'Guarantor') has fully and unconditionally guaranteed: (1) $750 million of 5.200% Senior Notes due 2029 (the '5.200% Notes') and $1,250 million of 5.125% Senior Notes due 2030 (the '5.125% Notes'), each issued by CRH SMW Finance Designated Activity Company (‘SMW Finance’); (2) $300 million of 6.400% Senior Notes due 2033(i) (the '6.400% Notes') issued by CRH America, Inc. (‘CRH America’); and (3) $750 million of 5.400% Senior Notes due 2034 (the '5.400% Notes'), $1,250 million of 5.500% Senior Notes due 2035 (the '5.500% Notes') and $500 million of 5.875% Senior Notes due 2055 (the '5.875% Notes'), each issued by CRH America Finance, Inc. (‘America Finance’). Together, the 5.200% Notes, the 5.125% Notes, the 6.400% Notes, the 5.400% Notes, the 5.500% Notes and the 5.875% Notes are referred to in this Supplemental Guarantor Information as the 'Notes', and together, SMW Finance, CRH America and CRH America Finance are referred to in this Supplemental Guarantor Information as the 'Issuers'.

The Issuers are each 100% owned by CRH plc, directly or indirectly. SMW Finance is an indirect wholly-owned finance subsidiary of CRH plc incorporated under the laws of Ireland and is a financing vehicle for CRH’s group companies. CRH America is an indirect wholly-owned finance subsidiary of CRH plc incorporated under the laws of the State of Delaware and is a holding company for certain of CRH's U.S. operating companies as well as a financing vehicle for the Company. America Finance is an indirect wholly-owned finance subsidiary of CRH plc incorporated under the laws of the State of Delaware and is a financing vehicle for CRH’s U.S. operating companies.

Each series of Notes is unsecured and ranks equally with all other present and future unsecured and unsubordinated obligations of the relevant Issuer and CRH plc, subject to exceptions for obligations required by law. Each series of Notes is fully and unconditionally guaranteed by CRH plc as defined in the respective indenture governing each series of Notes. Each guarantee is a full, irrevocable, and unconditional guarantee of the principal, interest, premium, if any, and any other amounts due in respect of the relevant series of Notes given by CRH plc.

(i) Originally issued in September 2003 as $300 million 6.400% Senior Notes due 2033. CRH subsequently acquired $87 million of the 6.400% Notes in liability management exercises in August 2009 and December 2010.

Basis of presentation

The following summarized financial information reflects, on a combined basis, the Balance Sheet as of March 31, 2026, and as of December 31, 2025, and the Income Statement for the three months ended March 31, 2026, and for the year ended December 31, 2025 of CRH America and CRH plc, which guarantees the registered debt; collectively the ‘Obligor Group’. Intercompany balances and transactions within the Obligor Group have been eliminated in the summarized financial information below. Amounts attributable to the Obligor Group’s investment in non-obligor subsidiaries have also been excluded. Intercompany receivables/payables and transactions with non-obligor subsidiaries are separately disclosed as applicable. This summarized financial information has been prepared and presented pursuant to Regulation S-X Rule 13-01 and is not intended to present the financial position and results of operations of the Obligor Group in accordance with U.S. GAAP.

The summarized Income Statement information is as follows:

in $ millions			Three months ended March 31, 2026			Year ended December 31, 2025
Income from operations before income tax benefit and income from equity method investments (i)			324			3,503
- of which relates to transactions with non-obligor subsidiaries			78			3,431
Net income – all of which is attributable to equity holders of the Company			324			3,502
- of which relates to transactions with non-obligor subsidiaries			78			3,431
(i) Revenues and gross profit for the Obligor Group for the three months ended March 31, 2026 and for the year ended December 31, 2025 amounted to $nil million and $nil million, respectively.
The summarized Balance Sheet information is as follows:
			March 31			December 31
			2026			2025
Current assets			798			864
Current assets – of which is due from non-obligor subsidiaries			651			613
Noncurrent assets			2,350			2,235
Noncurrent assets – of which is due from non-obligor subsidiaries			2,349			2,235
Current liabilities			1,861			1,594
Current liabilities – of which is due to non-obligor subsidiaries			1,843			1,587
Noncurrent liabilities			742			743

Critical Accounting Policies and Estimates

There were no material changes during the three months ended March 31, 2026, to our critical accounting policies and/or estimates disclosed in the Consolidated Financial Statements included in our 2025 Form 10-K.

Available Information

The Company maintains an internet address at www.crh.com and makes available free of charge through its website its annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, and amendments thereto, if any, filed or furnished pursuant to Section 13(a) or 15(d) of the Exchange Act, which are available as soon as reasonably practicable after CRH files or furnishes such information to the SEC. Investors may also access such documents via the SEC’s website at www.sec.gov.

32

CRH FORM 10-Q

From time to time, we may post on our website news releases, announcements and other statements about our business performance, results of operations and sustainability matters, some of which may contain information that may be deemed material to investors. Additionally, we may use our LinkedIn account (www.linkedin.com/company/crh), as well as our other social media channels from time to time, to post announcements that may contain information that may be deemed material to investors. Our officers may use similar social media channels to disclose information about the Company. We encourage investors, the media and others interested in CRH to review the business and financial information we or our officers post on our website and the social media channels identified above. Information on CRH’s website or such social media channels does not form part of, and is not incorporated into, this Quarterly Report.

33

CRH FORM 10-Q

CRH is exposed to market risks relating to fluctuations in foreign exchange risks, interest rates, and commodity prices. Changes in those factors could impact the Company’s results of operations and financial condition. Financial risk management at the Company seeks to minimize the negative impact of foreign exchange, interest rate and commodity price fluctuations on the Company’s earnings, cash flows and equity. Management provides oversight for risk management and derivative activities, determines certain of the Company’s financial risk policies and objectives, and provides guidelines for derivative instrument utilization.

To manage these risks, CRH uses various derivative financial instruments, including interest rate swaps, foreign exchange forwards and swaps, and commodity contracts. CRH only uses commonly traded and non-leveraged instruments. These contracts are entered into primarily with major banking institutions and utility companies, while CRH actively monitors its exposure to counterparty risk through the use of counterparty approvals and credit limits, thereby managing the risk of counterparty loss.

The following discussion presents the sensitivity of the market value, earnings and cash flows of the Company’s financial instruments to hypothetical changes in interest and exchange rates assuming these changes occurred as of March 31, 2026.

Interest Rate Risk

CRH may be impacted by interest rate volatility with respect to existing debt and future debt issuances as well as cash balances. For fixed rate debt instruments, interest rate changes affect the fair market value but do not impact earnings or cash flows. Conversely, for floating rate debt instruments, interest rate changes generally do not affect the fair market value of the instrument but impact future earnings and cash flows, assuming that other factors are held constant. Cash balances are held on short-term deposits and changing interest rates will impact deposit interest income earned. The Company uses interest rate swaps to convert a portion of its fixed rate debt to floating rate debt and these may be designated and qualify as fair value hedges. The Company also uses interest rate swaps to convert a portion of its floating rate debt to fixed rate debt and these may be designated and qualify as cashflow hedges. Under these arrangements, the Company agrees to exchange, at specified intervals, the difference between fixed and benchmark floating interest rates calculated by reference to an agreed-upon notional principal amount.

As of March 31, 2026, of total debt including overdrafts, finance leases and the impact of derivatives, the Company had fixed rate debt of $16.9 billion and floating rate debt of $2.2 billion, representing 88% and 12%, respectively. The equivalent figures as of December 31, 2025, were fixed rate debt of $16.6 billion and floating rate debt of $1.6 billion, representing 91% and 9%, respectively, and as of March 31, 2025, fixed rate debt of $13.9 billion and floating rate debt of $2.1 billion, representing 87% and 13%, respectively. The Company’s interest rate swaps as of March 31, 2026 whereby the Company swaps from fixed interest rates to floating interest rates, were $0.5 billion, compared to $0.5 billion as of December 31, 2025 and $1.4 billion as of March 31, 2025. The Company’s interest rate swaps as of March 31, 2026 whereby the Company swaps from floating interest rates to fixed interest rates, were $0.4 billion, compared to $nil billion as of December 31, 2025 and $nil billion as of March 31, 2025. Cash and cash equivalents and restricted cash as of March 31, 2026, were $3.3 billion, compared to $4.1 billion as of December 31, 2025 and $3.4 billion as of March 31, 2025, which were all held on short-term deposits and investments.

Sensitivity to interest rate moves

As of March 31, 2026, the before-tax earnings and cash flows impact of a 10 bps increase in interest rates, including the offsetting impact of derivatives, on the variable rate cash and debt portfolio would be approximately $11 million favorable ($24 million favorable as of December 31, 2025 and $12 million favorable as of March 31, 2025).

Foreign Exchange Rate Risk

CRH’s exchange rate exposures result primarily from its investments and ongoing operations in countries outside of the United States and other business transactions such as the procurement of products, services and equipment from foreign sources. Fluctuations in foreign currency exchange rates may affect (i) the carrying value of the Company’s net investment in foreign subsidiaries; (ii) the translation of foreign currency earnings; and (iii) the cash flows related to foreign currency denominated transactions.

Where economically feasible, the Company maintains Net Debt*2in the same relative ratio as capital employed to act as an economic hedge of the underlying currency assets. Where it is not feasible to do so, the Company may enter into foreign exchange forward contracts to hedge a portion of the net investment against the effect of exchange rate fluctuations. These transactions are designated as net investment hedges.

The Company also enters into foreign exchange forward contracts to hedge against the effect of exchange rate fluctuations on cash flows denominated in foreign currencies. These transactions are designated as cash flow hedges. In addition, the Company may enter into foreign currency contracts that are not designated in hedging relationships to offset, in part, the impacts of changes in value of various non-functional currency denominated items including certain intercompany financing balances. The U.S. Dollar equivalent gross notional amount of the Company’s foreign exchange forward contracts was $4.9 billion as of March 31, 2026, compared to $4.3 billion as of December 31, 2025 and $3.4 billion as of March 31, 2025.

Holding all other variables constant, if there was a 10% weakening in foreign currency exchange rates versus U.S. Dollar for the portfolio, the fair market value of foreign currency contracts outstanding as of March 31, 2026, would increase by approximately $168 million with an offsetting movement in the hedged foreign currency exposure. In comparison, the fair market value of foreign currency contracts outstanding as of December 31, 2025 would increase by approximately $201 million and as of March 31, 2025, would increase by approximately $24 million, with an offsetting movement in the hedged foreign currency exposure.

Commodity Price Risk

Some of the Company’s products use significant amounts of commodity-priced materials, predominantly oil, electricity, coal and carbon credits which are subject to price changes based upon fluctuations in the commodities market. This price volatility could potentially have a material impact on our financial condition and/or our results of operations. Where feasible, the Company manages commodity price risks through negotiated supply contracts and forward contracts to manage operating costs. The Company monitors commodity trends and where possible has alternative sourcing plans in place to mitigate the risk of supplier concentration and passing commodity-related inflation to customers or suppliers.

Where appropriate, the Company also has a number of derivative hedging programs in place to hedge commodity risks, with the aim of the programs being to neutralize variability arising from changes in associated commodity indices. The timeframe for such programs can be up to three years.

• Represents a non-GAAP financial measure. See the discussion within 'Non-GAAP Reconciliation and Supplementary Information' on pages 28 to 29.2

34

CRH FORM 10-Q

Evaluation of Disclosure Controls and Procedures

Management has evaluated the effectiveness of the design and operation of the disclosure controls and procedures as defined in Securities Exchange Act Rule 13a-15(e) as of March 31, 2026. Based on that evaluation, the Chief Executive Officer and the Chief Financial Officer have concluded that these disclosure controls and procedures were effective as of such date at the level of providing reasonable assurance.

In designing and evaluating our disclosure controls and procedures, management, including the Chief Executive Officer and the Chief Financial Officer, recognized that any controls and procedures, no matter how well designed and operated, can provide only reasonable assurance of achieving the desired control objectives, and management necessarily was required to apply its judgment in evaluating the cost-benefit relationship of possible controls and procedures.

Because of the inherent limitations in all control systems, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected.

Changes in Internal Control over Financial Reporting

There were no changes in our internal control over financial reporting during our most recently completed fiscal quarter that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

35

CRH FORM 10-Q

PART II - OTHER INFORMATION

Item 1. Legal Proceedings

The Company is from time to time a party to various legal proceedings that arise in the ordinary course of business. We do not believe any pending legal proceeding to which the Company is a party will have a material effect on our financial condition, results of operations or liquidity.

There have been no material changes with respect to the risk factors disclosed in 'Item 1A. Risk Factors' of our 2025 Form 10-K.

Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities

The following table presents the number and average price of shares purchased in each month of the first quarter of fiscal year 2026:

Period			(a) Total Number of Shares Purchased			(b) Average Price Paid per Share			(c) Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs (i)			(d) Maximum Number of Shares that May Yet Be Purchased Under the Plans or Programs
January 1 – January 31, 2026			626,600			$124.36			626,600			58,108,900
February 1 – February 28, 2026			727,065			$123.02			727,065			54,605,535
March 1 – March 31, 2026			1,570,793			$104.75			1,570,793			53,034,742
Total			2,924,458						2,924,458

(i) In May 2018, CRH announced its intention to introduce a share repurchase program to repurchase Ordinary Shares (the ‘Program’). In the first quarter of 2026, the Company returned a further $0.3 billion of cash to shareholders through the repurchase of 2,924,458 Ordinary Shares (equivalent to 0.4% of the Company’s issued and outstanding Ordinary Shares). This brought total cash returned to shareholders under the Program to $9.9 billion since its commencement in May 2018. The purchases in the first quarter of 2026 were completed under the following tranches:

Date Announced						Max Amount to be Repurchased (in $ millions)			Expiration Date
November 6, 2025			(Tranche 27)			300			February 17, 2026
February 19, 2026			(Tranche 28)			300			April 28, 2026

Item 3. Defaults Upon Senior Securities

None.

Item 4. Mine Safety Disclosures

The information concerning mine safety violations or other regulatory matters required by Section 1503(a) of the Dodd‐Frank Wall Street Reform and Consumer Protection Act and Item 104 of Regulation S‐K (17 CFR 229.104) is included in Exhibit 95 to this Quarterly Report.

During the three months ended March 31, 2026, no Director or officer (as defined in Section 16 of the Exchange Act) of the Company adopted or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) and (c) of Regulation S-K.

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CRH FORM 10-Q

The following exhibits are filed as part of, or incorporated by reference into, this Quarterly Report.

Exhibits

3.1			Memorandum and Articles of Association of CRH public limited company, dated May 8, 2025 (incorporated by reference to Exhibit 3.1 to the current report on Form 8-K filed May 9, 2025).
22.1			List of Guarantors and Subsidiary Issuers of Guaranteed Securities.
31.1			Certification of Chief Executive Officer Pursuant to Rule 13a-14(a) or Rule 15d-14(a), as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
31.2			Certification of Chief Financial Officer Pursuant to Rule 13a-14(a) or Rule 15d-14(a), as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
32.1*			Certification of Chief Executive Officer Pursuant to Rule 13a-14(b) or Rule 15d-14(b) and 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
32.2*			Certification of Chief Financial Officer Pursuant to Rule 13a-14(b) or Rule 15d-14(b) and 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
95.1			Disclosure of Mine Safety and Health Administration (MSHA) Safety Data.
101			Inline eXtensible Business Reporting Language (XBRL).
104			Cover Page Interactive Data File (formatted in iXBRL in Exhibit 101).
*			Furnished herewith.

The total amount of long-term debt of the registrant and its subsidiaries authorized under any one instrument does not exceed 10% of the total assets of CRH plc and its subsidiaries on a consolidated basis. The Company agrees to furnish copies of any such instrument to the SEC upon request.

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CRH FORM 10-Q

Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

CRH public limited company (Registrant)

By /s/ Nancy Buese Nancy Buese Chief Financial Officer

April 30, 2026

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