PEXA GROUP LIMITED — AGM Information 2025

Nov 12, 2025

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Annual General Meeting 2025

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The PEXA Group acknowledges Aboriginal and Torres Strait Islander people as the traditional custodians of the lands on which we work, live and dream, we pay our respects to elders past and present.

We recognise that we have a role to play in creating space and place for Aboriginal and Torres Strait Islander voices in our business and our impact.

We continue to explore how we walk together, how we co-design with Aboriginal and Torres Strait Islander Peoples, to develop meaningful relationships, with mutual benefit.

We will continue to embrace the spirit of reconciliation, in its evolving nature, toward an equitable future.

Your Board of Directors

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Mark Joiner

Russell Cohen Chief Executive Officer & Group Managing Director

Independent Chairperson

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Paul Rickard

Vivek Bhatia

Non-Executive Director and

Independent Non-Executive Director

Commonwealth Bank of Australia Nominee Director

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Georgina Lynch Independent Non-Executive Director

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Helen Silver AO

Independent Non-Executive Director

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Melanie Willis

Independent Non-Executive Director

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Jeffrey Smith Independent Non-Executive Director

Agenda

01 Mark Joiner Chair Address Chair

02 CEO Update

Russell Cohen CEO & Group Managing Director

03 Resolutions

3

01 Chair Address

Mark Joiner Chair

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› Year in Review

› Governance

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02 CEO Update

Russell Cohen CEO & Group Managing Director

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Why PEXA? Unlocking the future of property transactions with a market-leading platform

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World-first essential digital platform Nation-wide reach with over 90% market coverage Unique IP backed by knowledgeable workforce Consistently improving cash flows Strong balance sheet Attractive growth opportunities

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FY25 Group financial snapshot

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Group Revenue Group EBITDA [1] NPATA [1] Statutory NPAT
+16% ↑ +21% ↑ (6%) ↓ (58.1m) ↓
$393.6m $134.4m $41.1m ($76.1m)
FY24: $340.1m FY24: $111.5m FY24: $43.8m FY24: $(18.0m)
Group EBITDA margin [1,2] Free cashflow EPS [4] Net Debt/EBITDA [1,3]
34.1% +1.3ppt ↑ $56.0m +45% ↑ (43.0cps) [(32.8cps)] ↓ 1.8x (0.7x) ↓
FY24: 32.8% FY24: $38.5m FY24: (10.2cps) FY24: 2.5x
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vs FY24

• 1 Group EBITDA represents financial results from core operations before associates, which is adjusted for significant items. EBITDA is a non-IFRS measure. 2 Group EBITDA before associates / Revenue

• 3 Last twelve months (LTM) basis

4 Earnings per share: NPAT / weighted average number of ordinary shares

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Australian Exchange

Revenue growth exceeding cost growth, driven by national rollout, cost efficiencies and scale benefits

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Exchange ($m)
FY25 313.8
Revenue ↑ 7.5%
FY24 292.0
FY25 172.5
EBITDA [1] ↑ 8.4%
FY24 159.1
FY25 55.0%
EBITDA
↑ 0.5ppt
Margin [2] FY24 54.5%
FY25 138.7
Operating cash flow [3] ↑ 14.3%
FY24 121.4
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FY25 Highlights

• Operating leverage driving EBITDA growth

• Progression of national rollout with enablement of Tasmania and setting the foundation for NT launch

• Expansion of digital lodgement capability through introduction of new dealing types in WA

• Improved customer efficiency through additional API connections

• Simplifying digital signing by providing the option for customers to sign on mobile devices

• Increased market coverage to 90%

• Strong cash generating business

• $34m capex invested in core infrastructure improvements to resilience and new features

• Continued to work proactively with our regulator to design practical industry reforms

• 1 Financial results from core operations; represent reported results adjusted for significant non-recurring items. Non-IFRS measure. 2 Group EBITDA before associates / Revenue

• 3 Operating cash flow: EBITDA excluding the effect of significant items less capital expenditure

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International

Product build is complete and improved operating performance during FY25; Top tier lender commitment in July 2025

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International ($m)
FY25 60.7
Revenue ↑ 15.4% FY24PF 1 52.6
FY24 32.4
(37.8) FY25
EBITDA ↑ 12.1% (43.0) FY24PF
(40.6)(42) FY24
(62.3%) FY25
EBITDA
↑ 19.4ppt (81.7%) FY24PF
Margin
(125.3%) FY24
(57.7) FY25
Operating
↑ 16.7% (69.3) FY24PF
cash flow
(66.8) FY24
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FY25 Highlights

• FCA Approval granted to become Authorised Payment Institution in UK

• • S&P platform build delivered , ready for the launch of our full product suite in 1H26

• Completed UK’s first digital property transaction using S&P platform

• • Lender engagement progressed towards written commitment from NatWest in July 2025

• Smoove integration completed, achieved EBITDA breakeven in 2H25

• • Optima Legal performance uplift

1 FY24PF: The pro forma view assumes Smoove was owned for all FY24.

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Digital Solutions

Strategic Review announced to assess fit and profitable growth opportunities

Digital Solutions ($m)

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FY25 19.1
Revenue ↑ 21.7%
FY24 15.7
(0.3) FY25
EBITDA ↑ 95.1%
(7.0) FY24
(1.6%) FY25
EBITDA ↑ 43.0ppt
Margin (44.6%) FY24
Operating (4.6) FY25
↑ 61.3%
cash flow
(11.9) FY24
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FY25 Highlights

• Improving revenue, EBITDA and operating cashflow as businesses scale

• Revenue growth driven primarily by Insights businesses

.id and Value Australia:

• >95% customer retention and >80% annuity style revenue

• Established strategic partnerships and expansion of Automated Valuation Model offering

• Increased market share into priority growth segments , particularly Education and Utilities

• Expanded adoption of products within government sectors, particularly local government

Strategic Review

• Assessment of contribution to future growth

• Review of divestment opportunities and/or need to contribute further investment

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Drive outstanding shareholder value through consistently excellent customer and employee experiences

Core Financial Operating Guidance PEXA reaffirms FY26 Guidance

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Group Revenue $393.6m $405m to $430m
Group EBITDA margin [1] 34.1% 32% - 35%
Group Core NPAT [1] $2.1m $5m to $15m
Group Capex ($58.0m) ($60m) to ($65m)
International operating cash flow ($57.7m) ($59m) to ($63m)
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1 Financial results from core operations; represent reported results adjusted for significant non-recurring items, detailed on page 11. Non-IFRS measure.

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Q&A

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03 Resolutions

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Item 1: Consideration of reports

To receive and consider the Annual Financial Report, the Directors’ Report and the Independent External Auditor’s Report of the Company for the financial year ended 30 June 2025.

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Item 2. Re-election of Director – Helen Silver

That Helen Silver, who retires in accordance with clause 4.7 of the Company’s Constitution and being eligible for re-election, is re-elected as a Director of the Company.

Direct and proxy votes received

	For	Open	Against
Number of votes	133,127,887	1,448,942	1,370,370
Percentage %	97.93%	1.07%	1.01%

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Item 3. Remuneration Report

That the PEXA Group Remuneration Report for the financial year ended 30 June 2025 is adopted.

Direct and proxy votes received

	For	Open	Against
Number of votes	131,272,126	1,420,492	3,218,010
Percentage %	96.59%	1.05%	2.37%

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Item 4. Approval for grant of Performance Rights to Russell Cohen

(a) That, for the purposes of Listing Rule 10.14 and for all other purposes, approval is given for the grant of 18,726 Performance Rights to the Company’s Managing Director and Chief Executive Officer, Russell Cohen, pursuant to the PEXA Group Limited Equity Incentive Plan and on the terms and conditions set out in the Explanatory Memorandum.

Direct and proxy votes received

	For	Open	Against
Number of votes	133,315,098	1,414,172	1,179,411
Percentage %	98.09%	1.04%	.87%

(b) That, for the purposes of Listing Rule 10.14 and for all other purposes, approval is given for the grant of 62,866 Performance Rights to the Company’s Managing Director and Chief Executive Officer, Russell Cohen, pursuant to the PEXA Group Limited Equity Incentive Plan and on the terms and conditions set out in the Explanatory Memorandum.

Direct and proxy votes received

	For	Open	Against
Number of votes	133,263,873	1,417,551	1,225,279
Percentage %	98.06%	1.04%	.90%

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Thank you

Important notices and disclaimer

This presentation and accompanying information ( Presentation ) has been prepared for the purpose of providing general background information on PEXA Group Ltd ( PEXA or the Group ), its subsidiaries and their activities.

No offer of securities

This Presentation is not a Prospectus, product disclosure statement or offer document under Australian law or the laws of any other jurisdiction. It is not and should not be considered, and does not contain or purport to contain, an offer, invitation, solicitation or recommendation with respect to the subscription, purchase or sale of any securities in PEXA or any other entity.

The information contained in the Presentation has been prepared without taking account of any person’s investment objectives, financial situation or particular needs and nothing contained in the Presentation constitutes investment, tax, legal or other advice. You must not rely on the Presentation but make your own independent assessment and rely on your own independent taxation, legal, financial or other professional advice.

Financial data

All financial amounts contained in this Presentation are expressed in Australian dollars (unless otherwise stated). Note: numbers may not sum due to rounding.

Certain financial information included in this Presentation is ‘non-IFRS financial information’ under Regulatory Guide 230 ‘Disclosing non-IFRS financial information’ published by ASIC. PEXA believes this non-IFRS financial information provides useful information to users in measuring the financial performance and condition of PEXA. The non-IFRS financial information does not have standardised meanings prescribed by Australian Accounting Standards and, therefore, may not be comparable to similarly titled measures presented by other entities, nor should it be construed as an alternative to other financial information determined in accordance with Australian Accounting Standards. You are cautioned, therefore, not to place undue reliance any non-IFRS financial information or ratio included in this Presentation,

Forward statements

No representation or warranty, expressed or implied, is made as to the accuracy, reliability, adequacy or completeness of the information and opinions contained in the Presentation.

We use words such as ‘will’, ‘may’, ‘intend’, ‘seek’, ‘would’, ‘should’, ‘could’, ‘continue’, ‘plan’, ‘probability’, ‘risk’, ‘forecast’, ‘likely’, ‘estimate’, ‘anticipate’, ‘believe’, or similar words to identify Forward Statements. Forward Statements are based on assumptions and contingencies which are subject to change without notice, may involve known and unknown risks and uncertainties and other factors, many of which are beyond the control of PEXA, and have been made based upon management’s expectations and beliefs concerning future developments and their potential effect on us.

No representation is made or will be made that any Forward Statements will be achieved or will prove to be correct. Actual future results and operations could vary materially from the Forward Statements. Circumstances may change and the contents of this Presentation may become outdated as a result.

Except as required by applicable laws or regulations, PEXA does not undertake any obligation to provide any additional or updated information or revise the Forward Statements or other statements in this Presentation, whether as a result of a change in expectations or assumptions, new information, future events, results or circumstances.

Past performance

Past performance and historical information given in this Presentation is given for illustrative purposes only and should not be relied upon as (and is not) an indication of future performance.

Market and industry data

This Presentation contains statistics, data and other information (including forecasts and projections) relating to markets, market sizes, market shares obtained from research, surveys or studies conducted by third parties (Market Data).

You should note that Market Data is inherently predictive, is subject to uncertainty and not necessarily reflective of actual market conditions. PEXA cannot assure you as to the accuracy or the reliability of the underlying assumptions used to estimate such Market Data. Forecasts and estimates involve risks and uncertainties and are subject to change based on various factors, including in data collection and the possibility that relevant data has been omitted.

Disclaimer

The information is supplied in summary form and is therefore not necessarily complete. The material contained in this Presentation may include information derived from publicly available sources that have not been independently verified. No representation or warranty is made as to the accuracy, completeness or reliability of the information.

To the maximum extent permitted by law, PEXA and each of its affiliates, directors, employees, officers, partners, agents and advisers and any other person involved in the preparation of the Presentation disclaim all liability and responsibility (including without limitation, any liability arising from fault or negligence) for any direct or indirect loss or damage which may arise or be suffered through use or reliance on anything contained in, or omitted from, the Presentation. PEXA accepts no responsibility or obligation to inform you of any matter arising or coming to its notice, after the date of the Presentation or this document, which may affect any matter referred to in the Presentation.

This Presentation should be read in conjunction with PEXA’s other periodic and continuous disclosure announcements lodged with the ASX, which are available at www.asx.com.au.

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pexa.com.au