QUICKFEE LIMITED — Interim / Quarterly Report 2026

Feb 23, 2026

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QUICKFEE H1 FY26 RESULTS

24 February 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle

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QuickFee is a market leader in the highmargin, B2B feefunding industry for accounting and legal professions across Australia and the US

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To learn more about QuickFee, please visit our Investor Hub: www.investorhub.quickfee.com/activity-updates/quickfee-about-us

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www.quickfee.com

24 February 2026

1

QuickFee helps professional services firms accelerate collection of accounts receivable, get paid faster and grow their business.

WE HELP FIRMS

OUR SOLUTIONS

B2B FINANCE

TRUSTED FOR PAYMENTS AND FINANCING SOLUTIONS SINCE 2009:

Pay Now | EFT + Card (AU only)

• • Designed specifically for professional service firms

Reduce A/R

A/R typically runs high for firms, and we can help turn that A/R into cash

Secure digital payments platform for accounting and professional service firms

PROFESSIONAL SERVICES 720+ FIRMS CURRENTLY FINANCED WORLDWIDE OVER LOANS ORIGINATED SINCE INCEPTION $750M TARGET MARKET: PROFESSIONAL SERVICES FIRMS OVER $1M IN ANNUAL REVENUE

• • No invoice maximum for QuickFee Finance

Grow the Business

Pay Over Time | QuickFee Finance

There are many priorities competing for cash, and we help find more of it for firms and their clients

• Finance + Finance product is B2B Exclusive invoice and fee only, no consumer credit financing for clients to pay regulations over 3,6,9 or 12-months

Disbursement funding

Helping law firms pay disbursements related to personal injury and disputed estates matters

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www.quickfee.com

24 February 2026

2

Targeting Accounting and Legal verticals

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Focus on professional services firms

• • Professional services with a business-to-business (B2B) focused customer base
• • Firm revenue greater than $1M

In Accounting and Legal verticals

• • Accounting or solution providers to accounting (e.g. accounting software or CPA State Society)

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• • Commercial, family law and personal injury law firms

Underpins low-risk lending model

• • Professional accreditations licensing and highly regulated environments require high ethical standards, which significantly reduce counter-party risk in B2B lending

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• • Annual recurring revenue streams for accounting and tax compliance obligations ensure low volatility receivables
• • Legal work more transactional and larger ticket size drives demand for financing

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www.quickfee.com

24 February 2026

3

H1 FY26 Results Overview

Return to core operations delivers underlying revenue growth[1] , positive NPAT and interim dividend

H1 FY26 PERFORMANCE (A$M)	H1 FY26	H1 FY25	MOVEMENT
REVENUE – AUSTRALIA	6.7	6.1	+10%
REVENUE - USA	3.4	5.6	-39%
TOTAL REVENUE	10.1	11.7	-14%
UNDERLYING REVENUE1	8.5	8.2	+4%
GROSS PROFIT	6.2	7.6	-18%
EBTDA BEFORE PROFIT ON SALE	2.0	0.3	567%
PROFIT/(LOSS) BEFORE PROFIT ON SALE	0.8	(1.2)	UP $2.0M
PROFIT ON SALE OF US PAY NOW BUSINESS	35.6	-	-
PROFIT/(LOSS) FOR THE PERIOD	36.4	(1.2)	UP $37.6M
DILUTED EPS (CENTS)	9.6	(0.4)	UP 10cps
INTERIM DIVIDEND (CENTS)	0.5	-	+0.5cps

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EARNINGS GUIDANCE FY26 EBTDA in the range of $3.75 - $4.25 million

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1 “Underlying revenue” for H1 FY26 and H1 FY25 has been restated/normalised to remove revenue from US Pay Now (US ACH, Card and Connect products), which was sold in September 2025. Underlying revenue was up 4% on pcp.

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24 February 2026

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Underlying revenue up 4% at attractive net interest margin

• H1 FY26 normalised revenue up 4% on normalised pcp

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GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS)
15.0%
14.8%
14.6% 14.6%
14.4%
14.1%
13.7%
13.3% 13.3%
13.0%
Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26
LAST 12 MONTHS NET INTEREST MARGIN
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UNDERLYING REVENUE vs PCP
A$3.5M
A$1.7M
A$8.2M A$8.5M
H1 FY25 H1 FY26
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• Group net interest margin increasing steadily over time to 15% in Q2 FY26, with low volatility on a quarterly basis

• REVENUE FROM PRODUCTS SOLD

• ** UNDERLYING REVENUE

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24 February 2026 5

H1 FY26 Highlights

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Underlying revenue growth of 4% on pcp

• • Reported revenue was down 14% on pcp to A$10.1 million
• • Underlying revenue (excluding US Pay Now business) was up 4% on pcp

Positive EBTDA of $2.0 million and positive NPAT of $0.8 million (before profit on sale)

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• • Core operations deliver attractive net interest margin of 15%
• • Structurally profitable operations with low product development and capex requirements

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• Sale of US Pay Now business for US$26.35 million (A$40 million) completed on 9 September 2025 + Retained US Finance business and loan book

• • New reseller agreement with Aiwyn for the US Finance product

New capital management strategy and capital return of 7.5cps completed

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• • Capital return of 7.5c per share completed and total capital return to shareholders of A$28.5 million
• • Proposed interim dividend of 0.5c per share, partially franked at 27% with expectation of ongoing dividends

Confirmed FY26 earnings guidance

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• • Growth potential in Aiwyn reseller volumes in the US in 2026
• • Expected FY26 EBTDA in the range of A$3.75 million – A$4.25 million

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24 February 2026

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Structurally profitable operations with positive EBTDA & NPAT

• • The sale of the US Pay Now business has led to a structural reduction in the operating cost base
• • Operating expenses in H1 FY26 of A$4.4 million, were down 40% on pcp
• • EBTDA in H1 FY26 of $2.0 million, was up 567% on pcp
• • NPAT before profit on sale of $0.8 million, the first ever positive NPAT result

OPERATING EXPENSES BY HALF-YEAR (A$M)

EBTDA BY HALF-YEAR (A$M)

NPAT BY HALF-YEAR (A$M)

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8.4
7.4 7.3
6.6
4.4
H1 FY24 H2 FY24 H1 FY25 H2FY25 H1 FY26
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2.1 2.0
0.3
-0.5
-2.7
H1 FY24 H2 FY24 H1 FY25 H2FY25 H1 FY26
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0.8
-1.3 -1.2
-3.0
-3.4
H1 FY24 H2 FY24 H1 FY25 H2FY25 H1 FY26
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24 February 2026

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AUSTRALIA: REVENUE GROWTH CONTINUES

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Solid performance in AU

AU Financial Performance

A$’M	H1 FY26	H1 FY25	%+/-
Finance (Pay Over Time) revenue	5.9	5.4	+9%
Pay Now (EFT + Card) revenue	0.5	0.5	-
BNPL revenue (product ceased)	0.3	0.2	+50%
TOTAL REVENUE	6.7	6.1	+10%
Interest on loan book borrowings	(2.0)	(1.6)	+25%
Other cost of sales	(1.1)	(0.9)	+22%
GROSS PROFIT	3.6	3.6	-
Gross margin %	54%	59%	-500 bps
Operating expenses	(1.7)	(1.5)	+13%
EBTDA*	1.9	2.1	-10%

• • Continued revenue growth: AU revenue up 10% to $6.7 million, driven by strong growth in Finance revenue to $5.9 million
• • Gross margin of 54% down by 500bps on pcp due to higher interest expense as larger proportion of AUD denominated borrowings post refinancing in June 2025
• • EBTDA of $1.9 million down 10% on pcp due to a slight increase in operating expenses
• • Finance plans in quarter stable at 5,835, and Active Firms stable at 490

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www.quickfee.com *EBTDA = statutory EBITDA less interest expense on loan book borrowings Unallocated and Product development expenses are not included in the above segment results.

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UNITED STATES:

SINGULAR FOCUS AND RESELLER CHANNEL

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US: Structurally profitable

US Financial Performance

A$’M	H1 FY26	H1 FY25	%+/-
Finance (Pay Over Time) revenue	1.7	2.1	-19%
Pay Now (ACH + Card) revenue	1.5	3.5	-57%
Connect (software) revenue	0.2	-	-
TOTAL US REVENUE	3.4	5.6	-39%
Interest on loan book borrowings	(0.6)	(1.1)	-45%
Other cost of sales	(0.2)	(0.5)	-60%
GROSS PROFIT	2.6	4.0	-35%
Gross margin %	76%	71%	+500bps
Operating expenses	(1.3)	(3.2)	-59%
EBTDA* BEFORE PROFIT ON SALE OF US PAY NOW BUSINESS	1.3	0.8	+63%

• • Pay Now revenue down 57% on pcp, reflects sale of US Pay Now business in September 2025. Excluding Pay Now, US revenue was down 10%, reflecting lower US Finance TTV on pcp.
• • Improved profitability, with significant expansion of gross margins to 76% (up from 65%) due to a lower net interest expense as a result of lower proportion of USD denominated debt post refinancing in June 2025, and a 59% reduction in operating expenses to $1.3m.
• • Positive underlying EBTDA of $1.3m, before profit on sale of US Pay Now business indicates a transition to structurally profitable operations in the US.

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• Excluding one-off credit loss provision expense of US$ 2.2 million (A$ 3.4 million)

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**EBTDA = statutory EBITDA less interest expense on loan book borrowings. Unallocated and Product development expenses are not included in the above segment results.

H1 FY26 FINANCIAL HIGHLIGHTS

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Statutory Group profit & loss

• • Reported revenue: Total reported revenue down 14% to A$10.1 million.
• • Gross profit down 18% to A$6.2 million with gross margin down 400bps to 61%
• • Significant reduction in operating expenses across all operating expense line items
• • Improved profitability: EBTDA (before sale of US Pay Now business) of $2.0m, up 567% on pcp. NPAT (before sale of US Pay Now business) of $0.8m.
• • Profit on sale of US Pay Now business of $35.6m
• • FTEs at 24 February 2026: 19 (30 June 2025: 36):

• 3 in US

• 14 in AU (9 in business, 1x CEO, 4 in finance) 2 non-exec Directors

Financial Performance

A$’M	H1 FY26	H1 FY25	$+/-	%+/-
Interest revenue	7.2	7.1	0.1	+1%
Revenue from contracts with customers	2.9	4.6	-1.7	-37%
TOTAL REVENUE	10.1	11.7	-1.6	-14%
Less: interest expense	(2.6)	(2.8)	-0.2	-7%
Less: cost of sales	(1.3)	(1.3)	-	-
GROSS PROFIT	6.2	7.6	-1.4	-18%
Gross margin %	61%	65%	-400bps
Other income	0.2	-	+0.2	-
General and administrative expenses	(2.5)	(3.0)	-0.5	-17%
Selling and marketing expenses Customer acquisition costs	(0.6) (0.6)	(1.1) (1.3)	-0.5 -0.7	-45% -54%
Product development expenses	(0.7)	(1.9)	-1.2	-63%
EBTDA* BEFORE SALE OF US PAY NOW BUSINESS	2.0	0.3	+1.7	+567%
Depreciation and amortisation	(0.6)	(1.3)	-0.7	+54%
Finance and term loan interest expenses	(0.6)	(0.2)	-0.4	-200%
NPAT /(LOSS) BEFORE SALE OF US PAY NOW BUSINESS	0.8	(1.2)	+2.0	+167%
Profit on sale of Pay Now business	35.6	-	+35.6	-
REPORTED NPAT / (LOSS)	36.4	(1.2)	+37.6	+3k %

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*EBTDA = statutory EBITDA less interest expense on loan book borrowings

Structural reduction in operating expenses

• • Reported operating expenses decreased 40% on pcp to A$4.4 million (H1 FY25: A$7.3 million)

OPERATING EXPENSES BY HALF-YEAR (A$M)

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7.3 1.3
6.6
3.1 3.1
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• • Normalised operating expenses (excluding eliminated US costs) decreased 58% to A$3.1 million
• • Decrease across all line items, with the largest impact on ongoing product development costs, down from $1.8m in H2 FY25 to $0.1m in H1 FY26.
• • Expected opex to remain broadly in line with normalised H1 FY26 levels moving forward

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H1 FY25 H2FY25 H1 FY26 H1 FY26 N
NORMALISED /
ONGOING OPEX
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OPERATING EXPENSES BY HALF-YEAR (A$M)

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GENERAL & ADMINISTRATIVE SELLING & MARKETING
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CUSTOMER ACQUISITION
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PRODUCT DEVELOPMENT

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3.0 3.1
1.1
2.5
2.1 0.8
0.6 0.6
H1 FY25 H2FY25 H1 FY26 H1 FY26 N H1 FY25 H2FY25 H1 FY26 H1 FY26 N
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1.3 1.9 1.8
0.9
0.6
0.7
0.3 0.1
H1 FY25 H2FY25 H1 FY26 H1 FY26 N H1 FY25 H2FY25 H1 FY26 H1 FY26 N
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Underlying Group profit & loss

+ Table shows:

• • Reported revenue and gross profit for continuing Finance product; less
• • Underlying operating expenses excluding discontinued US Pay Now business
• • Finance gross margin 64%
• • Remaining AU Pay Now: break-even EFT/Card revenue
• • H2 traditionally stronger than H1 for all products

Seasonality

• • Revenue stronger in Q2 and Q4, due to Pay Now seasonal volumes; Q4 traditionally stronger than Q2
• • Q1 : US northern hemisphere + Q2 : US lead-up to 1 January tax summer, AU start of financial year season, AU lead up to summer break
• • Q3 : US tax season runs 1 January – + Q4 : US out of tax season and billing 15 April, AU summer break backlog, AU lead up to EOFY

Financial Performance (H1 FY26 underlying)

A$’M	H1 FY26 U
Interest revenue	7.2
Less: interest expense	(2.6)
NET INTEREST MARGIN	4.6
NIM %	64%
Revenue from contracts with customers Less: cost of sales	1.3 (1.2)
GROSS PROFIT	4.7
Gross margin %	55%
Other income	-
General and administrative expenses	(2.1)
Selling and marketing expenses	(0.6)
Customer acquisition costs	(0.3)
Product development expenses	(0.1)
EBTDA	1.6
Depreciation and amortisation	(0.6)
Finance and term loan interest expenses	(0.6)
NPAT	0.4

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*EBTDA = statutory EBITDA less interest expense on loan book borrowings

Group balance sheet

• • Cash: A$4.7 million unrestricted cash + A$10.1 million of ‘ACH cash-in-transit’ (30 June 2025: A$6.9 / A$6.8 million); ACH cash in transit is offset by outstanding settlements current liability)
• • Loan book growth: AU loan book up 4% from June 2025 to A$49.0 million; US loan book up 5% on June 2025 to US$ 7.9 million.
• • Decrease in borrowings as debt paid down with proceeds of sale: Borrowings down A$3.4 million to A$49.9 million

AU LOAN BOOK

US LOAN BOOK

A$’M	31 DEC 2025	30 JUNE 2025	$+/-	%+/-
Cash and cash equivalents	14.8	13.7	+1.1	+8%
Restricted cash held in escrow	2.0	-	+2.0	-
Loan receivables (current)	59.0	56.4	+2.6	+5%
Trade and other current assets	0.9	1.2	-0.3	-25%
TOTAL CURRENT ASSETS	76.7	71.3	+5.4	+8%
Loan receivables (non-current)	1.9	2.2	-0.3	-14%
Fixed assets and other non-current assets	1.6	0.8	+0.8	+100%
TOTAL ASSETS	80.2	74.3	+5.9	+8%
Borrowings	49.9	53.3	-3.4	-6%
Firm settlements outstanding	12.5	11.0	+1.5	+14%
Trade and other current liabilities	3.1	3.9	-0.8	-21%
TOTAL CURRENT LIABILITIES	65.5	68.2	-2.7	-4%
Total non-current liabilities	1.2	0.6	+0.6	+100%
TOTAL LIABILITIES	66.7	68.8	-2.1	-3%
NET ASSETS	13.5	5.5	+8.0	+145%
Contributed equity	25.1	53.0	-27.9	-53%
Other reserves	0.1	0.6	-0.5	-83%
Accumulated losses	(11.7)	(48.1)	+36.4	+76%
TOTAL EQUITY	13.5	5.5	8.0	+145%

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Cash and liquidity breakdown

A$M	31 DEC 2025	30 JUNE 2025	$+/-
TOTAL CASH	16.8	13.7	+3.1	COMMENTS
COMPRISING:
UNRESTRICTED CASH ON HAND	4.7	6.9	-2.2	Operating cash to run the business
RESTRICTED CASH HELD IN ESCROW	2.0	-	+2.0	To be received as unrestricted cash on 11 September 2026
ACH ‘CASH IN TRANSIT’	10.1	6.8	+3.3	Transferred to Aiwyn in February 2026, along with corresponding
				liabilities
OTHER CURRENT ‘LIQUID ASSETS’				Held by QuickFee’s US card processor as security for customer non-
OTHER DEPOSITS HELD BY THIRD PARTIES (IN OTHER CURRENT ASSETS	1.8	-	+1.8	solicitation commitments (non-cash provision of $1.5m in liabilities). To be received at A$75,000 per month from September 2026 to August
AND DEPOSITS)				2028.
BORROWINGS HEADROOM (NOT ON
BALANCE SHEET)	4.9	0.2	+4.7	This represents the amount available to draw today to take borrowings

BORROWINGS HEADROOM (NOT ON BALANCE SHEET) DEBT FACILITY HEADROOM BASED ON CURRENT LOAN BOOK

This represents the amount available to draw today to take borrowings to the maximum permitted advance rate (95% of receivables).

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Cash movements

Cash movements
H1 FY26 CASH MOVEMENT		A$M
UNRESTRICTED CASH ON HAND AT 1 JULY 2025		6.9
Gross cash from sale proceeds		40.2
Sale transaction costs		-2.8
Funds from proceeds held in escrow and on deposit		-3.8
Capital return to shareholders		-28.5
Debt repayment and operating cashflow		-3.8
Loan book growth and other working capital movements		-3.5
UNRESTRICTED CASH ON HAND AT 31 DECEMBER 2025		4.7
CY26 EXPECTED CASH MOVEMENT
**(excluding operating and working capital cashflow) ***
UNRESTRICTED CASH ON HAND AT 31 DECEMBER 2025		4.7
H1 FY26 dividend payment (est.)		-2.0
September 2026 receipt of escrow funds		+2.0
Other sale deposits refunded September 2026 – December 2026		+0.3
Expected final FY26 dividend (est.) (not yet approved )		-2.0
CASH AT 31 DECEMBER 2026 PRE-CASHFLOW FROM	OPERATIONS **	3.0

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• CY26 cashflow in table excludes operational cash inflow (EBTDA) contribution from the business ** Pro forma 31 December 2026 balance of A$3 million ignores the immediately available liquidity from borrowings facility, which was A$4.9 million at 31 December 2025

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24 February 2026

H1 FY26 Group cash flow

Reconciliation from profit/(loss) for the period to operating cash flow

A$’M	H1 FY26	H1 FY25	$+/-	%+/-
Net cash inflow/(outflow) from operating activities	0.1	(0.5)	+0.6	+120%
Net cash outflow from loan book / firm funding	-	0.4	-0.4	-100%
STATUTORY NET OPERATING CASH FLOW	0.1	(0.1)	+0.2	+200%
NET CASH INFLOW / (OUTFLOW) FROM INVESTING ACTIVITIES	33.7	(0.3)	+34.0	+11k %
Net equity raising proceeds	0.4	0.3	+0.1	+33%
Payment of capital return to shareholders	(28.5)	-	-28.5	-
Net borrowings/facility (repayments)/proceeds	(3.8)	2.1	-5.9	-281%
Other	(0.2)	(0.5)	+0.3	+60%
NET CASH (OUTFLOW) / INFLOW FROM FINANCING ACTIVITIES	(32.1)	1.9	**-34.0 **	-1,789%
NET CHANGE IN CASH BEFORE FOREIGN EXCHANGE	+1.7	+1.5	+0.2	+13%

A$’M	H1 FY26	H1 FY25	$+/-	%+/-
Profit/(loss) for the period	36.4	(1.2)	+37.6	+3,133%
Non-cash expenses	(35.0)	1.4	-36.4	-2,600%
Movement in other operating assets and liabilities	(1.3)	(0.7)	-0.6	-86%
OPERATING CASH FLOW BEFORE LOAN BOOK GROWTH FUNDING AND PAYMENT PROCESSING MOVEMENTS	0.1	(0.5)	+0.6	+120%
Change in lending working capital	(2.5)	(7.8)	-5.7	-70%
Change in payment processing working capital	2.5	8.2	+5.3	+68%
STATUTORY NET OPERATING CASH FLOW	0.1	(0.1)	**+0.2 **	+200%

Operating cash flow improvement of A$0.2 million:

• • Improvement in net cash outflow from operating activities of +A$0.6 million
• • Loan and payment processing cashflow down A$0.4 million on H1 FY25, comprising:
• • Loan book-related cashflow down A$5.7m due to loan book growth; payment processing-related: up A$5.3m (timing-related)

Proceeds of sale deployed on capital return and debt reduction: investing + financing cash flow positive A$1.6 million

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H2 FY26 OUTLOOK

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Proposed Dividend of 0.5c per share (approximately A$1.9m)

• • QuickFee proposes an Interim Dividend for the half-year ended 31 December 2025 (H1 FY26) of 0.5c per share, partially franked at 27%.

DIVIDEND DETAILS
Approximate number of Shares to participate in the dividend	380 million
Dividend per share	0.5 cents
Franking credits available	$128,399
Partial franking percentage	27%
Total approximate dividend payment	$1.9 million

TIMETABLE
Announcement date	Tuesday, 24 February 2026
Ex-date	Tuesday, 3 March 2026
Record date	Wednesday, 4 March 2026
Dividend payment date	Wednesday, 18 March 2026

• • In accordance with its updated capital management policy to make cash shareholder distributions of a minimum of 1c per share per annum, we expect to pay a 0.5c per share final dividend for FY26, subject to the usual tests
• • Furthermore, we expect to distribute a further special dividend of approximately 1c per share in the last quarter of 2026 following the receipt of escrowed funds, free cash flow generation and further refinement of capital needs of the business

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Outlook

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Singular management focus on growing Finance in both AU and US

• • Streamlined back-office processes
• • Leverage experience and success in AU into US
• • Aiwyn reseller agreement opportunity
• • Sole product focus for staff commissions
• • Negligible product development and capex requirements moving forward

Dividends

• • Expected final FY26 dividend
• • Expected special dividend of approximately 1c per share in Q4 CY26 from the balance of sale proceeds

Continue to consider other potential inorganic opportunities

Expected FY26 EBTDA in the range of $3.75 - $4.25 million (before profit on sale)

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QUESTIONS

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CONTACT DETAILS

Simon Yeandle, CFO

p: +61 2 8090 7700 e: simon.yeandle@quickfee.com p: +61 455 502 197 e: kmackenzie@belleviewir.com.au

Katie Mackenzie, Investor Relations

To post any questions or feedback on this presentation, we encourage investors to sign up to the QuickFee investor hub at investorhub.quickfee.com/auth/signup

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Disclaimer

The material contained in this document has been prepared by QuickFee Limited ACN 624 448 693 (‘company’) and contains general information about the company’s activities current as at the date of this presentation (24 February 2026). By accepting this document, you agree to be bound by the below terms and conditions.

This presentation is provided in summary and does not purport to be complete and is intended to be read in conjunction with the company’s other announcements to ASX. The information contained in this presentation is not intended to be relied upon as advice to current shareholders or investors as it does not take into account the investment objectives, financial position or needs of any particular shareholder or investor. Shareholders and investors should assess their own individual financial circumstances and consider talking to a financial adviser or consultant before making any investment decision.

This presentation may contain forward looking statements including statements regarding our intent, belief or current expectations with respect to the company’s businesses and operations, market conditions, results of operation and financial condition, capital adequacy, specific provisions and risk management practices. Such statements involve known and unknown risks, uncertainties, assumptions, and readers are cautioned not to place undue reliance on these forward-looking statements. No representation is made as to the accuracy, completeness or reliability of the presentation

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QuickFee does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events. None of the company, its subsidiaries, nor their respective directors, officers, employees, contractors or agents accepts responsibility for any loss or damage resulting from the use of or reliance on this presentation by any person. While due care has been used in the preparation of forecast information, actual results, performance or achievements may vary in a materially positive or negative manner from those expressed or implied by such statements. Forecasts and hypothetical examples are subject to uncertainty and contingencies outside QuickFee’s control.

Past performance is not a reliable indication of future performance and no guarantee of future returns is implied or given. Some of the information in this presentation is based on unaudited financial data which may be subject to change.

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APPENDIX

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Credit facilities as at 31 December 2025

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Viola credit facility

• • A$68 million committed facility.
• • Optional expansion to A$118 million (subject to approval)
• • Drawn to A$47.6 million at 31 December 2025
• • Interest margin of 6.5% plus BBSW
• • Secured against US & AU loan receivables
• • Advance rate 94% (average)
• • Maturity June 2028

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Fancourt term loan

• • A$5 million drawn
• • Interest margin of 10% plus BBSW
• • Secured against parent company
• • Maturity December 2028

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Reconciliation of segment results to group results

A$’000	H1 FY26	H1 FY25
AU EBTDA	1,951	2,113
US EBTDA BEFORE PROFIT ON SALE	1,293	771
SEGMENT EBTDA	3,244	2,884
UNALLOCATED OTHER INCOME	158	-
UNALLOCATED GENERAL & ADMINISTRATIVE EXPENSES	(668)	(601)
PRODUCT DEVELOPMENT EXPENSES	(671)	(1,875)
SHARE-BASED PAYMENTS	(37)	(84)
REPORTED GROUP EBTDA BEFORE PROFIT ON SALE	2,026	324
PROFIT ON SALE RECORDED IN US	15,173	-
PROFIT ON SALE RECORDED IN AUSTRALIAN PARENT	20,437	-
GROUP EBTDA PER INTERIM REPORT SEGMENT NOTE discontinued 1b	37,636	324

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Historical metrics - US

TOTAL TRANSACTION VOLUMES (TTV)	FY23	FY23	FY23	FY23	FY23	FY23	FY23	FY24	FY24	FY24	FY24	FY24	FY24	FY24	FY25	FY25	FY25	FY25	FY25	FY25	FY25	FY26	FY26	FY26
	Q1	Q2	H1	Q3	Q4	H2	FY23	Q1	Q2	H1	Q3	Q4	H2	FY24	Q1	Q2	H1	Q3	Q4	H2	FY25	Q1	Q2	H1
PROFESSIONAL SERVICES PAY NOW ACH CARD TOTAL PAY NOW VOLUME FINANCING 'PAY LATER' VOLUME AVERAGE TRANSACTION SIZE / A VERAGEO RDER V ALUE ACH AOV CARD AOV FINANCING AOV OTHER TRANSACTIONAL METRICS TOTAL FINANCE PAYMENT PLANS ORIGINATED IN PERIOD (#000S) ACTIVE FINANCE FIRMS IN PERIOD (#S) PROFESSIONAL SERVICES FINANCING METRICS $ WEIGHTED AVERAGE LOAN TERM (MONTHS) AVERAGE FLAT INTEREST RATE ON NEW LOANS AVERAGE APR ON NEW LOANS IN PERIOD	US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M US$M 200 252 452 212 289 501 953 219 298 517 251 360 611 1,128 254 325 579 288 393 681 1,260 227 - 227 42 54 96 51 64 115 211 49 60 109 56 72 128 237 55 71 126 62 79 141 267 45 - 45
	242 306 548 263 353 616 1,164 268 358 626 307 432 739 1,365 309 396 705 350 472 822 1,527 272 - 272
	4.8 5.3 10.1 5.0 5.8 10.8 20.9 5.9 7.7 13.6 6.8 6.3 13.1 26.7 6.7 10.0 16.7 7.6 4.8 12.4 29.1 4.8 6.3 11.1 US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ 2,564 2,803 2,684 2,368 2,332 2,302 2,487 2,530 2,986 2,793 2,336 2,405 2,386 2,551 2,674 3,009 2,862 2,483 2,549 2,522 1,664 2,838 - - 1,780 1,963 2,609 1,587 1,582 1,564 1,719 1,779 2,121 1,967 1,666 1,628 1,647 1,790 1,719 1,919 1,832 1,548 1,533 1,533 1,658 1,731 - - 10,802 9,746 10,222 9,845 10,634 10,240 10,239 11,437 11,008 11,194 10,749 9,878 1,0314 10,741 12,294 16,750 14,962 12,358 8,027 10,681 13,138 9,938 11,014 10,549 448 546 994 505 546 1,051 2,045 516 695 1,211 629 636 1,265 2,476 545 597 1,142 615 598 1,213 2,355 483 572 1,055 170 184 239 181 170 274 300 172 181 232 FY22 FY23 FY24 FY25 H1 FY26 LOAN BOOK BALANCE (GROSS RECEIVABLES LESS EXPECTED CREDIT LOSSES AND UNEARNED INTEREST) US$M Dec-20 Jun-21 Dec-21 Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Dec-25 9.4 9.7 9.7 9.4 8.8 6.0 5.2 5.8 6.7 7.4 8.1 10.2 9.9 13.4 7.5 7.9 7.4% 9.1% 10.3% 10.0% 9.3% 19.9% 21.9% 24.6% 26.1% 25.1%

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US product profitability

	ACH	Card	Finance	CONNECT	Total
US$000s except volume	H1 FY26 H1 FY25	H1 FY26 H1 FY25	H1 FY26 H1 FY25	H1 FY26 H1 FY25	H1 FY26 H1 FY25
Volume US$ M	227 579	45 126	11.1 16.7		283.1 721.7
Financing revenue (interest)	- -	- -	1,011 1,313	- -	1,011 1,313
Payments and other revenue	792 2 089	201 223	105 85	110 17	1,208 2,414
Total revenue	792 2,089	223 223	1,116 1,398	110 17	2,219 3,727
Total revenue/volume yield %	0.35% 0.36%	0.45% 0.18%	10.1% 8.4%	- -	0.78% 0.52%
Direct processing costs	(39) (124)	- -	- -	(7) -	(46) (124)
Transaction losses and bad debt charge-offs	- -	- -	- (13)	- -	- (13)
Net Transaction Margin (NTM)	753 1,965	201 223	1,116 1,385	103 17	2,173 3,590
NTM/Revenue %	95.1% 94.1%	100.0% 100.0%	100.0% 99.1%	93.6% 100%	97.9% 96.3%
Platform, credit check and credit staff costs	(13) (45)	(3) (6)	(91) (137)	(2) (13)	(109) (201)
Interest expense	- -	- -	(368) (788)	- -	(368) (788)
Gross Margin	740 1,920	198 217	657 460	101 4	1,696 2,601
Gross Margin/Revenue %	93.4% 91.9%	98.5% 97.3%	58.9% 32.9%	91.8% 23.5%	76.4% 69.8%

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Historical metrics - AU

TOTAL TRANSACTION VOLUMES (TTV)	FY23	FY23	FY23	FY23	FY23	FY23	FY23			FY24	FY24	FY24	FY24	FY24	FY24	FY25	FY25	FY25	FY25	FY25	FY25	FY25	FY26	FY26	FY26
	Q1	Q2	H1	Q3	Q4	H2	FY23	Q1	Q2		H1	Q3	Q4	H2	FY24	Q1	Q2	H1	Q3	Q4	H2	FY25	Q1	Q2	H2
PROFESSIONAL SERVICES PAY NOW EFT CARD TOTAL PAY NOW VOLUME FINANCING 'PAY LATER' VOLUME BNPL / Q PAY PLAN AVERAGE TRANSACTION SIZE / A VERAGEO RDER V ALUE EFT AOV CARD AOV FINANCING AOV OTHER TRANSACTIONAL METRICS TOTAL TRANSACTION NUMBERS IN PERIOD (#000S) ACTIVE FIRMS IN PERIOD (#S) PROFESSIONAL SERVICES FINANCING METRICS $ WEIGHTED AVERAGE LOAN TERM (MONTHS) AVERAGE FLAT INTEREST RATE ON NEW LOANS AVERAGE APR ON NEW LOANS IN PERIOD	A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M A$M 4 5 9 4 5 9 18 6 6 12 5 7 12 24 7 8 15 6 9 15 30 9 9 18 10 10 20 10 14 24 44 12 13 25 11 16 27 52 15 14 29 14 20 34 63 18 17 35
	14 15 29 14 19 33 62 18 19 37 16 23 39 76 22 22 44 20.0 29.0 49.0 93.0 27 26 53
	8.9 11.7 20.6 10.9 14.9 25.8 46.4 11.0 14.4 25.4 13.1 17.0 30.1 55.5 15.6 16.1 31.7 14.1 17.9 32.0 63.7 15.6 15.0 30.6 0.4 0.4 0.8 0.5 0.4 0.9 1.7 0.6 0.8 1.4 0.9 1.1 2.0 3.4 1.2 1.6 2.8 1.6 1.6 3.2 6.0 1.6 1.1 2.7 A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ 869 1,011 935 1,167 1,238 1,203 1,058 964 1,095 1,030 1,203 1,295 1,257 1,128 1,031 1,251 1,148 1,269 1,397 1,346 1,247 1,043 1,245 1,144 1,341 1,568 1,447 1,698 1,827 1,763 1,604 1,445 1,667 1,560 1,738 1,827 1,791 1,665 1,450 1,519 1,483 1,776 1,790 1,784 1,646 1,459 1,663 1,558 7,695 9,701 8,677 6,501 7,684 7,122 7,788 5,589 7,682 6,664 6,726 7,574 7,226 6,903 8,176 8,156 8,166 8,413 7,872 8,093 8,127 8,062 7,009 7,546 14 13 23 12 14 21 39 13 17 28 15 20 29 51 19 18 37 15 20 35 72 23 20 43 397 410 464 409 424 470 525 406 423 470 411 477 479 530 431 437 487 427 490 491 543 440 438 490 FY22 FY23 FY24 FY25 H1 FY26 LOAN BOOK BALANCE (GROSS RECEIVABLES LESS EXPECTED CREDIT LOSSES AND UNEARNED INTEREST) US$M Dec-20 Dec-20 Jun-21 Dec-21 Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Dec-25 11.5 11.2 11.3 11.8 11.2 18.7 18.7 19.1 20.2 23.2 25.3 31.0 33.0 40.4 42.8 47.2 49.0 8.7% 10.1% 11.6% 11.9% 11.1% 21.8% 22.7% 25.4% 25.7% 24.7%

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AU product profitability

	EFT & card	Financing	BNPL	Total
A$000s except volume	H1 FY26 H1 FY25	H1 FY26 H1 FY25	H1 FY26 H1 FY25	H1 FY26 H1 FY25
Volume A$ M	53 44	30.6 31.7	2.7 2.8	86.3 78.5
Financing revenue (interest)	- -	5,430 4,944	275 191	5,705 5,135
Payments and other revenue	486 493	493 410	66 50	1,045 953
Total revenue	486 493	5,923 5,354	341 241	6,750 6,088
Total revenue/volume yield %	0.9% 1.1%	19.4% 16.9%	12.6% 8.6%	7.8% 7.8%
Direct processing costs	(398) (484)	(219) (14)	(35) (22)	(652) (520)
Transaction losses and bad debt charge-offs	- -	- 6	- -	- 6
Net Transaction Margin (NTM)	88 9	5,704 5,346	306 219	6,098 5,574
NTM/Revenue %	18.1% 1.8%	96.3% 99.8%	89.7% 90.9%	90.3% 91.6%
Platform, credit check and credit staff costs	- -	(428) (321)	(9) (6)	(437) (327)
Interest expense	- -	(1,856) (1,473)	(170) (130)	(2,026) (1,603)
Gross Margin	88 9	3,420 3,552	127 83	3,635 3,644
Gross Margin/Revenue %	18.1% 1.8%	57.7% 66.3%	37.2% 34.4%	53.9% 59.9%

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Glossary

ACH	Automated Clearing House	A type of electronic bank-to-bank payment in the US, equivalent to EFT in Australia
ACTIVE FIRM	Any firm that has had a transaction with QuickFee in the relevant period
APR	Annual percentage rate	The annual rate of interest on payment plans or loans
AVERAGE LOAN BOOK	Calculated as the average of the gross loan receivables owing, less future unearned interest, less expected credit loss provision, at the start and end of any period
BNPL OR Q PAY PLAN	BNPL powered by QuickFee	Quick ee’s ‘ uy ow, ay ater’ product to enable a customer to pay their invoice in -12 instalments using the unused balance of their credit card
CARD / CC	Credit card
CONNECT	Quick ee’s product name for its point-of-payment integration, e-invoicing, automated collections and receivables management product
CUSTOMER / CLIENT	The customer of a merchant, who will use one of Quick ee’s payment options to pay their invoice
EFT	Electronic funds transfer	An Australian domestic payments network that facilitates the transfer of funds electronically
FIRM	Typically used to describe a professional services firm (e.g. an accounting or law firm)
INTEREST REVENUE YIELD (APR)	Interest revenue recognised in the relevant period, divided by the average loan book balance for the same period, expressed as a percentage
INTEREST EXPENSE / AVERAGE LOAN BOOK	Interest expense payable on borrowings supporting the loan books recognised in the relevant period, divided by the average loan book balance for the same period, expressed as a percentage
NET INTEREST MARGIN (NIM)	[ Interest revenue yield (APR) ] less [ Interest expense / average loan book ], expressed as a percentage
GROSS TRADING MARGIN (GTM)	Gross Trading Margin is calculated as Gross rofit per Quick ee’s audited financial statements, less bad debt write-offs (which are included in general and administrative expenses)
KYC	Know your customer	Practice to verify the identity of customers in compliance with laws and regulations
QUICKFEE / FINANCE/ LENDING/ PAY OVER TIME	Quick ee’s traditional merchant-guaranteed fee funding product that enable customers to take out a payment plan to pay their invoice, while QuickFee settle to the merchant immediately
QUICKFEE PAY NOW	Quick ee’s payment gateway that enables customers to pay their invoice in full to the merchant with or without taking out a payment plan
REVENUE YIELD	Revenue recognised in accordance with Quick ee’s accounting standards, divided by TTV, for the relevant product(s)
TOTAL LIQUIDITY	ash and cash equivalents held, plus undrawn borrowings that are available to be drawn from Quick ee’s asset-backed credit facility based on the quantum of eligible loan receivables.
TRANSACTIONS IN QUARTER	The aggregate number of completed Pay Now transactions and new Finance loans (payment plans) originated in the relevant quarter.
TTV	Total transaction value	The total value of all transactions for the relevant product(s)
PCP	Previous corresponding period	For example, the pcp for the December 2026 quarter is the December 2025 quarter

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