Announcement PDF QUICKFEE H1 FY26 RESULTS 24 February 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle 24 February 2026 www.quickfee.com 1 QuickFee is a market leader in the high- margin, B2B fee- funding industry for accounting and legal professions across Australia and the US To learn more about QuickFee, please visit our Investor Hub: www.investorhub.quickfee.com/activity-updates/quickfee-about-us www.quickfee.com 2 WE HELP FIRMS Reduce A/R A/R typically runs high for firms, and we can help turn that A/R into cash Grow the Business There are many priorities competing for cash, and we help find more of it for firms and their clients OUR SOLUTIONS Pay Now | EFT + Card (AU only) Secure digital payments platform for accounting and professional service firms Pay Over Time | QuickFee Finance Exclusive invoice and fee financing for clients to pay over 3,6,9 or 12-months Disbursement funding Helping law firms pay disbursements related to personal injury and disputed estates matters B2B FINANCE + Designed specifically for professional service firms + No invoice maximum for QuickFee Finance + Finance product is B2B only, no consumer credit regulations TRUSTED FOR PAYMENTS AND FINANCING SOLUTIONS SINCE 2009: 720+ PROFESSIONAL SERVICES FIRMS CURRENTLY FINANCED WORLDWIDE $750M LOANS ORIGINATED SINCE INCEPTION OVER TARGET MARKET: PROFESSIONAL SERVICES FIRMS OVER $1M IN ANNUAL REVENUE QuickFee helps professional services firms accelerate collection of accounts receivable, get paid faster and grow their business. 24 February 2026 Targeting Accounting and Legal verticals 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) + 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 + 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 www.quickfee.com 3 24 February 2026 H1 FY26 Results Overview Return to core operations delivers underlying revenue growth1, positive NPAT and interim dividend www.quickfee.com 4 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. EARNINGS GUIDANCE FY26 EBTDA in the range of $3.75 - $4.25 million H1 FY26 PERFORMANCE (A$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 24 February 2026 Underlying revenue up 4% at attractive net interest margin www.quickfee.com 5 A$8.2M** A$8.5M** A$3.5M* A$1.7M* H1 FY25 H1 FY26 UNDERLYING REVENUE vs PCP + 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 + H1 FY26 normalised revenue up 4% on normalised pcp 13.0% 13.3% 13.3% 13.7% 14.1% 14.4% 14.6% 14.6% 14.8% 15.0% Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS) LAST 12 MONTHS NET INTEREST MARGIN 24 February 2026 H1 FY26 Highlights www.quickfee.com 6 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) + Core operations deliver attractive net interest margin of 15% + Structurally profitable operations with low product development and capex requirements 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 + 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 + 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 24 February 2026 Structurally profitable operations with positive EBTDA & NPAT www.quickfee.com 7 + 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 $0.8 million, the first ever positive NPAT result NPAT BY HALF-YEAR (A$M) EBTDA BY HALF-YEAR (A$M) OPERATING EXPENSES BY HALF-YEAR (A$M) -2.7 -0.5 0.3 2.1 2.0 H1 FY24 H2 FY24 H1 FY25 H2FY25 H1 FY26 8.4 7.4 7.3 6.6 4.4 H1 FY24 H2 FY24 H1 FY25 H2FY25 H1 FY26 24 February 2026 -3.4 -1.3 -1.2 -3.0 0.8 H1 FY24 H2 FY24 H1 FY25 H2FY25 H1 FY26 AUSTRALIA: REVENUE GROWTH CONTINUES Solid performance in AU www.quickfee.com 9 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 *EBTDA = statutory EBITDA less interest expense on loan book borrowings Unallocated and Product development expenses are not included in the above segment results. 24 February 2026 UNITED STATES: SINGULAR FOCUS AND RESELLER CHANNEL US: Structurally profitable www.quickfee.com + 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 $1.3m, before profit on sale of US Pay Now business indicates a transition to structurally profitable operations in the US. * Excluding one-off credit loss provision expense of US$ 2.2 million (A$ 3.4 million) **EBTDA = statutory EBITDA less interest expense on loan book borrowings. Unallocated and Product development expenses are not included in the above segment results. 11 US Financial Performance A$’M H1 FY26 H1 FY25 %+/- Finance (Pay Over Time) revenue 1.7 2.1 -19% Pay Now (ACH + Card) revenue 1.5 3.5 -57% Connect (software) revenue 0.2 - - TOTAL US REVENUE 3.4 5.6 -39% Interest on loan book borrowings (0.6) (1.1) -45% Other cost of sales (0.2) (0.5) -60% GROSS PROFIT 2.6 4.0 -35% Gross margin % 76% 71% +500bps Operating expenses (1.3) (3.2) -59% EBTDA* BEFORE PROFIT ON SALE OF US PAY NOW BUSINESS 1.3 0.8 +63% 24 February 2026 H1 FY26 FINANCIAL HIGHLIGHTS Statutory Group profit & loss www.quickfee.com 13 *EBTDA = statutory EBITDA less interest expense on loan book borrowings Financial Performance A$’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 (0.6) (1.1) -0.5 -45% Customer acquisition costs (0.6) (1.3) -0.7 -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 % + 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 24 February 2026 1.9 1.8 0.7 0.1 H1 FY25 H2FY25 H1 FY26 H1 FY26 N PRODUCT DEVELOPMENT 1.3 0.9 0.6 0.3 H1 FY25 H2FY25 H1 FY26 H1 FY26 N CUSTOMER ACQUISITION 1.1 0.8 0.6 0.6 H1 FY25 H2FY25 H1 FY26 H1 FY26 N SELLING & MARKETING Structural reduction in operating expenses www.quickfee.com 14 + Reported operating expenses decreased 40% on pcp to A$4.4 million (H1 FY25: A$7.3 million) + 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 $0.1m in H1 FY26. + Expected opex to remain broadly in line with normalised H1 FY26 levels moving forward OPERATING EXPENSES BY HALF-YEAR (A$M) 3.0 3.1 2.5 2.1 H1 FY25 H2FY25 H1 FY26 H1 FY26 N GENERAL & ADMINISTRATIVE 7.3 6.6 3.1 3.1 1.3 H1 FY25 H2FY25 H1 FY26 H1 FY26 N OPERATING EXPENSES BY HALF-YEAR (A$M) 24 February 2026 NORMALISED / ONGOING OPEX Underlying Group profit & loss www.quickfee.com 15 *EBTDA = statutory EBITDA less interest expense on loan book borrowings Financial Performance (H1 FY26 underlying) A$’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 1.3 Less: cost of sales (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 24 February 2026 + 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 summer, AU start of financial year + Q3: US tax season runs 1 January – 15 April, AU summer break + Q2: US lead-up to 1 January tax season, AU lead up to summer break + Q4: US out of tax season and billing backlog, AU lead up to EOFY Group balance sheet www.quickfee.com 16 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% + 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$49.9 million AU LOAN BOOK US LOAN BOOK 24 February 2026 Cash and liquidity breakdown www.quickfee.com 17 A$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’ OTHER DEPOSITS HELD BY THIRD PARTIES (IN OTHER CURRENT ASSETS AND DEPOSITS) 1.8 - +1.8 Held by QuickFee’s US card processor as security for customer non- solicitation commitments (non-cash provision of $1.5m in liabilities). To be received at A$75,000 per month from September 2026 to August 2028. BORROWINGS HEADROOM (NOT ON BALANCE SHEET) DEBT FACILITY HEADROOM BASED ON CURRENT LOAN BOOK 4.9 0.2 +4.7 This represents the amount available to draw today to take borrowings to the maximum permitted advance rate (95% of receivables). 24 February 2026 Cash movements www.quickfee.com 18 H1 FY26 CASH MOVEMENT A$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 24 February 2026 * 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$4.9 million at 31 December 2025 H1 FY26 Group cash flow www.quickfee.com 19 A$’M H1 FY26 H1 FY25 $+/- %+/- Net cash inflow/(outflow) from operating activities 0.1 (0.5) +0.6 +120% Net cash outflow from loan book / firm funding - 0.4 -0.4 -100% STATUTORY NET OPERATING CASH FLOW 0.1 (0.1) +0.2 +200% NET CASH INFLOW / (OUTFLOW) FROM INVESTING ACTIVITIES 33.7 (0.3) +34.0 +11k % Net equity raising proceeds 0.4 0.3 +0.1 +33% Payment of capital return to shareholders (28.5) - -28.5 - Net borrowings/facility (repayments)/proceeds (3.8) 2.1 -5.9 -281% Other (0.2) (0.5) +0.3 +60% NET CASH (OUTFLOW) / INFLOW FROM FINANCING ACTIVITIES (32.1) 1.9 -34.0 -1,789% NET CHANGE IN CASH BEFORE FOREIGN EXCHANGE +1.7 +1.5 +0.2 +13% Reconciliation from profit/(loss) for the period to operating cash flow A$’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 24 February 2026 H2 FY26 OUTLOOK Proposed Dividend of 0.5c per share (approximately A$1.9m) www.quickfee.com 21 + 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 + 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 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 24 February 2026 Outlook www.quickfee.com 22 24 February 2026 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) QUESTIONS CONTACT DETAILS Simon Yeandle, CFO p: +61 2 8090 7700 e: simon.yeandle@quickfee.com Katie Mackenzie, Investor Relations p: +61 455 502 197 e: kmackenzie@belleviewir.com.au 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 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 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. APPENDIX Credit facilities as at 31 December 2025 www.quickfee.com 27 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 Fancourt term loan + A$5 million drawn + Interest margin of 10% plus BBSW + Secured against parent company + Maturity December 2028 24 February 2026 Reconciliation of segment results to group results www.quickfee.com 28 A$’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 24 February 2026 Historical metrics - US www.quickfee.com 29 FY23 FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) 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 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 PAY NOW ACH 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 CARD 42 54 96 51 64 115 211 49 60 109 56 72 128 237 55 71 126 62 79 141 267 45 - 45 TOTAL PAY NOW VOLUME 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 FINANCING 'PAY LATER' VOLUME 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 AVERAGE TRANSACTION SIZE / AVERAGE ORDER VALUE US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ ACH AOV 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 - - CARD AOV 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 - - FINANCING AOV 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 OTHER TRANSACTIONAL METRICS TOTAL FINANCE PAYMENT PLANS ORIGINATED IN PERIOD (#000S) 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 ACTIVE FINANCE FIRMS IN PERIOD (#S) 170 184 239 181 170 274 300 172 181 232 PROFESSIONAL SERVICES FINANCING METRICS 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 $ WEIGHTED AVERAGE LOAN TERM (MONTHS) 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 AVERAGE FLAT INTEREST RATE ON NEW LOANS 7.4% 9.1% 10.3% 10.0% 9.3% AVERAGE APR ON NEW LOANS IN PERIOD 19.9% 21.9% 24.6% 26.1% 25.1% 24 February 2026 US product profitability www.quickfee.com 30 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% 24 February 2026 Historical metrics - AU www.quickfee.com 31 FY23 FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) 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 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 PAY NOW EFT 4 5 9 4 5 9 18 6 6 12 5 7 12 24 7 8 15 6 9 15 30 9 9 18 CARD 10 10 20 10 14 24 44 12 13 25 11 16 27 52 15 14 29 14 20 34 63 18 17 35 TOTAL PAY NOW VOLUME 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 FINANCING 'PAY LATER' VOLUME 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 BNPL / Q PAY PLAN 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 AVERAGE TRANSACTION SIZE / AVERAGE ORDER VALUE A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ A$ EFT AOV 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 CARD AOV 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 FINANCING AOV 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 OTHER TRANSACTIONAL METRICS TOTAL TRANSACTION NUMBERS IN PERIOD (#000S) 14 13 23 12 14 21 39 13 17 28 15 20 29 51 19 18 37 15 20 35 72 23 20 43 ACTIVE FIRMS IN PERIOD (#S) 397 410 464 409 424 470 525 406 423 470 411 477 479 530 431 437 487 427 490 491 543 440 438 490 PROFESSIONAL SERVICES FINANCING METRICS 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 $ WEIGHTED AVERAGE LOAN TERM (MONTHS) 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 AVERAGE FLAT INTEREST RATE ON NEW LOANS 8.7% 10.1% 11.6% 11.9% 11.1% AVERAGE APR ON NEW LOANS IN PERIOD 21.8% 22.7% 25.4% 25.7% 24.7% 24 February 2026 AU product profitability www.quickfee.com 32 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% 24 February 2026 Glossary www.quickfee.com 33 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 t