Hub24 Limited · ASX:HUB
Hub24 — Investor Day (November 2025)
59 slides from Hub24's investor day presentation, Nov 27, 2025
Slide 1: HUB24 Investor Strategy Day (ASX Release)
ASX Release: 27 November 2025 HUB24 Investor Strategy Day HUB24 Limited (ASX: HUB) is holding its Investor Strategy Day today at 10.00am (AEDT) where the Group Executive team will provide an update on our strategy. A copy of the presentation is attached. The presentation will be streamed live and ca
Slide 2: Investor Strategy Day
Empowering better financial futures, together. Investor Strategy Day 27 November 2025
Slide 3: Welcome & Strategic Overview
Welcome & Strategic Overview Andrew Alcock Managing Director & Chief Executive Officer
Slide 4: Empowering better financial futures, together.
Empowering better financial futures, together. 3
Slide 5: Leveraging our capabilities to lead industry change
Leveraging our capabilities to lead industry change Lead today To enhance productivity for ce Ap Delivering customer value and ir en pli c financial professionals through growth e p at ex ion One way of doing business with nt s Create tomorrow Clie access to market-leading solutions 1 Creating integ
Slide 6: Continued market leadership and growth across platform and technology businesses
Continued market leadership and growth across platform and technology businesses HUB24 Platform Class, NowInfinity & myprosperity Australia’s Leading platform #1 NPS & Actual #1 managed accounts Largest increase 30.5% SMSF software best platform 1 across HNW, mass Advocacy for all capability1 in FY2
Slide 7: Delivering on our strategy
Delivering on our strategy 2017 Agility acquisition Our progress since our last strategy day Significant growth in HUB24 Private Invest Launched Engage, Completed an Delivered further 2018 HUB24 Discover launched and the next evolution of upgrade of capability to enhance Innovation Lab (now over $2b
Slide 8: Uniquely positioned to capitalise on structurally growing markets and industry transformation
Uniquely positioned to capitalise on structurally growing markets and industry transformation Strong growth driven With industry dynamics providing by structural tailwinds opportunities to further enable our customers Separation of aligned advisers to private licensees and Increasing emergence of l
Slide 9: Shareholder value through leading today and creating tomorrow
Shareholder value through leading today and creating tomorrow Creating additional shareholder Strong growth outlook in existing established businesses value through tech solutions HUB24 Platform Class & NowInfinity Technology & data solutions Market leadership with significant Delivering consistent
Slide 10: Leading executive team with depth of experience
Leading executive team with depth of experience Andrew Amy Craig Deborah Jason Kitrina Paul Tim Alcock Rixon Lawrenson Latimer Entwistle Shanahan Biggs Steele Managing Chief People Chief Operating Chief Risk Officer Director, Strategic Chief Financial Chief Product Chief Executive Director & Chief O
Slide 11: Agenda
Agenda Welcome & Group Strategy Platform 01 Strategic Overview 02 03 Andrew Alcock Jason Entwistle Craig Lawrenson Managing Director & Chief Director, Strategic Development Chief Operating Officer Executive Officer Class & Financial Update Wrap Up and Q&A 04 NowInfinity 05 06 Tim Steele Kitrina Shan
Slide 12: Group Strategy
Group Strategy Jason Entwistle Director, Strategic Development
Slide 13: Technology can help deliver productivity
Technology can help deliver productivity More demand for advice Ongoing industry Lack of integrated than the industry can deliver transformation technology 2.7m 101 36% Data integration and quality continue to challenge Australians seeking advice1 recurring clients per adviser advisers indicate they
Slide 14: Hub Balances!
Hub Balances! ie 26
Slide 15: It all comes down to data.
It all comes down to data. HUB”
Slide 16: HUB24's connected ecosystem redefining advice productivity
Client experience Applications1 HUB24’s connected ecosystem redefining advice productivity Data & HUB24 infrastructure Platform 1. HUBconnect applications refers to Broker and Licensee. 15
Slide 17: myprosperity transforming client engagement & experience
myprosperity transforming client engagement & One platform, experience two interfaces Client services Partner services Client engagement Security 16
Slide 18: myhub ecosystem – accessible via new partner portal
myhub ecosystem – accessible via new partner portal One user login Seamless access to connect to applications Natural language prompt Fully customisable dashboard HUBconnect Licensee HUBconnect Broker myprosperity portal Virtual Mail Room External Partners HUB24 Platform management NowInfinity AI To
Slide 19: myhub – designed to transform adviser productivity
myhub – designed to transform adviser productivity AI + Human Intelligence Partner Portal Driving productivity gains Single-point access to HUB24 and external Client Portal partner applications Underpinned by quality data Collaborate, consent and customise content for clients Client engagement Secur
Slide 20: Demonstration of myhub
Demonstration of myhub One way of Single view Efficient access to Flexibility Reporting doing business of wealth ecosystem partners & visibility & insights 19
Slide 21: Competitive advantage driving long term growth
HUBconnect Licensee Competitive advantage driving long term growth Source documents and data Classified over Drawing structured Machine Learning Document Classifier 24 million1 and unstructured documents such as data from • Statements of Advice • Planning software • Accounting systems Data Extractor
Slide 22: Underpinned by responsible data use and security
Underpinned by responsible data use and security How we deliver … Structured cyber framework & controls Protect integrity of Protect data and use it Responsible use AI governance framework responsibly Structured AI maturity model and controls aligned to regulations Trusted access to data Trusted par
Slide 23: myhub under development with target launch in FY27
myhub under development with target launch in FY27 1HFY26 2HFY26 1HFY27 Prototype Beta testing Pilot Co-design with financial Gather early feedback Live with select clients professionals 22
Slide 24: Clear strategy for growth
Clear strategy for growth myhub ecosystem Delivering innovative Emerging technology HUB24 ideally driving competitive solutions that help has the power to positioned to advantage and solve productivity transform advice benefit enabling industry challenges for financial transformation professionals 2
Slide 25: Platform
Platform Craig Lawrenson Chief Operating Officer
Slide 26: HUB24 – Australia's leading platform
HUB24 – Australia’s leading platform …driving strong Our market-leading platform… adviser advocacy $19.8b of net inflows Australia’s best platform and Highest Net Promoter Score HUB24 Platform and HUB24 a company and industry record4 ranked #1 in all segments and #1 for overall satisfaction Super ra
Slide 27: HUB24 positioned to benefit from shift towards single platform usage
HUB24 positioned to benefit from shift towards single platform usage Industry trending towards fewer 36% advisers 2.0 platforms Private equity Investment in platform use a single platform (up used by advisers (down investment technology stacks from 13% in 2021)1 from 2.6 in 2021)1 into advice indust
Slide 28: Significant growth opportunity from new and existing advisers
Significant growth opportunity from new and existing advisers Latent opportunity HUB24 has access through Active advisers using HUB24 relationships to more than 78% Industry average FUA per adviser of the total adviser market1 estimated to be $82m, providing 6,000 5,097 further opportunity for growt
Slide 29: Opportunity larger than the "Platform market"
Opportunity larger than the "Platform market" Clients Platform solutions Industry & seeking for SMSF trustees SMSF market public sector personalised to easily manage (~$1.1t)¹ funds (~$2.3t)¹ solutions their investments Platform market ~$1.3t2 Opportunities with trusts, Non-custody / Demand for endo
Slide 30: Solving adviser and client needs across markets and life stages
Solving adviser and client needs across markets and life stages Starting out Wealth accumulation Wealth drawdown & preservation Private Wealth / HNW / Broker Choice Mass affluent Mass market Managed Portfolios Starting Early Paying Growing Starting Downsizing out career off debt wealth retirement In
Slide 31: Solving adviser and client needs across markets and life stages
Solving adviser and client needs across markets and life stages Starting out Wealth accumulation Wealth drawdown & preservation Private Wealth / HNW / Broker Private Invest (with non-custodial assets) PARS Choice (now with non-custodial assets) Mass affluent Lifetime Retirement Solutions Retirement
Slide 32: HUB24 Discover – Supporting all life stages
HUB24 Discover – Supporting all life stages Cost-effective solution for clients with less complex Discover resonating with customers, needs, accessible through leading HUB24 platform growing to >$2b of FUA since launch Discover FUA $2.5b $2.0b Simplified fee structure Streamlined selection Ability t
Slide 33: Positioned for growth in HNW and Private Wealth
Positioned for growth in HNW and Private Wealth Expanding our addressable markets HUB24 has a range of solutions designed for HNW clients $3.4t 690k HUB24 Broad range of investment options including unlisted HNW assets1 HNW investors and growing1 domestic fixed income, term deposits, direct FX and C
Slide 34: HUB24 Private Invest – designed for HNW clients
HUB24 Private Invest – designed for HNW clients One central place to manage all Combines platform Simplified wholesale Easy onboarding – Fee flexibility One portal with and direct test one application consolidated investments investments and disclosure and interactive document reporting Unregistered
Slide 35: Continuing to expand our retirement solutions
Continuing to expand our retirement solutions Demand for Expected launch from 2HFY26 retirement solutions 68% HUB24 Super Range of Allianz Guaranteed Lifetime Retirement Of Australians say they’re Solutions worried about outliving their account-based annuities Income For Life retirement savings1 pen
Slide 36: Launching Lifetime Retirement Solutions to empower advisers
Launching Lifetime Retirement Solutions to empower advisers to deliver greater retirement confidence HUB24’s Lifetime Designed to pay income Manage longevity Extends HUB24 Backed by trusted No additional Retirement for the life of the client risk product suite brands admin fee on Solutions alongside
Slide 37: Continuing to scale safely while delivering service excellence
Continuing to scale safely while delivering service excellence HUB24 FUA has grown substantially …so too have our operational …and we have scaled safely with over the last 4 years… volumes… customer satisfaction remaining at strong levels Platform FUA Gross inflows +172% +165% +52 Industry leading N
Slide 38: Productivity: Enabling advice strategies
Productivity: Enabling advice strategies Pension recontribution 10k transactions since launch1 strategy: No out of market exposure • Meet a Superannuation condition of release No buy/sell spreads or • Withdraw a lump sum transaction costs from superannuation Transactions completed daily • Recontribu
Slide 39: Productivity: Enabling new business platform transitions
Productivity: Enabling new business platform transitions Gross inflows from transitions in FY25: Significant automation leading to efficiency $7.7b benefits via transitions1 • AI validation of data • Auto-issuance to relevant counterparties • Standardised approach • Improving the speed and • In-buil
Slide 40: Scalable, market leading platform delivering growth and value
Scalable, market leading platform delivering growth and value to customers, industry and shareholders Ongoing innovation to Supporting industry Strong inflows with Leveraging deliver solutions productivity with significant opportunity technology to deliver across the customer continued to continue t
Slide 41: Class & NowInfinity
Class & NowInfinity Tim Steele Chief Executive Officer, Class
Slide 42: Market leading software solutions for accountants
Market leading software solutions for accountants with significant market share and footprint A leading SMSF software provider Fast growing corporate compliance solution >217k >1,600 >883k >5,700 accounts1 firms1 entities1 firms1 Premium offer underpinned by direct 30.5% Used by more than 1 24.4% sh
Slide 43: SMSFs are a significant and growing segment within superannuation market
SMSFs are a significant and growing segment within superannuation market Class data highlights strong growth in SMSFs within Gen X and Millennials and SMSF industry delivering consistent growth lower average balances with establishments accelerating in FY25 at establishment Number of SMSFs1 SMSF Est
Slide 44: Class capabilities are a leader in core markets and critical to the Group
Class capabilities are a leader in core markets and critical to the HUB24 Group strategy Innovating and delivering strong and Class capability contributing to the consistent growth in core markets development of Group solutions Ongoing investment in existing solutions to Class Portfolio and data fee
Slide 45: Class growth underpinned by new and existing solutions
Class growth underpinned by new and existing solutions in core accounting market and emerging markets Volume growth Growing ARPU1 New solutions and Emerging markets partnerships • Exposed to structurally • Pricing strategy • Creating new products • Broker channels growing markets supported by value-
Slide 46: Class is leveraging group capability to create a path for future growth
Class is leveraging group capability to deliver value to clients and create a path for future growth myprosperity for Class Broaden Deepen Extend in extended beta adoption relationships integrations Phased rollout of Connecting solutions Integrating Class Portfolio myprosperity for Class and making
Slide 47: Strong momentum in multi-year program of enhancements
Strong momentum in multi-year program of enhancements to support accountant productivity Capabilities delivered Future priorities Addition of new data feeds, document management & Continuing to automate through data feeds and AI practice automation powered capabilities • Direct-Connect data feeds fr
Slide 48: Delivering more value to clients through innovative solutions leveraging AI
Delivering more value to clients through innovative solutions leveraging AI SMSF Financial reporting tool Intelligent Assistant Intelligent Matching • Dynamic SMSF financial reports video • Voice-enabled assistant that answers • Automatically reconciles cash and natural language questions, surfaces
Slide 49: Class is innovating to extend competitive advantage
Class is innovating to extend competitive advantage and deliver more value to clients Creating the future of Delivering innovative Leveraging Group Class capabilities wealth accounting solutions to help capability to create are a key enabler of administration through support accountant opportunities
Slide 50: Financial Update
Financial Update Kitrina Shanahan Chief Financial Officer
Slide 51: Delivering sustainable growth
Delivering sustainable growth $500m $400m $300m Group $200m Revenue2 Consistently growing revenues with strong outlook 4-YR CAGR $100m • Large growing customer base with significant latent opportunity +38% $0m FY21 FY22 FY23 FY24 FY25 • >5,200 advisers using HUB241 • >6,500 customers across Class an
Slide 52: Platform business continuing to grow and expand margins
Platform business continuing to grow and expand margins $120b $100b $80b Platform $60b FUA $40b 4-YR CAGR $20b +28% $0b FY21 FY22 FY23 FY24 FY25 Strong and sustainable FUA growth • Platform FUA growth underpinned by increasing active advisers $2.0b and higher FUA per adviser $1.5b • Significant oppo
Slide 53: Fast start to FY26 combined with continued investment for growth
Fast start to FY26 combined with continued investment for growth Strong momentum in Q1 FY26 across Continuing to invest to scale and all our businesses capture the growth opportunity Q1 FY26 performance: Group operating expenses are now expected to increase ~18-20% in FY26 driven by: • Platform FUA
Slide 54: Strong balance sheet with capital flexibility
Strong balance sheet with capital flexibility Capital management considerations Dividends (cps) | 4-YR CAGR +54% Underlying Diluted EPS (cps) | 4-YR CAGR +52% Strong operating cashflows • 98% correlation between UEBITDA and operating cashflows in FY25 1 cps Target dividend payout ratio 40-60% of UNP
Slide 55: Wrap Up
Wrap Up Andrew Alcock Managing Director & Chief Executive Officer
Slide 56: Positioned to capitalise on significant growth opportunity
Positioned to capitalise on significant growth opportunity creating long term value for customers and shareholders Operate in large HUB24 Platform Leveraging group Scalable operations structurally growing positioned to capability to deepen delivering profitable markets with strong significantly grow
Slide 57: Questions?
Questions? 56
Slide 58: Contacts
Contacts About HUB24 HUB24 Limited is listed on the Australian Securities Exchange, and includes the award-winning HUB24 Platform, HUBconnect, Class, NowInfinity and myprosperity. James Cordukes The HUB24 Platform offers advisers and their clients a comprehensive range of investment options, includi
Slide 59: Disclaimer
Disclaimer SUMMARY INFORMATION FORWARD LOOKING STATEMENTS The material herein is a presentation of general background information about This presentation contains certain forward-looking statements. The words HUB24 Limited’s (‘HUB’) activities current as at date of presentation. This ‘anticipate’, ‘