Slide 1: Investor Presentation Second Quarter 2026
INVESTOR PRESENTATION SECOND QUARTER 2026 AUGUST 7, 2026
Slide 2: Important Information: Caution Regarding Forward-Looking Statements
Important Information Caution Regarding Forward -Looking Statements This presentation includes forward -looking statements about goeasy Ltd. (the “Company”) including, but not limited to, its business operations, strategy and expected financial performance and condition. Forward -looking statements
Slide 3: Important Information: Caution Regarding Forward-Looking Statements
Important Information Caution Regarding Forward -Looking Statements The Company particularly cautions that the Q3 2026 outlook and full year 2026 commentary presented below under the heading “O utlook” (the “2026 Outlook Information”) constitutes forward -looking information and that in formulating
Slide 4: Important Information: Restatement of Historical Financial Information
Important Information Restatement of Historical Financial Information As previously disclosed, subsequent to the year -ended December 31, 2025, the Company identified errors in certain financial information for prior periods, which has c aused the Company to restate its financial information as at a
Slide 5: Patrick Ens, Chief Executive Officer
Patrick Ens Chief Executive Officer 5
Slide 6: Key Takeaways
Key Takeaways • Adj. diluted EPS 1 of $1.02 in Q2 2026 down from adj. diluted EPS 1 of $4.40 in Q2 2025, but up Financial from adj. diluted loss per share 1 of $1.90 in Q1 2026 • Ending gross consumer loans receivable of $5.00B down 2.1% YoY and down 6.8% QoQ Performance • Continued strength in cash
Slide 7: Q2 2026 Performance
Q2 2026 Performance ($ in millions except percentages and per share amounts. Restated, where applicable.) Q2 2026 Q2 2025 YoY ∆ Notes Gross consumer loans receivable (M)1 $5,000.7 $5,107.6 (2.1%) • YoY decrease in gross Originations (M) $272.0 $903.7 (69.9%) consumer loans receivable Revenue (M) $39
Slide 8: Further Progress Against Our 6-Point Plan
Further Progress Against Our 6 -Point Plan Action Item Q2 2026 Progress Update Focusing growth on • Direct-to-consumer loans, including easyfinancial and easyhome, now 1 easyfinancial channels represent 60% of total portfolio, up from 57% at Q4 2025 Reducing LendCare • Very significant reduction in
Slide 9: Q2 Results Compared to Outlook
Q2 Results Compared to Outlook Key Performance Indicator Q2 2026 Outlook Q2 2026 Results Gross consumer loans $4.9B to $5.1B $5.0B Consistent with outlook receivable at period end Total yield on consumer loans (including 27.0% to 28.5% 28.3% Consistent with outlook ancillary products) 1 Net charge o
Slide 10: Direct-to-Consumer Channels are a Growing Share of the Portfolio
Direct -to-Consumer Channels are a Growing Share of the Portfolio Unsecured Secured Auto, Powersports, Leasing Personal Personal Point of Sale Personal Services & Lending Operating Segment Reporting Segment Channel Type Direct -to-Consumer Direct -to-Consumer Merchant -Originated Direct -to-Consumer
Slide 11: Continued Improvement in Merchant-Originated Performance
Continued Improvement in Merchant -Originated Performance 1 Operating Segment easyfinancial Unsecured easyfinancial Secured LendCare 3 Channel Type Direct -to-Consumer Direct -to-Consumer Merchant -Originated Stable Q2 weighted average interest rate; 40% higher net charge offs in 30% the unsecured d
Slide 12: Felix Wu, Chief Financial Officer
Felix Wu Chief Financial Officer 12
Slide 13: YTD 2026 Performance
YTD 2026 Performance ($ in millions except percentages and per share amounts. Restated, where applicable.) YTD 2026 YTD 2025 YoY ∆ Notes Gross consumer loans receivable (M)1 $5,000.7 $5,107.6 (2.1%) • YTD net loss reflects the Originations (M) $823.4 $1,508.5 (47.9%) cumulative impact of Revenue (M)
Slide 14: Slowing Originations Lowered Loans Receivable to Manage Liquidity
Slowing Originations Lowered Loans Receivable to Manage Liquidity ($ in millions) $904 $946 $952 $5,513 $5,445 $5,363 $551 Gross Gross Loan Consumer $5,108 $5,001 v Originations $272 Loans 1 Receivable Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q2 2026 Highlights • Originations of $
Slide 15: Revenue Impacted by Portfolio Decrease; Yield Improving QoQ
Revenue Impacted by Portfolio Decrease; Yield Improving QoQ ($ in millions except percentages) $454 $431 31.7% 31.5% $413 $406 $390 Total Yield Total 27.9% 28.3% v On Revenue 26.6% Consumer Loans1 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q2 2026 Highlights • Decline of 9.6% YoY in
Slide 16: Ongoing Focus on Cost Containment
1 Efficiency Ratio Ongoing Focus on Cost 25.6% 25.5% Containment 25.0% 24.5% • Other operating expenses of $91.0M, a decrease of $9.3M 23.3% (9.3%), compared to Q2 2025 • Decrease in other OPERATING operating INCOME 1OPERATING INCOME 1 expenses mainly driven by lower Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 ma
Slide 17: Improved Operating Income and Return to Positive Earnings Per Share
Improved Operating Income and Return to Positive Earnings Per Share ($ in millions except per share amounts) Operating Income (Loss) Diluted Earnings (Loss) Per Share $168 $171 $160 $163 $100 $103 $5.49 $4.40 $3.84 $29 $37 $1.70 $0.96 $1.02 Q4 25 Q4 25 Q1 26 Q2 25 Q3 25 Q1 26 Q2 26 Q2 25 Q3 25 ($3.2
Slide 18: Elevated Net Charge Offs, But Down Sequentially
1 Net Charge Offs Elevated Net Charge Offs, ($ in millions except percentages) But Down Sequentially 23.8% • Net charge offs increased by 800 bps YoY to 16.7% in Q2 2026, from 8.7% in Q2 2025, but 17.8% declined 110 bps QoQ from 17.8% in Q1 2026 16.7% • Increase YoY resulting from higher charge offs
Slide 19: Charge Offs Reduced Late-Stage Delinquencies
Charge Offs Reduced Gross Consumer Loans Receivable Past Due Late -Stage Delinquencies 15.0% 12.9% • Total gross consumer loans receivable past 12.2% 12.3% 11.9% due down 100 bps YoY • 1-30 days category increased 130 bps YoY due to elevated credit risk performance in merchant -originated auto and p
Slide 20: Lower ACL With Decrease in Loans Receivable
Allowance for Credit Losses Lower ACL With Decrease ($ in millions except percentages) in Loans Receivable 9.57% 10.09% 9.99% • The rate of allowance for expected credit 8.37% 8.02% losses decreased QoQ from 10.09% to 9.99%, driven primarily by favourable changes in the macroeconomic outlook $527 $5
Slide 21: Continued to Generate Strong Organic Cash Flow
Continued to Generate 1 Cash Provided by Operating Activities Before Net Principal Wr Strong Organic Cash Flow $624 ($ in millions) $585 $560 $538 $489 • goeasy’s existing consumer loan portfolio generates significant cash flow • Annually, approximately 30 -40% of the loan book amount comes back thr
Slide 22: Balance Sheet & Capital Allocation Update
Balance Sheet & Capital Allocation Update Covenant Compliance Capital Allocation Liquidity First Priorities • Preserve and grow liquidity while • In compliance with all RCF covenants • Prioritize covenant compliance working to improve funding availability as at June 30, 2026 • Prudent loan originati
Slide 23: Outlook
Outlook
Slide 24: Outlook
Outlook 1 Key Performance Indicator Q3 2026 Outlook Full Year 2026 Commentary Updated full year Gross consumer loans Expected to be broadly in line with Q2 2026 commentary $4.8B to $5.0B reflecting latest receivable at period end levels outlook for balance of year Total yield on consumer loans Expec
Slide 25: Questions?
goeasy A Questions?
Slide 26: Appendix
goeasy Appendix
Slide 27: Balance Sheet Overview
Balance Sheet Overview Debt Summary as at June 30, 2026 Debt $M % Description Maturity CAD Rate Amt (C$M) 1 Unsecured C$3,727 85% Secured C$662 15% Senior Unsecured Notes Total C$4,389 100% US$550M 9.25% Issued 11/2023 12/2028 8.79% (Swapped) 778 US$400M 7.625% Issued 02/2024 7.20% (Swapped) 07/2029
Slide 28: Updated Debt Covenants & Leverage
Updated Debt Covenants & Leverage ($ in Millions) Q2 26 Q3 26 Q4 26 Q1 27 Q2 27 Revolver Covenants 1. Leverage Ratio 6.43 Threshold (Max) 7.00 6.80 6.60 6.25 6.10 1 2. Fixed Charge Coverage Ratio Ratio N/A Threshold (Min) Waived Waived Waived 1.00 1.25 3. TTM EBIT EBIT $232 Threshold (Min) $185 $139
Slide 29: Non-IFRS & Other Financial Measures
Non-IFRS & Other Financial Measures The Company uses a number of financial measures to assess its performance. Some of these measures are not calculated in accordance with International Financial Reporting Standards (“IFRS”) as issued by International Accounting Standards Board (IASB), are not ident