Raiz Invest Ltd. · ASX:RZI
Raiz Invest — FY2026 Earnings Presentation
31 slides from Raiz Invest's earnings presentation, Aug 27, 2026
Slide 1: FY26 Full Year Financial Results
FY26 Full Year Financial Results 27 August 2026 Level 9, 2 Bulletin Place, Sydney NSW 2000 Raiz Invest : A Wealth Platform for all Raiz Invest Limited ABN 74 615 510 177 Australians
Slide 2: Raiz is a Wealth Platform for all Australians
Raiz is a Wealth Platform for all Australians Our Vision: To allow all Australians to achieve financial well-being, regardless of their situation. 351,362 Active Customers $2.32 bn FUM At 30 June 2026 At 30 June 2026 Industry Recognition Winner 2026: Round-Up Investing | Kids Investing Raiz Invest S
Slide 3: FY26 Financial Highlights
FY26 Financial Highlights1 Strong revenue growth driving sustainable profitability Financial Metrics Core Business Drivers Revenue Underlying Active ARPU3 EBITDA2 Customers $29.2m $85.87 $5.5m 351,362 21% 93% 7% 13% Operating FUM Netflows Cash Cashflow4 $15.4m $2.3bn $219m $5.1m 30% 18% 28% 4% 1. Al
Slide 4: Accelerating Momentum in Core Business Drivers
Accelerating Momentum in Core Business Drivers Active Customers (#) FUM ($m) • Active Customers increased 6.7% in FY26 • FUM growth from net inflows plus positive market movement • Growth in FUM across all portfolios 4
Slide 5: Strong Growth in Revenue Driven by ARPU
Strong Growth in Revenue Driven by ARPU • Revenue up 21.4% outpacing customer growth of 6.7%, growing at Four-year CAGR of 15.1%. • ARPU up 13.5% to $85.87, growing at Four-year CAGR of 9.7%. • Key factors contributing to ARPU growth: • Fee increase effective August 2025 • Growth in higher revenue p
Slide 6: Innovation Driving Increased Customer Engagement
Innovation Driving Increased Customer Engagement Kids FUM ($m) Plus FUM ($m)
Slide 7: Evolving into a Broader Wealth Platform
Evolving into a Broader Wealth Platform FY27 Raiz Invest Raiz Plus Raiz Rewards Raiz Invest Super In Progress Direct Trade: US-listed equities & ETFs and direct ASX trading Raiz Kids Raiz Jars Raiz Lite Raiz Academy 7
Slide 8: FY26 Financial Results
WANZ}ears FY26 Financial Results
Slide 9: Core Drivers Delivering Strong Financial Performance
Core Drivers Delivering Strong Financial Performance • Revenue increased by 21% to $29 million. % vs A$’0005 FY26 FY25 • Underlying operating expenses up 12% to $23.8m. FY25 • Underlying EBITDA of $5.5m, up 93%, at a 19% Revenue 29,223 24,067 21 margin (FY25: 12%). • The 2H NPBT result includes non-
Slide 10: Strong Growth in UEBITDA
Strong Growth in UEBITDA 93% growth in UEBITDA: • 6.7% increase in Active Customers • 13.5% increase in ARPU • Positive jaws driving UEBITDA margin of 18.7% (FY25: 11.8%) with 2HFY26 margin of 19.2% • Three consecutive years of positive UEBITDA 10
Slide 11: Positive Operating and Free Cashflow
Positive Operating and Free Cashflow % vs A$’0006 FY26 FY25 FY25 • Operating cash flow of $5.1m, up 30% (FY25: $4.0m), representing 94% conversion of underlying EBITDA Operating cash flows 5,140 3,955 30 (FY25: 140%7). • Development costs of $2.5m, down 20% (FY25: $3.1m). Development costs (Capex) (
Slide 12: Transformation to Deliver on Ambition
Transformation to Deliver on Ambition
Slide 13: FY27 Focus: Positioning Raiz for Sustainable Growth
FY27 Focus: Positioning Raiz for Sustainable Growth Transform from Micro-investing Platform to Wealth Management Platform Raiz has a solid brand and Raiz is building a foundation as a micro- wealth management investing platform with: The transformation platform delivers: will enable stronger • stron
Slide 14: Transformation Program: Four Key Focus Areas
Transformation Program: Four Key Focus Areas Raiz’s strong capital position supports investment in the business Customer acquisition, conversion and lifetime value • Implementing the systems, processes and capabilities and strengthening customer engagement and marketing enablement The right capabili
Slide 15: Transformation Program Enabled by critical shifts under new leadership
Transformation Program Enabled by critical shifts under new leadership Enhancing Building a Improving internal Exploring strategic leadership high-performance processes M&A opportunities capability culture 15
Slide 16: Building a High-Performance Culture
Building a High-Performance Culture The Raiz Leadership Charter will underpin the leadership and cultural changes required for sustainable growth. The three pillars for high-performance leadership are: • Consistency – accountability, integrity and composure. • Openness – curiosity, humility and empo
Slide 17: Innovating Towards a Broader Wealth Platform
Innovating Towards a Broader Wealth Platform The launch of US-listed equities & ETFs and direct ASX trading remain a high priority for FY27 • The proposed go-to-market approach will be staged: • initially cross-selling the capability to existing Raiz customers; • subsequently targeting new customers
Slide 18: The Opportunity
The Opportunity 1. Acquire new customers * 2. Re-engagement & cross-promotion Active Customers 351k Kids Portfolios Opportunity Plus Plans Opportunity Jar Portfolios Opportunity Reward Users Opportunity Super Users Opportunity 18 * Source: ABS, ASX (ASX Australian Investor Study 2023).
Slide 19: Regular Investing Among Gen Z Australians
Regular Investing Among Gen Z Australians Research indicates that regular investing is becoming an increasingly established behaviour among younger Australians: of those investing started within the past 24% of Gen Z Australians invest regularly, almost one-quarter of the generation. 91% five years,
Slide 20: Building a Trusted Brand with Next Generation of Investors
Building a Trusted Brand with Next Generation of Investors – Beneficiaries of the Wealth Transfer $150bn $5.4tn Transferred through inheritances Projected between generations In 2024 Over next 20 years Why Raiz Kids is positioned to support this Simple to set up. Family can all contribute. Small, re
Slide 21: Maximising Customer Lifetime Value
Maximising Customer Lifetime Value KIDS: 10% GEN Z: 14% MILLENNIAL: 51% GEN X: 20% BOOMERS: 5% Raiz Academy Raiz Kids Raiz Invest – Lite, Regular and Plus Raiz Invest Super Raiz Jars Raiz Rewards Ambitious Product Roadmap – US-listed equities & ETFs, Direct ASX trading, instant payments plus MORE AI
Slide 22: Exploring Strategic M&A Opportunities
Exploring Strategic M&A Opportunities Management will continue to explore selective M&A and other strategic opportunities that have the potential to accelerate Raiz’s strategy. • The primary focus will be on opportunities that: • expand or accelerate distribution capability; • increase customer reac
Slide 23: Important Notice & Disclaimer
Important Notice & Disclaimer This presentation has been prepared by Raiz Invest Limited (ACN 615 510 177) (RAIZ). References in this presentation to RAIZ include its group of companies and trusts. This presentation is subject to the conditions outlined below. Your receipt or viewing of the Presenta
Slide 24: Appendix
Appendix Full Year Results: 30 June 2026
Slide 25: Appendix – FY26 Financial Results Presentation
Appendix 1 – FY26 Financial Results Presentation 25
Slide 26: Appendix – FY26 Financial Results Presentation (continued)
Appendix 1 – FY26 Financial Results Presentation (continued) 26
Slide 27: Appendix – FY26 Financial Results Presentation (continued)
Appendix 1 – FY26 Financial Results Presentation (continued) 27
Slide 28: Appendix – FY26 Financial Results Presentation (continued)
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Slide 29: Appendix – FY26 Financial Results Presentation (continued)
Appendix 1 – FY26 Financial Results Presentation (continued) 29
Slide 30: Market Information
Market Information Share price, capital structure and substantial shareholders Raiz Share Price & Volume Capital structure (17-Aug-26) Shares on issue 105.4m Share price A$0.61 12-month range A$0.45 - A$0.96 Market capitalisation A$64.3m Cash & cash equivalents 30 June 2026 A$15.4m Top Holdings (17-
Slide 31: Investor and Media Enquiries
Investor and Media Enquiries: Craig Keary CEO M: +61 400 466 715 E: ir@raizinvest.com.au Katie Mackenzie Investor Relations M: +61 455 502 197 E: kmackenzie@belleviewir.com.au (ASX:RZI) 31