Slide 1: FY26 Results Presentation
QUICKFEE For personal use only FY26 RESULTS PRESENTATION 21 August 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle
Slide 2: QuickFee market leader in B2B fee-funding
QuickFee is a market For personal use only leader in the high- margin, B2B fee- funding industry for the 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.quick
Slide 3: QuickFee helps professional services firms accelerate collection of receivables
QuickFee helps professional services firms accelerate collection of accounts receivable, get paid faster and grow their business. For personal use only TRUSTED FOR PAYMENTS AND WE HELP FIRMS OUR SOLUTIONS B2B FINANCE FINANCING SOLUTIONS SINCE 2009: Reduce A/R Pay Now | EFT + Card (AU + Designed spec
Slide 4: Targeting Accounting and Legal verticals
Targeting Accounting and Legal verticals Focus on professional services firms For personal use only + Professional services with a business-to-business (B2B) focused customer base + Firm revenue greater than $1M In Accounting and Legal verticals + Accounting or solution providers to accounting (e.g.
Slide 5: FY26 Performance Overview
FY26 Performance Overview NPAT positive and attractive dividend yield FY PERFORMANCE (A$M) FY26 FY25 MOVEMENT + EBTDA* UP 58% ON PCP For personal use only REVENUE – AUSTRALIA 13.6 12.4 UP 10% + FY26 GUIDANCE ACHIEVED REVENUE – USA 4.8 12.9 DOWN 63% EBTDA TOTAL REVENUE 18.4 25.3 DOWN 27% GROSS PROFIT
Slide 6: FY26 Highlights
FY26 Highlights Simplified, low-risk, high-margin business model Sale of US Pay Now business for US$26.35 million (A$40 million) completed on 9 September 2025 For personal use only Stable top-line with underlying revenue down 1% on pcp Sustainably profitable operations in both US and AU with low pro
Slide 7: Structurally profitable with positive EBTDA & NPAT
Structurally profitable with positive EBTDA & NPAT + Simplified business model which is profitable in both AU and US For personal use only + Structural reduction in the operating cost base following sale of US Pay Now business + Operating expenses in FY26 of A$7.6 million, down 45% on pcp + Reported
Slide 8: Strong and stable net interest margin of 15.3%
Strong and stable net interest margin of 15.3% GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS) For personal use only 15.3% 15.3% 15.0% 14.8% 14.6% 14.6% 14.4% 14.1% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 LTM NIM + Group NIM increased to 15.3% in Q4 FY26 with steady incr
Slide 9: Australia: Strong Growth in Legal
For personal use only AUSTRALIA: STRONG GROWTH IN LEGAL
Slide 10: AU: FY26 Finance revenue up 11% on pcp
AU: FY26 Finance revenue AU Financial Performance up 11% on pcp A$’M FY26 FY25 %+/- Finance (Pay Over Time) revenue 12.1 10.9 +11% + Continued revenue growth: AU revenue up 10% to $13.6 million, Pay Now (EFT + Card) revenue 1.0 1.0 -% driven by strong growth in Finance revenue to $12.1 million For p
Slide 11: AU: Strong growth in legal
AU: Strong growth in legal + AU Finance TTV up 11% on pcp + Finance plans up 67% to 13,110 due to large growth in lower value DF originations For personal use only + Active Firms stable at 544 + Finance revenue yield steady at 17.2% + High TTV growth in Q4 FY26 (up 40% on pcp): a large portion of in
Slide 12: United States: Structurally Profitable
For personal use only UNITED STATES: STRUCTURALLY PROFITABLE
Slide 13: US: 69% reduction in opex
US: 69% reduction in opex A$’M US Financial Performance FY26 FY25 %+/- + Finance revenue down 30% on pcp: reflects departure of Finance (Pay Over Time) revenue 3.2 4.6 -30% firms prior to sale of US Pay Now business and termination of a Pay Now (ACH + Card) revenue 1.4 8.1 -83% defaulting US firm, w
Slide 14: US: Growth potential in US remains significant
US: Growth potential in US remains significant + Aiwyn purchased QuickFee’s US Pay Now business + delivers payments, practice management and tax For personal use only solutions to accounting firms + QuickFee has a reseller agreement with Aiwyn, whereby QuickFee's US Finance offering will be embedded
Slide 15: FY26 Financials
For personal use only FY26 FINANCIALS
Slide 16: Financial Performance
Financial Performance Statutory Group profit & loss A$’M FY26 FY25 $+/- %+/- Interest revenue 14.3 14.8 -0.5 -3% Revenue from contracts with customers 4.1 10.4 -6.3 -61% + Reported revenue: Total reported revenue down 27% to A$18.4 million (FY25: A$25.2 million) TOTAL REVENUE 18.4 25.2 -6.8 -27% For
Slide 17: Structural reduction in operating expenses
Structural reduction in operating expenses + Reported operating expenses decreased 45% on pcp to A$7.6 OPERATING EXPENSES BY YEAR (A$M) million (FY25: A$13.9 million) For personal use only + Normalised operating expenses (excluding eliminated US costs) decreased 56% to A$6.1 million + Decrease acros
Slide 18: Underlying Group profit & loss
Financial Performance Underlying Group profit & loss (FY26 excluding US Pay Now business) + The underlying FY26 performance excludes the US Pay Now A$’M FY26* business and provides the basis for FY27 forecasting Interest revenue 14.3 For personal use only + The continuing Finance business in the US
Slide 19: Group balance sheet
Group balance sheet A$’M 30 JUNE 2026 30 JUNE 2025 $+/- %+/- + Cash: A$8.3million unrestricted cash (30 June 2025: A$6.9 + Cash and cash equivalents 8.3 13.7 -5.4 -39% A$6.8 million ‘ACH cash-in-transit’; ACH cash in transit is offset Restricted cash held in escrow 1.9 - +1.9 - by outstanding settle
Slide 20: Expanded debt facility to fund future loan book
Expanded debt facility to fund future loan book Viola credit facility 30 JUNE 30 JUNE + A$81 million committed facility A$M 2026 2025 $+/- COMMENTS For personal use only (AUD 60 million + USD 15 million) + Optional expansion of USD to USD 30 million (total to A$118 million) subject to approval TOTAL
Slide 21: FY27 Outlook
For personal use only FY27 OUTLOOK
Slide 22: Outlook
Outlook Why QuickFee, Why Now + Simple, scalable low credit risk, B2B lending model For personal use only + Focus on core expertise of accounting and law verticals + Structurally profitable operations in Australia and the US with stable cost base + Positive NPAT and paying dividends at 13% yield* Di
Slide 23: Questions
QUESTIONS To post any questions or feedback on this presentation, we encourage investors to sign up to the QuickFee For personal use only investor hub at investorhub.quickfee.com/auth/signup CONTACT DETAILS Simon Yeandle, CFO p: +61 2 8090 7700 e: simon.yeandle@quickfee.com Katie Mackenzie, Investor
Slide 24: Disclaimer
Disclaimer The material contained in this document has been prepared by QuickFee does not undertake any obligation to publicly release the QuickFee Limited ACN 624 448 693 (‘company’) and contains result of any revisions to these forward-looking statements to For personal use only general informatio
Slide 25: Appendix
For personal use only APPENDIX
Slide 26: FY26 Group cash flow
FY26 Group cash flow Reconciliation from profit/(loss) for the period to operating cash flow A$’M FY26 FY25 $+/- %+/- A$’M FY26 FY25 $+/- %+/- Net cash inflow/(outflow) from operating activities 0.7 1.1 -0.4 -36% Profit/(loss) for the period 36.8 (4.3) +41.1 +856% For personal use only Net cash outf
Slide 27: Historical metrics - US
Historical metrics - US FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) Q1 Q2 H1 Q3 Q4 H2 FY24 Q1 Q2 H1 Q3 Q4 H2 FY25 Q1 Q2 H1 Q3 Q4 H2 FY26 For personal use only PROFESSIONAL SERVICES US$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 PAY NOW ACH
Slide 28: US product profitability
US product profitability ACH CARD FINANCE CONNECT TOTAL For personal use only US$000S EXCEPT VOLUME FY26 FY25 FY26 FY25 FY26 FY25 FY26 FY25 FY26 FY25 VOLUME US$ M 227 1,260 45 267 20.1 29.1 - - 292.1 1,556.1 FINANCING REVENUE (INTEREST) - - - - 1,963 2,829 - - 1,963 2,829 PAYMENTS AND OTHER REVENUE
Slide 29: Historical metrics - AU
Historical metrics - AU FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) Q1 Q2 H1 Q3 Q4 H2 FY24 Q1 Q2 H1 Q3 Q4 H2 FY25 Q1 Q2 H2 Q3 Q4 H2 FY26 For personal use only 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 PAY NOW EFT 6 6 12 5 7 12 24 7 8
Slide 30: AU product profitability
AU product profitability EFT & CARD FINANCE BNPL TOTAL For personal use only A$000S EXCEPT VOLUME FY26 FY25 FY26 FY25 FY26 FY25 FY26 FY25 VOLUME A$ M 109 93 70.4 63.7 2.7 6.0 182.1 162.7 FINANCING REVENUE (INTEREST) - - 11,033 10,017 396 442 11,429 10,459 PAYMENTS AND OTHER REVENUE 1,003 954 1,062 8
Slide 31: Glossary
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 For personal use only APR Annual percentage rate The annual rate of interest on payment plans