Earlypay Limited · ASX:EPY
Earlypay — Investor Presentation (August 2026)
21 slides from Earlypay's investor presentation, Aug 27, 2026
Slide 1: FY26 Results Presentation
Earlypay FY26 Results Presentation 27 August 2026 CEO James Beeson CFO / COO Paul Murray
Slide 2: Backing Australian businesses with flexible and reliable working capital finance
Backing Australian businesses with flexible and reliable working capital finance. 2
Slide 3: FY26 Financial Summary
FY26 Financial Summary
Slide 4: FY26 Financial Summary
FY26 Financial Summary Strong portfolio growth provides a higher earnings base entering FY27 SCALE $308m $36.0m June 2026 Funds in Use1 ↑ 23% pcp2 Net Revenue 3 ↑ 7% pcp FY26 FIU $269m, ↑ 8% pcp ECONOMICS 13.4% $23.1m 1.2% Net Revenue margin 13.5% pcp Core operating expenses4 ↑ 3% pcp Credit Loss Ex
Slide 5: FY26 Strategic Summary
FY26 Strategic Summary
Slide 6: FY26 built stronger foundations for growth and operating leverage
FY26 built stronger foundations for growth and operating leverage GROWTH & PORTFOLIO PLATFORM & EFFICIENCY CAPITAL & EARNINGS QUALITY • $308m year-end FIU, +23%; highest in • Major platform and client migration 3+ years complete • Funding structure supports growth with modest additional capital • In
Slide 7: FY26 Statutory Results
FY26 Statutory Results
Slide 8: FY26 Summary – Reported P&L
FY26 Summary – Reported P&L Strong portfolio and revenue growth offset by higher credit costs and investment in growth Profit and Loss ($m) FY25 FY26 30 June Y/E Reported Reported Δ pcp Closing month FIU - IF, TF, EF 1 249.9 307.8 23% PORTFOLIO & REVENUE Average FIU 249.6 269.1 8% • FY26 FIU increas
Slide 9: Product Segment: Invoice & Trade Finance (IF / TF)
Product Segment: Invoice & Trade Finance (IF / TF) IF returned to growth at strong margins with an increasingly diversified, higher-quality portfolio IF & Trade Reporting ($m) FY25 FY26 Δ pcp Key Metrics 1 Closing month FIU - IF 118.6 130.2 10% 1 PORTFOLIO & GROWTH Closing month FIU - TF 6.6 3.8 (43
Slide 10: Product Segment: Equipment Finance (EF)
Product Segment: Equipment Finance (EF) Strong portfolio growth provides a higher recurring income base and expands the broker network EF Reporting ($m) FY25 FY26 Δ pcp Key Metrics 1 Closing month FIU 124.7 173.9 39% 2 PORTFOLIO & GROWTH Average FIU 106.9 146.9 37% Loan Originations 80.1 105.4 32% •
Slide 11: Capital-efficient balance sheet supports growth and shareholder returns
Capital-efficient balance sheet supports growth and shareholder returns Strong tangible asset backing, ample funding capacity and disciplined capital allocation BALANCE SHEET STRENGTH FUNDING FOR GROWTH CAPITAL MANAGEMENT & SHAREHOLDER RETURNS • $36.2m NTA / 14.76 cps • $386m warehouse facilities •
Slide 12: Strategy & Outlook
Strategy & Outlook
Slide 13: Doubling down on a proven broker channel to drive organic growth
Doubling down on a proven broker channel to drive organic growth Expanding reach, deepening relationships and broadening the working-capital proposition EXPAND REACH DEEPEN RELATIONSHIPS BROADEN THE PROPOSITION Significant broker headroom Proactive opportunity identification More client needs we can
Slide 14: Platform complete - shifting from implementation to growth
Platform complete - shifting from implementation to growth More operating capacity, faster development and a better broker and client experience MORE CAPACITY BUILD FASTER BETTER PRODUCT One platform, lower complexity Weeks, not months Coherent and seamless working capital finance • AI-assisted deve
Slide 15: FY27 Outlook
FY27 Outlook Stronger earnings base supports materially higher FY27 earnings and shareholder returns LARGER EARNINGS ORGANIC GROWTH GREATER OPERATING EARNINGS QUALITY & BASE OPPORTUNITY LEVERAGE SHAREHOLDER RETURNS • Platform complete with • Statutory earnings expected • Opening FIU of $308m, • Expa
Slide 16: Appendix
FY26 Results Presentation Appendix
Slide 17: Product Segment Dashboard
Product Segment Dashboard INVOICE AND TRADE FINANCE EQUIPMENT FINANCE Margin (%) (LHS) vs. Ave funds in use ($m) (RHS) Margin (%) (LHS) vs. Ave. funds in use ($m) (RHS) 8% $175m 22% $175m 20% 14.9% 7% $150m 14.3% $150m 18% 13.0% 12.0% 6% 2.5% 2.4% 16% $125m 3.5% 2.4% $125m 14% 5% $100m $100m 12% 4%
Slide 18: Consolidated Balance Sheet
Consolidated Balance Sheet Strong balance sheet provides capacity for growth and continued shareholder returns Balance Sheet ($m) 30-Jun-25 30-Jun-26 Δ pcp BALANCE SHEET STRENGTH Cash and cash equivalents 37.1 34.9 (6%) 1 • Net Tangible Assets: $36.2m / 14.76 cps Receivables - Invoice Finance 115.4
Slide 19: Funding for Growth
Funding for Growth Capital-light funding structures provide capacity for strong organic growth Facility Size Cost of funds EFFICIENT FUNDING • ~5% Earlypay capital required to support portfolio growth Invoice Finance & Trade warehouse • Strong portfolio growth requires relatively modest additional E
Slide 20: Disclaimer
Disclaimer This presentation (”this Presentation”) has been prepared by Earlypay Limited [ACN 098 952 277] (“EPY” or the “Company”) and is dated 27 August 2026. Summary information This presentation contains summary information about the current activities of EPY as at the date of this Presentation.
Slide 21: Investor enquiries
Investor enquiries James Beeson Managing Director & CEO, Earlypay 1300 760 205 James.beeson@earlypay.com.au