Earlypay Limited · ASX:EPY
Earlypay — Shareholder Meeting (November 2025)
10 slides from Earlypay's shareholder meeting presentation, Nov 27, 2025
Slide 1: FY25 AGM Presentation
Earlypay For personal use only FY25 AGM Presentation 27 November 2025 Chair Geoff Sam CEO James Beeson
Slide 2: FY25: Stronger, Simpler, Profitable – and Ready to Grow
FY25: Stronger, Simpler, Profitable – and Ready to Grow Profit growth, margin expansion and portfolio quality For personal use only $5.1m 1.9 cps $249.4m $33.7m Underlying NPAT1 Underlying Basic EPS Year End, Funds in Use Net Revenue ↑ 24% pcp ↑ 30% pcp ↓ 0% pcp2% pcp ↓ 4% pcp 33% Equipment Finance
Slide 3: Our Mission and Growth Opportunity
Our Mission and Growth Opportunity Backing Australian businesses with flexible and reliable working capital finance For personal use only Evolving Our Product Set to Meet SME Needs Creating Deeper, More Valuable Relationships • SMEs often need multiple working capital solutions - a • We want to be t
Slide 4: Product Enhancements to Serve a Broader Set of Businesses and Addressable Market
Product Enhancements to Serve a Broader Set of Businesses and Addressable Market For personal use only Invoice Finance Equipment Finance Trade Finance Product enhancement to support Support both capex and Cautious re-activation for Small and Medium businesses working capital requirements selected In
Slide 5: Customer-First Platform to Scale Efficiently
Customer-First Platform to Scale Efficiently Customer Experience & Trust Platform Benefits for Growth and Efficiency • Customer-first focus at the heart of our strategy • Improved customer and adviser experience (faster, For personal use only simpler, more consistent) • Very strong NPS results and 5
Slide 6: Funding & Capital Management - Scalable, Capital Efficient Funding & Disciplined Capital Use
Funding & Capital Management - Scalable, Capital Efficient Funding & Disciplined Capital Use Optimised Funding Structure Capital management • Scalable, capital efficient, cost-effective and flexible • $26m+ of capital has been released from refinancing and For personal use only warehouses more effic
Slide 7: FY26 Trading Update & EPS Guidance
FY26 Trading Update & EPS Guidance Operating Performance – FY26 to date EPS Guidance Update • Month-on-month growth in Funds in Use (IF & EF) • FY26 Guidance maintained: EPS expected to be 15% - 20% For personal use only higher than FY25 (1.9cps) • Expected December Ave. FIU of >$270m • Outlook supp
Slide 8: Questions
FY25 AGM Presentation For personal use only Questions
Slide 9: Disclaimer
Disclaimer This presentation (”this Presentation”) has been prepared by Earlypay Limited [ACN 098 952 277] (“EPY” or the “Company”) and is dated 27 November 2025. Summary information This presentation contains summary information about the current activities of EPY as at the date of this Presentatio
Slide 10: Investor enquiries
For personal use only Investor enquiries James Beeson Managing Director & CEO, Earlypay 1300 760 205 James.beeson@earlypay.com.au