Raiz Invest Ltd. · ASX:RZI
Raiz Invest — FY2025 Earnings Presentation
27 slides from Raiz Invest's earnings presentation, Aug 28, 2025
Slide 1: FY25 Full Year Financial Results
FY25 Full Year Financial Results 28 August 2025 Raiz Invest : wealth platform for all Australians Level 9, 2 Bulletin Place, Sydney NSW 2000 Announcement authorised by the Board of Directors Raiz Invest Limited ABN 74 615 510 177
Slide 2: Raiz is a wealth platform for all Australians
Raiz is a wealth platform for all Australians Our vision is to allow all Australians to achieve financial well-being regardless of their situation 333,866 $1.95 bn Active Customers FUM At 26 Aug 2025 At 26 Aug 2025 Award-winning platform: Winner 2025 Canstar Finalist in Fintech Australia's Winner fo
Slide 3: FY25 Financial Highlights: Strong revenue growth and record UEBITDA
FY25 Financial Highlights: Strong revenue growth and record UEBITDA Financial Metrics 14.3% Core Business Drivers Revenue Underlying EBITDA1 Active Customers ARPU2 $24.1m $2.8m 329,277 $75.67 15% 147% 7% 9% Operating Cashflow3 Cash FUM Netflows $4.0m $13m $1.8bn $210m 9% 54% 30% 100% FY26 Earnings G
Slide 4: FY25: Successful execution of our growth strategy
FY25: Successful execution of our growth strategy Superior customer Exceptional Strong strategic experience products partnerships ✓ Implemented individually targeted ✓ Commitment to ongoing ✓ Strategic partnership with State marketing strategies customer-centric innovation Street Investment Manageme
Slide 5: Superior Customer Experience: Investing in AI strategies
Superior Customer Experience: Investing in AI strategies • Sophisticated understanding of each persona's goals, challenges and how they Example 1: could benefit from Raiz products Young Professionals • Investing in the future with generative AI tools to personalise messaging and implement targeted m
Slide 6: Exceptional Products: Innovation
Exceptional Products: Innovation Raiz Invest Raiz Plus Raiz Invest Super Raiz Rewards • Raiz Invest: Award winning • Expanded Raiz Plus: 160 • Plus into Super: Launched • Automated Raiz Rewards: micro-investing platform that individual share, ETF, BTC and the Plus Portfolio in the Raiz with over 1,0
Slide 7: Exceptional Products: Innovation
Exceptional Products: Innovation Raiz Kids Raiz Lite Raiz Academy Raiz Jars • Raiz Kids: Improves financial • Raiz Lite: (Launched 1 • Raiz Academy: A • Raiz Jars: Allows our literacy of younger August). A new plan designed comprehensive online customers to set up their demographics and provides spe
Slide 8: Strategic Partnerships: Agile with a keen focus on marketing ROI
Strategic Partnerships: Agile with a keen focus on marketing ROI “Raiz Your Game” Podcast Strategic Partnerships Over 355,000 interactions with our Podcast content since launch in March 2025. Investing in better content to engage social media The use of brand names and/or logos is for educational pu
Slide 9: Strategic Partnerships: State Street Investment Management
Strategic Partnerships: State Street Investment Management • Global leader: State Street IM is the 4th largest asset manager worldwide • Marketing: Live campaign to commence Sept 25 - Promoting Raiz to State Street IM’s substantial network of institutional and HNW clients in Australia • Content: Pro
Slide 10: Strong growth in core business drivers
Strong growth in core business drivers Active Customers (#) FUM ($m) • Accelerated growth rate of 7% from June 2024 to June 2025, • Strongest net inflows since FY22 plus positive market movement above the four year CAGR of 5% • Increase in both Retail and Super FUM 10
Slide 11: Steady growth in ARPU
Steady growth in ARPU Key drivers of ARPU growth – CAGR of 14% over 4 years Account based revenue5 • Fee increases in March 2021 and August 2023 • Fee increase also implemented August 20256 • Customers selecting higher revenue products (eg. Raiz Plus (42% YoY, Raiz Super 21% YoY) • Strong inflows dr
Slide 12: Inflection point: Improved profitability and operating leverage
Inflection point: Improved profitability and operating leverage • Revenue increased by 15% YOY to $24 million FY25 vs • Achieved a positive UEBITDA of $2.8 million, A$’000 1H FY25 2H FY25 FY25 FY24 marking a 147% improvement from FY24 FY24 (%) Revenue 11,604 12,463 24,067 21,016 15 • 2H FY25 UEBITDA
Slide 13: Inflection point: operating profitability with UEBITDA of $2.8m
Inflection point: operating profitability with UEBITDA of $2.8m • Four consecutive half-year reporting periods of positive UEBITDA • 147% increase in FY25 UEBITDA was driven by: • 7% increase in Active Customers • 9% increase in ARPU • 15% increase in Revenue • Partially offset by 7% increase in Ope
Slide 14: Inflection point: Positive operating and free cashflow
Inflection point: Positive operating and free cashflow Strong Balance Sheet % vs $’000 FY25 FY24 FY24 • Positive operating cash flow: $4.0 million (FY24: $4.3 million) with Operating cash flows (continuing operations) 3,955 4,346 (9) the slight decrease primarily driven by working capital changes De
Slide 15: FY26 Strategy & Outlook
FY26 Strategy & Outlook Full Year Results: 30 June 2025
Slide 16: The opportunity: continue to grow market share
The opportunity: continue to grow market share Winning new customers* Re-engagement and cross-promotion Active Users +333k Plus Users Rewards Users Super Users *Source: ABS, ASX (ASX Australian Investor Study 2023). 16
Slide 17: Exceptional Products: Maximising customer lifetime value
Exceptional Products: Maximising customer lifetime value KIDS: 10% GEN Z: 14% MILLENNIAL: 51% GEN X: 20% BOOMERS: 5% Raiz Academy Raiz Kids Raiz Invest Active Users +325k Raiz Super Raiz Rewards Innovative Product Roadmap UNDER 18 EARLY CAREER PAYING OFF DEBT GROWING WEALTH STARTING RETIREMENT Maxim
Slide 18: FY26: Strategic priorities
FY26: Strategic priorities Superior customer Exceptional Strong strategic experience products partnerships ➢ Seamless omni-channel service ➢ Innovative solutions ➢ Strategic partnership with State Street Investment Management ➢ Proactive engagement ➢ Integrated ecosystems ➢ Expanded ecosystem of ➢ T
Slide 19: Compelling investment thesis
Compelling investment thesis 1 2 3 4 5 6 CUSTOMER SOLID OPPORTUNITIES EXPANDED SCALABLE STRENGTH FIRST TRACTION RESOURCES Proven scalable Strong balance Customer centric Continued growth Strong reputable Strengthened both technology and sheet, well funded culture driving in core business partnership
Slide 20: Important notice and disclaimer
Important notice and 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 Presen
Slide 21: Appendix
Appendix Full Year Results: 30 June 2025
Slide 22: Appendix – FY25 Financial Results Presentation
Appendix 1 – FY25 Financial Results Presentation Growth Indicators and Key Financial Metrics 30-Jun-25 31-Dec-24 2H25 vs 1H25 30-Jun-25 30-Jun-24 FY25 v FY24 2H25 1H25 % FY25 FY24 % Active Customers 329,277 317,995 3.5% 329,277 306,776 7.3% 1 ARPU ($) 77.02 74.29 3.7% 75.67 69.74 8.5% Total FUM ($m)
Slide 23: Appendix – FY25 Financial Results Presentation (continued)
Appendix 1 – FY25 Financial Results Presentation (continued) Growth Indicators and Key Financial Metrics 30-Jun-25 31-Dec-24 2H25 vs 1H25 30-Jun-25 30-Jun-24 FY25 v FY24 2H25 1H25 % FY25 FY24 % Total Staff - closing FTE (full time equivalent basis) 35 31 12.9% 35 28 25.0% Employee Benefits Expense (
Slide 24: Appendix – FY25 Financial Results Presentation (continued)
Appendix 1 – FY25 Financial Results Presentation (continued) STI: Short-term incentive 24
Slide 25: Appendix – FY25 Financial Results Presentation (continued)
Appendix 1 – FY25 Financial Results Presentation (continued) OE: Operating expenses TE: Total expenses D&A: Depreciation & Amortisation SBP: Share-based Payments 25
Slide 26: Appendix - Market information
Appendix 2 - Market information Share price, capital structure, and substantial shareholders Raiz Share Price & Volume Capital structure (26-Aug-25) Shares on issue 105.4m Share price A$0.665 12-month range A$0.38 - A$0.86 Market capitalisation A$70m Cash & cash equivalents 30 June 2025 A$13m Top Ho
Slide 27: (ASX:RZI)
Investor and media enquiries: Brendan Malone Managing Director and CEO M: + 61 439 339 195 E: ir@raizinvest.com.au Katie Mackenzie Investor Relations M: +61 455 502 197 E: kmackenzie@belleviewir.com.au (ASX:RZI) 27