Slide 1: Q2 FY26 Business Update
QUICKFEE For personal use only Q2 FY26 BUSINESS UPDATE 21 January 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle
Slide 2: QuickFee helps professional services firms accelerate collection of accounts receivable
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 3: Q2 FY26 Results Overview
Q2 FY26 Results Overview Underlying revenue flat vs pcp1 & positive EBTDA in Q2 FY26 + GROUP REVENUE OF $4.2M Q2 FY26 PERFORMANCE2 Q2 FY26 Q2 FY25 MOVEMENT For personal use only + EBTDA POSITIVE IN Q2 FY26 REVENUE US FINANCE (PAY OVER TIME) US$ 0.6 M US$ 0.7 M -14% Q2 REVENUE FLAT vs PCP1 US PAY NOW
Slide 4: Q2 FY26 Highlights
Q2 FY26 Highlights Quarterly revenue of A$4.2m, flat on normalised pcp + H1 FY26 normalised group revenue was up 4% to A$8.5 million, on normalised pcp For personal use only (H1 FY26 reported revenue A$10.1m vs H1 FY25 of $11.7m) Core operations deliver attractive net interest margin of 15% + Reflec
Slide 5: H1 FY26 revenue up 4% on pcp at attractive net interest margin
H1 FY26 revenue up 4% on pcp at attractive net interest margin REVENUE vs PCP + Q2 FY26 revenue flat on normalised pcp A$2.0M* For personal use only + H1 FY26 normalised revenue up 4% on normalised pcp + Group net interest margin increasing steadily over time to 15% in Q2 FY26, with low volatility o
Slide 6: Australia: Revenue Growth Continues
For personal use only AUSTRALIA: REVENUE GROWTH CONTINUES
Slide 7: AU: Q2 FY26 Finance revenue up 7% on pcp
AU: Q2 FY26 Finance revenue up 7% on pcp + AU Finance revenue up 7% on pcp to A$2.9 million (Q2 AU FINANCE TTV (A$M) FY25: A$2.7 million) AU Finance TTV down 7% on pcp For personal use only + Finance revenue yield up 270 bps on pcp to 19.5%, primarily due to growth in legal disbursement funding book
Slide 8: United States: Singular Focus and Reseller Channel
For personal use only UNITED STATES: SINGULAR FOCUS AND RESELLER CHANNEL
Slide 9: US: Q2 FY26 Finance revenue down 14% on pcp
US: Q2 FY26 Finance revenue down 14% on pcp + US Finance TTV down 37% on pcp to US$6.3 million; Finance revenue down 14% on pcp to US$0.6 million US FINANCE TTV (US$M) # OF PAYMENT PLANS For personal use only (Q2 FY25: US$0.7 million) + Underlying business performing well with Finance revenue yield
Slide 10: Capital Management & Liquidity
For personal use only CAPITAL MANAGEMENT & LIQUIDITY
Slide 11: Capital Management & Liquidity
CAPITAL MANAGEMENT & LIQUIDITY Capital return For personal use only + QuickFee returned 7.5cps (approximately A$28.5m) to shareholders in December 2025, from the proceeds of the sale of the US Pay Now business + Expect to record a profit on sale in the 31 December 2025 accounts of approximately A$35
Slide 12: Strengthened balance sheet & liquidity
Strengthened balance sheet & liquidity Credit facilities Loan book & Liquidity For personal use only 31 DEC 30 JUNE A$M Viola credit facility 2025 2025 $+/- + A$68 million committed facility. LOAN BOOK 60.6 58.6 +2.0 + Optional expansion to A$118 million (subject to approval) + Currently drawn to A$
Slide 13: H2 FY26 Outlook
For personal use only H2 FY26 OUTLOOK
Slide 14: Outlook
Outlook Singular management focus on growing Finance in both AU and US For personal use only + Streamlined back-office processes + Leverage experience and success in AU into US + Aiwyn reseller agreement opportunity + Sole product focus for staff commissions Negligible product development and capex
Slide 15: 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 16: 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 17: Appendix
For personal use only APPENDIX
Slide 18: 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
Slide 19: AU operational metrics: Q2 FY26 & H1 FY26
AU operational metrics: Q2 FY26 & H1 FY26 For personal use only www.quickfee.com 21 January 2026 18
Slide 20: AU Finance revenue: Q2 FY26 & H1 FY26
AU Finance revenue: Q2 FY26 & H1 FY26 For personal use only www.quickfee.com 21 January 2026 19
Slide 21: US operational metrics: Q2 FY26 & H1 FY26
US operational metrics: Q2 FY26 & H1 FY26 For personal use only www.quickfee.com 21 January 2026 20
Slide 22: US revenue: Q2 FY26 & H1 FY26
US revenue: Q2 FY26 & H1 FY26 FINANCE For personal use only ACH (to sale date of 9 September 2025) CARD (to sale date of 9 September 2025) www.quickfee.com 21 January 2026 21