Slide 1: QuickFee H1 FY26 Results
For personal use only QUICKFEE H1 FY26 RESULTS 24 February 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle
Slide 2: QuickFee is a market leader in B2B fee-funding
QuickFee is a market For personal use only leader in the high- margin, B2B fee- funding industry for 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.quickfee.
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 $1M In Accounting and Legal verticals + Accounting or solution providers to accounting (e.g.
Slide 5: H1 FY26 Results Overview
H1 FY26 Results Overview Return to core operations delivers underlying revenue growth1, positive NPAT and interim dividend H1 FY26 PERFORMANCE (A$M) H1 FY26 H1 FY25 MOVEMENT For personal use only REVENUE – AUSTRALIA 6.7 6.1 +10% REVENUE - USA 3.4 5.6 -39% TOTAL REVENUE 10.1 11.7 -14% UNDERLYING REVE
Slide 6: Underlying revenue up 4% at attractive net interest margin
Underlying revenue up 4% at attractive net interest margin + H1 FY26 normalised revenue For personal use only up 4% on normalised pcp GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS) UNDERLYING REVENUE vs PCP 14.8% 15.0% 14.4% 14.6% 14.6% A$3.5M* 14.1% A$1.7M* 13.3% 13.7% 13.0% 13.3% A$8.2M** A$
Slide 7: H1 FY26 Highlights
H1 FY26 Highlights Underlying revenue growth of 4% on pcp + Reported revenue was down 14% on pcp to A$10.1 million + Underlying revenue (excluding US Pay Now business) was up 4% on pcp For personal use only Positive EBTDA of $2.0 million and positive NPAT of $0.8 million (before profit on sale) + Co
Slide 8: Structurally profitable operations with positive EBTDA & NPAT
Structurally profitable operations with positive EBTDA & NPAT + The sale of the US Pay Now business has led to a structural reduction in the operating cost base For personal use only + Operating expenses in H1 FY26 of A$4.4 million, were down 40% on pcp + EBTDA in H1 FY26 of $2.0 million, was up 567
Slide 9: Australia: Revenue Growth Continues
For personal use only AUSTRALIA: REVENUE GROWTH CONTINUES
Slide 10: Solid performance in AU
Solid performance in AU A$’M AU Financial Performance H1 FY26 H1 FY25 %+/- Finance (Pay Over Time) revenue 5.9 5.4 +9% + Continued revenue growth: AU revenue up 10% to $6.7 million, driven by strong growth in Finance revenue to $5.9 million Pay Now (EFT + Card) revenue 0.5 0.5 - For personal use onl
Slide 11: United States: Singular Focus and Reseller Channel
For personal use only UNITED STATES: SINGULAR FOCUS AND RESELLER CHANNEL
Slide 12: US: Structurally profitable
US: Structurally profitable A$’M US Financial Performance H1 FY26 H1 FY25 %+/- Finance (Pay Over Time) revenue 1.7 2.1 -19% + Pay Now revenue down 57% on pcp, reflects sale of US Pay Now Pay Now (ACH + Card) revenue 1.5 3.5 -57% business in September 2025. Excluding Pay Now, US revenue was Connect (
Slide 13: H1 FY26 Financial Highlights
For personal use only H1 FY26 FINANCIAL HIGHLIGHTS
Slide 14: Statutory Group profit & loss
Statutory Group profit & loss Financial Performance H1 H1 A$’M $+/- %+/- FY26 FY25 + Reported revenue: Total reported revenue down 14% to A$10.1 million. Interest revenue 7.2 7.1 0.1 +1% Revenue from contracts with customers 2.9 4.6 -1.7 -37% For personal use only + Gross profit down 18% to A$6.2 mi
Slide 15: Structural reduction in operating expenses
Structural reduction in operating expenses + Reported operating expenses decreased 40% on pcp to A$4.4 OPERATING EXPENSES BY HALF-YEAR (A$M) million (H1 FY25: A$7.3 million) For personal use only + Normalised operating expenses (excluding eliminated US costs) decreased 58% to A$3.1 million + Decreas
Slide 16: Underlying Group profit & loss
Underlying Group profit & loss Financial Performance (H1 FY26 underlying) H1 A$’M FY26 U + Table shows: Interest revenue 7.2 + Reported revenue and gross profit for continuing Finance product; For personal use only less Less: interest expense (2.6) NET INTEREST MARGIN 4.6 + Underlying operating expe
Slide 17: Group balance sheet
Group balance sheet A$’M 31 DEC 2025 30 JUNE 2025 $+/- %+/- + Cash: A$4.7 million unrestricted cash + A$10.1 million of ‘ACH Cash and cash equivalents 14.8 13.7 +1.1 +8% cash-in-transit’ (30 June 2025: A$6.9 / A$6.8 million); ACH cash in Restricted cash held in escrow 2.0 - +2.0 - transit is offset
Slide 18: Cash and liquidity breakdown
Cash and liquidity breakdown 31 DEC 30 JUNE A$M 2025 2025 $+/- For personal use only TOTAL CASH 16.8 13.7 +3.1 COMMENTS COMPRISING: UNRESTRICTED CASH ON HAND 4.7 6.9 -2.2 Operating cash to run the business RESTRICTED CASH HELD IN ESCROW 2.0 - +2.0 To be received as unrestricted cash on 11 September
Slide 19: Cash movements
Cash movements H1 FY26 CASH MOVEMENT A$M UNRESTRICTED CASH ON HAND AT 1 JULY 2025 6.9 For personal use only Gross cash from sale proceeds 40.2 Sale transaction costs -2.8 Funds from proceeds held in escrow and on deposit -3.8 Capital return to shareholders -28.5 Debt repayment and operating cashflow
Slide 20: H1 FY26 Group cash flow
H1 FY26 Group cash flow Reconciliation from profit/(loss) for the period to operating cash flow H1 H1 H1 H1 A$’M $+/- %+/- A$’M $+/- %+/- FY26 FY25 FY26 FY25 Net cash inflow/(outflow) from operating activities 0.1 (0.5) +0.6 +120% For personal use only Profit/(loss) for the period 36.4 (1.2) +37.6 +
Slide 21: H2 FY26 Outlook
For personal use only H2 FY26 OUTLOOK
Slide 22: Proposed Dividend of 0.5c per share
Proposed Dividend of 0.5c per share (approximately A$1.9m) + QuickFee proposes an Interim Dividend for the half-year ended 31 December 2025 (H1 FY26) of 0.5c per share, For personal use only partially franked at 27%. DIVIDEND DETAILS TIMETABLE Approximate number of Shares to 380 million Announcement
Slide 23: Outlook
Outlook Singular management focus on growing Finance in both AU and US + Streamlined back-office processes For personal use only + Leverage experience and success in AU into US + Aiwyn reseller agreement opportunity + Sole product focus for staff commissions + Negligible product development and cape
Slide 24: Questions
For personal use only QUESTIONS
Slide 25: Contact Details
CONTACT DETAILS For personal use only Simon Yeandle, CFO p: +61 2 8090 7700 e: simon.yeandle@quickfee.com Katie Mackenzie, Investor Relations p: +61 455 502 197 e: kmackenzie@belleviewir.com.au To post any questions or feedback on this presentation, we encourage investors to sign up to the QuickFee
Slide 26: 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 27: Appendix
For personal use only APPENDIX
Slide 28: Credit facilities as at December 2025
Credit facilities as at 31 December 2025 Viola credit facility For personal use only + A$68 million committed facility. + Optional expansion to A$118 million (subject to approval) + Drawn to A$47.6 million at 31 December 2025 + Interest margin of 6.5% plus BBSW + Secured against US & AU loan receiva
Slide 29: Reconciliation of segment results to group results
Reconciliation of segment results to group results A$’000 H1 FY26 H1 FY25 For personal use only AU EBTDA 1,951 2,113 US EBTDA BEFORE PROFIT ON SALE 1,293 771 SEGMENT EBTDA 3,244 2,884 UNALLOCATED OTHER INCOME 158 - UNALLOCATED GENERAL & ADMINISTRATIVE EXPENSES (668) (601) PRODUCT DEVELOPMENT EXPENSE
Slide 30: Historical metrics - US
Historical metrics - US FY23 FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) Q1 Q2 H1 Q3 Q4 H2 FY23 Q1 Q2 H1 Q3 Q4 H2 FY24 Q1 Q2 H1 Q3 Q4 H2 FY25 Q1 Q2 H1 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
Slide 31: US product profitability
US product profitability ACH Card Finance CONNECT Total For personal use only US$000s except volume H1 FY26 H1 FY25 H1 FY26 H1 FY25 H1 FY26 H1 FY25 H1 FY26 H1 FY25 H1 FY26 H1 FY25 Volume US$ M 227 579 45 126 11.1 16.7 283.1 721.7 Financing revenue (interest) - - - - 1,011 1,313 - - 1,011 1,313 Payme
Slide 32: Historical metrics - AU
Historical metrics - AU FY23 FY24 FY25 FY26 TOTAL TRANSACTION VOLUMES (TTV) Q1 Q2 H1 Q3 Q4 H2 FY23 Q1 Q2 H1 Q3 Q4 H2 FY24 Q1 Q2 H1 Q3 Q4 H2 FY25 Q1 Q2 H2 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$M A$M A$M A$M PAY NO
Slide 33: AU product profitability
AU product profitability EFT & card Financing BNPL Total For personal use only A$000s except volume H1 FY26 H1 FY25 H1 FY26 H1 FY25 H1 FY26 H1 FY25 H1 FY26 H1 FY25 Volume A$ M 53 44 30.6 31.7 2.7 2.8 86.3 78.5 Financing revenue (interest) - - 5,430 4,944 275 191 5,705 5,135 Payments and other revenu
Slide 34: 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