Centrepoint Alliance Limited · ASX:CAF
Centrepoint Alliance — Investor Presentation (February 2026)
27 slides from Centrepoint Alliance's investor presentation, Feb 24, 2026
Slide 1: H1 FY26 Results Presentation
H1 FY26 RESULTS PRESENTATION John Shuttleworth, CEO Brendon Glass, CFO 24 February 2026
Slide 2: Disclaimer
DISCLAIMER This presentation is for general information purposes only and should be read in conjunction with the Half Year Financial Report for six months ending 31 December 2025 and the Appendix 4D lodged with the Australian Securities Exchange by Centrepoint Alliance Limited (ASX:CAF) on 24 Februa
Slide 3: What We Will Cover
WHAT WE WILL COVER 1 Highlights for H1 2026 2 Licensee growth and pipeline 3 Salaried advice productivity 4 Managed accounts and IconiQ Platform 5 Lending simplification – divestment of aggregation business 6 Artificial Intelligence – tailwinds it is creating 7 Detailed financial results 8 Earnings
Slide 4: Results and Business Update
RESULTS AND BUSINESS UPDATE John Shuttleworth, CEO
Slide 5: Key Highlights for H1 FY26
KEY HIGHLIGHTS FOR H1 FY26 • H1 FY26 EBITDA1 of $6.2m, representing a 17% increase on H1 FY25 Continued • Strong Organic Growth and Market Position – Centrepoint Alliance has increased its market ranking to strong earnings the number 2 licensee in the market, driven by continued adviser recruitment
Slide 6: Snapshot of H1 FY26 Results
SNAPSHOT OF H1 FY26 RESULTS $179.4m $21.5m $6.2m Gross revenue Net revenue EBITDA1 $19.8m $1.4m +12% +7% $0.9m on H1 FY25 on H1 FY25 +17% on H1 FY25 $3.5m Net profit before tax $11.5m Interim Dividend statutory Cash -$1.4m -29% on H1 FY25 at 31 December 2025 1.25¢ $4.5m Cash & cash equivalents decli
Slide 7: Centrepoint Continues to Grow and Take Market Share
CENTREPOINT CONTINUES TO GROW AND TAKE MARKET SHARE CHANGES IN ADVISER NUMBERS BY LICENSEE 1/7/2025 TO 31/12/2025 NUMBER NET 1 2 RANK LICENSEE GROUP OF ARS APPOINTMENTS RESIGNATIONS CHANGE • Centrepoint continued to record strong 1 Insignia 1,082 62 78 -16 organic net growth in the 1st half 2 587 41
Slide 8: Centrepoint Capturing 24% of Advisers Switching to Larger Licensees
CENTREPOINT IS CAPTURING 24% OF ADVISERS SWITCHING TO LARGER LICENSEES WITH A STRONG RECRUITMENT PIPELINE ADVISERS SWITCHING TO A TOP 10 LICENSEE GROUP A STRONG RECRUITMENT PIPELINE WITH 16 CONFIRMED TRANSITIONS UNDERWAY Proposal / Offer accepted / Onboarded Due diligence Onboarding between 1/1/26 a
Slide 9: Salaried Advice Business Delivered Strong First-Half Performance
THE SALARIED ADVICE BUSINESS DELIVERED A STRONG FIRST-HALF PERFORMANCE, DRIVEN BY IMPROVEMENTS TO ADVISER PRODUCTIVITY AND THE INTEGRATION OF BRIGHTER SUPER KEY DRIVERS SALARIED ADVICE REVENUE $m • Adviser fee adjusted to align with service $5.2m $0.6m $0.1m • Brighter Super integration $0.3m • Clie
Slide 10: Scaling Salaried Adviser Base to Benchmark Productivity Unlocks $4.5M
SCALING CURRENT SALARIED ADVISER BASE TO BENCHMARK PRODUCTIVITY UNLOCKS ADDITIONAL $4.5M IN REVENUE PRODUCTIVITY BENCHMARKING AND UPLIFT PLAN Illustrative $ INDIVIDUAL ADVISER REVENUE TOTAL BUSINESS REVENUE $15.0m $10.5m Performance uplift plan includes transitioning to $8.5m optimal client base and
Slide 11: With Increased Scale Margins Will Continue to Improve
WITH INCREASED SCALE MARGINS WILL CONTINUE TO IMPROVE PRODUCTIVITY BENCHMARKING AND UPLIFT PLAN Illustrative INDIVIDUAL ADVISER REVENUE TOTAL BUSINESS REVENUE $15.0m $10.5m Performance uplift plan includes x18 transitioning to $8.5m optimal client base $6.8m and standardising fee models $4.0m Contri
Slide 12: Adviser Adoption of Managed Accounts and IconiQ Platform Increasing
ADVISER ADOPTION OF MANAGED ACCOUNTS AND ICONIQ PLATFORM IS INCREASING – FUM / FUA + 72% ON PCP SEPARATELY MANAGED TOTAL FUNDS UNDER MANAGEMENT ICONIQ PLATFORM – EARLY ADOPTION ACCOUNTS $m $565 • Fastest growing segment • 55 early-adopter advisers with estimated $5.5b1 in funds under advice of marke
Slide 13: Divesting Non-Core Lending Aggregation to Focus on Adviser Services
DIVESTING NON-CORE LENDING AGGREGATION TO FOCUS ON ADVISER SERVICES, WITH LENDING AS A SERVICE RETAINED • Centrepoint to divest its lending aggregation business to Astute excluding the back-book revenue which shall remain with Centrepoint, partially exiting a sub-scale business that is non-core to o
Slide 14: AI Is a Structural Tailwind for Our Business Model
AI IS A STRUCTURAL TAILWIND FOR OUR BUSINESS MODEL WE ARE INVESTING IN INFRASTRUCTURE, GOVERNANCE AND ORGANISATIONAL CAPABILITY PHASE 3 AI ENABLEMENT PRIORITIES ROADMAP PHASE 2 Transformation Efficiency & Automation Challenging the Status Quo • Automating Statement of Advice (‘SoA’) and Business Mod
Slide 15: Financial Results
FINANCIAL RESULTS Brendon Glass, CFO
Slide 16: EBITDA Up 17% on PCP Driven by Salaried Advice and Adviser Fee Uplift
EBITDA1 UP 17% ON PCP DRIVEN BY SALARIED ADVICE AND ADVISER FEE UPLIFT • Gross revenue $179.4m up 12% PCP • Net revenue $21.5m up 7% PCP • EBITDA1 $6.2m up 17% PCP • Cost to income ratio 71% improving from 74% • NPBT of $3.5m (H1 FY25: $4.9m), reflecting the one-off release of contingent considerati
Slide 17: Continued Net Revenue Growth and Disciplined Expense Management
CONTINUED NET REVENUE GROWTH AND DISCIPLINED EXPENSE MANAGEMENT DRIVES EARNINGS INCREASE Net Revenue movement ($m) Key net revenue movements (vs. PCP): $0.4 • Salaried Advice up $1.0m primarily driven by: $21.5 $1.0 − $0.6m from Brighter acquisition in June 2025 − $0.3m higher due to fee increases a
Slide 18: Core Business Scaling Efficiently Complemented by Higher Margin Salaried Advice
CORE BUSINESS SCALING EFFICIENTLY COMPLEMENTED BY IMPACTFUL HIGHER MARGIN SALARIED ADVICE ACQUISITIONS $25.0 29% 30% 26% 25% 23% 25% -10% $20.0 $2.6 • EBITDA1 margin up from 23% H1 FY23 to 29% H1 CAGR $2.5 FY26 driven by salaried advice growth and diligent expense management $5.2 20% +48% $15.0 $3.0
Slide 19: Disciplined Cost Control Across the Business
DISCIPLINED COST CONTROL ACROSS THE BUSINESS 85% 122 121 119 77% 120 75% • Cost to Income ratio down from 77% H1 FY23 to 75% 74% 71% H1 FY26 driven by efficient revenue scaling 65% 105 71% 100 and labour synergies from acquisitions 55% 53% 52% 52% 51% • Expenses down to 51% of Net Revenue despite 80
Slide 20: Stable Balance Sheet with Adequate Leverage
STABLE BALANCE SHEET WITH ADEQUATE LEVERAGE 31Dec24 30Jun25 31Dec25 • Cash & cash equivalents declined from 30 June 25 by As at ($m) ($m) ($m) $2.2m primarily due to $4.5m in cash from operations Cash & Cash Equivalents 9.2 13.7 11.5 generated in H1 FY26 and permanent cash outflows of: Trade & Other
Slide 21: Strong First-Half Cash Performance Generating $4.5M from Operations
STRONG FIRST-HALF CASH PERFORMANCE GENERATING $4.5M IN CASH PROVIDED BY OPERATIONS Cash movement H1 FY26 $6.0m $0.2m $1.3m $0.2m $1.5m $0.8m $13.7m $3.5m $11.5m $1.2m H1 FY26 Cash from One-Off Costs Working Capital Income taxes Interest Income Net Bank Loan Dividend Paid Other (PP&E, H1 FY26 Closing
Slide 22: Outlook
OUTLOOK CENTREP®@INT ALLIANCE
Slide 23: Summary and Outlook
SUMMARY AND OUTLOOK Centrepoint enters the second half with strong • Strong recruitment pipeline and conversion provides confidence that Centrepoint will continue to attract advisers and continue to recruitment momentum, organically grow revenue improving salaried • Salaried Advice productivity and
Slide 24: Questions
CENTREPGINT ALLIANCE QUESTIONS
Slide 25: Appendices
CENTREPGINT ALLIANCE APPENDICES
Slide 26: Corporate Snapshot
CORPORATE SNAPSHOT EXPERIENCED AND INVESTED CAPITAL STRUCTURE LEADERSHIP TEAM TOP SHAREHOLDERS Shares held Investors ASX stock code CAF Board & Management Role as at 15/01/26 As at 15/01/2026 Shares held (% of SOI) Cash balance as at 31 Dec 2025 $11.5m Mr Georg Chmiel Chairman 0.97m (0.5%) Thorney I
Slide 27: EBITDA Up 17% on PCP Driven by Salaried Advice and Adviser Fee Uplift
EBITDA3 UP 17% ON PCP DRIVEN BY SALARIED ADVICE AND ADVISER FEE UPLIFT H1 FY25 H2 FY25 H1 FY26 PCP COMPARATIVES For the period ($m) ($m) ($m) Gross Revenue 159.6 166.4 179.4 • Gross revenue up $19.8m (12% PCP) primarily driven by higher adviser fees from adviser recruitment and recurring licensee fe
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