Slide 1: Q4 FY26 Business Update
QUICKFEE For personal use only Q4 FY26 BUSINESS UPDATE 21 July 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle
Slide 2: Q4 FY26 Results Overview
Q4 FY26 Results Overview Australian Finance TTV up 40% on pcp; expanded debt facility + GROUP REVENUE OF $4.4M Q4 FY26 PERFORMANCE2 Q4 FY26 Q4 FY25 MOVEMENT For personal use only + EBTDA POSITIVE IN Q4 FY26 REVENUE US FINANCE (PAY OVER TIME) US$ 0.5 M US$ 0.7 M -29% US PAY NOW (ACH & CARD) vs report
Slide 3: Q4 FY26 Highlights
Q4 FY26 Highlights Quarterly revenue of A$4.4m, in line with normalised pcp (excluding US Pay Now) For personal use only + AU Finance revenue up 14% on pcp to A$3.3 million + US Finance revenue down 29% on pcp to US$0.5 million Australian total loan origination (TTV) up 40% on pcp to $25.1 million +
Slide 4: 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 5: 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 6: Strong and stable net interest margin of 15.3%
Strong and stable net interest margin of 15.3% GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS) For personal use only 15.3% 15.3% 15.0% 14.8% 14.6% 14.6% 14.4% 14.1% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 LTM NIM + Q4 FY26 revenue flat vs normalised pcp + Group NIM stead
Slide 7: Expanded debt facility to fund future loan book
Expanded debt facility to fund future loan book + AUD facility expanded from A$45 million to A$60 million For personal use only + Strong endorsement of business model and low credit losses in accounting and law + USD facility at US$15 million with expansion capacity to US$30 million (subject to appr
Slide 8: Australia: Strong Growth in Legal
For personal use only AUSTRALIA: STRONG GROWTH IN LEGAL
Slide 9: AU: Q4 FY26 Finance revenue up 14% on pcp
AU: Q4 FY26 Finance revenue up 14% on pcp + AU Finance revenue up 14% to A$3.3 million (Q4 FY25: A$2.9 million) For personal use only + AU Finance TTV up 40% on pcp + Finance revenue yield down 300 bps on pcp to 13.0%, primarily due to high TTV in Q4 FY26 with a large portion of interest income stil
Slide 10: United States: Focus on Reseller Channel
For personal use only UNITED STATES: FOCUS ON RESELLER CHANNEL
Slide 11: US: Q4 FY26 Finance revenue down 29% on pcp
US: Q4 FY26 Finance revenue down 29% on pcp + US Finance TTV down 8% on pcp to US$4.4 million; Finance revenue down 29% on pcp to US$0.5 million For personal use only (Q4 FY25: US$0.7 million) + Growth potential in Aiwyn reseller volumes + QuickFee’s US Finance offering to be embedded into Aiwyn’s p
Slide 12: FY26 Performance and Outlook
For personal use only FY26 PERFORMANCE AND OUTLOOK
Slide 13: FY26 Performance Overview
FY26 Performance Overview Underlying revenue down 1% on pcp1 + LIKE-FOR-LIKE REVENUE OF For personal use only FY26 PERFORMANCE2 FY26 FY25 MOVEMENT A$16.8M, DOWN 1% ON PCP1 REVENUE US FINANCE (PAY OVER TIME) US$ 2.1 M US$ 3.0 M -30% A$8.2M* A$1.6M* US PAY NOW (ACH & CARD) vs reported pcp US$ 1.0 M US
Slide 14: FY26 Earnings Guidance
FY26 Earnings Guidance QuickFee provides the following guidance on its results for the full financial year ended 30 June 2026 For personal use only FY26 FY25 A$ expected reported REVENUE 18.4 M 25.3 M OPERATING EXPENSES (7.5 M) TO (8.0 M) (13.9 M) UNDERLYING EBTDA 3.75 M TO 4.25 M 2.4 M NON-RECURRIN
Slide 15: 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 + Stable cost base with negligible product development and capex requirements moving
Slide 16: 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 17: 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 18: Appendix
For personal use only APPENDIX
Slide 19: 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 20: AU operational metrics: Q4 FY26 & FY26
AU operational metrics: Q4 FY26 & FY26 For personal use only www.quickfee.com 21 July 2026 19
Slide 21: US operational metrics: Q4 FY26 & FY26
US operational metrics: Q4 FY26 & FY26 For personal use only www.quickfee.com 21 July 2026 20
Slide 22: AU & US Finance revenue: Q4 FY26 & FY26
AU & US Finance revenue: Q4 FY26 & FY26 AUSTRALIA For personal use only US www.quickfee.com 21 July 2026 21