Spenda Limited · ASX:SPX
Spenda — Q2 2026 Earnings Presentation
23 slides from Spenda's earnings presentation, Feb 2, 2026
Slide 1: Investor Presentation
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Slide 2: Introducing our new Board Members
Introducing our new Board Members
Slide 3: Karim Razak, Executive Chair
Karim is a Sydney based business owner and investor with over a decade of experience building, scaling and exiting businesses across multiple industries. He has founded and grown companies independently and without external capital, leading them from early- stage operations through to national scale
Slide 4: James Matthews
James Matthews is a technology, marketing and growth-focused business leader with over a decade of experience founding, scaling, and exiting multi-million-dollar businesses across Australia and Asia. He has built and scaled companies independently, without external capital, leading them from incepti
Slide 5: Q1 Recap
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Slide 6: CEO Summary
CEO Summary Key areas of focus: • Simplifying the business, • Implementing the new 3 pillar product strategy • Strong Sales and Marketing strategy • Resizing the business with the correct cost base and correct structure • Stabilising product - ready to scale from February • Manage change without imp
Slide 7: Focus on execution.
What is different now? Aligned simplified product vision – Can be quickly executed Focus on Laser focus on recurring revenue execution. Highly motivated leadership team Sensible cost base implemented
Slide 8: 3 pillar product strategy recap and new terminology
3 pillar product strategy recap and new terminology 3 core products lines focused on immediate revenue and removing key customer reliance. Spenda Retail Spenda Pay Spenda Ledger • Roadmap removed • Rolling in Swift Statement • Building dashboard • Focus on product quality • Building in rewards • Enh
Slide 9: Quarterly Results
Quarterly Results December 2025
Slide 10: Consistent quarterly growth in payments volume
Consistent quarterly growth in payments volume 250000 200000 FY25 $464m 150000 FY24 $250m 100000 FY23 $96m 50000 0 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26
Slide 11: Consistent growth in cash receipts
Consistent growth in cash receipts FY25 $11.5m $4,000 $3,500 $3,000 FY24 $5.4m ($,000) $2,500 $2,000 FY23 $3.5m $1,500 $1,000 $500 $0 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26
Slide 12: Comparison – Target Versus Actual
Comparison – Target Versus Actual DEC - Target Dec - Actual Difference Total Revenue (cash receipts) $2,400,000 $2,800,000 +$400K Total Payment Flow (TTV) $208M $227M +$19M SME Funding $4.6M $4.7M +$100K Growth 9% 33% +24%
Slide 13: Quarterly Operational Update
Quarterly Operational Update
Slide 14: Tight Cost Management
Tight Cost Management Cost Savings Initiatives Implementation of cost saving initiatives since change in Leadership of circa $3.85M PA. Importantly, savings will have no impact on the company’s ability to meet its business objectives.
Slide 15: Spenda Retail
Spenda Retail One platform to quote, track jobs, bill clients, and process payments. Types of opportunities: Trades & Building Home Improvement Commercial Cleaning & Supplies & Services Supplies & Services Facilities Management • Plumbing, electrical, and • Flooring, furniture and • Office and indus
Slide 16: Spenda Ledger
Spenda Ledger One platform to handle payments and lending. Types of opportunities: 01 02 03 Continuous build of White-labelled Payments Platform Licensing our current platform for Marketplaces Opportunities • Growth in travel product • Targeting marketplaces Payment orchestration and that offer paym
Slide 17: Spenda Retail & Spenda Ledger Sales and Marketing Update
Spenda Retail & Spenda Ledger Sales and Marketing Update Sales function established Sales Narrative simplified Formally commenced sales activity for Clearer sales pitch developed. Spenda Retail and Ledger. Targeted customer engagement Product demos underway Sales efforts focused on businesses that L
Slide 18: Spenda Pay (AP)
Spenda Pay (AP) One platform to securely pay invoices and earn reward points. What this product does: Pays bills and adds Turns invoices into Checks payment rewards digital format security Let's businesses earn credit card No manual typing needed Confirms supplier identity points when paying invoice
Slide 19: Spenda Pay: Sales and Marketing Update
Spenda Pay: Sales and Marketing Update Capricorn Engagement Broker Networks General SME Engagement Starting: February 2026 Starting: February 2026 Starting: March 2026 Objective: Move existing SwiftStatement users Objective: : Use lending as the entry point to bring Objective: Introduce Spenda Pay t
Slide 20: Path to success
Path to success 01 02 03 04 QE Dec 25 QE March 26 QE June 26 QE Sept 26 • Cost cutting exercise • Launch new Spenda Pay • Scale Spenda Pay product • Implement 2027 Strategy • New product strategy – product • Scale Retail cohorts • Scale Spenda Pay Product commercialisation focus only • Launch Ledger
Slide 21: Adopt a dual-interface AI architecture
Spenda’s AI Evolution Positioning Statement “We do not let AI move money. We let AI help us decide how money should move.” Adopt a dual-interface AI architecture Key Principles: • AI never executes irreversible actions Internal AI Agent SPI • All AI decisions are explainable and auditable • Context
Slide 22: Questions?
Questions?
Slide 23: Thank you.
Thank you. Authorised for release by the CEO spenda.co Spenda Limited 1300 682 521 sales@spenda.co