Announcement PDF Level 9, 2 Bulletin Place, Sydney NSW 2000 Raiz Invest Limited ABN 74 615 510 177 Q4 FY26 Results Overview Strong growth in Active Customers & Funds Under Management Coffee Microcaps Webinar 7th August 2026 Raiz Invest : A Wealth Platform for all Australians 351,362 Active Customers At 30 June 2026 $$2.32 bn FUM At 30 June 2026 2 Raiz is a Wealth Platform for all Australians Our Vision: To allow all Australians to achieve financial well-being, regardless of their situation. Winner 2026: Round-Up Investing | Kids Investing Excellent Rates & Fees | Digital Innovation of the Year Industry Recognition https://www.wemoney.com.au/wemoney-investment-awards-2025-winners https://www.superratings.com.au/2026/07/17/media-release-fy26-top-super-returns-revealed/ * SuperRatings: Within the Balanced category for the 2nd consecutive year, delivering a return of 13.4% after investment fees and taxes in FY26 Raiz Invest Super Moderately Aggressive ranked # 1 by SuperRatings* 3 *Source: ABS, ASX (ASX Australian Investor Study 2023), Investment Trends (2023 1H Online Investing Report), IBISworld, Apple App Store (Accessed August 2022). KIDS: 10% GEN Z: 14% MILLENNIAL: 51% GEN X: 20% BOOMERS: 5% EARLY CAREER UNDER 18 PAYING OFF DEBT GROWING WEALTH STARTING RETIREMENT Maximising customer lifetime value Raiz Kids Raiz Invest Super Raiz Invest – Lite, Regular, Plus and SMSF Accounts Raiz Rewards Raiz Academy Ambitious Product Roadmap – US-listed equities &ETFs, Direct ASX trading, instant payments plus MORE Raiz Jars AI Driven customer experience enhancements Maximising Customer Lifetime Value 4 Raiz Rewards Raiz Invest Super Raiz Plus Raiz Invest Raiz Kids Raiz Lite Raiz Academy Raiz Jars Award-Winning Fintech Innovation FY27 In Progress Direct Trade: US listed equities & ETFs and direct ASX trading 5 Key Highlights Q4 FY261 Results • Active Customers2 of 351,362 up 6.7% YOY • ARPU3 of $86.86 up 12.5% YOY • FUM of $2.32bn up 27.5% YOY • Cash balance of $15.4 million at 30 June 2026 • FY26 guidance confirmed: for UEBITDA in the range of $4.5m - $5.5m5 1. The results presented in this Business Update are unaudited. Raiz reports revenue, profitability and cashflow metrics in the half year and full year results. 2. Active Customers are fee paying accounts. 3. Annualised Revenue Per User (ARPU) is calculated as (quarterly revenue x 4)/(average Active Customers in the quarter). The ARPU presented in this update is based on Q4 FY26 revenue and may differ from the full-year ARPU for FY26. 4. Media release: FY26 top super returns revealed - SuperRatings. Past performance is not an indicator of future performance. 5. FY26 UEBITDA is subject to audit . UEBITDA is a non IFRS measure which represents Earnings Before Interest, Tax, Depreciation Amortisation (EBITDA) adjusted to exclude non-recurring items and share-based payments expense Raiz Invest Super Moderately Aggressive ranked #1 by SuperRatings in the Balanced category for the second consecutive year, delivering a return of 13.4% after investment fees and taxes in FY264 2026 Winner of two WeMoney Superannuation Awards Digital Innovation of the Year Excellent Rates & Fees 6 Active Customers & Portfolios Q4 FY26 Q4 FY25 YOY % Q3 FY26 QOQ % Active Customers 351,362 329,277 6.7% 340,222 3.3% Super Customers 15,792 13,965 13.1% 15,196 3.9% Plus Portfolios 51,179 42,820 19.5% 49,313 3.8% Kids Portfolios 69,347 54,961 26.2% 65,264 6.3% Jars Portfolios 42,545 22,079 92.7% 38,331 11.0% Average Balance ($) 6,609 5,530 19.5% 5,996 10.2% • Raiz delivered a strong quarter of Active Customer growth, adding 11,140 new customers, up 3.3% QOQ. • Growth in April was particularly strong with positive momentum maintained through the quarter. • ARPU was up 12.5% YOY to $86.86, driven by maintenance fee increases and growing FUM. • The average account balance increased by 19.5% YOY (QOQ: 10.2%) to $6,609. 7 Active Customers • Active Customers increased 6.7% YOY, with strong growth in Plus and Kids portfolios, up 19.5% and 26.2% YOY respectively. • Super Customers increased to 15,792, up 13.1% YOY and 3.9% QOQ and Jars portfolios increased to 42,545, up 92.7% YOY and up 11.0% QOQ. • The Lite plan, designed for first-time investors, has grown to 8,569 customers, up 46.1% QOQ 8 Total Funds Under Management (FUM) Q4 FY26 Q4 FY25 YOY % Q3 FY26 QOQ % Total FUM $2.32b $1.82b 27.5% $2.04b 13.8% Super FUM $495.6m $387.6m 27.9% $437.8m 13.2% Plus FUM $424.1m $296.7m 42.9% $358.3m 18.4% Kids FUM $122.6m $79.4m 54.4% $103.1m 18.9% Property FUM $33.3m $29.6m 12.5% $32.6m 2.1% • Total FUM was up 27.5% YOY and 13.8% QOQ to $2.32bn. Kids FUM continues to grow strongly, up 54.4% YOY and 18.9% QOQ, supported by the significant proportion of recurring deposits and the typically low level of withdrawals. 9 FUM ($ million) & Netflows ($ million) • Q4 FY26 net flows of $54m primarily reflect recurring deposits, which are relatively steady over time. FUM ($ million) at end of June 2026 Netflows ($ million) at end of June 2026. . 10 Initiatives in Progress • Raiz is continuing with the following initiatives in FY27: • Instant payments for live trading: Real-time account funding and withdrawals, enabling faster access to investing • US-listed equities & ETFs: Direct access to investing in the US market • Direct ASX trading: Infrastructure development underway to enable direct single HIN trading for greater flexibility and direct ownership • The launch timing and go-to-market plan for US listed equities & ETFs and direct ASX trading continues to be refined. In late Q4 FY26, work commenced with a fresh lens to better understand how to improve new customer acquisition, onboarding, conversion and activation. Moving forward – key areas of focus will be on developing AI capabilities to enhance customer onboarding and engagement and also expanding partnerships. 11 Opportunity Active Customers 351k Plus Plans Reward Users Super Users Opportunity Opportunity Kids Portfolios Opportunity Jar Portfolios Opportunity 1. Acquire new customers * 2. Re-engagement & cross-promotion The Opportunity * Source: ABS, ASX (ASX Australian Investor Study 2023). 12 CEO Ambition & Growth Priorities • Raiz has a solid foundation of Active Customers, FUM, a strong balance sheet and market-leading products for first-time investors. • Ambition: accelerate growth through improved internal processes, disciplined execution, expansion of thought leadership content and selective M&A that accelerates distribution or enhances our product suite. • Progressing key AI and Data product development to deepen engagement and increase customer lifetime value; seamless onboarding is a key enabler for growth. • Placing greater emphasis on strengthening project delivery and enhancing leadership capability to lift performance and support the pace of execution required. • Fostering a culture of ambition, accountability and execution to enhance customer outcomes, strengthen market position and deliver sustainable long-term shareholder value. • Ambition will be a key driver of innovation, performance and strategic decision-making across the business 13 This presentation has been prepared by Raiz Invest Limited (ACN 615 510 177) (RAIZ). 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As such, undue reliance should not be placed on any forward-looking statement and RAIZ assumes no obligation to update such information. Past performance is not necessarily a guide to or a reliable indicator of future performance. Nothing contained in this presentation nor any information made available to you is, or can be relied upon as, a promise, representation, warranty or guarantee, whether as to the past, present or future. This presentation is not a prospectus, product disclosure statement or any other disclosure document under Australian law or any other law. It does not constitute financial product advice or an offer or invitation to subscribe for or purchase any Shares or an offer for subscription or purchase of any Shares nor is it a solicitation to engage in or refrain from engaging in any acquisition of Shares or other associated derivatives transaction nor will anything contained in it form the basis of any offer, contract or commitment. 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Such financial information has not been prepared in accordance with disclosure requirements of applicable accounting standards and other mandatory reporting requirements in Australia. All references to dollars, cents or $ in this presentation are to AUD currency, unless otherwise stated. Important Notice & Disclaimer 14 Investor and Media Enquiries: Craig Keary CEO M: + 61 4 00 4 66 715 E: ir@raizinvest.com.au Katie Mackenzie Investor Relations M: +61 4 55 502 197 E: kmackenzie@belleviewir.com.au (ASX:RZI)