Announcement PDF Level 9, 2 Bulletin Place, Sydney NSW 2000 Raiz Invest Limited ABN 74 615 510 177 FY26 Full Year Financial Results 27 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-2026-winners https://www.wemoney.com.au/wemoney-superannuation-awards-2026-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 Financial Metrics FY26 Financial Highlights1 Strong revenue growth driving sustainable profitability Core Business Drivers Revenue $29.2m 21% Underlying EBITDA2 $5.5m 93% Operating Cashflow4 $5.1m Cash $15.4m 18% Active Customers 351,362 7% ARPU3 $85.87 13% FUM $2.3bn 28% Netflows $219m 4% 30% 1. All percentage movements are versus the prior corresponding period (FY25), unless otherwise stated. 2. Raiz’s preferred (non-IFRS) measure to assess the operating performance of the business is Underlying Earnings Before Interest, Tax, Depreciation and Amortisation (UEBITDA), being EBITDA adjusted to exclude non-recurring items and share-based payments expense. 3. Average Revenue Per User (ARPU) is calculated as full year revenue divided by the average Active Customers, being the simple average of Active Customers at the beginning and end of the financial year. 4. Operating Cashflow from continuing operations. Free cash flow (net of capex) of $2.66m (FY25: $0.85m). Refer to Appendix on page 25-26. 4 Accelerating Momentum in Core Business Drivers FUM ($m) Active Customers (#) • Active Customers increased 6.7% in FY26 • FUM growth from net inflows plus positive market movement • Growth in FUM across all portfolios 5 Strong Growth in Revenue Driven by ARPU • Revenue up 21.4% outpacing customer growth of 6.7%, growing at Four-year CAGR of 15.1%. • ARPU up 13.5% to $85.87, growing at Four-year CAGR of 9.7%. • Key factors contributing to ARPU growth: • Fee increase effective August 2025 • Growth in higher revenue products (Raiz Plus and Raiz Super) • Higher account balances driving FUM-based fees Innovation Driving Increased Customer Engagement Kids FUM ($m) Plus FUM ($m) 7 Raiz Rewards Raiz Invest Super Raiz Plus Raiz Invest Raiz Kids Raiz Lite Raiz Academy Raiz Jars Evolving into a Broader Wealth Platform FY27 In Progress Direct Trade: US-listed equities & ETFs and direct ASX trading FY26 Financial Results Core Drivers Delivering Strong Financial Performance 9 • Revenue increased by 21% to $29 million. • Underlying operating expenses up 12% to $23.8m. • Underlying EBITDA of $5.5m, up 93%, at a 19% margin (FY25: 12%). • The 2H NPBT result includes non-recurring CEO transition and corporate advisory option expenses of $1.3m (excluded from underlying EBITDA). • Statutory NPAT of $3.5m includes a $3.2m non- cash tax benefit from recognition of prior year carried-forward losses (per disclosure in 1HFY26 results). A$’0005 FY26 FY25 % vs FY25 Revenue 29,223 24,067 21 Operating expenses (23,765) (21,236) (12) UEBITDA 5,458 2,831 93 Underlying EBITDA Margin (%) 19% 12% +7pp NPBT 369 (330) 212 Tax benefit 3,168 261 Large Net loss from disc. ops - (296) 100 Statutory NPAT 3,537 (365) Large 5. To be read in conjunction with the Financial Report for the year ended 30 June 2026. Half-year comparatives (1HFY26 and 2HFY26) are set out in the Appendix, pages 25–26. Strong Growth in UEBITDA 10 93% growth in UEBITDA: • 6.7% increase in Active Customers • 13.5% increase in ARPU • Positive jaws driving UEBITDA margin of 18.7% (FY25: 11.8%) with 2HFY26 margin of 19.2% • Three consecutive years of positive UEBITDA Positive Operating and Free Cashflow 11 A$’0006 FY26 FY25 % vs FY25 Operating cash flows 5,140 3,955 30 Development costs (Capex) (2,482) (3,104) 20 Free cash flows (FCF) 2,658 851 212 Operating cash flows (disc. ops) - (1,234) 100 Other Investing cash flows - (27) 100 Capital raising proceeds - 3,944 (100) Other financing cash flows (287) (245) (17) Net increase in cash 2,371 3,289 (28) Cash at end of the period 15,398 13,027 18 • Operating cash flow of $5.1m, up 30% (FY25: $4.0m), representing 94% conversion of underlying EBITDA (FY25: 140%7). • Development costs of $2.5m, down 20% (FY25: $3.1m). • Free cash flow of $2.7m, up from $0.9m, driven by underlying earnings growth and lower development costs. • Closing cash of $15.4m (FY25: $13.0m). • No corporate debt. 6. To be read in conjunction with the Financial Report for the year ended 30 June 2026. Half-year comparatives (1HFY26 and 2HFY26) are set out in the Appendix, pages 25–26. 7. FY25 cash flow conversion ratio was attributable to the non-cash advertising contra arrangement with Seven West Media. Transformation to Deliver on Ambition 13 FY27 Focus: Positioning Raiz for Sustainable Growth Raiz has a solid brand and foundation as a micro- investing platform with: • strong customer engagement • recognised technology capability • proposition that reduces barriers to saving and investing. The transformation will enable stronger capability, execution, performance and internal processes. Raiz is building a wealth management platform delivers: • customer innovation • disciplined execution • broader customer lifecycle Transform from Micro-investing Platform to Wealth Management Platform 14 Transformation Program: Four Key Focus Areas Customer acquisition, conversion and lifetime value • Implementing the systems, processes and capabilities and strengthening customer engagement and marketing enablement Brand evolution and market positioning • Repositioning the Raiz brand to reflect its evolution to a broader wealth platform AI-enabled customer engagement • Incubating, testing & launching AI-enabled tools that improve customer engagement, personalisation and the overall customer experience Broader wealth platform enablement • Assessing opportunities and features that provide customers with greater choice, utility and flexibility within the Raiz ecosystem. Raiz’s strong capital position supports investment in the business The right capability is directed towards the highest-priority activities and the transformation strengthens the business without embedding unnecessary ongoing costs. 15 Transformation Program Enhancing leadership capability Building a high-performance culture Improving internal processes Exploring strategic M&A opportunities Enabled by critical shifts under new leadership 16 • Consistency – accountability, integrity and composure. • Openness – curiosity, humility and empowerment. • Courage – candour, decisiveness and excellence. These behaviours represent the minimum standard expected of leaders at Raiz, rather than an aspiration. The Charter will be embedded into recruitment and development, role descriptions, performance assessment, one-on- one discussions, employee engagement measures and succession planning. Building a High-Performance Culture The Raiz Leadership Charter will underpin the leadership and cultural changes required for sustainable growth. The three pillars for high-performance leadership are: 17 Innovating Towards a Broader Wealth Platform • The proposed go-to-market approach will be staged: • initially cross-selling the capability to existing Raiz customers; • subsequently targeting new customers; and • then expanding promotion to the broader market. • Australian share trading is planned to follow the US equities and ETF launch8. • Greater discipline will be applied to project planning and delivery. The launch of US-listed equities & ETFs and direct ASX trading remain a high priority for FY27 8. Subject to final sequencing, capability and delivery considerations. 18 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). 24% of Gen Z Australians invest regularly, almost one-quarter of the generation. 91% of those investing started within the past five years, showing recent growth in participation. 27% are saving specifically to invest in shares or property. 23% automate their savings from each pay cycle, supporting regular wealth-building habits. 23% have multiple income streams, compared with 15% of Gen X and 10% of Baby Boomers. 87% use some form of savings strategy. Why it matters for Raiz: Gen Z is adopting regular, technology-enabled saving and investing at an early age. This aligns strongly with Raiz’s proposition of helping customers invest smaller amounts regularly and build long-term wealth through consistent habits. 19 Regular Investing Among Gen Z Australians Research indicates that regular investing is becoming an increasingly established behaviour among younger Australians: Source: https://newsroom.ing.com.au/gen-zs-money-balancing-act-confident-yet-only-1-in-5-are-prepared-for-the-unexpected-with-an-emergency-fund/ $150bn Transferred through inheritances In 2024 $5.4tn Projected between generations Over next 20 years 20 Building a Trusted Brand with Next Generation of Investors – Beneficiaries of the Wealth Transfer Simple to set up. Small, regular contributions compounding over time. Why Raiz Kids is positioned to support this Source: https://ministers.treasury.gov.au/ministers/andrew-leigh-2025/speeches/address-cpa-australia-profit-purpose-conference-2026-melbourne Family can all contribute. Engaging early – building the relationship for life. 21 *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 and Plus 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 22 Exploring Strategic M&A Opportunities • The primary focus will be on opportunities that: • expand or accelerate distribution capability; • increase customer reach; • accelerate the product roadmap; • add relevant technology, talent or organisational capability; and • create sustainable value for customers and shareholders. Management will continue to explore selective M&A and other strategic opportunities that have the potential to accelerate Raiz’s strategy. Any opportunity will be assessed against clear strategic, financial, operational and execution criteria 23 This presentation has been prepared by Raiz Invest Limited (ACN 615 510 177) (RAIZ). References in this presentation to RAIZ include its group of companies and trusts. This presentation is subject to the conditions outlined below. Your receipt or viewing of the Presentation evidences your acceptance of those conditions and that you agree to be bound by them. This presentation is provided to recipients for information purposes and should be read in that context. The information in this presentation is in a summary form, does not purport to be complete, is not investment or financial product advice and is not intended to be relied upon as advice to investors or other persons or to be used as the basis for making an investment decision. 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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 Appendix Full Year Results: 30 June 2026 25 Appendix 1 – FY26 Financial Results Presentation 26 Appendix 1 – FY26 Financial Results Presentation (continued) 27 Appendix 1 – FY26 Financial Results Presentation (continued) 28 Appendix 1 – FY26 Financial Results Presentation (continued) 29 Appendix 1 – FY26 Financial Results Presentation (continued) 30 Market Information Raiz Share Price & Volume Share price, capital structure and substantial shareholders Capital structure (17-Aug-26) Shares on issue 105.4m Share price A$0.61 12-month range A$0.45 - A$0.96 Market capitalisation A$64.3m Cash & cash equivalents 30 June 2026 A$15.4m Top Holdings (17-Aug-26) Shares (%) 1 THORNEY INVESTMENTS 16.0m 15.1 2 ACORNS GROW INCORPORATED 5.2m 4.9 3 STATE STREET GLOBAL ADVISORS INC 4.8m 4.6 Top 20 Holdings 66.0m 62.6 Other Holdings 39.4m 37.4 Total 105.4m 100.0 31 Investor and Media Enquiries: Craig Keary CEO M: +61 400 466 715 E: ir@raizinvest.com.au Katie Mackenzie Investor Relations M: +61 455 502 197 E: kmackenzie@belleviewir.com.au (ASX:RZI)