Appendix 4D & Half Year Report to 31 December 2025

• Active customers up 5.7% to 336,048
• Funds under management increased 28.5% to $2.07 billion
• Underlying EBITDA up 270% to $2.6 million

Raiz Invest Ltd, an Australian financial services company operating since 2016, has reported strong results for the first half of the 2026 financial year. The company saw a 23.9% increase in revenue to $14.4 million, driven by growth in active customers, funds under management, and revenue per user. Underlying EBITDA, the company's preferred measure of profitability, increased by 270% to $2.6 million, reflecting the operational leverage in the business. Funds under management grew by 28.5% to $2.07 billion, and active customers increased by 5.7% to 336,048. The company also reported a statutory net profit after tax of $3.5 million, compared to a net loss of $1.1 million in the prior corresponding period, aided by the recognition of deferred tax assets. The company generated strong operating cash flows of $2.4 million, with a cash balance of $14.0 million at the end of the period and no interest-bearing debt.

The company did not provide any specific forward-looking financial guidance.