FY26 Financial Results & Debt Refinancing

• Underlying EBITDA of A$4.7m, a 76% increase YoY
• Group Annual Recurring Revenue (ARR) of A$15.7m
• Completed debt refinancing with CBA, reducing annual finance outflow

Xref Limited (ASX: XF1) reported its audited financial results for the full year ended 30 June 2026 (FY26), reflecting accelerated market adoption of the New Platform across the employee lifecycle, together with sustained margin expansion and cost efficiencies arising from the Group's restructure. Key highlights include underlying EBITDA of A$4.7 million, representing a 76% increase from FY25, and Group Annual Recurring Revenue (ARR) of A$15.7 million, with over 71% (A$11.2 million) on the New Platform. Post-reporting period, the Group completed a refinancing of its debt facilities with the Commonwealth Bank of Australia (CBA), extending debt maturity, reducing near-term debt servicing requirements, and providing additional liquidity.

FY26 Underlying EBITDA of A$4.7m, FY26 ARR of A$15.7m, FY27 finance outflow reduction to A$0.5m

Xref Ltd anticipates sustained profitable growth driven by operational leverage from its new software platform.