Novatti Group Ltd. · ASX:NOV
Novatti — Q1 FY26 Earnings Presentation
15 slides from Novatti's earnings presentation, Oct 31, 2025
Slide 1: September Quarter FY26: Positive operating cashflow – focus on long term financial goals
For personal use only September Quarter FY26: Positive operating cashflow – focus on long term financial goals Novatti Group Limited (ASX:NOV) 31 October 2025
Slide 2: Important information
Important information This document has been prepared by Novatti Group Limited (Novatti) for information purposes about Novatti and its subsidiary companies (Novatti Group). It should be read in conjunction with Novatti’s most recent financial reports (including its FY25 Annual Report) and other per
Slide 3: Connecting traditional with digital
Connecting traditional with digital For personal use only Providing investors exposure to both traditional payments AND future digital finance ecosystem: Acquiring Card International Digital finance and A2A issuing payments Strategic growth pillar via AUDD • Card acceptance - • Digital/physical • Cr
Slide 4: Licenses and partnerships: Barriers to entry
Licenses and partnerships: Barriers to entry Novatti already holds extensive regulatory licensing enabling it to operate within its core markets, particularly For personal use only Australia and New Zealand. These partnerships and licenses are considered key assets, creating significant barriers to
Slide 5: Strategy recap: Long term financial targets now in focus
Strategy recap: Long term financial targets now in focus For personal use only We are now here! Simplified Market led, Improved financial business customer focus performance • $10m+ cost base reduction • Brand refresh complete • Margins overhauled • Long term targets now • Core business unlocked • N
Slide 6: Q1 FY26: Highlights
Q1 FY26: Highlights For personal use only $0.2m $0.1m +$1m +100% Positive Positive Increase in Increase in operating EBITDA* available cash Group margin cashflow to $3.6m ** *EBITDA excludes AUDC and non-cash entries **Reflects Net cash from / (used in) operating activities (as reported in quarterly
Slide 7: AU/NZ: Clear growth opportunity
AU/NZ: Clear growth opportunity Novatti’s business is streamlined, customer focused, and is leaning into the For personal use only opportunity provided by the rapidly growing AU/NZ market Issuing Acquiring We are getting traction… (1) Issuing captures debit card and prepaid card volume (excludes cre
Slide 8: Case study: Issuing delivering sustained growth - next comes Acquiring
Case study: Issuing delivering sustained growth - next comes Acquiring Issuing - turnaround achieved Acquiring – next focus For personal use only Turnaround begins now Turnaround began here From firmly negative to firmly positive EBITDA Customer migration to new platform complete Sales drive impleme
Slide 9: Broader traction: New deals
Broader traction: New deals Brand refresh working as tier one customers taking up extended or deeper services For personal use only ∙ Tier one Australian telco – further contract secured ∙ Global airline – further contract secured ∙ Key account growth – new order for 20,000 cards to support a NZ tel
Slide 10: New world exposure: AUDD
New world exposure: AUDD AUDD provides strategic exposure to digital finance, including web3. AUDD is now positioned for global scaling. For personal use only • 100% collateralized and AUDD funds in AU banks “As stablecoin markets converge • First AUD stablecoin to go live on Coinbase with FX market
Slide 11: Where to from here: Continued execution on growth pivot
Where to from here: Continued execution on growth pivot For personal use only Strategy Optimise and Unlock core Achieve Reset Streamline Payments AU/NZ Scale Q4 Now 1 2 FY25 3 here 4 Simplify & Focus Commitment to Pivot to Lift financial strategy execution growth performance Focus shifts to growth N
Slide 12: Approved for release to the ASX by Mark Healy, CEO, and the Board
For personal use only This presentation has been approved for release to the ASX by Mark Healy, CEO, and the Board
Slide 13: October 2025
For personal use only 29 October 2025
Slide 14: Drivers for Growth
For personal use only Drivers for Growth 14
Slide 15: Growth Opportunity: Increase core market share
Growth Opportunity: Increase core market share Novatti is well positioned to continue to grow organically, and to seek to consolidate AU/NZ industry via M&A For personal use only Australian Payments $ 16 billion annual revenue pool (1) Continuing Cash Decline $80+ billion per year in remaining cash