HUB24 (HUB) investor relations material

Strategic direction and market positioning

• Focus on transforming the wealth management industry through integrated platform, technology, and data solutions, leveraging an open architecture and ecosystem approach including HUB24, Class, NowInfinity, and myprosperity.

• Emphasis on collaboration with advisors, accountants, and technology partners to deliver best-of-breed solutions and meet evolving regulatory and client needs.

• Targeting growth by capitalizing on structural industry trends such as increasing demand for advice, demographic shifts, and intergenerational wealth transfer, with a focus on the maturing superannuation market.

• Positioned as a market leader across all client segments, benefiting from adviser migration to private licensees, technology adoption, and regulatory changes, with industry recognition and strong advocacy from intermediaries.

• Expanding addressable markets beyond traditional platforms to SMSFs, non-custodial assets, and institutional clients.

Business performance and financial guidance

• Achieved industry record net inflows of AUD 19.8 billion in FY25, with platform FUA reaching AUD 122 billion as of September 2025 and a CAGR of 28% over four years.

• Group revenue for FY25 was AUD 406 million, with a four-year CAGR of 38%, and underlying EBITDA margin at 39.9%.

• FY27 FUA guidance remains at AUD 148–162 billion, with current performance tracking above assumptions but subject to market conditions.

• Operating expense growth for FY26 updated to 18–20% to support accelerated platform growth and strategic investment, while still expecting EBITDA margin improvement year-on-year.

• Strong balance sheet with $85m net cash at June 2025, fully franked dividends, and a target payout ratio of 40-60% of UNPAT.

Product and ecosystem development / Product and technology innovation

• Continued investment in acquisitions and technology, building an integrated ecosystem with assets like HUB24, CLASS, Infinity, and myProsperity.

• Launched and enhanced solutions such as HUB24 Discover, Private Invest, and Lifetime Retirement Solutions, with further developments in progress.

• myHUB ecosystem introduced, providing a unified advisor portal with single login, natural language prompts, and deep integration across applications and data sources, targeting launch in FY27.

• Leveraging AI and automation for document management, data extraction, reporting, and new client-facing features, with tools like Intelligent Assistant and SMSF financial reporting in beta.

• Focus on responsible data use, security, and customer control, underpinned by structured cyber frameworks and AI governance.