Slides
Page 1
Investor BriefingFinal ResultsPresentationYear ended 30 June 2026
Page 2
The Business Fonix Investor Briefing September 2026 Rob WeiszChief Executive Officer 2
Page 3
Executive Summary Fonix Investor Briefing September 2026 3 FY26 trading performance ahead of market expectations Strong growth in mobile payments and mobile messaging business lines Growth strategy continues to deliver sustainable, long-term profitability Portugal established; Switzerland now live with two customers; France and a sixth market in build Increased ordinary dividend, in addition to £2.4m share buy-back during FY26 PayFlex, CompsPortal and RichMessaging advancing -beyond SMS into multi-channel payments 3
Page 4
What we do and howClients / Users Consumer services CompetitionsDonations& gift aidBalancetop-ups Surveys Promotions& offersAlerts & remindersInformation services Text to pay Campaign Manager Messaging connectionsPayment connections Marketing campaignsWinner selectionBundleoffersSubscriptions Refunding Interactive campaignsDonation totaliserSpend controlsLive studioAnalytics & reporting Features IntegrationsAudience Participation Notifications Marketing Payments Fonix Investor Briefing September 2026 4 VotingText the studio
Page 5
Operational & Financial Update Fonix Investor Briefing September 2026 Michael FoulkesChief Financial & Operating Officer 5
Page 6
Operational Highlights Fonix Investor Briefing September 2026 6 Key achievements for the year ended 30 June 2026: +8MNO & PSP connections* 100%Platform uptime 99%Income of a repeating nature *MNO = Mobile Network Operator | PSP = Payment Service Provider. Includes some MNO connections enabled via an integration partner. 6Markets live or in progress 3New products scaled 58Average staff for FY26
Page 7
Key Performance Indicators Fonix Investor Briefing September 2026 7 TPV1 £303m+8.0% YOY Gross Profit £21.0m+ 12.9% YOY Adjusted EBITDA2 £16.2m+ 11.0% YOY Adjusted PBT3 £15.5m+ 8.4% YOY Financial and operating key performance indicators for the year ended 30 June 2026: 1 TPV means the Total Payment Volume and represents the gross value of consumer spend on both commercial and charity customer services.2Adjusted EBITDA excludes share-based payment charges along with depreciation, amortisation, interest, R&D tax credits and tax from the measure of profit.3Adjusted PBT is profit before tax excluding share-based payment charges and R&D tax credits.
Page 8
Trading Growth YOY Fonix Investor Briefing September 2026 ●Revenue, GP and Adj. EBITDA growth all ahead of expectations●FY26: return to double-digit growth●GP +12.9%to £21.0m ●Adj. EBITDA +11.0%to £16.2m●Step-up from steadier growth of FY25, as international and product investment has started delivering●8-yr CAGR: GP 19% | Adj. EBITDA 23% 8 * Adjusted EBITDA and Adjusted Operating Expenses exclude share-based payment charges along with depreciation, amortisation, interest, R&D tax credits and tax from the measure of profit. Financial performance(July 2017 to June 2026)
Page 9
Segmental Analysis Fonix Investor Briefing September 2026 9 RevenueFY26FY25ChangeShare of£'000£'000YoYFY26Mobile payments52,87448,7848%63%Mobile messaging28,32221,83130%34%Managed services2,1502,165-1%3%Total revenue83,34672,78015%100%Gross profitMobile payments16,50914,87111%79%Mobile messaging3,7462,93728%18%Managed services774820-6%4%Total gross profit21,02918,62813%100%Gross profit %%%Mobile payments31.2%30.5%Mobile messaging13.2%13.5%Managed services36.0%37.9%Total gross profit %25.2%25.6%GP by geographyChangeShare of£'000£'000YoYFY26United Kingdom18,29516,26812%87%Rest of Europe2,7342,36016%13%Total gross profit21,02918,62813%100% ●GP = key indicator (Fonix's share of payment/messaging revenue)●Mobile payments:GP +11% YoY —UK media strength, Portugal growth; revenue mix shifting from voice/gaming●Mobile messaging:GP +28% YoY —strong wholesale demand; lower margin, so lifts revenue more than GP●Managed services: GP -6% —added MNO fixed fees, not client loss
Page 10
Financial Performance Fonix Investor Briefing September 2026 10 FY26FY25ChangeFinancial Performance£'000£'000YoY TPV 303,297280,9008%Revenue83,34672,78015%Gross profit21,02918,62812.9%Adjusted operating expenses(4,872)(4,074)20%Adjusted EBITDA16,15714,55411.0%Other income15613119%Share-based payment charge(85)(86)-2%Depreciation and amortisation(1,253)(1,014)23%Operating profit14,97513,58510%Financial expense, income627805-22%Taxation(3,712)(3,245)14%Net profit11,89011,1457% ●GP +12.9% YoY —UK media, messaging growth, Portugal●Adj. opex +20% —new hires (France, dev, legal) + higher hosting costs●Adj. EBITDA +11.0% YoY —GP growth partly offset by expansion investment●Final DPS 6.20p (FY25: 5.90p); total ordinary DPS 9.30p (FY25: 8.80p ordinary +3p special)●£2.4m returned via share buybacks (£2.97m as special dividend in FY25)
Page 11
Cashflow Fonix Investor Briefing September 2026 11 Actual cashActual CashUnderlying cashUnderlying cashFY26FY25FY26FY25Actual & underlying cash flow£'000£'000£'000£'000Operating cash flow before corporation tax23,78211,10716,72714,142Corporation tax paid(4,882)(3,570)(4,882)(3,570)Net cash flows from operating activities18,9007,53711,84510,572 Net cash flows from investing activities(937)(479)(937)(479) Net proceeds from issue of equity31903190Dividends paid(8,916)(11,493)(8,916)(11,493)Purchase of own shares(2,360)-(2,360)-Capital payments in respect of leases(127)(116)(127)(116)Interest paid in respect of leases(10)(21)(10)(21) Net (decrease)/increase in cash6,581(4,482)(474)(1,447)Cash at beginning of period21,99826,4809,87711,324Cash at end of period28,57921,9989,4039,877 ●Underlying cash: £9.4m (FY25: £9.9m) —excludes customer funds●Decrease driven by wider investing outflow: £939k (FY25: £479k) —capitalised software dev + lower interest income●Actual cash —includes customer funds, and is impacted by timing of MNO settlements
Page 12
Strategy Update Fonix Investor Briefing September 2026 Rob WeiszChief Executive Officer 12
Page 13
International Strategy Fonix launched in Ireland in 2022 and continues to perform strongly. "Fonix has reinvigorated the market and changed the landscape for premium and interactive servicesin Ireland”(Three Mobile Ireland) 13Fonix Investor Briefing September 2026 SwitzerlandLive since March 2026 (pilot) Now making a meaningful contribution to the business. Market progress has taken longer than anticipated, but the underlying opportunity remains clear and, we believe, entirely obtainable —with significant further upside expected in the years ahead. Ireland Live since 2022 Portugal Live Sept 2025 One broadcast customer went live during the year, with a second following in August 2026. Both customers remain at an early stage but have signalled ambitions to scale.FranceMarket entry phase Legal entity established and senior local expertise added, with operator connectivity and regulatory engagement progressing in a large, high-potential market. Independent research sizes the French equivalent of our offering at c.€100m in annual consumer spend —against a comparable UK market of £250–300m —pointing to significant headroom. 6th European marketConnectivity completedMobile network connectivity completed during the year; launch targeted for end of FY27. Territory undisclosed at this stage for commercial reasons.
Page 14
Entering Switzerland with the fundamentals and the partners in placeSwitzerland: a greenfield opportunity Broadcasters: Mobile networks: Sizable populationbaseand addressable market Strong, willing broadcasters:two significant media groups with large, non-overlapping audiences Favourable regulation:prize draws are clearly permitted for media organisations Concentrated mobile market: three large networks, all keento run services Customer traction Why Switzerland "In Fonix, we have gained a strong partner who will help us to offer our viewers and listeners attractive interactive content. We look forward to this partnership and to jointly developing interactive formats for radio and TV.”Nicola BomioHead of Regional TV & Radio, CH Media "What drew us to Fonix was the ability to create new revenue from formats our audiences already love. It's a smart fit for where we're taking our business, and this is just the starting point.”Alexandre de Raemy Directeur Général, Media One Group 14Fonix Investor Briefing September 2026
Page 15
Product Strategy 15 Highly scalable, cloud-based infrastructure Core strategyNew Products RichMessaging(RCS)CompsPortal PayFlex Fonix Investor Briefing September 2026 Channel agnostic(MNOs, PSPs, SMS, RCS) Robust, secure & reliable
Page 16
Outlook Fonix Investor Briefing September 2026 Rob WeiszChief Executive Officer 16
Page 17
Executive Summary Fonix Investor Briefing September 2026 FY26 ahead of market expectations for the year. Return to double-digit growth through innovation and new market expansion. Continuedinvestment in product development and international resources. Portugal established, Switzerland in pilot, France progressing, 6th market connected Strong broadcaster pipeline across multiple existing and new European territories. TradingGrowth Investment International Pipeline 17
Page 18
Thank you foryour time 18
Page 19
Appendix 19
Page 20
The Team Fonix Investor Briefing September 2026 Carmel WarrenNon-executive Director Francesca Gangemi Director of Technology and Engineering Marcus KernHead of Tech Strategy Steve GeorgeClient Success & Partnerships Director Anthony BaladiCommercial Director Board Senior LeadershipRob WeiszCEO Michael FoulkesCFO & COO Ed SpurrierChair Will NealeNon-executive Director 20 Clare CharlesClient Service DirectorLouisa HarrisOperations & Delivery Director
Page 21
Balance Sheet 21Fonix Investor Briefing September 2026 Balance sheetFY26FY25Change£'000£'000YoY Intangible asset2,4522,01722%Right of use asset45166-73%Tangible assets383123%Trade and other receivables35,21533,7664%Cash and cash equivalent (actual cash)28,57921,99830%Total assets66,32957,97814% Current liabilities54,70147,14216%Non-current liabilities36830620%Total liabilities55,06947,44816% Total equity / net assets11,26010,5307% Underlying cash and cash equivalent9,4039,877-5%
Page 22
Disciplined Sector Focus Charity •Predominantly UK-based today,•International potential as new markets mature. Mobile donationtechnology Digital Services •Diversification beyond Media and Charity, spanning telecoms, enterprise messaging (API), gaming, dating, ticketing and online prize draws. Gaming, publishers, entertainment, ticketing & enterprise Media •>80% of the business; •primary focus for international expansion. Payments & interactivity for TV & radio 22
Page 23
Low ValueDietsRing TonesFunny VideosWallpapersEmerging Markets The Market 23 App Stores& Global Players High ValueBrand Opportunities ContentMarket Fonix Investor Briefing September 2026