Financial results and supplementary metrics 1. IFRS P&L 15/14/2026 Line item Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Transaction and service revenue 486 518 532 600 519 604 634 743 671 Gain on sale of consumer receivables — — — — — — — 73 57 Interest income 157 164 174 181 182 219 269 267 284 Total revenue 643 682 706 781 701 823 903 1,082 1,012 Processing and servicing costs (136) (148) (151) (161) (164) (187) (208) (250) (266) Provision for credit losses (117) (106) (116) (156) (136) (174) (235) (250) (186) Funding costs (113) (120) (123) (147) (130) (147) (180) (210) (171) Technology and product development (99) (103) (107) (135) (115) (120) (123) (128) (129) Sales and marketing (79) (78) (70) (101) (91) (93) (102) (128) (105) Customer service and operations (57) (48) (44) (54) (51) (51) (53) (52) (55) General and administrative (51) (64) (65) (101) (94) (65) (77) (70) (81) Depreciation, amortization and impairments (19) (19) (17) (27) (10) (32) (8) (4) (2) Operating expenses (671) (686) (693) (882) (791) (869) (986) (1,093) (996) Operating Profit (loss) (28) (5) 13 (101) (90) (46) (83) (11) 17 Other income (expense) 3 2 2 147 (2) — (4) (5) (2) Profit (Loss) before taxes (25) (3) 15 46 (92) (46) (87) (16) 15 Tax (expense) benefit (5) 1 (2) (6) (7) (7) (8) (10) (14) Net Profit (loss) (30) (2) 12 40 (99) (53) (95) (26) 1
Financial results and supplementary metrics 2. Non-IFRS P&L 25/14/2026 Line item Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Transaction and service revenue 486 518 532 600 519 604 634 743 671 Gain on sale of consumer receivables - - - - - - - 73 57 Interest income 157 164 174 181 182 219 269 267 284 Total revenue 643 682 706 781 701 823 903 1,082 1,012 Processing and servicing (136) (148) (151) (161) (164) (187) (208) (250) (266) Provision for credit losses (117) (106) (116) (156) (136) (174) (235) (250) (186) Funding costs (113) (120) (123) (147) (130) (147) (180) (210) (171) Transaction costs (366) (374) (390) (464) (430) (508) (623) (710) (623) Transaction margin dollars 277 308 316 317 271 315 280 372 389 Technology and product development (78) (81) (78) (71) (83) (93) (97) (102) (110) Sales and marketing (77) (77) (65) (91) (80) (83) (85) (106) (87) Customer service and operations (57) (47) (42) (45) (51) (48) (50) (51) (54) General and administrative (51) (58) (52) (67) (54) (62) (63) (66) (70) Adjusted operating expenses (263) (263) (237) (274) (268) (286) (295) (325) (321) Adjusted operating profit (loss) 14 45 79 43 3 29 (15) 47 68 - Depreciation, amortization and impairments (36) (38) (34) (77) (26) (27) (25) (28) (24) - Share based payments (5) (9) (20) (57) (59) (26) (39) (33) (29) - Restructuring and other (2) (3) (12) (8) (8) (21) (5) 2 2 Operating profit (loss) (28) (5) 13 (101) (90) (46) (83) (11) 17 Other income (expense) 3 2 2 147 (2) - (4) (5) (2) Profit (Loss) before income tax (25) (3) 15 46 (92) (46) (87) (16) 15 Income tax (5) 1 (2) (6) (7) (7) (8) (10) (14) Net income (loss) (30) (2) 12 40 (99) (53) (95) (26) 1 Like-for-like grorwth rates Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 GMV, of which: 13% 19% 23% 23% 22% Transaction and service revenue 14% 17% 19% 18% 21% Gain on sale of consumer receivables Interest income 19% 28% 48% 40% 46% Total revenue 15% 20% 26% 32% 36% Processing and servicing 26% 26% 36% 56% 54% Provision for credit losses 19% 60% 98% 55% 28% Funding costs 18% 17% 39% 35% 22% Transaction costs 21% 33% 56% 49% 37% Transaction margin dollars 6% 4% -11% 8% 34% Technology and product development 7% 8% 19% 32% 27% Sales and marketing 7% 4% 24% 10% 1% Customer service and operations -10% -5% 12% 2% -3% General and administrative 10% 1% 15% -6% 21% Adjusted operating expenses 4% 3% 18% 11% 12%
Financial results and supplementary metrics 3. US vs ex-US P&L 35/14/2026 US · United States Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 GMV ($b) · US 4,159 4,525 4,646 5,999 5,113 6,202 6,643 8,553 7,115 Transaction and service revenue 138 150 157 203 177 194 200 247 224 Gain on sale of receivables - 60 57 Interest income 42 50 53 57 61 81 117 106 117 Total revenue 179 200 210 261 238 275 317 413 399 Processing and servicing (61) (65) (68) (75) (73) (88) (94) (119) (139) Provision for credit losses (47) (48) (53) (92) (58) (102) (135) (140) (84) Funding costs (29) (37) (37) (44) (40) (47) (71) (90) (70) Total transaction costs (137) (150) (158) (210) (171) (236) (300) (349) (293) Transaction Margin Dollars (TMD) 42 50 52 51 67 39 17 64 106 TMD % of Revenue 24% 25% 25% 19% 28% 14% 6% 15% 27% Global (Ex-US) · all other markets Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 GMV ($b) · Global (Ex-US) 19,669 21,339 21,526 23,383 20,211 24,980 26,016 30,146 26,576 Transaction and service revenue 348 368 375 397 342 410 433 496 446 Gain on sale of consumer receivables - - - - - - - 13 - Interest income 115 114 120 124 121 138 152 161 167 Total revenue 463 482 496 521 463 548 586 669 613 Processing and servicing (75) (83) (84) (86) (90) (100) (114) (131) (127) Provision for credit losses (70) (59) (63) (65) (78) (72) (100) (109) (102) Funding costs (84) (83) (85) (104) (90) (101) (109) (120) (102) Transaction costs (229) (224) (232) (255) (259) (272) (323) (361) (331) Transaction margin dollars 234 258 264 266 203 276 263 308 283 TMD % of Revenue 51% 53% 53% 51% 44% 50% 45% 46% 46%
Financial results and supplementary metrics 4. Allowance Roll Forward 45/14/2026 Alllowance for credit losses walk Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Opening balance 332 354 401 492 492 Provision for credit losses 136 174 235 250 186 Realized losses (123) (141) (144) (193) (169) Asset sale activity — — — (57) (55) FX / other 9 14 — — (5) Closing balance 354 401 492 492 448
Financial results and supplementary metrics 5. Balance Sheet 55/14/2026 Line item Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Cash and cash equivalents 3,243 4,105 5,504 6,795 3,803 2,806 Debt securities 454 1,188 1,381 1,657 1,518 2,132 Consumer receivables 8,141 8,124 9,950 10,095 10,459 9,166 Other financial assets at amortized cost — — — — — 776 Consumer receivables at fair value through OCI — — — — 386 542 Consumer receivables at fair value through profit and loss 2 — — — 400 124 Settlement, trade and other receivables 493 501 699 553 580 855 Property and equipment 85 87 64 54 60 62 Goodwill 613 643 680 681 685 671 Intangible assets 376 397 402 392 383 358 Deferred tax assets 33 34 28 36 36 26 Other assets 364 447 481 519 487 470 Total Assets 13,804 15,526 19,189 20,782 18,797 17,988 Accounts payable and accrued expenses 572 524 547 562 655 545 Consumer deposits 9,510 10,843 13,970 13,972 13,003 12,301 Payables to merchants 696 987 1,168 753 736 855 Notes payable and other borrowings 513 534 727 2,623 1,359 1,415 Deferred tax liabilities 1 1 1 3 2 3 Other liabilities 255 294 266 249 358 235 Total Liabilities 11,547 13,183 16,679 18,162 16,113 15,354 Share capital — — — 4,199 — — Additional paid in capital 4,646 4,654 4,805 892 427 450 Other equity instruments — — — — — — Reserves (479) (282) (184) (170) (90) (165) Retained Earnings (Accumulated deficit) (2,081) (2,202) (2,283) (2,472) 2,170 2,173 Total equity excluding non-controlling interests 2,086 2,170 2,338 2,449 2,507 2,458 Non-controlling interests 171 173 172 171 177 176 Total equity 2,257 2,343 2,510 2,620 2,684 2,634 Total equity and liabilities 13,804 15,526 19,189 20,782 18,797 17,988
Financial results and supplementary metrics 6. Funding 65/14/2026 Funding cost breakdown ($m) Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Interest costs on funding 109 124 138 132 121 Fair value adjustment on loans sold and held for sale 21 23 42 78 50 Funding costs 130 147 180 210 171
Financial results and supplementary metrics 7. Key Metrics 75/14/2026 GMV Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Group ($m) 23,828 25,864 26,172 29,382 25,323 31,182 32,659 38,698 33,691 Charge card equivalent/ Pay Later 17,634 19,669 19,802 23,530 20,226 24,986 25,803 30,467 26,089 Point of sale Installments / Fair Financing 1,110 1,240 1,359 1,696 1,721 2,577 3,247 4,500 4,103 Everyday spending / Pay in Full 4,244 4,170 4,248 4,122 3,373 3,617 3,608 3,731 3,499 US ($m) 4,154 4,521 4,642 5,998 5,113 6,202 6,643 8,553 7,115 Charge card equivalent/ Pay Later 3,643 3,900 4,007 5,127 4,217 4,643 4,512 5,412 4,265 Point of sale Installments / Fair Financing 491 590 598 821 850 1,498 2,056 3,026 2,724 Everyday spending / Pay in Full 20 31 37 50 46 61 75 115 126 Global (Ex-US) ($m) 19,674 21,343 21,530 23,384 20,210 24,980 26,016 30,145 26,576 Charge card equivalent/ Pay Later 13,991 15,769 15,795 18,403 16,009 20,343 21,291 25,055 21,824 Point of sale Installments / Fair Financing 619 650 761 875 871 1,079 1,191 1,474 1,379 Everyday spending / Pay in Full 4,224 4,139 4,211 4,072 3,327 3,556 3,533 3,616 3,373 KPI metrics Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Active consumers (m) 83 84 87 92 98 111 114 118 119 ARPAC ($) 29 31 31.3 30.5 29.2 27.2 28.1 29.8 32.1 Merchant partners (k) 568 588 615 681 723 786 850 966 1,075