” Based on information available as of November 4, 2025, Flywire anticipates the following results for the fourth quarter and fiscal year 2025*. Fiscal Year 2025 FX-Neutral Revenue Less Ancillary Services Growth 23-25% YoY FX-Neutral Revenue Less Ancillary Services Growth (excluding Sertifi) 14-16% YoY Sertifi Revenue contribution 1 $42-44M Adjusted EBITDA Margin Growth +330-370 bps YoY 1 Since the acquisition closed on 02/24/2025. Fourth Quarter 2025 FX-Neutral Revenue Less Ancillary Services Growth 23-27% YoY FX-Neutral Revenue Less Ancillary Services Growth (excluding Sertifi) 13-15% YoY Sertifi Revenue contribution $12-14M Adjusted EBITDA Margin Growth +50-200 bps YoY * Flywire has not provided a quantitative reconciliation of forecasted FX-Neutral Revenue Less Ancillary Services Growth to forecasted GAAP Revenue Growth or forecasted Adjusted EBITDA Margin Growth to forecasted GAAP Net Income Margin Growth or to forecasted GAAP net income (loss) before income taxes within this earnings release because Flywire is unable, without making unreasonable efforts, to calculate certain reconciling items with confidence. These items include, but are not limited to, income taxes, which are directly impacted by unpredictable fluctuations in the market price

later in the release …

the item shown at left

other guidance in this release

Text is the filed exhibit, verbatim.