Flywire — Nov 4, 2025 release

       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 of Flywire’s stock and foreign currency exchange rates. These statements are forward-looking, and actual results may differ materially. Refer to the “Safe Harbor Statement” below for information on the fact