Remitly — Feb 18, 2026 release

Medium-term outlook →Driving profitable growth 8 Revenue CAGR $2.6b $3.0b 2028 Outlook Scenarios Adjusted EBITDA Margin 20% 22% Adjusted EBITDA $575m $600m 5-10% of total revenue new products- Incremental Adjusted EBITDA margins of ~30% Balanced approach to profitable growthRev CAGR + Adj EBITDA Margin 40%+ - Note: We have not provided a quantitative reconciliation of forecasted Adjusted EBITDA to forecasted GAAP net income (loss) or to forecasted GAAP income (loss) before income taxes within this earnings presentation because we cannot, without unreasonable effort, calculate certain reconciling items with confidence due to the variability, complexity, and limited visibility of the adjusting items that would be excluded from forecasted Adjusted EBITDA.   Feb 2026 / © 2026 Remitly Inc. Extensive experience in financial services and payments Product-first operator Decades of global leadership and product innovation experience Sebastian Gunningham Incoming CEO 9   Feb 2026 / © 2026 Remitly Inc. 4Q Financial Results Vikas Mehta CFO 10   Feb 2026 / © 2026 Remitly Inc. Revenue ProfitabilityScale 4Q — Strong execution *Adjusted EBITDA and Adjusted EBITDA margin are non-GAAP measures. Please see reconciliation of non-GAAP measures to the most comparable GAAP measures in the Appendix. 9.3m 19% Y/Y growth in quarterly active customers $21b 35% Y/Y growth in send volume $442m 26% Y/Y growth in revenue $89m 98% Y/Y growth in Adjusted EBITDA* $41m GAAP Ne