Remitly — Feb 18, 2026 release

We cannot, without unreasonable effort, provide a quantitative reconciliation of forecasted adjusted EBITDA to forecasted GAAP net income due to the variability, complexity, and limited visibility of the adjusting items that would be excluded from forecasted adjusted EBITDA. 2026 and 1Q 2026 Outlook 2026 $1.94b - $1.96b 2026 Revenue, 19% to 20% YoY growth $340m - $360m 2026 Adjusted EBITDA 1Q 2026 $436m - $438m 1Q 2026 Revenue, 21% YoY growth $82m - $84m 1Q 2026 Adjusted EBITDA19   Feb 2026 / © 2026 Remitly Inc. The exchange rates are good, which matters because I’m sending a lot. And the money arrives quicker than expected.” Sanjana High Amount Sender customer Sends money from the US to India, US to Canada “ 20   Q & A Feb 2026 / © 2026 Remitly Inc.21   Thank you.   Feb 2026 / © 2026 Remitly Inc. Appendix 23   Feb 2026 / © 2026 Remitly Inc. Non-GAAP Financial Measures 24 Some of the financial information and data contained in this presentation, such as Adjusted EBITDA, non-GAAP operating expenses, and free cash flow, have not been prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP"). We regularly review our key business metrics and non-GAAP financial measures to evaluate our performance, identify trends affecting our business, prepare financial projections, and make strategic decisions. We believe that these key business metrics and non-GAAP financial measures provide meaningful supplemental information for management a