WEX — Oct 26, 2025 release

16 Financial Guidance The following table presents our expectations for the fourth quarter and full year 2025: Financial Guidance Q4'25 Full Year 2025 Current Guidance Current Guidance Changes from Prior Guide at Midpoint Low High Low High $ Change % Change Fuel Price Impact Net Revenue, in millions $ 646  $ 666  $ 2,634  $ 2,654  $ 19  1  % $12 Adjusted Net Income per Diluted Share 21 $ 3.76  $ 3.96  $ 15.76  $ 15.96  $ 0.29  2  % $0.21 Fourth quarter and full year 2025 guidance is based on a number of assumptions, including: Key Guidance Assumptions Q4'25 Full Year 2025 Current Guidance Current Guidance Change from Prior Guide at Midpoint % Change Average U.S. Retail Fuel Prices per Gallon $3.09 $3.27 $0.06 2% Mobility Credit Losses (bps) 14 - 19 13 - 14 -1 (7)% Weighted Average Diluted Shares Outstanding, in millions 34.9 35.9 0 —% 2025 guidance also includes the following assumptions: • No benefits from future M&A activity • Interest rate decreases included in line with the market Fed Funds projections • Exchange rates are as of the end of September 2025 • U.S. retail fuel prices are based on the NYMEX prices from the week of October 20, 2025 • Adjusted net income effective tax rate of 25.0% for 2025 (all periods) • No further share repurchases in 2025 (21)     The Company's adjusted net income guidance, which is a non-GAAP measure, excludes unrealized gains and losses on financial instruments, net foreign currency gains and losses, changes in fair value of contingent consideration, acquisition-related intangible amortization, other acquisition and divestiture related items, stock-based compensation, other costs, impairment charges, debt restructuring and debt issuance cost amortization, adjustments attributable to our non-controlling interests, and certain tax related items. We are unable to reconcile our adjusted net income guidance to the comparable GAAP measure without unreasonable effort because of the difficulty in