WEX — Feb 4, 2026 release

16 Financial Guidance The following table presents our expectations for the first quarter and full year 2026: Financial Guidance Q1'26 Full Year 2026 Current Guidance Current Guidance Changes from FY2025 at Midpoint Low High Low High $ Change % Change Fuel Price Impact Net Revenue, in millions $ 650  $ 670  $ 2,700  $ 2,760  $ 69  3  % $(47) Adjusted Net Income per Diluted Share 18 $ 3.80  $ 4.00  $ 17.25  $ 17.85  $ 1.45  9  % $(0.85) First quarter and full year 2026 guidance is based on a number of assumptions, including: Key Guidance Assumptions Q1'26 Full Year 2026 Current Guidance Current Guidance Change From Prior Year at Midpoint % Change Average US Retail Fuel Prices per Gallon $3.09 $3.10 $(0.22) (7)% Mobility Credit Losses (bps) 17 - 22 12 - 17 1 10% Diluted Shares Outstanding, in millions 35.1 35.2 -0.7 (2)% 2026 guidance also includes the following assumptions: • In Mobility, excluding the impact of fuel price changes and FX, we are expecting full year revenue growth of 1-3%. This factors a decline of approximately 1% due to the impact of lower interest rates on merchant contracts that include pricing escalators. We also are assuming no improvement in the macro environment. Note that Q1 last year had a pull forward of gallons in OTR due to tariff worries, which creates a tougher comparison for Q1 this year followed by an easier comparison in Q2. Also note that the incremental BP contribution will be weighted to the second half of the year and then continue to ramp into 2027. • In Benefits, we are expecting full year revenue growth of 5-7% including an approximately 2% reduction from lower interest rates impacting the floating rate portion of our non-bank custodian business. As a reminder, more than 75% of our portfolio is in fixed rate instruments and therefore not rate sensitive. Note that Q1 SaaS account growth is expected to be higher than the rest of 2