EWG H1 2025 Results Presentation

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Disclaimer 2 This presentation comprises certain written materials/slides prepared by W.A.G payment solutions plc (the Company) for the purposes of the Company’s investor relations presentation. This document, its contents and the presentation may not be copied, distributed, published, reproduced or passed on, directly or indirectly, in whole or in part, for any purpose or under any circumstances. This document is being provided to you solely for your information in connection with the intended use. This document and the related presentation do not constitute or form part of, and should not be construed as, any offer, invitation or recommendation to purchase or sell or subscribe for any securities in any jurisdiction and neither the issue of the information nor anything contained herein shall form the basis of or be relied upon in connection with, or act as an inducement to enter into, any investment activity whatsoever. This document and the related presentation are intended to present background information on the Company, its business and the industry in which it operates, and are not intended to provide complete disclosure upon which an investment decision could be made. This document and the related presentation do not therefore purport to contain all of the information that may be required to evaluate any investment in the Company or any of its securities and should not be relied upon to form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever. You are solely responsible for any assessment of the market and the market position of the Company and its Group, and of its securities, assets and liabilities or any part thereof. The merit and suitability of an investment in the Company should be independently evaluated and any person considering such an investment in the Company is advised to obtain independent advice as to the legal, tax, accounting, financial, credit and other related advice prior to making an investment. This document is given in conjunction with an oral presentation and should not be taken out of context. The information and opinions contained in this document and any information made available orally or in writing at the presentation are provided as at the date of such presentation and are subject to change without notice. The information set out herein and in any related materials and given at the presentation is subject to updating, completion, revision, verification and amendment, and such information may change materially. 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No representation or warranty (express or implied) is made as to the achievement or reasonableness of and no reliance should be placed on such forward-looking statements, which speak only as of the date of the presentation. Past performance should not be taken as an indication or guarantee of future results, and no representation or warranty, express or implied, is made regarding future performance. The Company and its Directors, officers, employees, agents, affiliates and advisers expressly disclaim any obligation or undertaking to release any updates or revisions to these forward-looking statements to reflect any change in the Company's expectations with regard thereto or any change in events, conditions or circumstances on which any statement is based after the date of the presentation or to update or to keep current any other information contained in this document or the related presentation. Certain information contained herein is based on management estimates and the Company’s own internal research. Management estimates have been made in good faith and represent the current beliefs of applicable members of the Company's management. While those management members believe that such estimates and research are reasonable and reliable, they, and their underlying methodology and assumptions, have not been verified by any independent source for accuracy or completeness and are subject to change without notice, and, by their nature, estimates may not be correct or complete. Accordingly, no representation or warranty (express or implied) is given to any recipient of this document that such estimates are correct or complete. By attending the presentation or reading or accepting a copy of this document, you agree to be bound by the foregoing limitations. Copyright ©2025 W.A.G payment solutions plc

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Strategic priorities underpinning our growth and strong cash generation 5 Total active trucks +5% to 313k Net promoter score1 +2pts to 43pts Ave no. of products per truck +0.2 to 2.8 Subscription revenues +1.0% to 24.3% contribution to total net revenues Notes: Numbers are compared year on year unless stated otherwise. ( 1) NPS based on a H1 basis. (2) Adjusted numbers are non-statutory measures and definitions and calculations can be found in the Appendix, (3) Adjusted EBITDA less capitalised R&D plus non - cash share-based payments, (4) Net leverage covenant calculation as per bank definition using Adjusted EBITDA for the last twelve months divided by Net debt which includes lease liabilities and derivative liabilities . Optimising internal processes and streamlining operating model ✓ Net revenue +15.0% ✓ Adj. cash EBITDA2,3 +14.1% ✓ Strong cash generation; net debt leverage 2.0x4 ✓ 3.0p special dividend approved; paid in July ✓ FY25 guidance reiterated, before any non-cash adjustments relating to new long-term incentive plan

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Continued double-digit growth; net leverage middle of our guidance range €162.2m 2.92c €17.9m (H1 24: €17.0m) FY 2024: 2.3x Notes: (1) Adjusted numbers are non-statutory measures and definitions and calculations can be found in the Appendix, (2) Adjusted EBITDA less capitalised R&D plus non -cash share-based payments, (3) Net leverage covenant calculation as per bank definition using Adjusted EBITDA for the last twelve months divided by Net debt which includes lease liabilities and derivati ve liabilities. 7 €49.2m Margin 30.4% €27.8m

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41.5 47.2 72.0 88.7 43.2 49.2 FY 2021 FY 2022 FY 2023 FY 2024 H1 2024 H1 2025 113.1 134.8 147 167 79.8 97.9 25.7 31.6 46.0 47.1 22.1 24.8 14.4 24.4 63.5 78.4 39.1 39.5 FY 21 FY 22 FY 23 FY 24 H1 24 H1 25 Payment Mobility Subscriptions 8 Notes: (1) Adjusted EBITDA less capitalised R&D plus non-cash share-based payments Net revenue growth (€m) Adj. cash EBITDA1 (€m) Mobility 40% Payments 60% CAGR +24.1% CAGR +28.8% 153.1 190.9 256.5 292.5 141.0 162.2 Margin 27.1% 30.4%30.6%30.3%28.1%24.7% +15.0% +14.1%

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9 Total payment solutions Total mobility solutions(€m) 141.0 6.4 11.7 1.0 0.4 0.8 (0.4) 0.4 0.9 162.2 H1 2024 net revenue Energy Toll Tax refund Work time management Fleet management (Core CRT) Fleet management (Non-CRT) Transport management Navigation and other services² H1 2025 net revenue Total Group Net revenue contribution 60% 40% +11.4% +50.3% +9.9% +3.7% +14.4% +8.9% Notes: (1) Non-truck revenue such as LGVs, buses and passenger cars (2) Other services include financial services, financing and road services Net revenue growth +4.4% (3.1%)

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21.2 0.6 (8.0) (4.7) (0.9) 49.2 41.0 H1 24 Adjusted cash EBITDA Revenue growth Credit losses Employee expenses¹ Technology expenses and Other OPEX² Capitalised R&D H1 25 Adjusted cash EBITDA 10 (€m) Notes: (1) Employee expenses exclude the non-cash item increase of €2.4m related to Share based payments (SBP). (2) Technology expenses and other OPEX increased by €1.1m and €3.6m respectively. Other OPEX relate mainly to professional services, travel, marketing, facilities etc. Margin 2.2 Commercial settlement • Increased headcount to support the business • 5.4% salary inflation

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29.8 24.4 11.8 12.8 9.6 10.6 5.2 5.1 8.5 7.2 2.5 5.4 3.1 3.8 1.0 1.4 FY 2023 FY 2024 H1 2024 H1 2025 Infrastructure OBU Tech & data Platform and products 11 50.9 46.0 14.6% 15.2%% net revenues H1 2025 integration and transformation FY 2025+ R&D capex below the cap level of €50m excl. OBUs and infrastructure Capital expenditure (€m) 20.5 24.7 15.7%19.8% Capitalised R&D +4.9% to €17.9m (H1 2024: €17.0m), expect higher in H2 OBUs +140% to 32,300 units; enabling growth in Toll and other data solutions. Standardising OBU hardware across the organisation Building a modern tech and data platform which will enable scalability. Continued migration of customer data; enabling new AI tools to be created within Eurowag Office app Continued development of the Eurowag office and products; H1 prioritised energy solution and customer migration, and launched e-wallet Capitalised R&D

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275.5 (63.9) (10.7) 6.3 9.2 (0.9) 3.1 2.8 2.4 244.6 20.9 FY 2024 net debt Adjusted EBITDA Non-cash items in Adj. EBITDA Tax Net interest Working capital Adjusting items - cash Capital expenditure¹ Lease payments Other H1 2025 net debt Free cash: €60.1m (H1 24: €50.0m ) (€m) Net leverageNet leverage Notes: (1) Capex includes proceeds from sales of assets. 12

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13 Organic growth Deleverage M&A Shareholder returns • Continue to invest in the platform and realising operational efficiencies; driving double digit net revenue growth, improved margins and strong cash generation • Capitalised R&D below the cap level of €50m1 • H1 2025 2.0x net leverage2 • FY 2025 to remain around 2.0x • FY 2025+ bolt on opportunities; new product or accelerate number of trucks on the platform and further enhance cross- sell opportunities. • Outperformance in cash generation, reiterated by the implementation of the new long-term incentive plan • Special dividend payment of €24.3 m in July 2025 • Maintain flexibility of investment within the business, before returning further cash to shareholders. Notes: (1) Excludes OBUs and infrastructure. (2) Net leverage covenant calculation as per bank definition using Adjusted EBITDA for the last twelve months divided by net debt which includes lease liabilities and derivative liabilities .

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14 Low double-digit net revenue growth FY 2025 margins in-line with FY24 margins excluding the non-cash impact on adj. EBITDA from new LTIP. Including P&L impact of new LTIP margins expected to be c.40%1 Net debt to adjusted EBITDA to move to remain around 2.0x, despite the special dividend payment of €24.3m in July Capitalised R&D below the cap level of €50m (excluding OBU and infrastructure) Notes: (1) Long-term incentive plan approved by shareholders at the EGM in September 2025. (2) Defined as Adjusted EBITDA less capitalised R&D plu s non-cash share-based payments. The value creation from the new integrated platform combined with operational efficiencies initiatives means Eurowag is well positioned for future growth and continued strong cash generation In the medium-term, low-teen CAGR for adj. cash EBITDA Middle of the guidance range of €90m - €100m communicated at FY24

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16 No. of active trucks No. of products per active truck Customer acquisition cost through digital and indirect channels Customer lifetime value ARPU through cross sell; platform enables acceleration >313,000 ~2.8 Today Monetise & Retain Attract & Engage Retention

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Strategy Operating model Governance and reporting 17 Elevate end-to-end customer care • Centralised tech and support teams • 24/7 support implemented across most markets • Implementation of AI and chatbots Centralised procurement processes and standardised hardware • Centralise procurement and reviewed suppliers • Standardise onboard units across data solutions, all components pre- installed Optimisation of operations • AI and robots implemented across Fuel, Toll and tax refund operations Integration of acquired businesses • Integration of FMS solutions • Rebranded all our acquired businesses • HR, travel and expense systems integrated Processes People Tech & data Standardisation and optimisation; enabling efficiencies and driving value creation Organisation design

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• Office Web Portal • Office App • Navigation • Customer data base • Reporting • Document management • Ordering services • Pricing services • Location based services • Vehicle information • Driver information • Company information • Transport information • Financial data • Payment transactions Direct Indirect Digital Integrated hardware and infrastructure • Transport management • Fleet management • Work time management • Financing and Payments • Tax • Toll 18

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Owner • Securing Revenues • Cost Control & Boost Profits • Business Oversight • Simplicity & Ease of Use • Support & Risk Protection Dispatcher • Efficient Planning • Real-time Oversight • Driver Behavior Discipline • Good Vehicle Conditions Driver • Reliable Navigation • Convenience & Comfort • Clear Instructions & Support • Safety t Customer’s needs to operate Customer survey 2025; customer’s top needs Eurowag office to solve our customers needs; bringing efficiencies to their operations and access to finance 19

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20 4 3 Phased launch of the integrated digital platform with Eurowag FMS and new improved navigation Active trucks Digital customer onboarding in selected countries Partnerships (OEMs) Integrating Eurowag services with partner services, digital onboarding Cross-sell Migrate Energy and Toll to platform and cross sell to FMS customers Group FMS customers engagement and migration Adding advanced financing with full integration of work time management, tax return and continuous improvement of all features Enhanced customer tools Advanced data analytics Value optimisation through cross-sell, customer loyalty, churn reduction and subscription bundles Expanded platform capabilities through integrated customer journeys, loyalty programs and dynamic pricing Introduction of Loads Marketplace services integrating 3rd parties into the platform Increased market penetration through expansion in Western Europe, through indirect and digital channels Migrate product Migrate existing customers Acquire new customers Phased roll out FY 2025 - FY 2026 Integrate data from hardware1 2 3 4 1 2 20

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AI-powered route builder AI-powered cost calculator Dispatcher management board Live updates to driver devices Live vehicle tracking for customer 22

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Copyright © 2025, W.A.G. payment solutions, a.s. eurowag.com eurowag.com Delivered double-digit net revenue and adj. cash EBITDA growth Energy solutions and e-wallet now available in the Eurowag office Started to trial indirect digital onboarding in Spain and Italy Net leverage now middle of our target range 1.5x-2.5x 23 Toll Solution available within Eurowag office and start to migrate Energy and Toll customers 30% of our customers using the platform by early next year Further develop our fully digital and indirect onboarding processes Continue to standardise and optimise operations across the Group; driving efficiencies and creating long term value

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Notes: (1) Units: e.g. litres of fuel, kilo of LNG /CNG, kWh for EV; (2) Operating profit is defined as net energy and services sales less operating costs that can be directly attributed to or controlled by the segments. Operating profit does not include indirect costs and allocation of shared costs that are managed at group level. Re-occurring transaction-based revenue streams Recurring subscription and other fee-based revenue streams Net revenue (% Total) Operating profit (2) (% Margin) Energy payments # of transactions (x) average units per transaction (x) fee per unit Toll payments processed volume (x) % take rate Transport management Subscription based Fleet management Subscription based Work time management Subscription based Tax refund processed volume (x) % take rate Smart routing Subscription based and lifetime license fees Other adjacent services Various 26

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Adjusted (€m) Adjusting items (€m) H1 2025 (€m) Adjusted (€m) Adjusting Items (€m) H1 2024 (€m) Net revenue 162.2 - 162.2 141.0 0.0 141.0 EBITDA 63.9 2.7 61.2 59.4 7.4 52.0 EBITDA margin (%) 39.4% 1.7% 37.7% 42.1% 5.2% 36.9% Depreciation, amortisation and impairments (25.4) 9.3 (34.7) 22.7 10.0 32.7 Share of net loss of associates (0.8) - (0.8) 0.3 0,0 0.3 Operating profit/(loss) 37.7 (12.0) 25.7 36.4 17.4 19.0 Finance income 3.8 - 3.8 1.9 0.0 1.9 Finance costs (13.8) - (13.8) (16.7) 0.0 (16.7) Profit/(loss) before tax 27.7 12.0 15.7 21.6 17.4 4.2 Income tax (7.5) (2.4) (5.1) (4.2) (2.5) (1.7) Profit/(loss) after tax 20.2 9.6 10.6 17.4 14.9 2.5 Basic earnings per share 2.92 1.38 1.53 2.51 2.16 0.35 27

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H1 2025 (€m) H1 2024 (€m) M&A related expenses1 (0.2) 2.2 ERP implementation and integration costs 2.9 3.0 Share-based compensation - 2.2 Impairment losses of non-financial assets - - Restructuring - - Adjusting items in operating expenses 2.7 7.4 Adjusting Items in depreciation and amortisation 9.3 10.0 Total adjusting items 12.0 17.4 Adjusted EBITDA reconciliation Adjusting items H1 2025 (€m) H1 2024 (€m) Profit before tax 15.7 4.2 Intangible assets amortisation 26.4 24.6 Tangible assets depreciation 5.0 5.2 Right-of-use depreciation 3.2 2.8 Depreciation and amortisation 34.7 32.7 Net finance costs and share of net loss of associates 10.8 15.1 EBITDA 61.2 52.0 Adjusting Items 2.7 7.4 Adjusted EBITDA 63.9 59.4 Note: (1) Released a provision relating to the acquisition of Inelo in H1 2025. 28

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aa 29 Working capital movement1 (€m) -10% -8% -6% -4% -2% 0% 2% 4% 6% 8% 10% (600) (400) (200) 0 200 400 600 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 H1 2024 H1 2025 Net working capital Net working capital % of gross revenue2 Trade payables Other payables Trade receivables Other receivables Inventories Notes: (1) Trade payables and receivables include AP/AR related to the core business. Other payables include employee related liabilities from social and health insurance, liabilities payable to employees for salaries and accrued vacations, advances aro und customer deposits related to OBUs and prepaid cards, as well as deferred acquisition considerations for Webeye and Aldobec. Other receivables include receivables from foreign tax authorities and financing of tax refund customers, advances related to the production of OBU units and other business-related advances. (2) Gross revenue calculated as revenue from contracts with custome rs plus toll volume, (3) Gross toll volume not included in external reporting as Eurowag is acting as agent. Gross revenue (€bn)3 0.9 1.4 1.3 1.6 2.4 2.1 2.2 1.1 1.2 0.6 0.7 0.8 0.9 1.0 1.1 1.5 0.7 0.8 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 H1 2024 H1 2025 Gross revenue Toll volume 1.5 2.1 2.0 2.5 3.4 3.2 1.9 3.7 2.0

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FY 22 FY 23 FY 24 FY 25 FY 26 FY 27 FY 28 Q1 29 Updated debt amortisation profile (€m) 150 358 200 310 273 237 164 Final payment Club finance agreement1 amended to extend maturity to 2029 and reduce term loan amortisation • Facility A: €150m amortising facility with quarterly repayments plus a €57.5m balloon • Facility B: €180m amortising facility with quarterly repayments plus a €69m balloon • Original Revolving Credit Facility of €235m for revolving loans and ancillary facilities • Original €150m uncommitted Incremental Facility for acquisitions, capital expenditure and revolving credit facilities Amortising interest rate swaps at H1 2025 Facility A and B: • Total of €151m with fixed interest rate between 2.25% and 3.49%, expires 2027 • Hedge ratio at approx. 52% of term loan exposure Interest rate margins Facility A and B: • 2.10% pa for net leverage between ≤ 3.2 ≥ 2.5 • 1.90% pa for net leverage ≤ 2.5 • Sustainability KPIs included in the multicurrency term and revolving facilities agreements Note: (1) Facility A of €150m, drawn October 2022. Facility B of €180m, drawn March 2023. Incremental Facility I, €50m drawn in May 2023. Incremental Facility II, €33.5m drawn in November 2023. Incremental Facilit y III, increased Revolving Credit Facility to €285m for revolving loans, 30

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31 13% 27% 12%5% 4% 14% 23% 2% Czech Republic Poland Other Central Cluster Portugal Other Western Cluster Romania Other Southern Cluster Not specified Central Cluster Southern Cluster Western Cluster 19% 15% 6% 15% w 13% 27% 14% 5% Note: Percentage represents proportion from total Group net revenue.

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