Wisr Ltd. · ASX:WZR
Wisr — Investor Presentation (October 2025)
17 slides from Wisr's investor presentation, Oct 27, 2025
Slide 1: Company Update Q1FY26
COMPANY UPDATE Q1FY26 OCTOBER 2025 1
Slide 2: Establishing market presence
FY17FY22 FY23FY24 FY25 FY26 AND BEYOND Establishing Macroeconomic uncertainty and Return to Scale and market presence moderated growth growth profitability Quarterly loan originations 2
Slide 3: Key Q1FY26 Results
KEY Q1FY26 RESULTS LENDING FINANCIAL CAPITAL CUSTOMER $146.8M 11.14% $25.0M Unrestricted cash of Instant loan settlements via NPP New loan originations Portfolio yield Revenue $15.3M provide customer funds instantly and available 24/7 ↑90% Q1FY25 $77.3M ↑5% Q4FY25 $140.3M ↑2 bps Q1FY25 11.12
Slide 4: Wisr at a Glance
WISR AT A GLANCE Since 2018, Wisr has supported Australians in reaching their personal and financial goals 76K total number of customers supported 1 We are a sophisticated, purpose-built fintech lender with a proven track record of executing in the debt capital markets 3 5 2 warehouses executed ter
Slide 5: An Automation-First Fintech
AN AUTOMATIONFIRST FINTECH Automation of Automation of Instant loan loan approvals loan verification steps settlements ● 82% of loans automatically approved by AI ● 42% of loan verification steps automated ● Loan proceeds processed via the ‘New powered decision engine Payments Platformʼ NPP CREDI
Slide 6: Structural Tailwinds Creating Opportunity
STRUCTURAL TAILWINDS CREATING OPPORTUNITY Market opportunity Major banks are exiting key Asset-Backed Securities ABS / TAM4 lending markets issuance market is growing ● The major banksʼ market share of the personal and ● Funding for certain lending assets has shifted from secured vehicle lending m
Slide 7: Our Customers
OUR CUSTOMERS What does the average Wisr loan look like? Why are customers coming to us? Where are our customers located? NT 1% Personal loans Secured vehicle loans WA QLD 35% 64% 36% 15% of loan book of loan book NSW 22% Vehicles3 64% SA ACT 5% 1% VIC TAS 19% 2% New loan size average1 Credit score
Slide 8: Strong Loan Book Growth
STRONG LOAN BOOK GROWTH ● Continued strength in loan originations Loan book drove total loan book growth for the fourth consecutive quarter, reaching $868M as at 15% growth Sep-25 Sep-24 $753M 12% growth ● The personal loan book increased 13% to $559M Sep-24 $497M ● The secured vehicle loan bo
Slide 9: Sustained Loan Origination Growth
SUSTAINED LOAN ORIGINATION GROWTH ● The Company delivered its sixth Loan originations consecutive quarter of strong loan origination growth in Q1FY26 90% growth ● Loan originations increased to $146.8M in the period, up 90% on Q1FY25 $77.3M and up 5% on Q4FY25 $140.3M ● Wisr has a significant sc
Slide 10: Yield Stable with Credit Quality Improvement
YIELD STABLE WITH CREDIT QUALITY IMPROVEMENT ● Quarterly portfolio yield of 11.14% was stable compared to both the prior corresponding period Q1FY25 11.12%) and quarter-on-quarter Q4FY25 11.20%, underpinned by disciplined pricing and notwithstanding a higher-quality credit mix and greater propo
Slide 11: Improvement in Arrears and Losses
IMPROVEMENT Customer credit scores and 90+ day arrears IN ARREARS AND LOSSES ● 90+ day arrears decreased 26 bps to 1.14% from Sep-25 1.40%) and 26 bps from Jun-25 1.40%, reflecting continued improvements in credit performance and arrears management ● Net losses decreased 43 bps to 1.63% from Q1FY
Slide 12: Robust Funding Program Supports Growth
ROBUST FUNDING PROGRAM SUPPORTS GROWTH ● WH1 Personal Loan WH) has $400M of committed Funding at 30Sep-25 funding $56M undrawn), WH2 Secured Vehicle WH has $250M of committed funding $42M undrawn) ● Executed third warehouse (mixed Personal Loan and Secured Vehicle) with committed funding of $2
Slide 13: Strongly Capitalised
STRONGLY CAPITALISED Cash held in warehouses and term deal trusts: ● Undistributed customer loan repayments (principal and interest) ● Unutilised funds from note subscriptions (predominantly third-party debt) ● Use of funds restricted to funding loans and operating warehouses and Total cash on term
Slide 14: FY26 Guidance Reaffirmed
Loan origination growth FY25 $422M 40% Revenue growth FY25 $91.6M 15% FY26 GUIDANCE REAFFIRMED1 Cost-to-income ratio improvement FY25 31% 29% Wisr remains focused on significantly improving Cash NPAT through accelerated loan book growth, disciplined cost management and operating efficien
Slide 15: Executive Summary
EXECUTIVE ✓ The loan book increased by 15% to $867.6M Q1FY25 $753.3M, underpinned by strong growth SUMMARY across both personal and secured vehicle loans Continued momentum in ✓ Loan originations increased by 90% to $146.8M Q1FY25 $77.3M loan book growth ✓ October originations on pace to excee
Slide 16: Questions
QUESTIONS 16
Slide 17: Disclaimer
DISCLAIMER No investment advice or offer of shares Statements about past performance are This presentation does not constitute not necessarily indicative of future investment advice, or an inducement or performance. To the extent required by recommendation to acquire or dispose in law, neither Wisr