Wisr Ltd. · ASX:WZR
Wisr — Corporate Update (July 2026)
19 slides from Wisr's corporate update, Jul 28, 2026
Slide 1: Company Update Q4FY26
COMPANY UPDATE Q4FY26 JULY 2026 1
Slide 2: Moderated growth settings, return to growth, scale and profitability
FY24 FY25 FY26 Moderated growth settings Return to growth Scale and profitability Loan book reached $1.1B at Jun-26, with first full year of Cash NPAT profitability $1.0M1 65% originations growth in FY26 1 Cash NPAT is unaudited and calculated as Net Interest Margin less net loan losses, operating
Slide 3: FY26 guidance metrics exceeded
Guidance Actual1 Expected in Cash NPAT profitability H2FY26: $1.7M H2FY26 FY26 guidance Loan origination growth (FY25: $422M) 50%+ 65% (FY26: $695M) metrics exceeded Revenue growth (FY25: $92M) 15%+ 19% (FY26: $109M) Cost-to-income ratio improvement (FY25: 31%) <29% 28% 1 3 FY26 financial metrics an
Slide 4: FY27 Guidance
FY27 Guidance After achieving Cash NPAT profitability in FY26, Wisr is poised for its next phase of growth. FY25 Cash NPAT FY27 Cash NPAT of at FY26 Cash NPAT $1.0M3 $5.3M2 least $5.0M1 Wisr expects to deliver FY27 Cash NPAT of at least $5.0M1, a significant increase from unaudited FY26 Cash NPA
Slide 5: Q4FY26 key results
Q4FY26 key results LENDING FINANCIAL CAPITAL CUSTOMER $1,084M 11.00% $30.0M Unrestricted cash of New AI tools for simpler underwriting, Wisr loan book Portfolio yield Revenue $16.6M settlements, servicing and collections as at Jun-26 ↑32% Jun-25 $824M ↓20 bps Q4FY25 11.20% ↑26% Q4FY25 $23.9M
Slide 6: Wisr at a glance
Wisr at a glance Wisr loan book snapshot Automation-first fintech Sophisticated lender $1.1B loan book 82% $2.9B of loans automatically approved by AI-powered decision engine total loan originations Personal loans Secured vehicle loans 61% 39% of loan book of loan book 48% 3 6 2 warehouses executed
Slide 7: Structural tailwinds creating opportunity
Structural tailwinds creating opportunity Market opportunity / Major banks are exiting Asset-Backed Securities (ABS) TAM3 key 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 8: Strong loan book growth
Strong loan book growth ● Continued momentum in loan originations Loan book drove total loan book growth for the seventh consecutive quarter, reaching 32% growth $1,084.0M at Jun-26 Jun-25 $824.0M ● The personal loan book increased 24% to 8% growth $664.8M Jun-25 $535.4M ● The secured vehicle
Slide 9: Record loan origination volume
Record loan origination volume ● The Company delivered a record quarter Loan originations in loan originations, the ninth consecutive quarter of strong loan origination growth 41% growth ● Loan originations of $198.1M, a 41% increase on Q4FY25 $140.3M) and 6% increase on prior quarter $186.1M ● P
Slide 10: Stable yield and risk-adjusted margin
Stable yield and risk-adjusted margin ● Quarterly portfolio yield stabilised at 11.00% Q4FY25 11.20%, Q3FY26 10.99%, as the benefit of front book pricing increases implemented in Q3FY26 offset the portfolio mix shift towards secured vehicle loans, which carry lower yields, funding costs and cred
Slide 11: NIM set at origination for the life of the loan
NIM set at origination for the life of the loan 1 Interest income fixed at origination Each loan is originated at a fixed interest rate, Illustrative example: How Wisr maintains stable margin through interest rate cycles Fixed rate income providing certainty over interest revenue for the full life o
Slide 12: Improvement in book performance
Improvement in book performance ● 90+ day arrears improved 39 bps to 1.01% Jun-25 Customer credit scores and 90+ day arrears 1.40%) and improved 13 bps compared to prior quarter Mar-26 1.14% ● Net losses improved 36 bps to 1.30% Q4FY25 1.66%) and improved 14 bps on prior quarter Q3FY26 1.44
Slide 13: Robust funding program supports growth
Robust funding program supports growth ● In May 2026, Wisr priced its sixth and largest ABS Funding as at 30-Jun-26 transaction, the $354M Wisr Momentum Trust 20261, upsized from $300M ● The transaction was Wisrʼs first combined personal loan and secured vehicle loan ABS, achieving AAA Moodyʼs rati
Slide 14: Funding capacity supports planned growth
Funding capacity supports planned growth 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
Slide 15: FY27 strategic priorities are mutually reinforcing
Investment in AI FY27 strategic priorities Leveraging are mutually reinforcing AI Streamlined Increased processes revenue Operational leverage Automation Distribution Increased Consistent credit volume underwriting
Slide 16: Three horizons of progress
Three horizons of progress Building a purpose-led platform that grows enterprise value over time HORIZON 3 We are here A platform business delivering network effects HORIZON 2 3+ years) Scale the core. Expand distribution, Unlock our advantage verticals and products ● One platform powering multiple
Slide 17: In summary
In summary FY26 guidance ✓ Exceeded all FY26 guidance metrics, delivering first full year of Cash NPAT profitability of $1.0M FY25 $5.3M, with $1.7M in H2FY26 exceeded and ✓ Loan origination growth of 65%, revenue growth of 19% and cost-to-income of 28%, each strong FY27 exceeding guidance outl
Slide 18: Questions
Questions 18
Slide 19: 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