Wisr Ltd. · ASX:WZR
Wisr — Q1 FY27 Earnings Presentation
16 slides from Wisr's earnings presentation, Oct 22, 2026
Slide 1: Company Update Q1FY27
rsonal use only COMPANY UPDATE Q1FY27 OCTOBER 2026 1
Slide 2: FY27 guidance upgrade
FY27 guidance upgrade Wisr is upgrading FY27 Cash NPAT guidance by 40% to at least $7.0M (previously at least $5.0M rsonal use only FY25 Cash NPAT FY27 Cash NPAT of at FY26 Cash NPAT $1.0M Wisr now expects to deliver FY27 Cash Guidance track $5.3M least $7.0M1 NPAT of at least $7.0M1, an upgrad
Slide 3: Record loan origination volume
Record loan origination volume $1 Billion annual run-rate rsonal use only Loan originations 73% growth 28% growth $125M Personal Loan Originations ↑35% Q1FY26 $93M $129M Secured Vehicle Loan Originations ↑138% Q1FY26 $54M 3
Slide 4: Loan book surpassed $1.2 Billion
Loan book surpassed $1.2 Billion Up 40% on sustained momentum Loan book rsonal use only 40% growth 12% growth $710M Personal Loan Book ↑27% Sep-25 $559M $501M Secured Vehicle Loan Book ↑62% Sep-25 $308M 4
Slide 5: Q1FY27 key results
Q1FY27 key results LENDING FINANCIAL CUSTOMER rsonal use only $1,211.0M 11.03% $33.1M Product expansion: simplified assessment for eligible personal loans Wisr loan book Portfolio yield Revenue as at Sep-26 Faster loans: integration of vehicle inspections and ↑40% (Sep-25: $867.6M) ↓11 bps (Q1FY26:
Slide 6: Wisr at a glance
Wisr at a glance Wisr loan book snapshot Automation-first fintech Sophisticated lender rsonal use only $1.2B loan book 82% $3.2B of loans automatically approved by AI-powered decision engine Personal loans Secured vehicle loans total loan originations 59% 41% of loan book of loan book 3 6 3 New loan
Slide 7: FY27 strategic priorities
Investment in AI FY27 strategic priorities rsonal use only Leveraging are mutually reinforcing AI Streamlined Increased processes revenue Operational leverage Automation Distribution Increased Consistent credit volume underwriting 7
Slide 8: Structural tailwinds creating opportunity
Structural tailwinds creating opportunity Major bank market share in structural Asset-Backed Securities (ABS) issuance Market opportunity / rsonal use only decline market is growing TAM3 ● The major banksʼ market share of the personal and ● Funding for certain lending assets has shifted from secured
Slide 9: Stable yield and risk-adjusted margin
Stable yield and risk-adjusted margin ● Quarterly portfolio yield stable at 11.03% Q4FY26 11.00%, Q1FY26 11.14%, as the benefit of front book pricing increases implemented in Q1FY27 offset the rsonal use only portfolio mix shift towards secured vehicle loans, which carry lower yields, funding co
Slide 10: NIM set at origination for the life of the loan
NIM set at origination for the life of the loan Interest income fixed at origination rsonal use only 1 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
Slide 11: Significant improvement in book performance
Significant improvement in book performance ● 90+ day arrears improved 28 bps to 0.86% Sep-25 Customer credit scores and 90+ day arrears rsonal use only 1.14%) and 15 bps on prior quarter Jun-26 1.01% ● Net losses improved 44 bps to 1.19% Q1FY26 1.63% and 11 bps on prior quarter Q4FY26 1.3
Slide 12: Robust funding program supports growth
Robust funding program supports growth Funding as at 30-Sep-26 rsonal use only ● The Companyʼs three warehouse facilities have total commitments of $887M Jun-26 $887M, with $165M of undrawn capacity $165M $1.4B ● At Sep-26, $30.0M was drawn from the $50.0M $1.2B Momentum26 corporate facility, wit
Slide 13: Funding capacity supports planned growth
Funding capacity supports planned growth Warehouse/ABS funding model ● Total liquidity stands at $33.0M, comprising $13.0M rsonal use only in unrestricted cash and $20.0M in undrawn corporate debt commitments ● Deploying $25M of this liquidity into warehouse and ABS seller notes supports additional
Slide 14: In summary
In summary rsonal use only FY27 guidance upgraded Loan book growth and record originations ✓ 40% improvement in FY27 Cash NPAT guidance to at least $7.0M ✓ Loan book increased 40% to $1,211.0M Sep-25 $867.6M, an eighth (previously at least $5.0M consecutive quarter of growth ✓ Driven by growth i
Slide 15: Questions
rsonal use only Questions 15
Slide 16: 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