Solvar Limited · ASX:SVR
Solvar — Investor Presentation (February 2026)
13 slides from Solvar's investor presentation, Feb 18, 2026
Slide 1: H1 FY26 Investor Presentation
H1 FY26 Investor Presentation 18 February 2026 Scott Baldwin (Managing Director & CEO) Siva Subramani (CFO) WWW.SOLVAR.COM.AU 1
Slide 2: H1 26 Highlights
H1 26 Highlights Strategic accomplishments Regulatory update • Newly launched commercial business expanding - commercial loan book • ASIC v Money3 Judgement delivered with majority of claims dismissed by exposure ~$67.0m the Federal Court • Sale of New Zealand written off loan book for $NZ9.4m accel
Slide 3: Highlights H1 FY26
Highlights H1 FY26 Loan Book Interest Income1 Cash Collections Continuing operations Continuing operations Continuing operations Originations Bad Debts, net $ 846.6m $ 90.7m $ 244.6m $ 212.8m 2.9% (Annualized) Discontinued: $50.3m Discontinued: $7.5m Discontinued: $25.5m 0.6% increase on pcp Decreas
Slide 4: H1 FY26 Results
H1 FY26 Results WWW.SOLVAR.COM.AU 4
Slide 5: Group Financial Results
Group Financial Results H1 FY26 H1 FY26 H1 FY25 Growth % Strong Christmas demand from returning customers along with AUDm unless stated otherwise commercial lending growth reversed slow start to H1 FY26, driving an uplift in H2 interest income Interest income1 98.2 108.6 (9.5%) New Zealand now less
Slide 6: Capital Management
Capital Management Value creation – Consistent fully franked dividends – Moderately leveraged giving flexibility Share Buyback Dividends Australia - Leverage AUD m 30 Cents 30 125% 100% $20.9 8.0% 24.4 25 22.6 100% 73% 20 80% 71% 71% 71% $13.5 14.3 20 60% 16.5 15.5 75% 60% $8.3 4.0% 15 13.0 14.0 10
Slide 7: H1 FY26 Results: Bad debt, debt facilities, loan book quality
H1 FY26 Results Stable bad debts – Significant funding headroom – Stable credit quality Group - Bad debt Group - Debt facilities Group – Loan book quality1 AUD m 1,200 1,123 5.0% H1 56% 26% 15% 3.3%0.4% 4.4% Headroom 285 FY26 900 601 FY25 53% 24% 18% 6% 0.4% 4.0% 522 600 187 758 FY24 54% 23% 17% 6%
Slide 8: Outlook
Outlook WWW.SOLVAR.COM.AU 8
Slide 9: FY26 Outlook
FY26 Outlook Financial Operations Market • Forecast normalised NPAT of $36m • Bennji expansion underway, ready to • Labour market remains tight with low (including one-off sale of written off loan expand broker-introduced referral and unemployment supporting a neutral book in New Zealand) expected t
Slide 10: Thank you!
Thank you! CEO & Managing Director Chief Financial Officer Scott Baldwin Siva Subramani +61 3 7031 6019 +61 3 7031 6018 s.baldwin@solvar.com.au s.subramani@solvar.com.au WWW.SOLVAR.COM.AU 10
Slide 11: Glossary of Terms
Glossary of Terms A$ or $ - Australian dollars H1 – Results relating to the first half of the financial year, July - December Active customer - A customer with an outstanding balance H2 – Results relating to the second half of the financial year, January – June ASIC – Australian Securities and Inves
Slide 12: Product Overview
Product Overview Secured & unsecured consumer loans, typically Consumer and commercial secured lending, Secured commercial asset finance, typically Product over 24-72 months typically over 48 – 72 months over 48 - 84 months Loan Size Up to $100,000 Up to $150,000 Up to $500,000 Consumers seeking to
Slide 13: Disclaimer
Disclaimer The content of this presentation has been prepared by Solvar Limited (the Company) for general information purposes only. Any information included in this presentation on future financial performance, including industry sectors, income, profit and employment types, represent estimates of