Wisr Ltd. · ASX:WZR
Wisr — Investor Presentation (January 2026)
19 slides from Wisr's investor presentation, Jan 29, 2026
Slide 1: Company Update Q2FY26
COMPANY UPDATE Q2FY26 JANUARY 2026 1
Slide 2: Establishing market presence
FY17FY22 FY23FY24 FY25 FY26 AND BEYOND Establishing Macroeconomic uncertainty Return to Scale and market presence and moderated growth growth profitability Quarterly loan originations 2
Slide 3: Key Q2FY26 Results
KEY Q2FY26 RESULTS LENDING FINANCIAL CAPITAL CUSTOMER $928M 11.08% $26.5M Unrestricted cash of Instant loan settlements via NPP Wisr loan book Portfolio yield Revenue $16.3M provide customer funds instantly and available 24/7 as at Dec-25 ↑23% Dec-24 $757M ↓12 bps Q2FY25 11.20% ↑16% Q2FY25 $
Slide 4: Q2FY26 Capital Initiatives
Wisr Settles $250M ABS transaction Q2FY26 Oct-25 Wisrʼs fifth ABS transaction decreases cost of funds and increases funding capacity CAPITAL INITIATIVES Wisr completes an equity capital raise of $10.6M Nov-25 Capital raise proceeds used to repay $7.5M of corporate Capital initiatives debt and suppor
Slide 5: Wisr at a Glance
WISR AT A GLANCE Since 2018, Wisr has supported Australians in reaching their personal and financial goals 81K 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 6: An Automation-First Fintech
AN AUTOMATIONFIRST FINTECH Automation of Automation of Instant loan loan approvals loan verification steps settlements ● 83% of loans automatically approved ● 43% of loan verification steps automated ● Loan proceeds processed via the ‘New by AI powered decision engine Payments Platformʼ NPP ● Set
Slide 7: 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 8: 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 9: Strong Loan Book Growth
STRONG LOAN BOOK GROWTH ● Continued momentum in loan originations Loan book drove total loan book growth for the fifth 23% growth consecutive quarter, reaching $928.5M as at Dec-25 Dec-24 $756.8M ● The personal loan book increased 21% to 7% growth $597.7M Dec-24 $492.4M ● The secured vehicle l
Slide 10: Sustained Loan Origination Growth
SUSTAINED LOAN ORIGINATION GROWTH ● The Company delivered its seventh Loan originations consecutive quarter of strong loan 76% growth origination growth in Q2FY26 12% growth ● Loan originations increased to $164.2M in the period, up 76% on Q2FY25 $93.5M and up 12% on Q1FY26 $146.8M ● Personal lo
Slide 11: Stable Yield, Improving NIM and Credit Quality
STABLE YIELD, IMPROVING NIM AND CREDIT QUALITY ● Quarterly portfolio yield of 11.08% is broadly stable Q2FY25 11.20% and Q1FY26 11.14%, driven by disciplined pricing and notwithstanding higher credit quality and greater proportion of secured vehicle loans ● Quarterly portfolio Net Interest Margi
Slide 12: Improvement in Arrears and Losses
IMPROVEMENT Customer credit scores and 90+ day arrears IN ARREARS AND LOSSES ● 90+ day arrears decreased 42 bps to 1.13% Dec-24 1.55%) and 1 bps on prior quarter Sep-25 1.14% ● Net losses decreased 57 bps to 1.15% Q2FY25 1.72%) and 48 bps on prior quarter Q1FY26 1.63% Weighted average port
Slide 13: Robust Funding Program Supports Growth
ROBUST FUNDING PROGRAM SUPPORTS GROWTH ● The Companyʼs three warehouse facilities now have a Funding as at 31Dec-25 total commitment of $767M Sep-25 $917M) with $165M undrawn capacity, reflecting a reduction in facility limits to optimise commitment fees and increased ABS transaction cadence ● In
Slide 14: 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 15: Strongly Capitalised
Cash held in warehouses and term deal trusts STRONGLY ● Undistributed customer loan repayments (principal and interest) ● Unutilised funds from note subscriptions (predominantly third-party debt) CAPITALISED ● Use of funds restricted to funding loans and operating warehouses and term deals e.g. Trus
Slide 16: FY26 Guidance
Cash NPAT profitability expected in H2 FY26 Upgraded in Nov-25 FY26 Loan origination growth GUIDANCE1 FY25 $422M 40% Completion of the equity capital raise and refinancing of the corporate debt facility materially reduced Wisrʼs funding costs and strengthened the balance sheet, resulting in Re
Slide 17: Executive Summary
EXECUTIVE ✓ The loan book increased 23% to $928.5M Q2FY25 $756.8M, driven by continued momentum in SUMMARY Accelerating loan book growth origination of both personal and secured vehicle loans ✓ Loan originations increased 76% to $164.2M Q2FY25 $93.5M ✓ Revenue increased 16% to $26.5M Q2FY25
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