• Achieved EBITDA profitability, with $0.8M EBITDA in FY25
• Loan originations grew 101% to $422M, driving 7% loan book growth to $824M
• Improved portfolio yield, NIM and credit quality, with 90+ day arrears down to 1.40%

Wisr Ltd reported its FY25 results, highlighting strong financial and operational performance. The company achieved EBITDA profitability, with $0.8M EBITDA in FY25 compared to a $2.3M loss in the prior year. Loan originations grew 101% to $422M, driving a 7% increase in the loan book to $824M. Wisr saw improvements in portfolio yield, which increased 30 bps to 11.20%, and portfolio NIM, which increased 23 bps to 5.46%. The quality of Wisr's portfolio also improved, with the average credit score increasing to 804 and 90+ day arrears decreasing to 1.40%. The company remains well-capitalized, with $43.6M in cash on the balance sheet and $287M in undrawn warehouse capacity. Looking ahead, Wisr has set clear objectives for FY26, targeting 40% loan origination growth, 15% revenue growth, and a 29% cost-to-income ratio as it continues to scale its business and deliver profitability.

For FY26, Wisr is targeting 40% loan origination growth (FY25: $422M), 15% revenue growth (FY25: $91.6M), and a 29% cost-to-income ratio improvement (FY25: 31%).

Wisr remains focused on significantly improving Cash NPAT through accelerated loan book growth, disciplined cost management, and operating efficiencies. The company is poised for its next phase of growth, leveraging the strong results achieved in FY25.