• Loan originations of $422M, a 101% increase on FY24
• Closing loan book of $824M, a 7% increase on Jun-24
• EBITDA of $0.8M, a $3.1M improvement on FY24

Wisr Limited (ASX: WZR) is pleased to share its financial results for the financial year ending 30 June 2025 (FY25). Wisr delivered strong results across all its key metrics in FY25, marking a return to growth following a period of moderated loan volume settings. This was headlined by the Company achieving 101% growth in loan originations over the period ($422M), exceeding its upgraded guidance of 90%+. In addition, Wisr saw three consecutive quarters of loan book growth in FY25, finishing the period with a $824M loan book and $0.8M EBITDA profit. The Company's personal loan originations grew by 69% to $271M, and secured vehicle loan originations increased by 207% to $151M. Wisr's loan book average credit score increased to 804, and 90+ day arrears decreased by 18 bps to 1.40%. The Company's portfolio yield increased by 30 bps to 11.20%, and portfolio Net Interest Margin increased by 23 bps to 5.46%. Revenue was broadly flat at $91.6M, but EBITDA improved by $3.1M to $0.8M. Wisr also announced the execution of a third loan funding warehouse facility with Barclays Bank PLC, securing a $267M commitment to support ongoing growth. The business remains well capitalized with unrestricted cash of $14.1M.

Wisr has set the following objectives for FY26: Loan originations growth of 40%+ (FY25: $422M), revenue growth of 15%+ (FY25: $91.6M), and cost-to-income ratio improvement to less than 29% (FY25: 31%).

Wisr is well-positioned to continue its momentum in FY26 after executing its third warehouse facility. The company believes FY25 is just the beginning of what is possible as it continues to innovate, grow its market share, and support more people in progressing towards what matters to them.