• Strongly capitalised to fund growth with $15.3M of unrestricted cash and $15M undrawn corporate facility
• Net losses decreased 43 bps to 1.63% and 90+ day arrears decreased 26 bps to 1.14%, reflecting improved credit performance
• Loan book grew 15% to $867.6M, underpinned by 90% increase in loan originations to $146.8M

Wisr Ltd reported a solid set of Q1FY26 results, highlighting the company's strong momentum and execution capabilities. The loan book grew 15% year-on-year to $867.6 million, driven by a 90% increase in loan originations to $146.8 million. Both the personal loan and secured vehicle loan portfolios recorded strong growth, up 13% and 20% respectively. The company's focus on credit quality was evident, with net losses decreasing 43 bps to 1.63% and 90+ day arrears falling 26 bps to 1.14%. Wisr's funding program remains robust, with the execution of a third warehouse facility and the completion of its fifth ABS transaction, the $250 million Wisr Freedom Trust 2025. This provides the company with ample liquidity to support its continued growth. Revenue increased 11% to $25.0 million, underpinned by a stable quarterly portfolio yield of 11.14%. Wisr remains focused on significantly improving its Cash NPAT through accelerated loan book growth, disciplined cost management, and operating efficiencies. The company has reaffirmed its FY26 guidance, targeting 40% loan origination growth, 15% revenue growth, and a 29% improvement in its cost-to-income ratio.

FY26 Guidance Reaffirmed: - 40% loan origination growth (FY25: $422M) - 15% revenue growth (FY25: $91.6M) - 29% improvement in cost-to-income ratio (FY25: 31%)