Announcement PDF ASX RELEASE Loan Book Growth Drives Significant Cash NPAT Improvement Strong loan originations and unit economics delivered Cash NPAT profitability in Q2FY26, seeing Wisr well placed to achieve H2FY26 profitability guidance Engage with this announcement at the Wisr Investor Hub. Sydney, 25 February 2026 - Wisr Limited (ASX: WZR) (“Wisr”, or the “Company”) is pleased to announce its H1FY26 results. Wisr delivered a strong H1FY26, with the loan book increasing 23% to $928.5M (Dec-24: $756.8M) and revenue increasing 14% to $51.5M (H1FY25: $45.3M). This growth was driven by sustained momentum in loan originations, which increased 82% to $311.0M (H1FY25: $170.8M). Cash NPAT for the half was ($0.7M), representing a 1 $1.6M improvement on H1FY25 ($(2.3)M). The improvement was driven by continued loan book growth, disciplined credit underwriting and improved loss performance, together with operating leverage as the loan book scales. Q2FY26 represented an inflection point, with the Company achieving Cash NPAT profitability. In November, the Company completed a well supported $10.6M equity capital raise, with proceeds primarily applied to reduce its corporate debt facility. The corporate debt facility was also refinanced at a materially lower interest margin, reducing funding costs and improving capital efficiency. These initiatives reinforce the Company's upgraded FY26 guidance, with Cash NPAT profitability expected for H2FY26. 1 EBITDA is calculated as Net Interest Margin less net loan losses and operating expenses. It excludes corporate facility finance costs and below-the-line items including share-based payments, depreciation and amortisation, ECL provisions and mark-to-market adjustments. ​ Cash NPAT is calculated as EBITDA, plus cash corporate facility finance costs. ​ ​ ​ Stay updated​ Scan to join Wisr’s Investor Hub​ ​ Wisr Limited ACN 004 661 205 | Level 9, 333 Kent Street, Sydney, NSW, 2000 | wisr.com.au 1 Lending ●​ Closing loan book of $928.5M, a 23% increase on Dec-24 ($756.8M), and a 13% increase on Jun-25 ($824.0M) ●​ Loan originations of $311.0M, an 82% increase on H1FY25 ($170.8M), and a 24% increase on prior half ($251.2M) ●​ Personal loan originations of $198.9M, an 83% increase on H1FY25 ($108.7M) and secured vehicle loan originations of $112.1M, an 81% increase on H1FY25 ($62.1M) ●​ Loan book average credit score increased to 807 (Dec-24: 798), reflecting disciplined credit 2 underwriting and a shift toward higher-quality originations ●​ 90+ day arrears decreased 42 bps to 1.13% (Dec-24: 1.55%) and 27 bps on prior half (Jun-25: 1.40%) ●​ Net losses decreased 49 bps to 1.38% (H1FY25: 1.87%) and 43 bps on prior half (H2FY25: 1.81%) 2 Total loan book weighted average Equifax credit score is the score at the time of application, includes active loans and excludes loans written off ​ ​ ​ Stay updated​ Scan to join Wisr’s Investor Hub​ ​ Wisr Limited ACN 004 661 205 | Level 9, 333 Kent Street, Sydney, NSW, 2000 | wisr.com.au 2 Financial ●​ Revenue increased 14% to $51.5M (H1FY25: $45.3M), driven by strong loan book growth ●​ Portfolio yield of 11.08% was broadly stable (H1FY25: 11.20%) ●​ Portfolio Net Interest Margin (NIM) was 5.26%, a decrease of 49 bps on H1FY25 (5.75%) 3 and 20 bps on prior half (5.46%) ○​ NIM in H1FY26 was impacted by temporarily elevated undrawn costs associated with the commencement of Warehouse 3, which began to unwind in the latter part of Q2FY26, with Q2FY26 achieving a NIM of 5.30%, reflecting higher warehouse utilisation, the benefits of warehouse restructuring and the successful pricing of the recent ABS transaction ●​ Portfolio Risk Adjusted Margin (RAM) was 3.89%, an increase of 2 bps on H1FY25 (3.87%) 4 and 24 bps on prior half (3.65%) ○​ Disciplined credit underwriting and a focus on higher-quality originations moderated NIM but strengthened risk settings, supporting an improving risk-adjusted margin through active arrears management and lower net losses ●​ EBITDA1 of $2.0M, representing a $1.2M improvement (H1FY25: $0.8M) driven by continued loan book growth, disciplined credit underwriting and improved loss performance, together with operating leverage as the loan book scales ●​ Cash NPAT for the half was ($0.7M), a $1.6M improvement on H1FY25 ($(2.3)M), with Cash NPAT profitability achieved in Q2FY26 4 RAM defined as NIM less net loan losses during the period 3 Net Interest Margin (“NIM”) defined as loan book yield less finance costs, excluding corporate facility interest cost and hedge accounting impacts. ​ ​ ​ Stay updated​ Scan to join Wisr’s Investor Hub​ ​ Wisr Limited ACN 004 661 205 | Level 9, 333 Kent Street, Sydney, NSW, 2000 | wisr.com.au 3 Platform and Operational Highlights ●​ Continued automation-driven improvements to loan approvals and credit decisioning, supporting operating leverage as the platform scales. 83% of loans are now automatically approved by an AI-powered decision engine (Dec-24: 78%), and 43% of loan verification steps are now automated (Dec-24: 20%) ●​ Loan proceeds are now processed via the New Payments Platform (NPP), enabling 24/7 settlement within seconds, improving customer conversion and satisfaction Capital ●​ In November 2025, Wisr completed a well supported $10.6M equity raise with proceeds used to repay $7.5M of the corporate debt facility and support loan origination growth ●​ The Company refinanced its corporate debt facility, delivering a material reduction in interest margin. At Dec-25, $27.5M was drawn from the $50.0M facility, with $10.0M committed and $12.5M uncommitted capacity ●​ The Company’s three warehouse facilities now have a total commitment of $767M (Jun-25: $917M) with $165M undrawn capacity, reflecting a reduction in facility limits to optimise commitment fees and increased ABS transaction cadence ●​ At Dec-25, 35% of the loan book is term deal funded (Jun-25: 23%) ●​ Unrestricted cash increased to $16.3M (Jun-25: $14.1M), as a result of the capital initiatives executed during the half​ Customer ●​ Continued momentum in the recently launched secured personal loan product ●​ Instant loan settlements to customers via the NPP ●​ Refreshed partner portal experience, improving broker experience and efficiency ●​ Strong customer Net Promoter Score of +82 ​ ​ ​ Stay updated​ Scan to join Wisr’s Investor Hub​ ​ Wisr Limited ACN 004 661 205 | Level 9, 333 Kent Street, Sydney, NSW, 2000 | wisr.com.au 4 Reaffirming FY26 Guidance5 Following a strong first half, Wisr reaffirms its upgraded FY26 guidance:​ ●​ Cash NPAT profitability expected in H2FY26 (consistent with upgraded November 2025 guidance) ●​ Loan originations growth: 40%+ (FY25: $422M) ●​ Revenue growth: 15%+ (FY25: $91.6M) ●​ Cost-to-income ratio improvement: <29% (FY25: 31%) Leadership Commentary Mr Andrew Goodwin, Wisr’s Chief Executive Officer, said, "The results delivered represent a fundamental business turnaround over the last 18 months, culminating in the achievement of Cash NPAT profitability for Q2FY26. The foundations are now very much in place to expand on this outcome. Loan originations grew 82% to $311.0M, driving the loan book to $928.5M and fast approaching $1B+. This growth was achieved alongside continued improvement in credit quality, with 90+ day arrears declining to 1.13% and net losses reducing to 1.38%, reflecting our disciplined approach to credit underwriting and portfolio management. The capital initiatives completed during the period, including the well supported equity raise and corporate facility refinancing, have materially improved our capital structure and reinforced our confidence in delivering on our upgraded guidance of Cash NPAT profitability in H2FY26. With continued growth and our platform driving increased automation and operational efficiency, we are well-positioned to continue scaling profitably and creating value for shareholders," concluded Mr Goodwin. Wisr Chief Executive Officer Mr Andrew Goodwin discusses Wisrʼs H1FY26 results in a video interview here: https://investorhub.wisr.com.au/link/rvvkor 5 Guidance will be reported on and refined as the year progresses. Forward-looking statements, whilst considered reasonable by Wisr at the date of this ASX release, involve known and unknown risks, assumptions and uncertainties, many of which are beyond Wisr’s control. There can be no assurance that actual outcomes will not differ materially from those stated or implied by these forward-looking statements, and readers are cautioned not to place undue weight on such forward-looking statements. ​ ​ ​ Stay updated​ Scan to join Wisr’s Investor Hub​ ​ Wisr Limited ACN 004 661 205 | Level 9, 333 Kent Street, Sydney, NSW, 2000 | wisr.com.au 5 Investors ​ The Wisr Investor Hub is a dedicated platform for investors to learn more about Wisr and contains Wisr’s Annual Reports, announcements, share price data as well as other updates. Sign up here. -ends- This announcement has been approved for release by the Board of Directors. For further investor enquiries, please contact: Andrew Palfreyman Company Secretary E: investor@wisr.com.au About Wisr Limited Wisr (ASX: WZR) is a purpose-built Australian fintech lender. The proprietary Wisr platform combines digital lending along with financial tools and features to help Australians pay down debt, access credit, better understand their financial standing and make smarter money decisions. For more information, visit www.wisr.com.au ​ ​ ​ Stay updated​ Scan to join Wisr’s Investor Hub​ ​ Wisr Limited ACN 004 661 205 | Level 9, 333 Kent Street, Sydney, NSW, 2000 | wisr.com.au 6