Announcement PDF Q1FY27 COMPANY UPDATE OCTOBER 2026 1 FY27 Cash NPAT of at least $7.0M1 FY25 Cash NPAT $5.3M FY26 Cash NPAT $1.0M Wisr now expects to deliver FY27 Cash NPAT of at least $7.0M1 , an upgrade from original guidance of at least $5.0M This expected improvement will be driven by continued loan origination and loan book growth, operating leverage, disciplined cost management and productivity gains from Wisrʼs investments in automation and technology Wisr also expects Cash NPAT to grow substantially in FY28 as the business benefits from increased scale and further operating leverage Wisr holds $97.9M of carried-forward tax losses, providing a future benefit by reducing Wisrʼs effective tax rate, and supporting strong cash generation as taxable profits are achieved Wisr is upgrading FY27 Cash NPAT guidance by 40% to at least $7.0M (previously at least $5.0M 1 Guidance will be reviewed and updated in accordance with Wisr's continuous disclosure obligations. Forward-looking statements, whilst considered reasonable by Wisr at the date of this presentation, involve known and unknown risks, assumptions and uncertainties, many of which are beyond Wisrʼs 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. FY27 guidance upgrade Guidance track record Upgraded Exceeded FY26 FY25 Upgraded Exceeded FY25 FY26 FY27 $5.3M $1.0M 2 3 Record loan origination volume Secured Vehicle Loan Originations ↑138% Q1FY26 $54M $129M $1 Billion annual run-rate Personal Loan Originations ↑35% Q1FY26 $93M $125M Loan originations 28% growth 73% growth 4 Loan book surpassed $1.2 Billion Secured Vehicle Loan Book ↑62% Sep-25 $308M $501M Personal Loan Book ↑27% Sep-25 $559M $710M Loan book 12% growth 40% growth Up 40% on sustained momentum Note: Q1FY27 financial metrics and performance are unaudited 1 Total loan book weighted average Equifax credit score is the score at the time of application, includes active loans and excludes loans written off 2 NIM defined as loan book yield (calculated on an effective interest rate basis, inclusive of amortised broker commissions and establishment fee income) less finance costs, excluding corporate facility interest cost and hedge accounting impacts 3 RAM defined as NIM less net loan losses during the period 5 Q1FY27 key results FINANCIAL CUSTOMER LENDING ↑73% (Q1FY26: $146.8M) New loan originations $253.8M ↑28% (Q4FY26: $198.1M) $1,211.0M Wisr loan book as at Sep-26 ↑40% (Sep-25: $867.6M) ↑12% (Jun-26: $1,084.0M) Winner of WeMoneyʼs Innovation of the Year - Debt Reduction for DebtBustr 802 Average credit score of total book1 as at Sep-26 ↓5 (Jun-26: 807) ↓5 (Sep-25: 807) 0.86% 90+ day arrears ↓15 bps (Jun-26: 1.01%) ↓28 bps (Sep-25: 1.14%) ↓11 bps (Q4FY26: 1.30%) Net losses 1.19% ↓44 bps (Q1FY26: 1.63%) Portfolio Net Interest Margin (NIM)2 4.90% ↓21 bps (Q4FY26: 5.11%) ↓36 bps (Q1FY26: 5.26%) 3.71% Portfolio Risk Adjusted Margin (RAM)3 ↓10 bps (Q4FY26: 3.81%) ↑7 bps (Q1FY26: 3.64%) ↑10% (Q4FY26: $30.0M) Revenue $33.1M ↑32% (Q1FY26: $25.0M) 11.03% Portfolio yield ↑3 bps (Q4FY26: 11.00%) ↓11 bps (Q1FY26: 11.14%) Customer Net Promoter Score +80 Broker Net Promoter Score +81 Product expansion: simplified assessment for eligible personal loans Faster loans: integration of vehicle inspections and automated customer ID checks Customer self-service: increase in AI service agent tasks, reducing cost to service Automation-first fintech Wisr loan book snapshot Personal loans 59% of loan book Secured vehicle loans 41% of loan book New loan size average1 $36,616 Credit score average2 802 Source: Internal Wisr data on loan principal balance, as at Sep-26 1 For the quarter ending Sep-26 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 Sophisticated lender 3 warehouses 6 Executed term deals 3 called term deals $1.2B loan book of loan verification steps automated 52% of loans automatically approved by AI-powered decision engine 82% +80 Customer NPS Wisr at a glance $3.2B total loan originations 13,500+ brokers on panel 6 Streamlined processes Consistent credit underwriting Operational leverage Increased revenue Increased volume Investment in AI Automation Leveraging AI Distribution FY27 strategic priorities are mutually reinforcing 7 ● The major banksʼ market share of the personal and secured vehicle lending market continues to decline ● Their focus is mortgage and business lending, away from personal lending 70% market share in Dec-22 down to 56% in Aug-26 ● Two major banks have exited the secured vehicle lending market Share of total household lending with banks1 Major bank market share in structural decline 1 Source: Reserve Bank of Australia; Personal loans data refers to unsecured lending only - 2026 as at August 2026, other periods as at Dec 2 Source: NAB Capital Markets - 2026 represents an extrapolation of YTD August 2026, other periods as at Dec 3 Total addressable market size is a management estimate, which includes consumer and commercial lending segments in Australia ABS issuance breakdown2 Asset-Backed Securities (ABS) issuance market is growing ● Funding for certain lending assets has shifted from bank balance sheets to the ABS market ● ABS issuances have increased substantially as non-bank lenders increase their secured vehicle lending market share Wisr market share 0.8% Secured vehicle loan originations ~$46B Market opportunity / TAM3 8 Structural tailwinds creating opportunity Wisr market share 3.7% Personal loan originations ~$12B 1 NIM defined as loan book yield (calculated on an effective interest rate basis, inclusive of amortised broker commissions and establishment fee income) less finance costs, excluding corporate facility interest cost and hedge accounting impacts 2 RAM defined as NIM less net loan losses during the period 9 ● Quarterly portfolio yield stable at 11.03% Q4FY26 11.00%, Q1FY26 11.14%, as the benefit of front book pricing increases implemented in Q1FY27 offset the portfolio mix shift towards secured vehicle loans, which carry lower yields, funding costs and credit losses ● Net Interest Margin NIM1 decreased 21 bps to 4.90% Q4FY26 5.11%) and 36 bps from prior comparative quarter Q1FY26 5.26%, reflecting the shift in portfolio mix during the quarter ● Risk-adjusted margin RAM2 stable at 3.71% Q4FY26 3.81%, Q1FY26 3.64%, as the improvement in net losses largely offset NIM compression, demonstrating the quality of the loan book and lower loss profile of secured vehicle loans Portfolio yield Portfolio Net Interest Margin (NIM)1 Portfolio risk-adjusted margin RAM2 Stable yield and risk-adjusted margin Variable cost of funds in warehouse SWAP Fixed cost of funds (post SWAP NIM 4.9%1 p.a. at origination NIM 4.9%1 p.a. over life of a loan SWAP income SWAP expense At origination Life of a loan Swap cash flows offset movements in BBSW Rising BBSW generates swap income that offsets higher funding costs Falling BBSW generates swap expense that offsets lower funding costs NIM is preserved in both environments 1 month BBSW Fixed rate swap Illustrative example: How Wisr maintains stable margin through interest rate cycles Interest income fixed at origination Each loan is originated at a fixed interest rate, providing certainty over interest revenue for the full life of the loan (circa 4 years) Funding cost linked to variable BBSW at origination Funding costs are contractually linked to BBSW, with variable exposure on a pre-hedged basis only Swaps convert variable funding cost to fixed cost Wisr executes monthly interest rate swaps that economically “swapsˮ BBSW-linked variable funding into a fixed cost aligned with loan term Income and funding matched at origination With both sides fixed, Wisr effectively locks in Net Interest Margin NIM) when the loan is originated, delivering predictable unit economics for the life of loan regardless of movements in the BBSW rate (or RBA cash rate) 1 2 3 4 Fixed interest rate charged to customers 1 2 3 4 Fixed rate income 1 Current portfolio NIM NIM set at origination for the life of the loan 10 Net losses ($ and %) ● 90+ day arrears improved 28 bps to 0.86% Sep-25 1.14%) and 15 bps on prior quarter Jun-26 1.01% ● Net losses improved 44 bps to 1.19% Q1FY26 1.63% and 11 bps on prior quarter Q4FY26 1.30%, reflecting continued improvement in underlying credit performance Customer credit scores and 90+ day arrears Weighted average portfolio credit score 90+ day arrears Net losses Net losses as % of average loan book Significant improvement in book performance 11 ● The Companyʼs three warehouse facilities have total commitments of $887M Jun-26 $887M, with $165M of undrawn capacity ● At Sep-26, $30.0M was drawn from the $50.0M corporate facility, with $20.0M undrawn $7.5M committed and $12.5M uncommitted capacity) ● Unrestricted cash of $13.0M, which together with the undrawn corporate facility provides total liquidity of $33.0M to support growth Corp Facility WH1 WH2 WH3 F23 F25 M26 % drawn 60% 80% 80% 93% 100% 100% 100% Products Corp PL SVL Mixed PL PL Mixed Funding as at 30-Sep-26 Robust funding program supports growth 12 $1.2B $165M $1.4B Momentum26 Freedom25 Freedom23 Mixed Warehouse SVL Warehouse PL Warehouse Corporate Facility Total Facility Undrawn Drawn $0.8B Warehouse and ABS funding Funding capacity supports planned growth ● Total liquidity stands at $33.0M, comprising $13.0M in unrestricted cash and $20.0M in undrawn corporate debt commitments ● Deploying $25M of this liquidity into warehouse and ABS seller notes supports additional lending of circa $0.8B, taking the total loan book to circa $2.0B ● At this scale the loan book derives annualised revenue of $220M and Risk Adjusted Margin RAM of $74M ● The incremental $0.8B of lending generates annualised RAM of circa $30M, a circa 120% annualised return on the $25M invested ● At this scale the business generates sufficient cash flow to fund continued book growth from operating cash flow Note: This is not a forecast. The data represents an indicative scenario of the economics of the Wisr Loan Book. Indicative economics are illustrative only and may vary due to a range of assumptions and variables. Data is subject to broader market conditions, including (but not limited to) movement in interest rates, macroeconomic conditions, and/or significant market volatility events $25M seller notes Wisr contribution) Utilising $25M of available liquidity $1.2B Existing loan book Warehouse/ABS funding model CIRCA $2.0B loan book Yield Annualised revenue x 11.03% = $220M Risk Adjusted Margin (RAM) Annualised RAM x 3.71% = $74M Illustrative lending opportunity Cash flow self sustaining at scale 13 ✓ Loan book increased 40% to $1,211.0M Sep-25 $867.6M, an eighth consecutive quarter of growth ✓ Record quarterly originations of $253.8M, up 73% Q1FY26 $146.8M, a $1 Billion annual run-rate In summary ✓ 40% improvement in FY27 Cash NPAT guidance to at least $7.0M (previously at least $5.0M ✓ Driven by growth in the loan book, operating leverage and technology-driven productivity gains ✓ Substantial growth expected in FY28 ✓ $97.9M of carried-forward tax losses, supporting strong cash generation as taxable profits are achieved FY27 guidance upgraded Loan book growth and record originations ✓ Q1FY27 revenue of $33.1M, up 32% Q1FY26 $25.0M ✓ 90+ day arrears improved to 0.86% Sep-25 1.14% ✓ Net losses improved to 1.19% Q1FY26 1.63% Revenue momentum and improving credit performance ✓ Simplified assessment for personal loans ✓ Automated asset and income verification ✓ Originations growth, reduced servicing cost and increased customer/broker satisfaction ✓ Customer NPS 80; Broker NPS 81 AI automation driving efficiency and customer experience 14 Questions 15 Disclaimer No investment advice or offer of shares This presentation does not constitute investment advice, or an inducement or recommendation to acquire or dispose in any shares of Wisr, in any jurisdiction. Risks and assumptions This presentation contains statements (including forward-looking statements), opinions, projections, forecasts and other material, based on various assumptions. Whilst this presentation was prepared with care and attention, those assumptions may or may not prove to be correct. All forward-looking statements, whilst considered reasonable by Wisr at the date of this presentation, involve known and unknown risks, assumptions and uncertainties, many of which are beyond Wisrʼs 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. To understand more about the risks and uncertainties faced by Wisr refer to the 2026 Annual Report. Statements about past performance are not necessarily indicative of future performance. To the extent required by law, neither Wisr of any of its directors, officers, employees and agents give any warranty, representation or guarantee as to the accuracy or likelihood of fulfillment of any forward-looking statement in this presentation or assumption upon which any part of this presentation is based or the accuracy, completeness or reliability of the information contained in this presentation. Non-GAAP financial measures A number of non-GAAP financial measures are used in this presentation. You should not consider any of these in isolation from, or as a substitute for, the information provided in the audited consolidated financial statements, which are available at: www.wisr.com.au Dollar estimates All references to dollars, cents or $ in this presentation are to Australian currency, unless otherwise stated. ABN 80 004 661 205 16