By Digifin Pty Ltd · About this coverage
Key Points
- FY27 Cash NPAT guidance raised to at least $7.0M from at least $5.0M
- Record loan originations of $253.8M, up 73%
- Loan book of $1,211.0M, up 40% on Sep-25
- Net Interest Margin down 21 bps to 4.90% on portfolio mix shift
- 90+ day arrears improved to 0.86%
About Wisr (ASX:WZR)
Wisr Limited is an ASX-listed consumer finance company headquartered in Sydney. It provides personal loans and secured vehicle loans to Australian borrowers through a digital lending platform, and offers financial tools aimed at helping customers manage and pay down debt.
Wisr (ASX:WZR) has raised its FY27 Cash NPAT guidance after a record quarter of loan originations lifted its loan book to $1,211.0M.
Loan originations were $253.8M in Q1FY27, up 73% on Q1FY26 ($146.8M), comprising $124.9M of personal loans and $128.9M of secured vehicle loans, the latter up 138%. The closing loan book rose 40% on Sep-25. Revenue increased 32% to $33.1M. Quarterly portfolio yield was 11.03%, while Net Interest Margin decreased 21 bps to 4.90% from 5.11% in Q4FY26, reflecting the shift in portfolio mix towards secured vehicle loans. Risk-adjusted margin was 3.71%. 90+ day arrears improved to 0.86% from 1.14% at Sep-25, and net losses improved to 1.19% from 1.63% in Q1FY26. Wisr now expects FY27 Cash NPAT of at least $7.0M, previously at least $5.0M. Its three warehouse facilities have total commitments of $887M with $165M undrawn, $30.0M is drawn from a $50.0M corporate facility, and unrestricted cash of $13.0M gives total liquidity of $33.0M.
Q1FY27 figures are unaudited and the guidance will be reviewed under continuous disclosure obligations. The release gives no quarterly profit figure, and its expectation of substantial FY28 Cash NPAT growth carries no number.
Source: Wisr Limited (ASX:WZR), 22 October 2026. Summary content supplied by Digifin Pty Ltd.
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