Wisr has wrapped up a strong finish to the 2025 financial year, delivering a standout Q4FY25 marked by rising loan originations, enhanced credit performance, and expanding funding capacity.
The ASX-listed fintech lender originated $140.3 million in loans during the June quarter, a 154% increase from Q4FY24 and a 26% lift from the previous quarter. This marks the fifth consecutive quarter of origination growth and third of loan book expansion.
“For the full year, we achieved 101% loan origination growth, exceeding our upgraded guidance of 90%+, a clear demonstration of the business executing on its growth strategy,” said Wisr CEO Andrew Goodwin (pictured).
Personal loans accounted for $88.9 million, while secured vehicle loans hit $51.4 million – nearly triple the same period last year.
Wisr’s credit metrics also strengthened. 90+ day arrears dropped 18 basis points to 1.40%, and net credit losses fell 109 basis points year-on-year to 1.66%.
“Importantly, we maintained our focus on credit quality,” Goodwin said. “These results highlight Wisr’s successful return to growth and the scalability of our operating model, underpinned by continued investment in automation and technology-led processes.”
In Q4, Wisr secured a $267 million warehouse facility supported by senior funding from Barclays, lifting total warehouse commitments to $917 million across three facilities. The new warehouse was originated by Barrenjoey Markets through its partnership with Barclays, and will back the company’s growth across the personal and secured vehicle loan segments.
The announcement follows Wisr’s strong Q3FY25 performance, when it reported 115% year-on-year growth in loan originations to $111 million, including a 255% jump in secured vehicle loans and 80% growth in personal loans.
The company now has $287 million in undrawn warehouse capacity, plus an additional $15 million available from its corporate facility.
Wisr’s Q4FY25 revenue reached $23.9 million, up 6% year-on-year, while portfolio Net Interest Margin rose 33 basis points to 5.47%, supported by disciplined pricing and portfolio mix improvements.
Wisr reported a Net Promoter Score of +79, while customers made $53 million in extra repayments and $11.1 million in round-ups since inception.
Goodwin said the lender is well-positioned heading into FY26. “The execution of our third warehouse facility provides additional funding capacity to support strong momentum into FY26 and beyond.”
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