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Gratifii Ltd (AU:GTI)
ASX:GTI
Australian Market

Gratifii Ltd (GTI) AI Stock Analysis

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AU:GTI

Gratifii Ltd

(Sydney:GTI)

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Neutral 42 (OpenAI - 5.2)
Rating:42Neutral
Price Target:
AU$0.08
▲(28.33% Upside)
The score is held down primarily by weak financial performance (ongoing losses, negative ROE, and negative operating/free cash flow) despite revenue growth. Technicals show mixed signals—short-term strength but a broader downtrend and elevated RSI—while valuation is constrained by a negative P/E and no dividend support.
Positive Factors
Revenue Growth
Strong revenue growth indicates a successful expansion of market reach and product adoption, suggesting robust demand for GTI's offerings.
Improved Leverage Management
Improved leverage management enhances financial stability, providing GTI with greater flexibility to invest in growth opportunities.
Diverse Revenue Streams
Diverse revenue streams reduce dependence on a single source, enhancing resilience and supporting long-term financial health.
Negative Factors
Weak Profitability
Persistent profitability issues, such as negative margins, can hinder reinvestment in business growth and innovation, affecting long-term viability.
Negative Cash Flow
Negative cash flows limit GTI's ability to fund operations and growth initiatives internally, potentially increasing reliance on external financing.
Declining Gross Margin
A declining gross margin suggests cost management challenges, which can erode profitability and competitiveness over time.

Gratifii Ltd (GTI) vs. iShares MSCI Australia ETF (EWA)

Gratifii Ltd Business Overview & Revenue Model

Company DescriptionGratifii Ltd (GTI) is a technology-driven company specializing in customer engagement and loyalty solutions. Operating primarily within the digital rewards and loyalty sectors, GTI provides a platform that enables businesses to create and manage customized loyalty programs, enhancing customer retention and satisfaction. Their core products include a digital rewards platform, customer insights analytics, and integration capabilities with various point-of-sale systems, allowing for seamless customer interactions across different channels.
How the Company Makes MoneyGratifii Ltd generates revenue through multiple streams, primarily by charging businesses for access to its loyalty and rewards platform. This includes subscription fees for using the software, transaction fees for redeeming rewards, and tiered pricing models based on the scale of the loyalty program. Additionally, GTI may earn revenue through partnerships with retailers and brands that use its platform to distribute rewards, which can involve revenue-sharing agreements. The company also benefits from providing analytics services, offering insights to clients on customer behavior and program effectiveness, thereby enhancing the value of its offerings and contributing to its overall earnings.

Gratifii Ltd Financial Statement Overview

Summary
Gratifii Ltd shows strong revenue growth, but struggles with profitability and cash flow management. The balance sheet indicates improved leverage but weak overall financial health due to negative returns and cash flow issues.
Income Statement
Gratifii Ltd has shown significant revenue growth over the years, with a notable increase in the most recent period. However, the company struggles with profitability, as evidenced by negative net profit margins and EBIT margins. The gross profit margin has been declining, indicating potential cost management issues. Overall, while revenue growth is a positive sign, the lack of profitability is a concern.
Balance Sheet
The company's debt-to-equity ratio has improved over time, suggesting better leverage management. However, the return on equity remains negative, indicating that the company is not generating sufficient returns on shareholders' equity. The equity ratio is relatively low, pointing to a higher reliance on debt financing. While there are improvements in leverage, profitability and equity utilization remain weak.
Cash Flow
Gratifii Ltd's cash flow situation is challenging, with negative operating and free cash flows. The free cash flow to net income ratio is positive, suggesting some efficiency in converting earnings to cash, but the overall cash flow growth is negative. The company needs to improve its cash generation capabilities to support its operations and growth.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue54.45M54.45M29.84M29.93M11.17M3.08M
Gross Profit6.69M6.69M4.47M5.05M2.63M2.06M
EBITDA-4.57M-4.57M-7.68M-2.00M-1.01M783.48K
Net Income-10.95M-10.95M-10.52M-3.81M-2.43M59.28K
Balance Sheet
Total Assets20.90M20.90M13.73M19.26M13.58M9.42M
Cash, Cash Equivalents and Short-Term Investments2.83M2.83M324.11K1.69M2.07M2.33M
Total Debt910.52K910.52K2.75M1.83M3.41M4.59M
Total Liabilities13.91M13.91M12.27M11.15M8.08M8.10M
Stockholders Equity6.99M6.99M1.46M8.11M5.50M1.31M
Cash Flow
Free Cash Flow-4.88M-4.88M-3.53M-2.58M176.14K-2.88M
Operating Cash Flow-4.85M-4.85M-653.47K450.77K176.14K-537.16K
Investing Cash Flow-3.11M-3.11M-2.88M-4.89M-4.83M-3.58M
Financing Cash Flow10.47M10.47M2.13M4.06M4.50M6.18M

Gratifii Ltd Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.06
Price Trends
50DMA
0.07
Positive
100DMA
0.09
Positive
200DMA
0.09
Positive
Market Momentum
MACD
<0.01
Negative
RSI
81.49
Negative
STOCH
56.55
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:GTI, the sentiment is Positive. The current price of 0.06 is below the 20-day moving average (MA) of 0.07, below the 50-day MA of 0.07, and below the 200-day MA of 0.09, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 81.49 is Negative, neither overbought nor oversold. The STOCH value of 56.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:GTI.

Gratifii Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
61
Neutral
$37.18B12.37-10.20%1.83%8.50%-7.62%
48
Neutral
AU$26.12M-3.97-31.01%-3.43%-40.65%
44
Neutral
AU$31.91M-14.507.32%67.11%
42
Neutral
AU$37.80M-2.03-259.27%82.46%58.45%
41
Neutral
AU$10.33M-1.59-133.07%-4.90%-52.78%
41
Neutral
AU$47.76M-6.9021.82%6.83%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:GTI
Gratifii Ltd
0.09
-0.01
-13.00%
AU:PRO
Prophecy International Holdings Ltd
0.14
-0.41
-74.55%
AU:AMX
Aerometrex Ltd.
0.28
-0.01
-5.17%
AU:XF1
Xref Ltd
0.15
-0.08
-34.09%
AU:FLX
Felix Group Holdings Ltd.
0.16
-0.05
-25.58%

Gratifii Ltd Corporate Events

Gratifii Director Michael Hill Increases Indirect Shareholding via Share-Based Fee Payment
Dec 22, 2025

Gratifii Limited has disclosed a change in director Michael Hill’s interests in the company’s securities, following the issue of new fully paid ordinary shares. Hill, through his indirect holding vehicle Malolo Holdings Pty Ltd as trustee for the Malolo Holdings Trust, received 666,666 fully paid ordinary shares at $0.09 per share, issued in lieu of director fees as a share-based payment, increasing Malolo’s holding to 2,566,665 shares while his direct and other indirect holdings remain unchanged. The transaction underscores the company’s use of equity-based remuneration to compensate directors, marginally increasing Hill’s overall stake and further aligning his financial interests with those of other shareholders.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Director Increases Equity Stake Through Share-Based Fee Arrangement
Dec 22, 2025

Gratifii Limited has disclosed a change in director Patrina Kerr’s holdings, with her interests comprising both direct and indirect stakes in the company’s fully paid ordinary shares and various equity-based instruments. Kerr received 666,666 new fully paid ordinary shares at $0.09 per share, issued as a share-based payment in lieu of director fees following prior shareholder approval, increasing her direct shareholding and further aligning her remuneration with shareholder interests. This equity issuance reflects the company’s continued use of share-based compensation for directors, which may help conserve cash while more closely linking board remuneration to the company’s market performance.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Director Increases Equity Stake Through Share-Based Fee Payment
Dec 22, 2025

Gratifii Limited has disclosed a change in the interests of director Bryan Zekulich, covering both his direct and indirect holdings via several associated entities and family trusts. On 18 December 2025, Zekulich was issued 666,666 fully paid ordinary shares at $0.09 per share in lieu of director fees, increasing his equity-based remuneration and further aligning his interests with those of shareholders, while no securities were disposed of in the transaction.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Confirms Compliance as 2 Million New Shares Come Onto Market
Dec 22, 2025

Gratifii Limited has notified the market of the conversion of 1,999,998 fully paid ordinary shares, issued without a prospectus under the Corporations Act’s disclosure exemptions. The company confirmed it is compliant with its financial reporting and continuous disclosure obligations and that there is no excluded information, signalling a routine capital management step with no undisclosed issues flagged for existing or potential investors.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Plans Placement of Up to 4.17 Million New Shares
Dec 22, 2025

Gratifii Ltd, listed on the ASX under ticker GTI, has announced a proposed placement of up to 4,174,000 new fully paid ordinary shares. The securities are scheduled to be issued on 27 February 2026, signalling a move to raise additional equity capital, which may support the company’s funding needs and could result in dilution for existing shareholders depending on final pricing and allocation.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Plans Placement of Up to 12 Million New Shares
Dec 22, 2025

Gratifii Limited, listed on the ASX under the code GTI, has lodged a notice of a proposed issue of ordinary fully paid shares. The filing relates to a placement or other type of equity issue to be conducted on the Australian Securities Exchange.

The company plans to issue up to 12 million new ordinary fully paid shares, with a proposed issue date of 27 February 2026. This capital raising, once completed and quoted, will expand Gratifii’s share base and could provide additional funding flexibility for its operations and strategic initiatives, while modestly diluting existing shareholders’ holdings.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Plans Issue of 8.7 Million Options in New ASX Filing
Dec 22, 2025

Gratifii Ltd has lodged an Appendix 3B with the ASX outlining a proposed issue of new securities. The filing indicates the company plans to issue up to 8.7 million new three‑year options with a strike price of A$0.10 per option via a placement or other form of issue, with a proposed issue date of 27 February 2026. The move signals a potential capital-raising or incentive initiative that could, if exercised, increase the company’s equity base and dilute existing shareholders, while providing additional funding flexibility for future operational or strategic needs.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Plans Placement of Up to 50 Million New Shares
Dec 22, 2025

Gratifii Ltd, listed on the ASX under the code GTI, has announced a proposed placement of up to 50 million new ordinary fully paid shares. The securities are expected to be issued on 29 December 2025, expanding the company’s share base and providing additional capital, with the move formalised through an Appendix 3B filing to the exchange.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii to Acquire Mosh Digital and Future Pass Wallet in Push to Scale Loyalty Tech
Dec 22, 2025

Gratifii Limited is significantly expanding its digital capabilities through the planned acquisition of New Zealand digital agency Mosh Social Media Limited and a perpetual worldwide licence to the Future Pass digital wallet platform, alongside a successful $2.5 million capital raising. The Mosh deal, which includes cash, scrip and an earn-out, will add a creative-led Auckland-based agency with around NZ$2.8 million in FY25 revenue, proprietary social analytics tools and a blue-chip client roster, strengthening Gratifii’s digital marketing offering, recurring revenues and New Zealand presence. The Future Pass transaction, to be paid in Gratifii shares with additional deferred consideration linked to future fees, will bolster the company’s digital infrastructure stack with passwordless authentication, unified digital identity and smart wallet functionality, and brings contracts with major global clients FC Barcelona and Rakuten, positioning the combined group to serve more than 90 enterprise customers with more secure, scalable and integrated loyalty and engagement solutions.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Limited Initiates Trading Halt Ahead of Capital Raise Announcement
Dec 17, 2025

Gratifii Limited has requested a trading halt on its securities pending an important announcement regarding a material capital raise. The trading halt is expected to remain in place until December 22, 2025, or the release of the announcement, which may have implications for the company’s financial position and stakeholder value.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Ltd Announces Quotation of New Securities on ASX
Dec 17, 2025

Gratifii Ltd has announced the quotation of 1,999,998 fully paid ordinary securities on the Australian Securities Exchange (ASX) under the code GTI, effective December 17, 2025. This move is part of previously announced transactions and could potentially enhance the company’s liquidity and market presence, offering stakeholders an opportunity for increased investment and engagement.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Limited Announces Proposed Issue of Securities
Dec 11, 2025

Gratifii Limited has announced a proposed issue of 3,000,000 options with an exercise price of $0.17, maturing on June 1, 2028. This move is part of a placement or other type of issue, with the proposed issue date set for December 18, 2025. The announcement signifies Gratifii’s strategic financial maneuver to potentially raise capital, which could impact its market positioning and stakeholder interests.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Ltd Announces Proposed Issue of Securities
Dec 11, 2025

Gratifii Ltd has announced a proposed issue of 1,999,998 fully paid ordinary securities, with the issue date set for December 16, 2025. This move is part of a placement or other type of issue, potentially impacting the company’s financial structure and market positioning by increasing its capital base.

The most recent analyst rating on (AU:GTI) stock is a Sell with a A$0.06 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Limited to Release Shares from Voluntary Escrow
Dec 2, 2025

Gratifii Limited announced the release of 1,559,759 ordinary shares from voluntary escrow, effective on 12 December 2025. This release, related to the acquisition of Rapport Group Limited, does not alter the company’s issued share capital, indicating a strategic move to enhance liquidity without affecting ownership structure.

The most recent analyst rating on (AU:GTI) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Limited to Release Shares from Voluntary Escrow
Dec 1, 2025

Gratifii Limited announced the release of 1,559,759 ordinary shares from voluntary escrow, effective December 8, 2025. This release follows the acquisition of Rapport Group Limited and does not alter the company’s issued share capital, reflecting a strategic move to enhance liquidity without impacting shareholder value.

The most recent analyst rating on (AU:GTI) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on Gratifii Ltd stock, see the AU:GTI Stock Forecast page.

Gratifii Limited Secures Strong Shareholder Support at AGM
Nov 21, 2025

Gratifii Limited announced that all resolutions were passed at its Annual General Meeting, held on November 21, 2025. The resolutions included the adoption of the remuneration report, re-election of directors, and approval of share issuances, all of which were carried by a significant majority. This outcome reflects strong shareholder support and positions the company for continued growth and strategic alignment.

Gratifii Limited Reports Strategic Growth and Market Expansion at 2025 AGM
Nov 21, 2025

Gratifii Limited announced significant growth and strategic developments at its 2025 Annual General Meeting, highlighting its recent inclusion in the AFR Fast 100 list as a testament to its momentum. The company raised $15.3 million to support acquisitions and operational improvements, including the integration of Club Connect and Rapport NZ, which have expanded its market presence and capabilities. The loyalty and rewards market in Australia and New Zealand is projected to grow significantly, and Gratifii is poised to lead with its innovative solutions and strong executive team. The company also emphasized its commitment to data protection and maintaining high standards of information security.

Gratifii Limited Reports Strong Growth and Strategic Milestones in 1Q FY26
Oct 30, 2025

Gratifii Limited reported significant growth in cash receipts for the first quarter of FY26, with a 106% increase over the previous corresponding period, despite challenges such as seasonal softness and severe weather conditions. The company achieved key milestones, including the integration of major clients onto its ‘Gratifii Connect’ platform and the launch of Member’s Mobile with new enterprise partners, setting the stage for future growth and operational efficiencies.

Gratifii Limited to Release Shares from Voluntary Escrow
Oct 21, 2025

Gratifii Limited announced the release of 28,360,535 ordinary shares from voluntary escrow on November 5, 2025, following the acquisition of Ticketmates Australia Pty Ltd. This release does not affect the company’s issued share capital, indicating a strategic move that maintains the company’s financial stability while potentially enhancing its market positioning.

Gratifii to Present at Australian Microcap Investment Conference
Oct 21, 2025

Gratifii Limited announced its participation in the 14th Annual Australian Microcap Investment Conference, where CEO Iain Dunstan will present an overview of the company’s operations and recent developments. The presentation will highlight major changes following recent acquisitions and discuss growth drivers, providing stakeholders with an update on the company’s strategic progress.

Gratifii Ltd Announces Virtual AGM for 2025
Oct 20, 2025

Gratifii Ltd has announced its Annual General Meeting (AGM) will be held virtually on November 21, 2025, allowing shareholders to participate online via the Automic platform. This decision aligns with the company’s revised constitution and reflects a commitment to leveraging digital solutions for shareholder engagement, potentially increasing accessibility and participation.

Gratifii Expands Telco Rewards to New Zealand with 5-Year Deal
Oct 14, 2025

Gratifii Limited has announced a 5-year agreement with Prvidr NZ to introduce its telco rewards offering in New Zealand, building on its success in Australia. This expansion is expected to enhance Gratifii’s regional presence and strategic growth, leveraging its acquisition of Rapport NZ to facilitate market entry. The deal follows Gratifii’s recent client acquisitions in Australia, including Queensland Rail Institute and EML Payments, which highlight the demand for its mobile-first engagement solutions. The expansion into New Zealand is anticipated to unlock new revenue streams and strengthen client relationships by offering exclusive mobile plans and perks that enhance member satisfaction and retention.

Gratifii Ltd Releases 2025 Corporate Governance Statement
Sep 30, 2025

Gratifii Ltd has released its corporate governance statement for the financial year ending June 30, 2025, confirming adherence to ASX Corporate Governance Council’s principles. The statement, approved by the board, is available on the company’s website, ensuring transparency and compliance with ASX listing rules, which may enhance stakeholder trust and company credibility.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Dec 25, 2025