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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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Underperform 39 (OpenAI - 4o)
Rating:39Underperform
Price Target:
AU$0.06
▼(-5.00% Downside)
Gratifii Ltd's overall stock score is primarily impacted by its financial performance and technical analysis. Despite strong revenue growth, the company's profitability and cash flow issues are significant concerns. Technical indicators suggest bearish momentum, and the valuation is unattractive due to negative earnings. The absence of earnings call and corporate events data limits further insights.
Positive Factors
Revenue Growth
Strong revenue growth indicates a robust demand for Gratifii's services, suggesting successful market penetration and customer acquisition strategies.
Business Model
A diversified revenue model with multiple streams enhances financial stability and reduces dependency on a single income source, supporting long-term growth.
Improved Leverage
Improved leverage management indicates a more sustainable capital structure, which can enhance financial flexibility and reduce risk.
Negative Factors
Profitability Issues
Persistent profitability issues can hinder Gratifii's ability to reinvest in growth and innovation, potentially impacting its competitive position.
Cash Flow Challenges
Negative cash flows may limit the company's ability to fund operations and growth initiatives, posing a risk to its financial health and sustainability.
Equity Utilization
Negative return on equity suggests inefficient use of capital, which could deter investment and hinder long-term shareholder value creation.

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

Gratifii Ltd Business Overview & Revenue Model

Company DescriptionGratifii Limited, a technology company, designs and develops loyalty and rewards programs in Australia, South Africa, and Singapore. It operates Mosaic, a customer enterprise engagement cloud platform that allows businesses to customize, operate, and manage loyalty programs. The company was formerly known as Mobecom Limited and changed its name to Gratifii Limited in May 2021. Gratifii Limited is headquartered in Surry Hills, Australia.
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
45
Neutral
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
40
Negative
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
35
Negative
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
Negative
Last Price0.06
Price Trends
50DMA
0.08
Negative
100DMA
0.09
Negative
200DMA
0.09
Negative
Market Momentum
MACD
>-0.01
Negative
RSI
16.32
Positive
STOCH
<0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:GTI, the sentiment is Negative. The current price of 0.06 is below the 20-day moving average (MA) of 0.07, below the 50-day MA of 0.08, and below the 200-day MA of 0.09, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 16.32 is Positive, neither overbought nor oversold. The STOCH value of <0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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$24.22M-3.68-31.01%-3.43%-40.65%
44
Neutral
AU$33.01M-15.007.32%67.11%
41
Neutral
AU$11.80M-1.82-133.07%-4.90%-52.78%
41
Neutral
AU$47.76M-6.9021.82%6.83%
39
Underperform
AU$23.45M-1.43-259.27%82.46%58.45%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:GTI
Gratifii Ltd
0.06
-0.03
-33.33%
AU:PRO
Prophecy International Holdings Ltd
0.16
-0.38
-70.37%
AU:AMX
Aerometrex Ltd.
0.26
-0.04
-13.33%
AU:XF1
Xref Ltd
0.15
-0.06
-28.57%
AU:FLX
Felix Group Holdings Ltd.
0.16
-0.04
-20.00%

Gratifii Ltd Corporate Events

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.

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.

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.

Gratifii Limited Schedules 2025 AGM with Director Elections
Sep 24, 2025

Gratifii Limited has announced its Annual General Meeting (AGM) will be held on November 21, 2025, with the election of directors as a key agenda item. Shareholders can nominate directors until October 7, 2025. This AGM is significant for Gratifii as it may influence the company’s strategic direction and governance, impacting its operations and stakeholder interests.

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 10, 2025