IOUpay Limited (AU:OVT)
ASX:OVT
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IOUpay Limited
(Sydney:OVT)
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Rating:46Neutral
Price Target:
AU$0.01
â–˛(0.00% Upside)
Action:N/ADate:10/26/25
IOUpay Limited's overall stock score of 46 reflects significant challenges in financial performance, with persistent losses and negative cash flows overshadowing strong revenue growth. A stable balance sheet provides some support, but valuation concerns due to a negative P/E ratio and high volatility (beta of 2.94) weigh on the score.
Positive Factors
Revenue Growth
Strong revenue growth indicates expanding market presence and successful product adoption, positioning IOUpay well in the fintech sector.
Negative Factors
Negative Profit Margins
Negative profit margins highlight operational inefficiencies and pose challenges to achieving profitability, impacting long-term financial health.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Strong revenue growth indicates expanding market presence and successful product adoption, positioning IOUpay well in the fintech sector.
Read all positive factors
IOUpay Limited (OVT) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$15.27M
Dividend YieldN/A
Average Volume (3M)35.66M
Price to Earnings (P/E)―
Beta (1Y)0.37
Revenue Growth6.96%
EPS Growth31.11%
CountryAU
Employees8
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)-0.03
Shares Outstanding477,049,380
10 Day Avg. Volume73,404,934
30 Day Avg. Volume35,655,229
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.64
Price to Sales (P/S)2.17
P/FCF Ratio-1.35
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
IOUpay Limited Business Overview & Revenue Model
Company Description
Ovanti Ltd is an Australian fintech company providing digital commerce software solutions that enable secure customer authentication and seamless processing of banking, purchasing, and payment transactions. The company serves institutional clients...
How the Company Makes Money
IOUpay Limited generates revenue through multiple key streams including transaction fees from payment processing, subscription fees for its digital banking services, and interest income from its lending operations. The company partners with variou...
IOUpay Limited Financial Statement Overview
Summary
Income Statement
25
Negative
Balance Sheet
60
Neutral
Cash Flow
20
Very Negative
| Breakdown | TTM | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.26M | 5.90M | 6.04M | 9.49M | 8.40M | 7.19M |
| Gross Profit | -1.42M | -569.56K | 129.20K | 2.53M | 2.38M | 1.19M |
| EBITDA | -9.02M | -2.61M | -5.83M | -35.65M | -9.45M | -4.20M |
| Net Income | -10.60M | -9.58M | -5.95M | -36.34M | -10.02M | -4.79M |
Balance Sheet | ||||||
| Total Assets | 21.28M | 23.79M | 15.84M | 18.13M | 51.74M | 59.79M |
| Cash, Cash Equivalents and Short-Term Investments | 3.10M | 4.95M | 472.67K | 2.04M | 5.86M | 16.65M |
| Total Debt | 0.00 | 45.62K | 1.25M | 2.63M | 1.02M | 1.05M |
| Total Liabilities | 1.59M | 3.96M | 4.52M | 6.30M | 3.48M | 2.75M |
| Stockholders Equity | 19.70M | 19.84M | 11.32M | 11.83M | 48.25M | 57.04M |
Cash Flow | ||||||
| Free Cash Flow | -12.19M | -9.44M | -6.43M | -6.59M | -21.77M | -4.40M |
| Operating Cash Flow | -12.19M | -9.42M | -6.40M | -6.34M | -21.22M | -3.96M |
| Investing Cash Flow | -1.45M | -375.66K | 819.50K | -989.65K | -23.88M | -4.18M |
| Financing Cash Flow | 13.53M | 14.26M | 4.02M | 3.51M | -19.98K | 59.01M |
IOUpay Limited Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | AU$112.30M | -40.64 | 7.00% | ― | 7.68% | ― | |
54 Neutral | AU$65.59M | -31.40 | -24.79% | ― | 31.09% | ― | |
47 Neutral | AU$158.48M | -1.14 | -38.55% | ― | -49.13% | 0.65% | |
46 Neutral | AU$15.27M | -0.45 | -53.64% | ― | 6.96% | 31.11% | |
45 Neutral | AU$163.18M | -22.24 | -45.17% | ― | 5.43% | -667.97% | |
41 Neutral | AU$5.54M | -0.71 | -138.56% | ― | 128.94% | -54.17% |
* Technology Sector Average
AU:OVT
IOUpay Limited
0.03
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-86.67%
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IOUpay Limited Corporate Events
Ovanti Raises $500,000 Through Share Placement to Support Fintech Expansion
Jan 4, 2026
Ovanti Limited has completed a capital raising via the issue of 200 million new fully paid ordinary shares at $0.0025 each, securing $500,000 in gross proceeds, with shareholder approval having been obtained at its November 2025 annual general mee...
Ovanti Issues 120 Million Unlisted Options in New Unquoted Class
Jan 4, 2026
Ovanti Limited, listed on the ASX under the code OVT, has notified the market of a new issue of unquoted equity securities in the form of unlisted options, though the announcement does not detail the company’s industry, products or services....
Ovanti Seeks ASX Quotation for 200 Million New Shares
Jan 4, 2026
Ovanti Limited has applied to the ASX for quotation of 200 million new fully paid ordinary shares (ASX code: OVT), expanding its listed securities base. The issuance, previously flagged via an Appendix 3B, marks a substantial increase in Ovanti...
Ovanti Raises A$2.5m via Share Placement, Clears Path for Immediate Trading
Dec 29, 2025
Ovanti Limited has raised A$2.5 million through the issue of 1 billion new fully paid ordinary shares at A$0.0025 per share under a shareholder-approved placement. The company has lodged a cleansing notice confirming the shares were issued without...
Ovanti Seeks ASX Quotation for 1 Billion New Shares
Dec 29, 2025
Ovanti Limited has applied to the ASX for quotation of 1 billion new ordinary fully paid shares under its issuer code OVT, expanding its listed equity base. The substantial new share issuance, flagged as part of previously announced transactions, ...
Ovanti to Issue 120 Million Unlisted Options in New Securities Placement
Dec 29, 2025
Ovanti Limited has announced plans to issue up to 120 million unlisted options as part of a new placement or other form of securities issue, with a proposed issue date of 31 December 2025. The move signals the ASX-listed company’s intention ...
Ovanti Plans Major Share Issue of Up to 1.2 Billion Shares
Dec 24, 2025
Ovanti Limited, listed on the ASX under code OVT, has lodged a notice of a proposed issue of fully paid ordinary shares, signalling a significant capital move by the company though without additional operational or strategic context in the filing....
Ovanti Raises $3m to Fund US BNPL Expansion and Operations
Dec 24, 2025
Ovanti Limited has secured firm commitments to raise $3 million through a placement of 1.2 billion new shares at $0.0025 each, a 15% discount to the recent five-day VWAP, to institutional, professional and sophisticated investors. The funds will b...
Ovanti Requests ASX Trading Halt Ahead of Capital Raising Announcement
Dec 21, 2025
Ovanti Limited has requested a trading halt in its securities on the ASX as it prepares to announce a capital raising, with the halt expected to remain in place until trading opens on Wednesday, 24 December 2025 or until the announcement is releas...
Ovanti Partners with Gr4vy to Enhance U.S. Payment Solutions
Dec 14, 2025
Ovanti Limited has announced a strategic partnership between its U.S. consumer payments brand, Flote, and Gr4vy, a cloud-native payment orchestration platform. This collaboration aims to enhance Flote’s scalability and integration capabiliti...
Ovanti Partners with The Ticketing Co. to Enhance BNPL Offerings
Dec 11, 2025
Ovanti Limited announced a partnership with The Ticketing Co., integrating its BNPL service, Flote, into The Ticketing Co.’s checkout process. This collaboration aims to enhance customer experience by allowing ticket buyers to spread payment...
Ovanti Partners with Mastercard’s Finicity to Boost U.S. BNPL Launch
Dec 7, 2025
Ovanti Limited’s U.S. subsidiary has signed a contract with Finicity, a Mastercard company, to enhance its BNPL services in the U.S. through Mastercard’s Open Finance capabilities. This partnership aims to provide U.S. consumers with s...
Ovanti Limited to List U.S. BNPL Subsidiary on Nasdaq via SPAC Merger
Dec 1, 2025
Ovanti Limited has announced a significant strategic move by executing a Letter of Intent with Miluna Acquisition Corp, a Nasdaq-listed SPAC, to list its U.S. BNPL subsidiary, Ovanti US, as a standalone entity on Nasdaq. The transaction values Ova...
Ovanti Limited Concludes Annual General Meeting with Key Resolutions Passed
Nov 27, 2025
Ovanti Limited held its Annual General Meeting where all resolutions were decided by a poll. Key outcomes included the re-election of directors and the ratification of prior share issues, with most resolutions carried except for the approval of re...
IOUpay Targets Debit-First Americans with New Initiative
Nov 24, 2025
IOUpay Limited has announced a strategic initiative aimed at reaching over 150 million Americans who primarily use debit cards and are excluded from traditional Buy Now, Pay Later (BNPL) and credit models due to the FICO credit-scoring system. The...
Ovanti Limited Strengthens U.S. Presence with Strategic Moves
Oct 31, 2025
Ovanti Limited has announced significant developments in its U.S. operations, including the appointment of a new CEO, Peter Maher, and a strategic partnership with Shift4 Payments Inc. This partnership will enable Ovanti to distribute its BNPL ser...
Ovanti Limited Announces Annual General Meeting Details
Oct 27, 2025
Ovanti Limited, a company listed on the Australian Securities Exchange, has announced its Annual General Meeting (AGM) for shareholders, scheduled to be held on November 27, 2025, in Sydney. The company will not send physical copies of the meeting...
Ovanti Limited Seeks Strategic Partnerships at Money20/20 for U.S. Expansion
Oct 27, 2025
Ovanti Limited is leveraging its participation at the Money20/20 fintech conference in Las Vegas to finalize major commercial partnerships for its U.S. Buy Now, Pay Later (BNPL) business. The event provides a strategic platform for Ovanti to engag...
Ovanti Limited Issues Unquoted Equity Securities
Oct 15, 2025
Ovanti Limited has announced the issuance of unquoted equity securities, specifically 60 million unlisted options with an exercise price of $0.013, set to expire on October 15, 2028. This move is part of a previously announced transaction, reflect...
Ovanti Limited Expands with New Share Issuance
Oct 14, 2025
Ovanti Limited has issued ordinary fully paid shares without disclosure to investors, as per the Corporations Act. This move complies with relevant provisions and does not contain any undisclosed information that would typically be expected in a d...
Ovanti Limited Announces New Securities Quotation on ASX
Oct 14, 2025
Ovanti Limited has announced a new application for the quotation of securities on the Australian Securities Exchange (ASX). The company will be quoting 769,230,769 ordinary fully paid securities, which are part of a transaction previously announce...
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.