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Raiz Invest Ltd. (AU:RZI)
ASX:RZI
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Raiz Invest Ltd. (RZI) AI Stock Analysis

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AU:RZI

Raiz Invest Ltd.

(Sydney:RZI)

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Neutral 53 (OpenAI - 4o)
Rating:53Neutral
Price Target:
AU$1.00
▲(17.65% Upside)
Raiz Invest Ltd.'s stock score is primarily influenced by its financial performance and technical analysis. The company shows revenue growth and effective cash flow management but struggles with profitability, impacting its financial performance score. Technical indicators suggest bullish momentum, though overbought conditions may lead to a pullback. The valuation is weak due to negative earnings and no dividend yield.

Raiz Invest Ltd. (RZI) vs. iShares MSCI Australia ETF (EWA)

Raiz Invest Ltd. Business Overview & Revenue Model

Company DescriptionRaiz Invest Limited provides financial services and products through its mobile micro-investing platform in Australia, Indonesia, and Malaysia. The company operates through two segments, Raiz Invest Micro-Investing Platform and Other Financial segments. Its platform offers customers a way to invest money using the Raiz mobile application or through the Raiz Website. The company was incorporated in 2016 and is based in Sydney, Australia.
How the Company Makes MoneyRaiz Invest generates revenue primarily through several key channels. Its main source of income comes from fees charged on the investment accounts, which include a monthly subscription fee for users with balances above a certain threshold. Additionally, Raiz earns money from the management fees associated with the portfolios it manages on behalf of its users. The company may also receive performance fees based on the growth of the investments. Furthermore, Raiz has partnerships with various financial institutions and service providers, which can lead to additional revenue streams through referral fees or commissions. The company's ability to attract and retain a growing user base directly impacts its earnings, making user engagement and acquisition crucial to its financial success.

Raiz Invest Ltd. Financial Statement Overview

Summary
Raiz Invest Ltd. shows positive revenue growth and effective cash flow management, but struggles with profitability. The company has a strong gross profit margin and a stable balance sheet with low leverage. However, it needs to improve operational efficiency and generate positive returns for shareholders.
Income Statement
45
Neutral
Raiz Invest Ltd. has shown a positive revenue growth rate of 3.62% in the latest year, indicating a modest upward trend. However, the company is struggling with profitability, as evidenced by a negative net profit margin of -1.29% and a negative EBIT margin. The gross profit margin remains strong at 74.35%, but the company needs to improve its cost management and operational efficiency to achieve profitability.
Balance Sheet
60
Neutral
The balance sheet of Raiz Invest Ltd. is relatively stable with a low debt-to-equity ratio of 0.033, indicating low financial leverage. However, the return on equity is negative at -0.77%, reflecting ongoing challenges in generating returns for shareholders. The equity ratio is healthy, suggesting a solid capital structure, but the company needs to enhance its profitability to improve overall financial health.
Cash Flow
55
Neutral
Raiz Invest Ltd. has demonstrated significant improvement in free cash flow growth, with a remarkable increase of 105.20%. The operating cash flow to net income ratio is 0.53, indicating some ability to generate cash from operations despite net losses. The free cash flow to net income ratio of 1.0 suggests that the company is managing its cash flow effectively, but sustained profitability is necessary for long-term stability.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue24.07M24.07M21.66M19.17M19.34M13.97M
Gross Profit17.89M17.89M20.55M16.07M16.03M11.23M
EBITDA134.00K134.00K524.00K-3.15M-7.66M-1.95M
Net Income-310.00K-310.00K-1.87M-6.90M-9.63M-3.52M
Balance Sheet
Total Assets47.48M47.48M42.88M44.75M54.19M42.04M
Cash, Cash Equivalents and Short-Term Investments13.62M13.62M9.90M9.13M16.14M19.67M
Total Debt1.33M1.33M1.11M637.00K1.34M705.00K
Total Liabilities7.38M7.38M6.52M6.17M8.16M4.80M
Stockholders Equity40.10M40.10M37.99M41.44M47.95M38.25M
Cash Flow
Free Cash Flow2.72M2.72M342.00K-6.62M-5.79M-2.57M
Operating Cash Flow2.72M2.72M3.61M-3.00M-2.76M-604.00K
Investing Cash Flow-3.13M-3.13M-3.27M-3.62M-3.03M-2.06M
Financing Cash Flow3.70M3.70M951.00K-488.00K2.09M9.16M

Raiz Invest Ltd. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price0.85
Price Trends
50DMA
0.81
Positive
100DMA
0.74
Positive
200DMA
0.67
Positive
Market Momentum
MACD
0.02
Positive
RSI
48.21
Neutral
STOCH
18.80
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:RZI, the sentiment is Neutral. The current price of 0.85 is below the 20-day moving average (MA) of 0.88, above the 50-day MA of 0.81, and above the 200-day MA of 0.67, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 48.21 is Neutral, neither overbought nor oversold. The STOCH value of 18.80 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:RZI.

Raiz Invest 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%
60
Neutral
AU$136.71M5.649.31%-5.73%-36.36%
55
Neutral
AU$489.39M24.5512.36%2.79%-26.30%40.12%
53
Neutral
€99.07M-151.61-0.15%5.03%52.31%
50
Neutral
AU$430.58M31.8012.27%2.85%24.56%59.32%
46
Neutral
AU$10.59M-34.88%43.00%-6078.57%
42
Neutral
AU$3.69M-0.77-444.41%-37.25%27.45%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:RZI
Raiz Invest Ltd.
0.85
0.42
95.40%
AU:PPS
Praemium Ltd
0.79
0.15
23.44%
AU:ABE
Australian Bond Exchange Holdings Ltd.
0.03
0.00
0.00%
AU:OFX
OFX Group Ltd.
0.56
-0.77
-57.89%
AU:COG
COG Financial Services Limited
2.15
1.31
155.95%
AU:FNX
Finexia Financial Group Ltd
0.17
-0.13
-43.33%

Raiz Invest Ltd. Corporate Events

Raiz Invest Shines at Australian MicroCap Investment Conference
Oct 20, 2025

Raiz Invest Ltd. announced its participation in the Australian MicroCap Investment Conference, highlighting its growth with 335,542 active customers and $2.0 billion in funds under management as of September 2025. The company’s award-winning platform has been acknowledged for its innovation and excellence in wealth management, positioning Raiz as a leading fintech player in the industry.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Announces Hybrid Annual General Meeting for 2025
Oct 20, 2025

Raiz Invest Limited has announced the dispatch of documents related to its 2025 Annual General Meeting, which will be held as a hybrid meeting on November 19, 2025. This meeting will allow shareholders to participate both in-person and virtually, with voting conducted via a poll. The company emphasizes the importance of shareholder engagement and provides detailed instructions for virtual attendance and proxy voting, reflecting its commitment to transparency and accessibility for its stakeholders.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Ltd. Announces Quotation of New Securities on ASX
Oct 20, 2025

Raiz Invest Ltd. has announced the quotation of 18,294 fully paid ordinary securities on the Australian Securities Exchange (ASX) as of October 20, 2025. This move is part of the company’s strategy to enhance its market presence and provide more liquidity for its investors, potentially strengthening its position in the financial services sector.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Achieves Record $2bn FUM with New Offerings and Strategic Partnerships
Oct 20, 2025

Raiz Invest Ltd. reported a record $2 billion in Funds Under Management (FUM) for Q1 FY26, driven by strong net inflows and positive market movements. The company saw an 8% year-over-year increase in active customers, reaching 335,542, and introduced new products like Raiz Lite and Raiz Academy to boost customer engagement and financial literacy. Strategic partnerships, including a joint marketing campaign with State Street Investment Management and an alliance with KFC, are expected to further strengthen Raiz’s market position.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Ltd. Celebrates Major Milestones and Industry Recognition
Sep 24, 2025

Raiz Invest Ltd. announced its achievements in the fintech industry, including winning the 2025 Canstar Innovation Excellence Award for its Raiz Plus Portfolios and being named one of CNBC World’s Top Fintech Companies 2025. The company boasts 333,866 active customers and $1.95 billion in funds under management as of August 2025, highlighting its strong market presence and commitment to financial innovation.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Ltd. Lists New Securities on ASX
Sep 19, 2025

Raiz Invest Ltd. has announced the quotation of 19,335 fully paid ordinary securities on the Australian Securities Exchange (ASX), effective from September 18, 2025. This move is part of the company’s strategy to enhance its market presence and provide more liquidity to its investors, potentially strengthening its position in the financial services sector.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Director Increases Shareholding, Signaling Confidence
Sep 5, 2025

Raiz Invest Ltd. has announced a change in the interest of its director, Jon Brett, who has increased his indirect holding by acquiring 33,000 ordinary fully paid shares through an on-market transaction. This change reflects a growing confidence in the company’s performance and potential, as the director’s total shareholding has risen to 93,000 shares, valued at A$20,475.35. Such moves can signal positive expectations for the company’s future and may influence stakeholder perceptions.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Ltd. Reports Strong FY25 Results and Industry Recognition
Aug 28, 2025

Raiz Invest Ltd. announced its FY25 financial results, highlighting a strong customer base of 333,866 active users and $1.95 billion in funds under management as of August 26, 2025. The company has been recognized with several prestigious awards, including the 2025 Canstar Innovation Excellence Award and being named one of CNBC’s World’s Top Fintech Companies, underscoring its significant impact and positioning in the fintech industry.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Reports Strong FY25 Results with Significant Growth in Revenue and EBITDA
Aug 28, 2025

Raiz Invest Ltd reported strong financial results for the fiscal year ending June 30, 2025, highlighted by a 15% revenue increase to $24.1 million and a 147% rise in underlying EBITDA to $2.8 million. The company achieved significant growth in funds under management, reaching $1.82 billion, and improved customer metrics, including a 7% increase in active customers. Raiz’s strategic initiatives, such as the launch of new products and partnerships, have bolstered its market position, while successful marketing strategies utilizing AI tools have enhanced customer engagement. The company anticipates continued growth in FY26, with projected UEBITDA between $4.5 million and $5.5 million.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Ltd. Reports Revenue Growth and Strategic Divestment
Aug 28, 2025

Raiz Invest Ltd. reported a 14.5% increase in revenue from ordinary activities for the year ended 30 June 2025, with underlying EBITDA rising by 147.5%. Despite a net loss after tax of $310,000, the company significantly reduced its losses compared to the previous year. Raiz has completed the divestment of its Southeast Asian operations, marking a strategic shift to focus on its core markets. This move is expected to streamline operations and potentially improve financial performance in the future.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Emphasizes Strong Governance in Latest Statement
Aug 28, 2025

Raiz Invest Limited has released its Corporate Governance Statement, emphasizing its commitment to strong governance as a foundation for achieving strategic goals and ensuring business success. The statement outlines the roles and responsibilities of the board and management, highlighting the board’s focus on leadership, strategic oversight, and risk management. This governance framework aims to protect stakeholder interests and promote sustainable growth, with the board reserving key responsibilities such as setting strategic objectives, overseeing management performance, and ensuring sound governance practices.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

Raiz Invest Releases 2025 Corporate Governance Statement
Aug 28, 2025

Raiz Invest Ltd. has released its corporate governance statement for the financial year ending June 30, 2025, which is now available on their website. The statement details the company’s adherence to the ASX Corporate Governance Council’s principles and recommendations, including the roles and responsibilities of the board and management, and the accountability of the company secretary to the board. This release is part of Raiz Invest’s commitment to transparency and compliance with ASX listing rules, ensuring stakeholders are informed about the company’s governance practices.

The most recent analyst rating on (AU:RZI) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Raiz Invest Ltd. stock, see the AU:RZI Stock Forecast page.

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: Nov 01, 2025