Raiz Invest Ltd. (AU:RZI)
ASX:RZI
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Raiz Invest Ltd.
(Sydney:RZI)
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Rating:48Neutral
Price Target:
AU$0.54
▼(-3.57% Downside)
Action:DowngradedDate:01/28/26
The score is held back mainly by weak technical momentum (price below major moving averages, negative MACD, low RSI) and lack of profitability (negative margins/ROE, negative P/E). Offsetting these are a stable balance sheet with very low leverage and improved free cash flow.
Positive Factors
High gross margin
A 74.35% gross margin indicates the platform captures high margin on its core services. For a digital micro-investing business this margin cushion supports scaling, funds product development and marketing, and gives a clear path for operating leverage as revenue grows without equivalent increases in direct costs.
Negative Factors
Ongoing unprofitability
Sustained negative margins mean the company has yet to translate high gross margins and improving cash flow into operating profitability. Over the medium term this requires durable revenue expansion or structural cost improvements; until achieved, reinvestment and shareholder returns remain constrained.
Read all positive and negative factors
Positive Factors
Negative Factors
High gross margin
A 74.35% gross margin indicates the platform captures high margin on its core services. For a digital micro-investing business this margin cushion supports scaling, funds product development and marketing, and gives a clear path for operating leverage as revenue grows without equivalent increases in direct costs.
Read all positive factors
Raiz Invest Ltd. (RZI) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$59.55M
Dividend YieldN/A
Average Volume (3M)131.01K
Price to Earnings (P/E)5.7
Beta (1Y)1.12
Revenue Growth5.03%
EPS Growth52.31%
CountryAU
Employees31
SectorTechnology
Sector Strength88
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)0.03
Shares Outstanding105,390,010
10 Day Avg. Volume115,805
30 Day Avg. Volume131,015
Financial Highlights & Ratios
PEG Ratio44.23
Price to Book (P/B)33.93
Price to Sales (P/S)56.53
P/FCF Ratio499.97
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.06Price Target Upside88.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.02
Revenue Forecast (FY)AU$27.00M
Raiz Invest Ltd. Business Overview & Revenue Model
Company Description
Raiz 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 seg...
How the Company Makes Money
Raiz Invest Ltd. makes money primarily through fees charged to customers for using its investing platform and managed portfolio products. The core revenue stream is customer account and/or management fees associated with maintaining an investment ...
Raiz Invest Ltd. Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
60
Neutral
Cash Flow
55
Neutral
| Breakdown | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 24.07M | 21.66M | 19.17M | 19.34M | 13.97M |
| Gross Profit | 17.89M | 20.55M | 16.07M | 16.03M | 11.23M |
| EBITDA | 134.00K | 524.00K | -3.15M | -7.66M | -1.95M |
| Net Income | -310.00K | -1.87M | -6.90M | -9.63M | -3.52M |
Balance Sheet | |||||
| Total Assets | 47.48M | 42.88M | 44.75M | 54.19M | 42.04M |
| Cash, Cash Equivalents and Short-Term Investments | 13.62M | 9.90M | 9.13M | 16.14M | 19.67M |
| Total Debt | 1.33M | 1.11M | 637.00K | 1.34M | 705.00K |
| Total Liabilities | 7.38M | 6.52M | 6.17M | 8.16M | 4.80M |
| Stockholders Equity | 40.10M | 37.99M | 41.44M | 47.95M | 38.25M |
Cash Flow | |||||
| Free Cash Flow | 2.72M | 342.00K | -6.62M | -5.79M | -2.57M |
| Operating Cash Flow | 2.72M | 3.61M | -3.00M | -2.76M | -604.00K |
| Investing Cash Flow | -3.13M | -3.27M | -3.62M | -3.03M | -2.06M |
| Financing Cash Flow | 3.70M | 951.00K | -488.00K | 2.09M | 9.16M |
Raiz Invest Ltd. Technical Analysis
Negative
0.56
Price Trends
0.60
Negative
0.71
Negative
0.71
Negative
Market Momentum
-0.02
Negative
42.73
Neutral
35.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:RZI, the sentiment is Negative. The current price of 0.56 is below the 20-day moving average (MA) of 0.57, below the 50-day MA of 0.60, and below the 200-day MA of 0.71, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 42.73 is Neutral, neither overbought nor oversold. The STOCH value of 35.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:RZI.
Raiz Invest Ltd. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
63 Neutral | AU$125.12M | 21.16 | 9.10% | ― | -5.73% | -36.36% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
57 Neutral | AU$247.40M | 10.89 | 12.36% | 2.86% | -26.30% | 40.12% | |
52 Neutral | AU$324.17M | 9.65 | 15.42% | 2.81% | 24.56% | 59.32% | |
48 Neutral | AU$59.55M | 5.73 | 10.48% | ― | 5.03% | 52.31% | |
46 Neutral | AU$11.21M | -5.25 | -17.55% | ― | 43.00% | -6078.57% | |
42 Neutral | AU$2.80M | -0.52 | 236.32% | ― | -37.25% | 27.45% |
* Technology Sector Average
AU:RZI
Raiz Invest Ltd.
0.57
0.06
11.88%
AU:PPS
Praemium Ltd
0.67
-0.01
-1.77%
AU:ABE
Australian Bond Exchange Holdings Ltd.
0.02
-0.01
-43.33%
AU:OFX
OFX Group Ltd.
0.54
-0.56
-50.91%
AU:COG
COG Financial Services Limited
1.16
>-0.01
-0.60%
AU:FNX
Finexia Financial Group Ltd
0.18
-0.10
-35.71%
Raiz Invest Ltd. Corporate Events
Raiz Invest Corrects Director Interest Notice to Clarify Indirect Holdings
Mar 27, 2026
Raiz Invest Ltd., the ASX-listed fintech known for its Round-Up micro-investing app, continues to position itself as a mass-market wealth-building platform aimed at first-time and everyday investors across Australia. The company’s core propo...
Raiz director Brendan Malone increases indirect shareholding
Mar 26, 2026
Raiz Invest has disclosed a change in the security holdings of director Brendan Barry Malone, filed with the ASX as an update to his notifiable interests. Malone holds both direct and indirect interests, primarily through BB Management Holdings Pt...
Raiz Director Brendan Malone Increases Direct Shareholding
Mar 25, 2026
Raiz Invest has disclosed a change in director Brendan Barry Malone’s relevant interest in the company’s securities, reflecting a modest on‑market purchase of additional ordinary shares. The transaction increases Malone’s d...
Raiz Invest Turns Profitable as Revenue and Funds Under Management Surge
Feb 27, 2026
Raiz Invest reported strong first-half FY26 results, with revenue up 23.9% to $14.4m, active customers rising 5.7% to 336,048 and funds under management climbing 28.5% to $2.1bn. The shift toward higher-value products such as the Plus Plan and kid...
Raiz Invest swings to half-year profit as revenue climbs and asset base strengthens
Feb 27, 2026
Raiz Invest Ltd. reported a strong turnaround for the half-year ended 31 December 2025, with revenue from ordinary activities rising 23.9% to $14.38 million compared with the prior corresponding period. The company swung from a loss to a profit at...
Raiz Invest Cancels 438,058 Performance Rights, Adjusting Capital Structure
Feb 20, 2026
Raiz Invest Ltd. has reported the cessation of 438,058 performance rights, recorded under the ASX security code RZIAT, effective 19 February 2026. The removal of these performance rights alters the company’s issued capital structure and may ...
Raiz Invest Hits Record $2.1bn FUM as Plus and Kids Products Power Growth
Jan 27, 2026
Raiz Invest reported record funds under management of $2.1 billion for the quarter ended 31 December 2025, up 28.5% year on year, driven largely by $62 million in net inflows despite softer markets and cautious retail sentiment. Active customers g...
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.