Raiz Invest Ltd. (RZI) AI Stock Analysis

• Market Cap: €87.47M
• Dividend Yield: N/A
• Average Volume (3M): 131.01K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.72
• Revenue Growth: 5.03%
• EPS Growth: 52.31%
• Country: AU
• Employees: 31
• Sector: Technology
• Sector Strength: 88
• Industry: Financial - Capital Markets
• EPS (TTM): <0.01
• Shares Outstanding: 105,390,010
• 10 Day Avg. Volume: 115,805
• 30 Day Avg. Volume: 131,015
• PEG Ratio: 44.23
• Price to Book (P/B): 33.93
• Price to Sales (P/S): 56.53
• P/FCF Ratio: 499.97
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: AU$1.00 ▲(29.87% 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.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strengthening market position and the potential for future expansion as the company attracts more users.

Cash Flow Management

Strong cash flow management enhances financial flexibility, enabling the company to invest in growth opportunities and weather economic uncertainties.

Balance Sheet Health

A low debt-to-equity ratio indicates financial stability and reduces the risk of financial distress, supporting long-term operational sustainability.

Negative Factors

Profitability Challenges

Ongoing profitability challenges may limit the company's ability to reinvest in growth and return value to shareholders, impacting long-term viability.

Operational Efficiency

Improving operational efficiency is crucial for enhancing margins and achieving sustainable profitability, which is currently a challenge for the company.

Return on Equity

Negative return on equity indicates inefficiencies in using shareholder capital, which could deter investment and affect long-term growth prospects.

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 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 Money

Raiz 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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	24.07M	24.07M	21.66M	19.17M	19.34M	13.97M
Gross Profit	17.89M	17.89M	20.55M	16.07M	16.03M	11.23M
EBITDA	134.00K	134.00K	524.00K	-3.15M	-7.66M	-1.95M
Net Income	-310.00K	-310.00K	-1.87M	-6.90M	-9.63M	-3.52M
Balance Sheet
Total Assets	47.48M	47.48M	42.88M	44.75M	54.19M	42.04M
Cash, Cash Equivalents and Short-Term Investments	13.62M	13.62M	9.90M	9.13M	16.14M	19.67M
Total Debt	1.33M	1.33M	1.11M	637.00K	1.34M	705.00K
Total Liabilities	7.38M	7.38M	6.52M	6.17M	8.16M	4.80M
Stockholders Equity	40.10M	40.10M	37.99M	41.44M	47.95M	38.25M
Cash Flow
Free Cash Flow	2.72M	2.72M	342.00K	-6.62M	-5.79M	-2.57M
Operating Cash Flow	2.72M	2.72M	3.61M	-3.00M	-2.76M	-604.00K
Investing Cash Flow	-3.13M	-3.13M	-3.27M	-3.62M	-3.03M	-2.06M
Financing Cash Flow	3.70M	3.70M	951.00K	-488.00K	2.09M	9.16M

Raiz Invest Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.77
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 0.77 is below the 20-day moving average (MA) of 0.84, below the 50-day MA of 0.84, and above the 200-day MA of 0.68, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 37.60 is Neutral, neither overbought nor oversold. The STOCH value of 25.93 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
OFX	60 Neutral	AU$136.71M	5.64	9.31%	―	-5.73%	-36.36%
COG	55 Neutral	AU$489.39M	24.55	12.36%	3.02%	-26.30%	40.12%
RZI	53 Neutral	€87.47M	-133.87	-0.15%	―	5.03%	52.31%
PPS	50 Neutral	AU$430.58M	31.80	12.27%	2.76%	24.56%	59.32%
FNX	46 Neutral	AU$11.21M	―	-34.88%	―	43.00%	-6078.57%
ABE	41 Neutral	AU$3.69M	-0.77	-444.41%	―	-37.25%	27.45%

Raiz Invest Ltd. Corporate Events

Raiz Invest’s 2025 AGM Highlights Governance Changes

Raiz Invest Limited held its 2025 Annual General Meeting, where various resolutions were put to vote. The meeting saw the withdrawal of some resolutions, notably the election of Juliana Nguyen as Director, due to her resignation. The outcomes of the meeting reflect the company’s ongoing governance and strategic adjustments, impacting its operational and leadership framework.

Raiz Invest Reports Strong FY25 Results and Strategic Growth

Raiz Invest Limited reported successful implementation of its growth strategies at the 2025 Annual General Meeting, highlighting strong financial results for FY25 and positive momentum across key performance metrics. The company focused on building brand awareness, expanding its customer base, and enhancing customer experience. The introduction of new products like Raiz Jars and the integration of AI tools into marketing strategies have improved customer engagement and retention, positioning Raiz for future growth opportunities.

Raiz Invest Announces Board Change with Resignation of Juliana Nguyen

Raiz Invest Limited announced a board change with the resignation of Ms. Juliana Nguyen, effective after the Annual General Meeting on November 19, 2025. Ms. Nguyen, who has been a significant contributor to the company since January 2025, brought valuable expertise in tech and financial services, particularly in brand strategy, and her departure will be felt across the board. This change may impact the company’s strategic direction and stakeholder relations.

Raiz Invest Shines at Australian MicroCap Investment Conference

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.

Raiz Invest Announces Hybrid Annual General Meeting for 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.

Raiz Invest Ltd. Announces Quotation of New Securities on ASX

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.

Raiz Invest Achieves Record $2bn FUM with New Offerings and Strategic Partnerships

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.

Raiz Invest Ltd. Celebrates Major Milestones and Industry Recognition

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.

Raiz Invest Ltd. Lists New Securities on ASX

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.