Money3 Corporation Limited (AU:SVR)
ASX:SVR
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Money3 Corporation Limited
(Sydney:SVR)
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Rating:67Neutral
Price Target:
AU$1.50
▼(-14.77% Downside)
Action:Reiterated
Date:11/26/25
The overall stock score of 67 reflects a mixed outlook. The company's strong technical indicators and attractive valuation are significant positives, suggesting potential for price appreciation and income generation. However, the financial performance is a concern due to declining revenue and high leverage, which could pose risks if not addressed.
Positive Factors
Secured lending collateral
A core business focus on secured motor vehicle and equipment loans gives Money3 structurally lower loss severity versus unsecured lenders. Collateral improves recoveries and allows larger loan sizes, supporting credit stability and durable interest income through credit cycles.
Negative Factors
Severe recent revenue decline
A near-total revenue collapse is a structural red flag: it weakens scale economics, reduces fee and interest income diversity, and strains margin sustainability. Restoring origination volumes may take multiple quarters and could permanently damage branch and digital distribution economics.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured lending collateral
A core business focus on secured motor vehicle and equipment loans gives Money3 structurally lower loss severity versus unsecured lenders. Collateral improves recoveries and allows larger loan sizes, supporting credit stability and durable interest income through credit cycles.
Read all positive factors
Money3 Corporation Limited (SVR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$275.74M
Dividend Yield7.73%
Average Volume (3M)333.71K
Price to Earnings (P/E)4.7
Beta (1Y)0.84
Revenue Growth-8.03%
EPS Growth65.07%
CountryAU
Employees350
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.16
Shares Outstanding188,866,130
10 Day Avg. Volume443,062
30 Day Avg. Volume333,706
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)0.96
Price to Sales (P/S)81.01
P/FCF Ratio6.93
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)0.19
Revenue Forecast (FY)AU$197.20M
Money3 Corporation Limited Business Overview & Revenue Model
Company Description
Solvar Limited provides automotive and personal finance in Australia and New Zealand. The company offers vehicle loans that include loans for new and used cars, motorbikes, utility vehicles, trailers, tractors, trucks, caravan, boats, horse floats...
How the Company Makes Money
Money3 primarily makes money by originating loans and earning interest income over the life of those loans. Key revenue streams include (1) interest and fee income from personal loans (typically smaller-balance, shorter-duration loans) and (2) int...
Money3 Corporation Limited Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 141.22M | 4.21M | 220.75M | 209.34M | 187.88M | 145.10M |
| Gross Profit | 109.30M | -47.86M | 99.95M | 190.67M | 173.70M | 134.03M |
| EBITDA | 71.57M | 98.24M | 98.58M | 110.77M | 99.16M | 80.92M |
| Net Income | 32.39M | 31.42M | 17.04M | 47.63M | 51.63M | 39.16M |
Balance Sheet | ||||||
| Total Assets | 965.83M | 961.59M | 1.02B | 1.02B | 822.17M | 628.63M |
| Cash, Cash Equivalents and Short-Term Investments | 111.91M | 98.94M | 152.90M | 145.87M | 122.50M | 55.63M |
| Total Debt | 605.90M | 588.50M | 632.94M | 618.85M | 425.83M | 263.00M |
| Total Liabilities | 624.70M | 607.88M | 657.24M | 638.37M | 453.25M | 292.11M |
| Stockholders Equity | 341.12M | 353.71M | 365.74M | 377.13M | 368.92M | 336.52M |
Cash Flow | ||||||
| Free Cash Flow | 56.66M | 49.21M | 19.55M | -124.52M | -66.57M | -52.27M |
| Operating Cash Flow | 56.95M | 49.51M | 19.75M | -124.19M | -65.78M | -51.40M |
| Investing Cash Flow | -12.05M | -12.42M | -185.00K | -1.53M | -3.10M | -23.01M |
| Financing Cash Flow | -65.20M | -91.19M | -12.52M | 149.09M | 136.18M | 82.58M |
Money3 Corporation Limited Technical Analysis
Negative
1.76
Price Trends
1.56
Negative
1.65
Negative
1.59
Negative
Market Momentum
-0.04
Positive
26.71
Positive
9.74
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:SVR, the sentiment is Negative. The current price of 1.76 is above the 20-day moving average (MA) of 1.53, above the 50-day MA of 1.56, and above the 200-day MA of 1.59, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 26.71 is Positive, neither overbought nor oversold. The STOCH value of 9.74 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:SVR.
Money3 Corporation Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | AU$275.74M | 4.67 | 9.32% | 7.73% | -8.03% | 65.07% | |
64 Neutral | AU$153.06M | 9.87 | 72.15% | ― | 20.39% | -42.91% | |
57 Neutral | AU$738.96M | 4.16 | 12.70% | 11.71% | -8.26% | 5.26% | |
52 Neutral | AU$946.16M | 4.93 | 7.72% | 6.60% | 8.89% | 334.62% | |
50 Neutral | AU$968.48M | 4.10 | 12.13% | 11.83% | -4.02% | 17.32% | |
43 Neutral | AU$67.46M | -1.10 | -43.76% | ― | 17.04% | -121.43% |
* Financial Sector Average
AU:SVR
Money3 Corporation Limited
1.41
-0.11
-6.99%
AU:PLT
Plenti Group Ltd.
0.85
0.00
0.00%
AU:PPM
Pepper Money Ltd
1.67
0.23
16.11%
AU:LFS
Latitude Group Holdings Ltd.
0.92
-0.13
-12.10%
AU:MME
MoneyMe Ltd.
0.08
-0.06
-40.71%
AU:LFG
Liberty Financial Group Ltd
3.17
0.47
17.58%
Money3 Corporation Limited Corporate Events
Solvar targets growth in Australia’s vehicle and asset finance market
May 11, 2026
Solvar has built a diversified loan book of about $875 million across consumer and commercial lending, with a small market share in a large addressable market estimated at more than $140 billion. The company highlights strong alignment between sta...
Solvar’s Money3 hit with $1.55m penalty as ASIC case concludes
Apr 27, 2026
Solvar Limited, the parent of Money3 Loans Pty Ltd, is a specialist consumer and commercial finance provider with a strong presence in Australia and New Zealand’s used-vehicle finance market. The group uses technology-driven processes across...
Solvar Director Increases Indirect Shareholding via On-Market Trade
Apr 22, 2026
Solvar Limited has disclosed a change in director Stuart Robertson’s relevant interest in the company’s securities, following an on-market trade conducted through Deluzo Investments Pty Ltd as trustee for the Northcote Family account, ...
Solvar Flags Growth Potential in Australian Vehicle Finance Market
Apr 15, 2026
Solvar highlighted its scale and growth potential at the Emerging Wealth Winners Conference, noting it has financed over $3 billion in assets and more than 250,000 vehicles for both consumer and commercial customers. The company emphasized its rel...
Solvar Issues New Unquoted Performance Rights Under Employee Incentive Plan
Apr 6, 2026
Solvar Limited has notified the market of the issue of 29,170 unquoted performance rights under its employee incentive scheme, with an issue date of 7 April 2026. The new grant underscores the company’s continued reliance on equity-based inc...
Solvar Director Scott Baldwin Lifts Indirect Shareholding via On-Market Purchase
Mar 16, 2026
Solvar Limited has disclosed a change in director Scott Baldwin’s indirect interest in the company’s shares, lodged under ASX listing rule requirements. The notice details that Baldwin, through Ezy Rhodes Pty Ltd, acquired an additiona...
Solvar Appoints New Company Secretary as Long-Serving Executive Departs
Mar 15, 2026
Solvar Limited, a specialist consumer and commercial finance provider dominant in the used-vehicle finance segment across Australia and New Zealand, has built a substantial loan book over two decades and emphasises technology-enabled lending. The ...
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.