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Money3 Corporation Limited (AU:SVR)
ASX:SVR
Australian Market

Money3 Corporation Limited (SVR) AI Stock Analysis

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AU:SVR

Money3 Corporation Limited

(Sydney:SVR)

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Neutral 67 (OpenAI - 5.2)
Rating:67Neutral
Price Target:
AU$2.00
▲(13.64% Upside)
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
Free cash flow growth
Sustained free cash flow growth of 22.8% provides durable internal funding for loan originations, debt servicing, and potential shareholder distributions. Over the next 2-6 months, strong FCF underpins financial flexibility and reduces reliance on external funding in a capital-intensive lending model.
Margin resilience
High EBIT margin (~23%) and a positive net margin indicate the core lending operations can be economically efficient even with top-line stress. This operating leverage suggests the company can preserve profitability through disciplined cost control and underwriting, supporting longer-term earnings resilience.
Diversified lending mix and partnerships
A mix of secured and unsecured consumer products plus partner distribution reduces single-product concentration risk. Structural diversification enhances origination channels, cross-sell opportunities and customer retention, supporting steadier revenue generation across economic cycles.
Negative Factors
Severe revenue decline
An almost complete collapse in reported revenue is a structural red flag: it erodes scale economics, weakens pricing power, and can impair underwriting reinvestment. Without a credible recovery plan, the diminished revenue base threatens sustainable profitability and growth.
High leverage
A debt-to-equity ratio near 1.7 constrains financial flexibility and increases interest burden, raising refinancing and covenant risks. In a consumer finance business with credit cycle exposure, elevated leverage amplifies downside in stress scenarios and limits capital allocation options.
Weak operating cash conversion
Low conversion of net income into operating cash (0.12) suggests earnings may not reliably translate to liquid resources, making funding of loan books and capital requirements more volatile. This structural cash conversion weakness increases dependency on external financing.

Money3 Corporation Limited (SVR) vs. iShares MSCI Australia ETF (EWA)

Money3 Corporation Limited Business Overview & Revenue Model

Company DescriptionSolvar 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, ride on mowers, equipment, and jet skis, as well as secured and unsecured personal loans. It provides loans through brokers and dealers under the Money3, AFS, and Go Car Finance brand names. The company was formerly known as Money3 Corporation Limited and changed its name to Solvar Limited in November 2022. Solvar Limited was incorporated in 2005 and is headquartered in Bundoora, Australia.
How the Company Makes MoneyMoney3 generates revenue primarily through the interest and fees charged on the personal loans it provides to customers. The company has a structured lending model that includes both secured and unsecured loans, allowing it to cater to a wide array of borrowers, from those with good credit histories to those with less favorable credit ratings. Key revenue streams include loan origination fees, late payment fees, and other service charges. Additionally, Money3 benefits from partnerships with various financial institutions and third-party service providers, which enhance its product offerings and customer reach. The company's focus on responsible lending practices and regulatory compliance also plays a significant role in maintaining its reputation and sustaining its revenue growth.

Money3 Corporation Limited Financial Statement Overview

Summary
Money3 Corporation Limited faces significant revenue challenges with a sharp decline in income, but maintains some operational efficiency with positive profit margins. The balance sheet shows high leverage, which could be risky, while cash flow management appears relatively strong with positive free cash flow growth. The company needs to address revenue decline and manage leverage to improve its financial health.
Income Statement
45
Neutral
The income statement shows a significant decline in revenue with a negative growth rate of -98.04% in the most recent year, indicating a major downturn. Gross profit margin is negative, which is concerning. However, the company maintains a positive net profit margin of 7.46% and a strong EBIT margin of 22.98%, suggesting some operational efficiency despite revenue challenges.
Balance Sheet
55
Neutral
The balance sheet reflects a high debt-to-equity ratio of 1.66, indicating significant leverage, which could pose financial risks. Return on equity is relatively low at 8.88%, suggesting limited profitability on equity. The equity ratio is not provided, but the high leverage remains a concern.
Cash Flow
60
Neutral
Cash flow analysis shows a positive free cash flow growth rate of 22.81%, indicating improved cash generation. The operating cash flow to net income ratio is low at 0.12, suggesting potential issues in converting income to cash. However, the free cash flow to net income ratio is strong at 0.99, reflecting efficient cash management.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue151.61M4.21M220.75M209.34M187.88M145.10M
Gross Profit151.61M-47.86M99.95M190.67M173.70M134.03M
EBITDA118.28M98.24M98.58M110.77M99.16M80.92M
Net Income31.47M31.42M17.04M47.63M51.63M39.16M
Balance Sheet
Total Assets961.59M961.59M1.02B1.02B822.17M628.63M
Cash, Cash Equivalents and Short-Term Investments98.94M98.94M152.90M145.87M122.50M55.63M
Total Debt588.50M588.50M632.94M618.85M425.83M263.00M
Total Liabilities607.88M607.88M657.24M638.37M453.25M292.11M
Stockholders Equity353.71M353.71M365.74M377.13M368.92M336.52M
Cash Flow
Free Cash Flow49.21M49.21M19.55M-124.52M-66.57M-52.27M
Operating Cash Flow49.51M49.51M19.75M-124.19M-65.78M-51.40M
Investing Cash Flow-12.42M-12.42M-185.00K-1.53M-3.10M-23.01M
Financing Cash Flow-91.19M-91.19M-12.52M149.09M136.18M82.58M

Money3 Corporation Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1.76
Price Trends
50DMA
1.77
Positive
100DMA
1.67
Positive
200DMA
1.60
Positive
Market Momentum
MACD
0.04
Positive
RSI
57.08
Neutral
STOCH
52.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:SVR, the sentiment is Positive. The current price of 1.76 is below the 20-day moving average (MA) of 1.86, below the 50-day MA of 1.77, and above the 200-day MA of 1.60, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 57.08 is Neutral, neither overbought nor oversold. The STOCH value of 52.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:SVR.

Money3 Corporation Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
AU$214.10M5.8295.31%19.38%
67
Neutral
AU$355.07M12.148.73%7.73%-4.26%89.71%
56
Neutral
AU$375.01M10.567.83%2.84%7.64%463.49%
50
Neutral
AU$3.65B44.2314.42%23.69%116.67%
42
Neutral
AU$51.00M-5.77-19.44%-2.35%13.33%
42
Neutral
AU$101.56M-1.44-42.59%-9.56%-392.31%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:SVR
Money3 Corporation Limited
1.90
0.74
63.79%
AU:HUM
Humm Group Limited
0.75
0.18
31.35%
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:ZIP
Zip Co Ltd.
2.76
0.32
13.11%
AU:PLT
Plenti Group Ltd.
1.13
0.24
26.97%
AU:MME
MoneyMe Ltd.
0.12
-0.10
-45.45%

Money3 Corporation Limited Corporate Events

Solvar Limited Sells New Zealand Loan Book and Updates Capital Strategy
Nov 24, 2025

Solvar Limited has announced the sale of its New Zealand arrears loan book for NZ$8.0 million, with a potential additional NZ$1.4 million based on future performance. This move allows Solvar to monetize an asset with no current balance sheet value and expedite its exit from the New Zealand market. As a result, a special fully franked dividend of 2.5 cents per share will be paid to shareholders in January 2026. The company will focus on capital management by prioritizing special dividends over share buybacks, aligning with the collection of the remaining active loan book in New Zealand.

The most recent analyst rating on (AU:SVR) stock is a Buy with a A$1.85 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Announces Director Departure and Final Interest Notice
Nov 17, 2025

Solvar Limited has announced the cessation of Symon Brewis-Weston as a director, effective November 14, 2025. This change involves the finalization of Brewis-Weston’s interest in the company, which includes 26,732 ordinary shares and 23,707 shares held through a family superfund. The announcement is part of the company’s compliance with ASX listing rules and may have implications for stakeholders regarding the company’s governance and strategic direction.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Money3 Corporation Limited AGM Results: Key Resolutions Passed
Nov 14, 2025

Money3 Corporation Limited held its Annual General Meeting on November 14, 2025, where several resolutions were passed. Key resolutions included the re-election of Stuart Robertson as Director, the election of Kellie Cordner as Director, and the issue of performance rights to Scott Baldwin under the Employee Equity Plan. The meeting also approved the renewal of takeover approval provisions in the company’s constitution. These decisions reflect the company’s strategic focus on strengthening its leadership and governance framework, which may impact its operational and market positioning positively.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Money3 Corporation Limited’s 2025 AGM Highlights Board Expertise
Nov 14, 2025

Money3 Corporation Limited held its 2025 Annual General Meeting, with key members of the Board of Directors present, including Stuart Robertson, Symon Brewis-Weston, Craig Parker, Scott Baldwin, and Kelly Cordner. The meeting focused on the roles and responsibilities of the board members, highlighting their expertise in finance, economics, and marketing, which is crucial for the company’s strategic direction and governance.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Reports Strong FY25 Performance Amid Economic Challenges
Nov 14, 2025

Solvar Limited reported strong financial performance for FY25, achieving revenue growth and expanding its loan book despite a challenging global economic environment. The company has focused on diversifying its business and enhancing its financial robustness through initiatives such as launching a commercial lending business, securing asset-backed securitization, and investing in technology to protect sensitive information. Looking ahead, Solvar anticipates continued benefits from its strategic investments and expects to resolve ongoing regulatory matters by FY27, while global economic conditions remain uncertain.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Announces Change in Director’s Interest
Nov 11, 2025

Solvar Limited announced a change in the director’s interest notice, specifically regarding Scott Baldwin’s indirect interests. The change involved the lapse of 456,668 performance rights under the Employee Incentive Plan due to unmet performance conditions, reducing the total indirect rights held. This adjustment reflects the company’s adherence to performance-based incentives and could impact stakeholders’ perception of management’s alignment with company performance goals.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Updates on Ongoing Buy-Back Program
Nov 11, 2025

Solvar Limited has announced an update regarding its ongoing on-market buy-back program, which involves the repurchase of its ordinary fully paid securities, identified by the ASX code SVR. As of November 12, 2025, the company has bought back a total of 22,372,136 securities, including 52,500 securities purchased on the previous day. This buy-back initiative is part of Solvar Limited’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Updates Equity Securities Issuance
Nov 11, 2025

Solvar Limited has announced an update regarding the issuance, conversion, or payment up of unquoted equity securities. The update amends the quantity of performance rights issued, reflecting changes in the company’s equity structure. This announcement may impact stakeholders by altering the distribution of equity rights, potentially affecting shareholder value and company operations.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Enhances Debt Facilities to Boost Financial Flexibility
Nov 7, 2025

Solvar Limited has announced enhancements to its Money3 business unit’s debt facilities, which include a new $487 million warehouse facility and improved pricing on an existing facility. These changes are expected to save approximately $4 million in pre-tax interest costs by FY27 and increase the group’s total funding capacity to $1.2 billion. This strategic move aims to improve Solvar’s financial flexibility, reduce borrowing costs, and support disciplined loan book growth, enhancing its competitive position in the market.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Announces Board Changes with Retirement of Key Director
Nov 5, 2025

Solvar Limited announced changes to its Board of Directors, with Mr. Symon Brewis-Weston retiring as a Non-Executive Director and Chair of the Remuneration & Nomination Committee. He will be succeeded by Ms. Kellie Cordner. Mr. Brewis-Weston played a crucial role in overhauling the board and management remuneration structures, aligning incentive frameworks with company performance, and introducing best practice governance standards. His departure marks the end of a significant era of leadership and strategic guidance for Solvar, impacting its governance and operational strategies.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Updates on Market Buy-Back Program
Oct 30, 2025

Solvar Limited has announced an update regarding its ongoing on-market buy-back program. The company reported that a total of 22,150,159 securities have been bought back before the previous day, with an additional 63,477 securities purchased on the previous day. This buy-back initiative is part of Solvar’s strategy to manage its capital structure and enhance shareholder value.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Updates on Market Buy-Back Program
Oct 29, 2025

Solvar Limited has announced an update regarding its ongoing on-market buy-back program for its ordinary fully paid securities, identified by the ASX code SVR. The company reported that a total of 22,055,425 securities were bought back before the previous day, with an additional 94,734 securities bought back on the previous day. This buy-back initiative is part of Solvar’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Updates on Market Buy-Back Program
Oct 28, 2025

Solvar Limited has announced an update regarding its ongoing on-market buy-back program for its ordinary fully paid securities, identified by the ASX code SVR. The company reported a total of 21,898,530 securities bought back before the previous day, with an additional 156,895 securities repurchased on the previous day. This buy-back initiative is part of Solvar’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR Stock Forecast page.

Solvar Limited Updates on Market Buy-Back Progress
Oct 27, 2025

Solvar Limited has announced an update regarding its ongoing on-market buy-back program. As of October 28, 2025, the company has repurchased a total of 21,898,530 ordinary fully paid securities, including 122,968 bought back on the previous day. This buy-back initiative is part of Solvar Limited’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:SVR) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Money3 Corporation Limited stock, see the AU:SVR 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 26, 2025