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$2.00
▲(13.64% Upside)
Action:ReiteratedDate: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
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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Money3 Corporation Limited (SVR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$298.41M
Dividend Yield7.73%
Average Volume (3M)333.71K
Price to Earnings (P/E)4.7
Beta (1Y)0.88
Revenue Growth-4.26%
EPS Growth89.71%
CountryAU
Employees350
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.10
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 Target
AU$2.00Price Target Upside13.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.19
Revenue Forecast (FY)AU$200.00M
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 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 arra...
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
Positive
1.76
Price Trends
1.69
Negative
1.67
Negative
1.57
Positive
Market Momentum
-0.03
Negative
45.99
Neutral
35.00
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 above the 20-day moving average (MA) of 1.59, above the 50-day MA of 1.69, and above the 200-day MA of 1.57, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 45.99 is Neutral, neither overbought nor oversold. The STOCH value of 35.00 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
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$298.41M | 4.67 | 9.32% | 7.73% | -4.26% | 89.71% | |
64 Neutral | AU$141.22M | 6.29 | 72.15% | ― | 19.38% | ― | |
56 Neutral | AU$318.06M | 6.25 | 7.83% | 2.84% | 7.64% | 463.49% | |
55 Neutral | AU$2.12B | 20.16 | 15.91% | ― | 23.69% | 116.67% | |
44 Neutral | AU$35.23M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
43 Neutral | AU$68.27M | -1.10 | -43.76% | ― | -9.56% | -392.31% |
* Financial Sector Average
AU:SVR
Money3 Corporation Limited
1.58
0.35
28.90%
AU:HUM
Humm Group Limited
0.63
0.14
29.10%
AU:WZR
Wisr Ltd.
0.02
>-0.01
-33.33%
AU:ZIP
Zip Co Ltd.
1.67
0.40
31.50%
AU:PLT
Plenti Group Ltd.
0.78
0.02
1.97%
AU:MME
MoneyMe Ltd.
0.08
-0.04
-30.00%
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...
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 ...
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 i...
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 ...
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...
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 ...
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 to...
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 a...
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 mi...
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...
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 th...
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 ...
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 d...
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. T...
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.