Wisr Ltd. (WZR) AI Stock Analysis

• Market Cap: AU$37.66M
• Dividend Yield: N/A
• Average Volume (3M): 1.78M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.63
• Revenue Growth: -5.95%
• EPS Growth: -9.84%
• Country: AU
• Employees: 52
• Sector: Financial
• Sector Strength: 75
• Industry: Financial - Credit Services
• EPS (TTM): >-0.01
• Shares Outstanding: 1,394,942,300
• 10 Day Avg. Volume: 336,108
• 30 Day Avg. Volume: 1,776,536
• PEG Ratio: 0.32
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.32
• 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: AU$0.06
• Price Target Upside: 100.00% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 46 Neutral
• Price Target: AU$0.00 ▼(-100.00%Downside)

Wisr Ltd.'s overall score is primarily impacted by financial performance challenges, including high leverage and negative profitability. Technical analysis indicates a neutral stance, while valuation concerns arise from a negative P/E ratio and lack of dividends. The absence of earnings call and corporate events data limits further assessment.

Wisr Ltd. Business Overview & Revenue Model

Company Description

Wisr Limited engages in the lending business in Australia. The company provides personal and secured vehicle loans for 3, 5, and 7-year maturities to consumers, and funds loans through the warehouse funding structures and retail borrowers. Wisr Limited was incorporated in 1966 and is based in The Rocks, Australia.

How the Company Makes Money

Wisr Ltd. generates revenue primarily through interest income from personal loans issued to consumers. The company utilizes a proprietary digital platform that facilitates the loan application, approval, and disbursement processes, thereby reducing operational costs and improving efficiency. Interest rates and loan terms vary based on the creditworthiness of borrowers, allowing Wisr to cater to a diverse customer base. In addition to interest income, Wisr may earn revenue from fees associated with loan origination and account management. The company also engages in strategic partnerships to expand its reach and enhance its service offerings, contributing to its revenue streams.

Wisr Ltd. Financial Statement Overview

Summary

Wisr Ltd. shows revenue growth and improved cash flow management, but persistent net losses, high debt levels, and low equity signal financial risk. Operational improvements are evident but insufficient to ensure stability in the competitive credit services industry.

Income Statement

Wisr Ltd. has shown some improvement in revenue growth over the years, with significant increases from 2020 to 2023. However, the company is still struggling with profitability, as indicated by negative net income in recent years. While the gross profit margin indicates an ability to cover costs, the net profit margin remains negative, highlighting operational inefficiencies. The EBIT and EBITDA margins have improved, yet they are insufficient to cover the net losses, impacting the overall financial health.

Balance Sheet

The company's balance sheet shows a high level of debt, resulting in a concerning debt-to-equity ratio. Despite having a reasonable amount of total assets, the overwhelming liabilities overshadow the stockholders' equity. The equity ratio is low, indicating a heavy reliance on debt financing, which could pose risks in terms of financial stability and leverage. This weakens the company's ability to withstand economic fluctuations.

Cash Flow

Wisr Ltd. has managed to improve its operating cash flow, indicating better cash management compared to prior years. The free cash flow has shown growth, which is positive for future investments and debt servicing. However, both operating cash flow to net income and free cash flow to net income ratios suggest that the company is not yet generating sufficient cash relative to its income, reflecting ongoing operational challenges.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	92.12M	91.86M	59.39M	27.23M	7.17M
Gross Profit	71.27M	64.32M	34.88M	9.43M	-4.36M
EBITDA	47.18M	33.88M	-219.64K	-9.81M	-22.50M
Net Income	-8.19M	-13.15M	-19.90M	-17.64M	-23.53M
Balance Sheet
Total Assets	838.47M	1.00B	868.07M	471.43M	125.96M
Cash, Cash Equivalents and Short-Term Investments	62.36M	53.58M	71.52M	92.51M	38.09M
Total Debt	787.83M	931.50M	783.49M	394.36M	86.71M
Total Liabilities	790.48M	934.07M	790.23M	399.18M	89.99M
Stockholders Equity	47.99M	68.01M	77.85M	72.26M	35.97M
Cash Flow
Free Cash Flow	17.90M	1.94M	-5.25M	-8.29M	-12.81M
Operating Cash Flow	17.94M	6.25M	-2.58M	-7.98M	-12.81M
Investing Cash Flow	137.49M	-168.67M	-406.36M	-294.36M	-82.56M
Financing Cash Flow	-146.64M	144.51M	388.01M	356.78M	121.35M

Wisr Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.03
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:WZR, the sentiment is Positive. The current price of 0.03 is above the 20-day moving average (MA) of 0.03, above the 50-day MA of 0.03, and above the 200-day MA of 0.03, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 52.99 is Neutral, neither overbought nor oversold. The STOCH value of 250.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:WZR.

Wisr Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLT	77 Outperform	AU$166.98M	6.56	71.90%	―	22.94%	―
Sector *	65 Neutral	kr116.58B	25.35	6.10%	3.64%	14.92%	-75.80%
EPY	61 Neutral	AU$54.44M	32.54	2.31%	1.40%	-5.36%	―
BTN	48 Neutral	AU$38.41M	―	-85.47%	―	4.91%	-29.86%
WZR	46 Neutral	AU$37.66M	―	-20.13%	―	-5.95%	-9.84%
6DR	―	€33.75M	―	-26.78%	―	―	―
PNC	43 Neutral	AU$89.04M	―	-16.83%	―	-2.45%	-639.57%

Wisr Ltd. Corporate Events

Wisr Ltd. Announces Cessation of Over 13 Million Performance Rights

Wisr Ltd. has announced the cessation of a significant number of performance rights, totaling over 13 million, due to the inability to meet certain conditions. This development may impact the company’s capital structure and could have implications for its financial strategy and stakeholder interests.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.06 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

Wisr Expands Loan Capacity with $267M Warehouse Facility

Wisr Limited has launched a new $267 million loan funding warehouse facility, led by Barclays Bank, to support its accelerating loan volume growth. This facility, which can expand in size, is part of Wisr’s strategy to enhance debt capacity, diversify funding partners, and improve loan unit economics. It supports both personal and secured vehicle loans, and increases Wisr’s total warehouse capacity to over $900 million. The new facility is expected to improve funding costs and enhance Wisr’s access to competitive markets, further strengthening its financial resilience and stakeholder confidence.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.06 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

Wisr Limited Director Increases Shareholding

Wisr Limited has announced a change in the interest of its director, Craig Swanger, in the company’s securities. On May 15, 2025, Mr. Swanger acquired 1,000,000 fully paid ordinary shares through an on-market trade, increasing his indirect holdings via RevolutionID Pty Ltd ATF CSTP Superannuation Fund. This acquisition reflects a strategic move by the director, potentially indicating confidence in the company’s future prospects.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.06 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

Wisr Limited to Present at Financials Conference

Wisr Limited announced its participation in the Shaw and Partners Small Cap Financials Conference, where its CEO and CFO will present. This engagement highlights Wisr’s proactive approach to investor relations and its commitment to transparency, potentially enhancing its market presence and stakeholder confidence.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.06 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

Wisr Limited Announces Director’s Share Acquisition

Wisr Limited announced a change in the director’s interest notice, specifically concerning Kate Whitney. The change involves an acquisition of 322,582 fully paid ordinary shares by Ms. Whitney’s spouse, Chris Whitney, through an on-market trade, increasing their total holdings to 625,007 shares. This transaction, valued at $10,000, reflects a strategic move within the company’s leadership, potentially impacting investor perceptions and stakeholder interests.

Wisr Ltd. Upgrades Loan Origination Growth Guidance for FY25

Wisr Ltd. has announced an upgrade in its guidance for loan origination growth in FY25, reflecting a strong year-to-date performance. The company now expects a 90%+ growth in loan origination, up from the previous estimate of 75%. This positive outlook is supported by strong capital and funding, as well as investments in automation to create efficiencies, positioning Wisr for sustainable growth and improved asset quality.