Wisr Ltd. (AU:WZR)
ASX:WZR
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Wisr Ltd.
(Sydney:WZR)
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Select Model
Rating:44Neutral
Price Target:
AU$0.02
▼(-10.00% Downside)
Action:ReiteratedDate:03/20/26
The score is primarily constrained by weak financial performance (sharp revenue decline, ongoing losses, high leverage, and weak free cash flow trends). Technicals also point to downside pressure with bearish moving-average alignment and negative MACD. Valuation provides limited offset due to a negative P/E and no dividend yield data.
Positive Factors
Platform-based lending model
Wisr's fintech platform model is structurally scalable: matching borrowers with multiple funding sources reduces capital intensity versus a pure balance-sheet lender and supports fee-based revenue as origination volumes recover. Over months this model preserves optionality to scale without proportional fixed-cost increases.
Negative Factors
Severe revenue contraction
A near-total collapse in reported revenue is a lasting structural concern: scale-dependent economics, marketplace liquidity and fee income all deteriorate. Restoring sustainable growth will require materially higher originations and funding capacity; absent that, margins and competitive position remain impaired for months.
Read all positive and negative factors
Positive Factors
Negative Factors
Platform-based lending model
Wisr's fintech platform model is structurally scalable: matching borrowers with multiple funding sources reduces capital intensity versus a pure balance-sheet lender and supports fee-based revenue as origination volumes recover. Over months this model preserves optionality to scale without proportional fixed-cost increases.
Read all positive factors
Wisr Ltd. (WZR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$34.35M
Dividend YieldN/A
Average Volume (3M)1.32M
Price to Earnings (P/E)―
Beta (1Y)0.29
Revenue Growth-2.35%
EPS Growth13.33%
CountryAU
Employees52
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.00
Shares Outstanding1,761,499,500
10 Day Avg. Volume1,105,412
30 Day Avg. Volume1,323,966
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.35
Price to Sales (P/S)22.84
P/FCF Ratio3.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$0.06Price Target Upside200.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)>-0.01
Revenue Forecast (FY)AU$108.15M
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 Li...
How the Company Makes Money
Wisr primarily generates revenue from its consumer lending and loan marketplace activities. This typically includes (1) interest income and/or net interest margin on loans it funds or holds (where Wisr is the lender or retains credit exposure), an...
Wisr Ltd. Financial Statement Overview
Summary
Income Statement
35
Negative
Balance Sheet
40
Negative
Cash Flow
45
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 64.16M | 1.58M | 92.12M | 91.86M | 59.39M | 27.23M |
| Gross Profit | 51.42M | -54.18M | 71.27M | 64.32M | 34.88M | 9.43M |
| EBITDA | 55.16M | 50.25M | 47.18M | 33.88M | -219.64K | -9.81M |
| Net Income | -8.99M | -7.26M | -8.19M | -13.15M | -19.90M | -17.64M |
Balance Sheet | ||||||
| Total Assets | 1.02B | 871.41M | 838.47M | 1.00B | 868.07M | 471.43M |
| Cash, Cash Equivalents and Short-Term Investments | 75.51M | 43.85M | 62.36M | 53.58M | 71.52M | 92.51M |
| Total Debt | 972.89M | 837.53M | 787.83M | 931.50M | 783.49M | 394.36M |
| Total Liabilities | 976.80M | 844.69M | 790.48M | 934.07M | 790.23M | 399.18M |
| Stockholders Equity | 42.07M | 26.72M | 47.99M | 68.01M | 77.85M | 72.26M |
Cash Flow | ||||||
| Free Cash Flow | 10.72M | 11.54M | 17.90M | 1.94M | -5.25M | -8.29M |
| Operating Cash Flow | 10.92M | 13.69M | 17.94M | 6.25M | -2.58M | -7.98M |
| Investing Cash Flow | -193.33M | -75.51M | 137.49M | -168.67M | -406.36M | -294.36M |
| Financing Cash Flow | 206.00M | 43.10M | -146.64M | 144.51M | 388.01M | 356.78M |
Wisr Ltd. Technical Analysis
Negative
0.02
Price Trends
0.02
Negative
0.03
Negative
0.03
Negative
Market Momentum
>-0.01
Negative
38.82
Neutral
50.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:WZR, the sentiment is Negative. The current price of 0.02 is below the 20-day moving average (MA) of 0.02, below the 50-day MA of 0.02, and below the 200-day MA of 0.03, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 38.82 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:WZR.
Wisr Ltd. 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% | |
65 Neutral | AU$41.45M | -179.71 | 2.15% | 4.27% | -6.67% | 22.09% | |
64 Neutral | AU$149.41M | 6.29 | 72.15% | ― | 19.38% | ― | |
58 Neutral | AU$80.64M | 3.91 | 24.31% | ― | 7.92% | ― | |
52 Neutral | AU$94.60M | 2.59 | 23.10% | ― | -0.51% | ― | |
44 Neutral | AU$34.35M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
41 Neutral | AU$10.68M | -3.94 | -36.66% | ― | 8.28% | 84.45% |
* Financial Sector Average
AU:WZR
Wisr Ltd.
0.02
-0.01
-36.67%
AU:HMY
Harmoney Corp Ltd
0.78
0.32
70.33%
AU:BTN
Butn Limited
0.03
-0.07
-72.00%
AU:PNC
Pioneer Credit Ltd
0.60
0.19
48.75%
AU:PLT
Plenti Group Ltd.
0.82
0.07
9.33%
AU:EPY
EarlyPay Limited
0.16
-0.05
-23.81%
Wisr Ltd. Corporate Events
Wisr Issues New Shares Under Disclosure Exemption While Affirming Compliance
Mar 17, 2026
Wisr Limited has issued 2,933,918 fully paid ordinary shares without a prospectus, relying on provisions of the Corporations Act that allow such issuance without formal disclosure. The company confirmed it remains compliant with its financial repo...
Wisr Seeks ASX Quotation for Nearly 2.9 Million New Shares
Mar 17, 2026
Wisr Ltd has applied for quotation on the ASX of 2,933,918 new fully paid ordinary shares, which were issued on 11 March 2026. The additional securities, arising from the exercise or conversion of existing instruments, will expand the company̵...
Wisr Swings to Profit on Higher Revenue but Holds Back Dividends
Feb 24, 2026
Wisr Limited reported a 14% increase in revenue from ordinary activities to A$51.5 million for the half-year ended 31 December 2025, reflecting continued growth in its lending operations. Net tangible assets per share declined to 1.81 cents from 2...
Wisr Accelerates Loan Growth and Improves Credit Performance as Profitability Nears
Jan 28, 2026
Wisr reported a strong second quarter of FY26, with its loan book expanding 23% year-on-year to $928.5 million and revenue rising 16% to $26.5 million, driven by a 76% jump in loan originations to $164.2 million across both personal and secured ve...
Wisr Sets Date for Q2FY26 Market Update and Investor Call
Jan 21, 2026
Wisr Limited has announced it will release its market update for the quarter ended 31 December 2025 on 29 January 2026, accompanied by an investor webcast hosted by its chief executive and chief financial officer. The scheduled briefing signals th...
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.