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Wisr Ltd. (AU:WZR)
ASX:WZR
Australian Market
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Wisr Ltd. (WZR) AI Stock Analysis

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AU:WZR

Wisr Ltd.

(Sydney:WZR)

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Neutral 42 (OpenAI - 4o)
Rating:42Neutral
Price Target:
AU$0.03
▲(0.00% Upside)
Wisr Ltd.'s overall stock score is primarily impacted by its weak financial performance, characterized by declining revenue, high leverage, and inconsistent cash flow. Technical analysis shows mixed signals with bearish short-term momentum but some longer-term support. Valuation is unattractive due to negative earnings and no dividend yield.
Positive Factors
Subscription-Based Revenue Model
A subscription-based revenue model provides predictable and recurring income streams, enhancing financial stability and allowing for better long-term planning.
Partnerships for Market Expansion
Strategic partnerships can enhance platform functionality and broaden market reach, potentially leading to increased earnings and competitive positioning over time.
Innovative Product Offerings
Offering innovative solutions for digital engagement positions Wisr as a leader in technology-driven community building, fostering long-term customer loyalty and market differentiation.
Negative Factors
Declining Revenue
Declining revenue growth poses a risk to long-term business sustainability, as it may indicate weakening demand for products and services, affecting profitability and market position.
High Leverage
High leverage increases financial risk, as it can strain cash flow and limit the company's ability to invest in growth opportunities, impacting long-term financial health.
Inconsistent Cash Flow
Inconsistent cash flow generation can hinder the company's ability to fund operations and invest in strategic initiatives, affecting long-term growth and stability.

Wisr Ltd. (WZR) vs. iShares MSCI Australia ETF (EWA)

Wisr Ltd. Business Overview & Revenue Model

Company DescriptionWisr 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 MoneyWisr Ltd. generates revenue through a subscription-based model where clients pay for access to their digital engagement platform. Key revenue streams include monthly or annual subscription fees from organizations and educational institutions utilizing their services. The company also benefits from tiered pricing structures, offering different levels of service and features based on client needs. Additionally, Wisr may engage in partnerships with other technology providers to integrate complementary services, enhancing their platform's functionality and broadening their market reach, which can contribute to increased earnings.

Wisr Ltd. Financial Statement Overview

Summary
Wisr Ltd. faces significant financial challenges, including declining revenue, high leverage, and inconsistent cash flow generation. Despite some improvements in EBITDA margin and operating cash flow, the overall financial health is concerning due to persistent profitability and stability issues.
Income Statement
35
Negative
Wisr Ltd. has experienced a significant decline in revenue, with a revenue growth rate of -97.31% in the latest period. The company is struggling with profitability, as indicated by negative net profit margins and EBIT margins over the years. Despite some improvement in EBITDA margin, the overall income statement reflects challenges in generating consistent revenue and profit growth.
Balance Sheet
40
Negative
The balance sheet shows a high debt-to-equity ratio, indicating significant leverage, which poses a risk to financial stability. The equity ratio is low, reflecting limited shareholder equity relative to total assets. Return on equity remains negative, highlighting ongoing profitability challenges. Overall, the balance sheet suggests financial vulnerability due to high leverage and low equity.
Cash Flow
45
Neutral
Wisr Ltd. has shown some improvement in operating cash flow, but free cash flow growth is negative, indicating challenges in generating cash from operations. The operating cash flow to net income ratio is positive, suggesting some ability to convert income into cash, but the overall cash flow position remains weak due to inconsistent free cash flow performance.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue25.80M1.58M92.12M91.86M59.39M27.23M
Gross Profit45.56M-54.18M71.27M64.32M34.88M9.43M
EBITDA50.25M50.25M47.18M33.88M-219.64K-9.81M
Net Income-7.26M-7.26M-8.19M-13.15M-19.90M-17.64M
Balance Sheet
Total Assets871.41M871.41M838.47M1.00B868.07M471.43M
Cash, Cash Equivalents and Short-Term Investments43.85M43.85M62.36M53.58M71.52M92.51M
Total Debt837.53M837.53M787.83M931.50M783.49M394.36M
Total Liabilities844.69M844.69M790.48M934.07M790.23M399.18M
Stockholders Equity26.72M26.72M47.99M68.01M77.85M72.26M
Cash Flow
Free Cash Flow13.56M11.54M17.90M1.94M-5.25M-8.29M
Operating Cash Flow13.69M13.69M17.94M6.25M-2.58M-7.98M
Investing Cash Flow-75.51M-75.51M137.49M-168.67M-406.36M-294.36M
Financing Cash Flow43.10M43.10M-146.64M144.51M388.01M356.78M

Wisr Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.03
Price Trends
50DMA
0.03
Negative
100DMA
0.03
Negative
200DMA
0.03
Negative
Market Momentum
MACD
>-0.01
Negative
RSI
46.63
Neutral
STOCH
>-0.01
Positive
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 0.03 is below the 20-day moving average (MA) of 0.03, below the 50-day MA of 0.03, and below the 200-day MA of 0.03, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 46.63 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:WZR.

Wisr Ltd. 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$237.74M9.4495.31%19.38%
65
Neutral
AU$55.68M20.003.91%3.76%-6.67%22.09%
58
Neutral
AU$91.05M16.1715.56%7.92%
52
Neutral
AU$104.14M15.2012.72%-0.51%
42
Neutral
AU$47.85M-6.54-19.44%-2.35%13.33%
38
Underperform
AU$34.60M-9.58-26.29%8.28%84.45%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:HMY
Harmoney Corp Ltd
0.88
0.51
136.49%
AU:BTN
Butn Limited
0.09
<0.01
12.50%
AU:PNC
Pioneer Credit Ltd
0.66
0.08
13.79%
AU:PLT
Plenti Group Ltd.
1.14
0.46
67.65%
AU:EPY
EarlyPay Limited
0.21
<0.01
5.00%

Wisr Ltd. Corporate Events

Wisr Ltd. Announces Quotation of New Securities on ASX
Dec 4, 2025

Wisr Ltd. has announced the quotation of 39,388,003 ordinary fully paid securities on the Australian Securities Exchange (ASX) as part of previously announced transactions. This move is expected to enhance the company’s market presence and provide additional capital for growth initiatives, potentially impacting its operational capabilities and stakeholder interests positively.

Wisr Limited Successfully Completes Share Purchase Plan, Strengthens Financial Position
Dec 4, 2025

Wisr Limited announced the successful completion of its Share Purchase Plan, raising $1.221 million through the issuance of new shares. The funds, combined with a prior placement, total $10.6 million and will be used to reduce corporate debt and support growth initiatives. This capital raise strengthens Wisr’s financial position, allowing it to enhance loan origination and product development, thereby potentially improving its market standing and operational capabilities.

Wisr Limited Issues New Shares to Bolster Financial Position
Nov 28, 2025

Wisr Limited has announced the issuance of 9,953,690 fully paid ordinary shares without disclosure to investors, in compliance with relevant sections of the Corporations Act 2001. This move is part of Wisr’s ongoing efforts to strengthen its financial position and enhance its market presence, potentially impacting stakeholders by increasing the company’s capital base.

Wisr Ltd. Announces New Securities Quotation on ASX
Nov 28, 2025

Wisr Ltd. has announced the issuance of 9,953,690 ordinary fully paid securities, which are set to be quoted on the Australian Securities Exchange (ASX) under the code WZR. This move is part of the company’s strategic efforts to enhance its financial position and market presence, potentially impacting its operations and stakeholder interests positively.

Wisr Limited’s Transformative Year and Strategic Growth Initiatives
Nov 24, 2025

Wisr Limited has experienced a transformative year, successfully implementing its ‘return to growth’ strategy by doubling loan originations and achieving EBITDA profitability. The company has also announced significant capital management initiatives, including an $11.4 million equity capital raise and the refinancing of a $50 million corporate funding facility, which have improved its financial flexibility and market position.

Wisr Limited Issues New Shares to Bolster Market Position
Nov 14, 2025

Wisr Limited has issued 301,869,781 fully paid ordinary shares without disclosure to investors, in compliance with the Corporations Act. This strategic move, authorized by the company’s Board of Directors, is aimed at strengthening Wisr’s market position and operational capabilities in the fintech industry.

Wisr Ltd. Announces Quotation of New Securities on ASX
Nov 14, 2025

Wisr Ltd. has announced the quotation of 301,869,781 ordinary fully paid securities on the Australian Securities Exchange (ASX) as of November 14, 2025. This move is part of a previously announced transaction, potentially impacting the company’s market presence and offering stakeholders an opportunity to engage with its expanding financial services portfolio.

Wisr Completes $9.4M Institutional Placement to Boost Financial Position
Nov 14, 2025

Wisr Limited has successfully completed a $9.4 million institutional placement, issuing over 301 million shares to sophisticated investors. The capital raised will be used to repay $7.5 million of the company’s corporate debt, reducing the balance to $27.5 million, and to support loan origination growth and product development. Additionally, Wisr plans to offer a non-underwritten Share Purchase Plan (SPP) to eligible shareholders to raise up to $2 million, providing further financial flexibility and liquidity.

Wisr Refinances Debt Facility to Accelerate Profitability
Nov 12, 2025

Wisr Limited has announced a new $50 million corporate debt facility with FC Capital, replacing its existing facility. This refinancing significantly reduces the company’s interest margin, aiding its path to profitability. By reducing the drawn balance from $35 million to $27.5 million, Wisr enhances its financial flexibility and liquidity, supporting its strategic growth plans and commitment to achieving profitability by the second half of fiscal year 2026.

Wisr Limited Issues Addendum to AGM Notice with New Resolutions
Nov 12, 2025

Wisr Limited has issued an addendum to its Notice of Annual General Meeting, introducing new Resolutions 5 and 6, along with updates to the Explanatory Statement for Resolution 4. Shareholders are advised on the procedures for voting, including the use of a Replacement Proxy Form if they wish to change their votes or vote on the new resolutions. The meeting’s date, time, and venue remain unchanged, ensuring clarity and transparency in the voting process for stakeholders.

Wisr Ltd. Announces Proposed Securities Issue to Bolster Growth
Nov 7, 2025

Wisr Ltd. has announced a proposed issue of securities, which includes a securities purchase plan and a placement. The company plans to issue a total of 366,385,910 ordinary fully paid securities, with specific dates set for the record, offer closing, and issue. This move is likely aimed at raising capital to support the company’s growth and operational strategies, potentially impacting its market positioning and offering new opportunities for stakeholders.

Wisr Ltd. Announces $11.4M Capital Raise and FY26 Guidance Upgrade
Nov 7, 2025

Wisr Ltd. has announced a capital raise of up to $11.4 million through a combination of a Placement and Share Purchase Plan, alongside an upgrade to its FY26 guidance. The capital raised will primarily be used to repay part of the company’s corporate debt, reducing the balance and providing additional working capital to support growth and product development. This move is expected to accelerate Wisr’s path to profitability, with Cash NPAT profitability anticipated in the second half of FY26. Additionally, Wisr has executed a non-binding Term Sheet to refinance its corporate debt facility, which is expected to reduce interest margins significantly, further supporting the company’s financial health and strategic growth objectives.

Wisr Limited Initiates Trading Halt Ahead of Capital Raising Announcement
Nov 5, 2025

Wisr Limited has requested a trading halt on its securities pending an announcement regarding a proposed capital raising. This move is considered material to the company, and the halt will remain until the announcement is made or normal trading resumes on 7 November 2025. The trading halt is expected to impact Wisr’s operations and market positioning, highlighting the significance of the upcoming capital raising for stakeholders.

Wisr Limited to Release Q1FY26 Market Update and Host Investor Call
Oct 22, 2025

Wisr Limited announced it will release its market update for the quarter ending 30 September 2025 on 27 October 2025. Shareholders are invited to join an investor call hosted by the CEO and CFO, with presentation materials to be lodged with the ASX. This update is part of Wisr’s ongoing efforts to engage with stakeholders and provide insights into its financial performance and strategic direction.

Wisr Ltd. Announces 2025 Annual General Meeting Details
Oct 17, 2025

Wisr Ltd. has announced its 2025 Annual General Meeting (AGM) to be held on November 25, 2025, at BDO Australia in Sydney. Shareholders are encouraged to participate either in person or by proxy, as the meeting will address important business matters affecting their shareholding. The company emphasizes the significance of shareholder votes and provides multiple methods for proxy voting to ensure participation. This meeting is crucial for stakeholders as it will discuss resolutions and provide insights into the company’s future direction.

Wisr Limited Issues New Shares to Bolster Financial Position
Sep 19, 2025

Wisr Limited has issued 9,139,785 fully paid ordinary shares without disclosure to investors, in compliance with the Corporations Act 2001. This strategic move is part of Wisr’s ongoing efforts to strengthen its financial position and enhance its market presence, potentially benefiting stakeholders by increasing the company’s capital base.

Wisr Ltd. Announces Quotation of New Securities on ASX
Sep 19, 2025

Wisr Ltd. has announced the application for quotation of 3,103,448 fully paid ordinary securities on the Australian Securities Exchange (ASX) under the code WZR. This move is part of a previously announced transaction, indicating the company’s ongoing efforts to enhance its market presence and operational capacity. The issuance of these securities could potentially impact the company’s financial structure and stakeholder interests, aligning with its strategic growth objectives.

Wisr Ltd. Announces Quotation of New Securities on ASX
Sep 19, 2025

Wisr Ltd. has announced the application for quotation of 9,139,785 ordinary fully paid securities on the Australian Securities Exchange (ASX), set to be issued on September 17, 2025. This move indicates Wisr’s strategic efforts to enhance its market presence and potentially increase its capital base, which could have significant implications for its operational growth and stakeholder value.

Wisr Ltd. Announces Quotation of New Securities on ASX
Sep 19, 2025

Wisr Ltd. has announced the quotation of 168,605 fully paid ordinary securities on the Australian Securities Exchange (ASX) under the code WZR. This issuance is in consideration for recruitment services provided by an independent third party, reflecting the company’s strategic approach to leveraging equity for operational services.

Wisr Limited Announces Departure of Director Craig Swanger
Sep 12, 2025

Wisr Limited announced that Craig Swanger has ceased to be a director of the company as of September 11, 2025. The announcement details Swanger’s direct and indirect interests in the company’s securities, including 5,516,666 shares directly held and additional shares held through indirect means. This change in the board may impact the company’s governance and strategic direction, potentially influencing stakeholder confidence and market perception.

Wisr Limited Announces Retirement of Non-Executive Director Craig Swanger
Sep 11, 2025

Wisr Limited announced the retirement of Mr. Craig Swanger from his position as a Non-Executive Director, effective September 11, 2025. Mr. Swanger, who has been with the company since 2015, has significantly contributed to Wisr’s strategic direction and growth over the past decade. His departure marks a notable change in the company’s board composition, potentially impacting its future strategic initiatives.

Wisr Limited Director Increases Shareholding
Sep 8, 2025

Wisr Limited announced a change in the director’s interest, with Director Cathryn Lyall acquiring an additional 53,000 fully paid ordinary shares through an on-market trade. This acquisition increases her total holdings to 662,673 shares, reflecting a strategic move that may indicate confidence in the company’s future prospects.

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: Oct 18, 2025