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Wisr Ltd. (AU:WZR)
:WZR
Australian Market

Wisr Ltd. (WZR) AI Stock Analysis

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AU

Wisr Ltd.

(Sydney:WZR)

Rating:44Neutral
Price Target:
AU$0.00
▼(-100.00%Downside)
Wisr Ltd.'s overall stock score is primarily impacted by its weak financial performance with ongoing net losses and high leverage. Technical indicators suggest bearish trends, and valuation metrics reflect a lack of profitability. The company needs to improve its financial stability and profitability to enhance its investment attractiveness.

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. makes money primarily through the interest earned on personal loans issued to consumers. The company generates revenue from the difference between the interest rate charged to borrowers and the cost of funds. Additionally, Wisr may earn fees related to loan origination and servicing. The company also focuses on financial wellness products, which could generate additional revenue streams through partnerships and product offerings aimed at helping consumers improve their financial well-being. Wisr's technology-driven approach allows for efficient customer acquisition and loan processing, contributing to its earnings.

Wisr Ltd. Financial Statement Overview

Summary
Wisr Ltd. is demonstrating progress in revenue growth and cash flow management. However, persistent net losses, high leverage, and low equity position it at financial risk. While operational improvements are evident, the company needs to focus on reducing debt and improving profitability to enhance financial stability and growth potential in the competitive credit services industry.
Income Statement
45
Neutral
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
40
Negative
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
50
Neutral
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
TTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
58.80M92.12M91.86M59.39M27.23M7.17M
Gross Profit
47.27M71.27M64.32M34.88M9.43M-4.36M
EBIT
23.75M43.99M33.00M17.57K-10.37M-22.73M
EBITDA
46.65M47.18M33.88M-219.64K-9.81M-22.50M
Net Income Common Stockholders
-9.19M-8.19M-13.15M-19.90M-17.64M-23.53M
Balance SheetCash, Cash Equivalents and Short-Term Investments
51.92M62.36M53.58M71.52M92.51M38.09M
Total Assets
813.98M838.47M1.00B868.07M471.43M125.96M
Total Debt
768.78M787.83M931.50M783.49M394.36M86.71M
Net Debt
716.86M725.46M877.92M711.96M301.85M48.62M
Total Liabilities
776.01M790.48M934.07M790.23M399.18M89.99M
Stockholders Equity
37.97M47.99M68.01M77.85M72.26M35.97M
Cash FlowFree Cash Flow
15.65M17.90M1.94M-5.25M-8.29M-12.81M
Operating Cash Flow
15.71M17.94M6.25M-2.58M-7.98M-12.81M
Investing Cash Flow
68.16M137.49M-168.67M-406.36M-294.36M-82.56M
Financing Cash Flow
-108.69M-146.64M144.51M388.01M356.78M121.35M

Wisr Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.03
Price Trends
50DMA
0.03
Positive
100DMA
0.03
Negative
200DMA
0.03
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
51.76
Neutral
STOCH
44.44
Neutral
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 below the 200-day MA of 0.03, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 51.76 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:WZR.

Wisr Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AUAFG
74
Outperform
AU$617.35M20.3515.01%3.42%9.49%-0.36%
64
Neutral
$12.77B9.777.59%16985.66%12.31%-7.69%
AULFS
47
Neutral
AU$1.15B53.612.49%2.70%11.26%
AUWZR
44
Neutral
AU$37.66M-20.13%-5.95%-9.84%
DEF5L
€125.95M5.717.81%6.20%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:WZR
Wisr Ltd.
0.03
-0.01
-25.00%
DE:F5L
Humm Group Limited
0.24
0.00
0.00%
AU:AFG
Australian Finance Group Ltd.
2.20
0.84
61.76%
AU:LFS
Latitude Group Holdings Ltd.
1.12
>-0.01
-0.88%

Wisr Ltd. Corporate Events

Wisr Expands Loan Capacity with $267M Warehouse Facility
May 26, 2025

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
May 20, 2025

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
May 12, 2025

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
May 8, 2025

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
Apr 30, 2025

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.

Wisr Limited Announces Registry Office Relocation
Apr 11, 2025

Wisr Limited has announced a change in the address of its registry office in Sydney, effective from April 14, 2025. This relocation is part of the company’s operational updates, with the new address being at Liberty Place, Level 41, 161 Castlereagh St, Sydney. The move is not expected to impact telephone numbers or postal addresses, ensuring continuity for stakeholders.

Wisr Ltd. Announces Cessation of Over 1.4 Million Performance Rights
Apr 11, 2025

Wisr Ltd. announced the cessation of a significant number of performance rights, totaling over 1.4 million, due to unmet conditions. This development may impact the company’s capital structure and reflects on its operational challenges in meeting certain performance criteria, potentially affecting stakeholder confidence.

Wisr Ltd. Announces Change in Substantial Holder Interests
Apr 10, 2025

Wisr Ltd. has announced a change in the interests of a substantial holder, Acorn Capital Limited, which serves as an investment manager for various superannuation funds, institutional investor portfolios, and unit trusts. The change involves an increase in voting power from 7.57% to 8.58%, indicating a significant shift in the company’s shareholder structure. This adjustment in voting power could influence future company decisions and reflects Acorn Capital’s growing influence within Wisr Ltd.

Wisr Ltd. Announces Quotation of New Securities on ASX
Mar 12, 2025

Wisr Ltd. has announced the quotation of 2,990,335 fully paid ordinary securities on the Australian Securities Exchange (ASX) under the code WZR. This move is part of the company’s strategy to enhance its market presence and provide more liquidity to its shareholders, potentially impacting its operational capabilities and positioning in the fintech industry.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.