Wisr Ltd. (AU:WZR)
ASX:WZR
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Wisr Ltd.
(Sydney:WZR)
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Rating:41Neutral
Price Target:
AU$0.02
▼(-10.00% Downside)
Action:Reiterated
Date:05/01/26
Overall score is held down primarily by weak financial performance (severe revenue contraction, ongoing losses, and high leverage). Technicals add further pressure with a clear downtrend across key moving averages and negative MACD. Valuation offers limited support due to a negative P/E and no dividend yield data.
Positive Factors
Diversified revenue model: lending, platform fees, partnerships
Wisr’s mix of interest income, loan fees and platform/marketplace commissions provides multiple durable revenue levers. This reduces single-stream concentration, enabling cross-selling and fee diversification that can sustain revenues if one channel slows, supporting longer-term stability.
Negative Factors
High leverage and low equity base
Significant leverage with a low equity cushion raises refinancing, covenant and funding-cost risks over months. High debt amplifies earnings volatility, constrains strategic flexibility, and makes the company more dependent on external capital markets to sustain originations and growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified revenue model: lending, platform fees, partnerships
Wisr’s mix of interest income, loan fees and platform/marketplace commissions provides multiple durable revenue levers. This reduces single-stream concentration, enabling cross-selling and fee diversification that can sustain revenues if one channel slows, supporting longer-term stability.
Read all positive factors
Wisr Ltd. (WZR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$37.01M
Dividend YieldN/A
Average Volume (3M)1.32M
Price to Earnings (P/E)―
Beta (1Y)0.06
Revenue Growth7.47%
EPS Growth5.97%
CountryAU
Employees52
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding1,762,365,500
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$0.07Price Target Upside250.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)>-0.01
Revenue Forecast (FY)AU$108.45M
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 makes money primarily from (1) income earned on its loan book and (2) fees generated from its platform and distribution activities.
1) Personal lending (loan origination and lending economics)
- Interest income / net interest margin: When Wi...
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
0.02
Negative
0.03
Negative
Market Momentum
>-0.01
Negative
38.82
Neutral
>-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 0.02 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 >-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
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% | |
58 Neutral | AU$81.18M | 3.91 | 23.96% | ― | 10.39% | ― | |
56 Neutral | AU$149.41M | 9.87 | 72.15% | ― | 20.39% | -42.91% | |
53 Neutral | AU$30.64M | -179.71 | 2.15% | 4.27% | -5.15% | -9.52% | |
52 Neutral | AU$96.19M | 2.59 | 23.10% | ― | 7.36% | ― | |
41 Neutral | AU$37.01M | -2.58 | -26.13% | ― | 7.47% | 5.97% | |
38 Underperform | AU$8.01M | -3.94 | -36.66% | ― | 13.59% | 66.07% |
* Financial Sector Average
AU:WZR
Wisr Ltd.
0.02
>-0.01
-30.00%
AU:HMY
Harmoney Corp Ltd
0.79
0.16
24.60%
AU:BTN
Butn Limited
0.02
-0.08
-80.00%
AU:PNC
Pioneer Credit Ltd
0.61
0.10
21.00%
AU:PLT
Plenti Group Ltd.
0.82
-0.03
-3.53%
AU:EPY
EarlyPay Limited
0.13
-0.08
-40.48%
Wisr Ltd. Corporate Events
Wisr Prices Record $354m ABS Deal to Boost Funding Capacity and Cut Costs
May 22, 2026
Wisr has priced its sixth asset-backed securitisation, the $354 million Wisr Momentum Trust 2026-1, upsized from $300 million and marking its largest transaction to date, bringing total ABS issuance to $1.48 billion. The deal, which carries a weig...
Wisr boosts investor outreach with conference presentation and hub update
May 11, 2026
Wisr Limited has released the investor presentation being delivered by its CEO and CFO at the Shaw and Partners Small Cap Financials Conference in Sydney, highlighting the company’s engagement with the investment community. The company is di...
Wisr Director Cathryn Lyall Increases Shareholding via On-Market Purchase
May 7, 2026
Wisr Limited has disclosed a change in the shareholding of director Cathryn Lyall, who increased her direct holding in the company through an on-market trade. Lyall acquired 100,000 fully paid ordinary shares on 6 May 2026 for $2,100, lifting her ...
Wisr Lifts FY26 Loan Growth Guidance After Passing $1bn Loan Book Mark
Apr 28, 2026
Wisr has upgraded its FY26 guidance for loan origination growth to more than 50%, lifting it from a previous target of above 40% as strong year-to-date performance continues. The company also reported that it surpassed the $1 billion loan book mil...
Wisr tops $1bn loan book and lifts FY26 growth guidance
Apr 28, 2026
Wisr has surpassed a $1 billion loan book in the March quarter, with balances up 29% year on year to $1,003.4 million as record loan originations surged 68% to $186.1 million. Revenue climbed 22% to $27.4 million, supported by strong demand for bo...
Wisr sets date for Q3 FY26 market update and investor webcast
Apr 20, 2026
Wisr Limited, an Australian fintech lender listed on the ASX, provides digital lending services alongside financial management tools that aim to improve consumers’ ability to manage debt and make smarter financial decisions. The company focu...
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...
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.