Wisr Ltd. (WZR) AI Stock Analysis

• Market Cap: AU$36.27M
• Dividend Yield: N/A
• Average Volume (3M): 2.20M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.69
• Revenue Growth: -5.95%
• EPS Growth: -9.84%
• Country: AU
• Employees: 52
• Sector: Financial
• Sector Strength: 79
• Industry: Financial - Credit Services
• EPS (TTM): >-0.01
• Shares Outstanding: 1,394,942,300
• 10 Day Avg. Volume: 1,153,657
• 30 Day Avg. Volume: 2,201,256
• PEG Ratio: 0.11
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 25.12
• 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: 45 Neutral
• Price Target: AU$0.00 ▼(-100.00%Downside)

The overall stock score reflects significant financial risks due to high leverage and ongoing losses. While there are signs of operational improvement, these are counterbalanced by technical indicators suggesting neutral momentum and challenging valuation metrics. The company's focus should be on enhancing profitability and financial stability.

Wisr Ltd. Business Overview & Revenue Model

Company Description

Wisr Ltd. (WZR) is an Australian-based financial technology company operating in the personal lending sector. The company offers a range of personal loans and financial wellness products aimed at helping consumers manage their financial health. Wisr leverages technology to provide a seamless online lending experience, and its platform is designed to simplify the borrowing process for users.

How the Company Makes Money

Wisr 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 showing progress in revenue growth and cash flow management; however, persistent net losses, high leverage, and a low equity position present financial risks. Operational improvements are evident, but the company must focus on reducing debt and improving profitability.

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	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	58.80M	92.12M	91.86M	59.39M	27.23M	7.17M
Gross Profit	47.27M	71.27M	64.32M	34.88M	9.43M	-4.36M
EBITDA	46.65M	47.18M	33.88M	-219.64K	-9.81M	-22.50M
Net Income	-9.19M	-8.19M	-13.15M	-19.90M	-17.64M	-23.53M
Balance Sheet
Total Assets	813.98M	838.47M	1.00B	868.07M	471.43M	125.96M
Cash, Cash Equivalents and Short-Term Investments	51.92M	62.36M	53.58M	71.52M	92.51M	38.09M
Total Debt	768.78M	787.83M	931.50M	783.49M	394.36M	86.71M
Total Liabilities	776.01M	790.48M	934.07M	790.23M	399.18M	89.99M
Stockholders Equity	37.97M	47.99M	68.01M	77.85M	72.26M	35.97M
Cash Flow
Free Cash Flow	15.65M	17.90M	1.94M	-5.25M	-8.29M	-12.81M
Operating Cash Flow	15.71M	17.94M	6.25M	-2.58M	-7.98M	-12.81M
Investing Cash Flow	68.16M	137.49M	-168.67M	-406.36M	-294.36M	-82.56M
Financing Cash Flow	-108.69M	-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: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 51.84 is Neutral, neither overbought nor oversold. The STOCH value of 55.56 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AFG	74 Outperform	AU$606.52M	20.35	15.01%	3.47%	9.49%	-0.36%
Sector *	62 Neutral	AU$9.98B	8.06	10.79%	5.20%	31.01%	38.31%
HUM	57 Neutral	€283.15M	8.42	7.81%	4.50%	16.13%	―
LFS	46 Neutral	AU$1.17B	54.09	2.49%	4.17%	11.26%	―
WZR	45 Neutral	AU$36.27M	―	-20.13%	―	-5.95%	-9.84%

Wisr Ltd. Corporate Events

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.

Wisr Limited Announces Registry Office Relocation

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

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

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.