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Raiz Invest Ltd. (DE:5HK)
:5HK

Raiz Invest Ltd. (5HK) AI Stock Analysis

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Raiz Invest Ltd. (5HK) vs. iShares MSCI Germany ETF (EWG)

Raiz Invest Ltd. Business Overview & Revenue Model

Company DescriptionRaiz Invest Limited provides financial services and products through its mobile micro-investing platform in Australia, Indonesia, and Malaysia. The company operates through two segments, Raiz Invest Micro-Investing Platform and Other Financial segments. Its platform offers customers a way to invest money using the Raiz mobile application or through the Raiz Website. The company was incorporated in 2016 and is based in Sydney, Australia.
How the Company Makes Money

Raiz Invest Ltd. Financial Statement Overview

Summary
Raiz Invest Ltd. shows positive revenue growth and cash flow improvements. However, profitability remains a challenge with a negative net profit margin, despite improvement. The balance sheet is strong with low leverage and high equity, suggesting financial stability. Overall, the company demonstrates potential for future performance but needs to improve profitability.
Income Statement
55
Neutral
Raiz Invest Ltd. has shown a positive trend in revenue growth, increasing from $19.2 million in 2023 to $22.6 million in 2024, representing a growth rate of approximately 17.9%. The gross profit margin for 2024 is strong at 75.4%, indicating efficient cost management. However, the company continues to face challenges with profitability, as evidenced by a negative net profit margin of -8.3% in 2024, though this is an improvement from -35.9% in 2023. The EBIT and EBITDA margins are low at 2.3%, suggesting operational challenges, but there is a positive trajectory compared to previous years.
Balance Sheet
65
Positive
The company's balance sheet shows a solid equity position with a debt-to-equity ratio of 0.03, indicating minimal leverage. The equity ratio is high at 88.6%, reflecting a strong capital structure. However, the return on equity (ROE) remains negative at -4.9% due to persistent net losses, though this is an improvement over prior years. Overall, the balance sheet is stable, with low debt levels and significant equity.
Cash Flow
60
Neutral
Raiz Invest Ltd. has improved its cash flow position, with operating cash flow turning positive at $3.6 million in 2024 from -$3 million in 2023. Free cash flow is also positive at $342,000, showing a significant recovery. The operating cash flow to net income ratio is favorable, indicating strong cash generation relative to reported losses. Despite these improvements, the company has yet to achieve consistent free cash flow growth.
Breakdown
TTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
23.23M22.60M19.17M19.34M13.97M10.29M
Gross Profit
19.13M17.05M16.07M16.03M11.23M7.82M
EBIT
1.80M524.00K-7.88M-10.97M-4.64M-4.73M
EBITDA
1.53M524.00K-3.15M-7.66M-1.95M-2.31M
Net Income Common Stockholders
-948.00K-1.87M-6.90M-9.63M-3.52M-4.53M
Balance SheetCash, Cash Equivalents and Short-Term Investments
12.77M10.25M13.19M22.09M19.67M13.39M
Total Assets
46.71M42.88M44.75M54.19M42.04M35.59M
Total Debt
1.43M1.11M637.00K1.34M705.00K800.00K
Net Debt
-10.61M-8.62M-7.81M-14.20M-18.49M-12.10M
Total Liabilities
7.59M6.52M6.17M8.16M4.80M3.85M
Stockholders Equity
39.12M37.99M41.44M47.95M38.25M31.40M
Cash FlowFree Cash Flow
1.33M342.00K-6.62M-5.79M-2.57M-2.86M
Operating Cash Flow
2.79M3.61M-3.00M-2.76M-604.00K-1.06M
Investing Cash Flow
-1.68M-3.27M-3.40M-2.39M-2.06M644.00K
Financing Cash Flow
3.88M951.00K-706.00K1.45M9.16M6.50M

Raiz Invest 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
DE5HK
€35.15M-0.11%
64
Neutral
$12.87B9.817.76%16985.65%12.28%-7.83%
$197.54M-19.32%
$284.94M34.657.22%
$25.33M-43.63%
$18.87B139.6812.98%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:5HK
Raiz Invest Ltd.
0.31
0.11
55.00%
APPEF
Appen Ltd.
0.76
0.40
111.11%
EMCHF
EML Payments
0.70
0.08
12.90%
SPHRF
Starpharma Holdings Limited
0.07
0.00
0.00%
XROLF
Xero Limited
123.22
38.90
46.13%
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.