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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$0.00
▼(-100.00% Downside)
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.

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, with 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
Positive
RSI
46.63
Neutral
STOCH
-25.00
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 Positive momentum. The RSI at 46.63 is Neutral, neither overbought nor oversold. The STOCH value of -25.00 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
73
Outperform
AU$234.15M9.3071.90%22.94%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
€96.77M17.1915.56%7.92%
65
Neutral
AU$56.68M20.003.91%3.76%-6.67%22.09%
58
Neutral
AU$100.96M14.7312.72%-0.51%
47
Neutral
AU$37.99M-26.29%8.28%84.45%
42
Neutral
AU$45.04M-19.44%-2.35%13.33%
* 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
0.91
0.54
147.95%
AU:BTN
Butn Limited
0.10
0.04
66.67%
AU:PNC
Pioneer Credit Ltd
0.64
0.04
6.67%
AU:PLT
Plenti Group Ltd.
1.50
0.74
97.37%
AU:EPY
EarlyPay Limited
0.21
0.04
23.53%

Wisr Ltd. Corporate Events

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 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
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.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

Wisr Ltd. Director Increases Shareholding
Sep 3, 2025

Wisr Ltd. has announced a change in the director’s interest notice, specifically regarding Matthew Brown’s holdings. On September 3, 2025, Matthew Brown acquired an additional 500,000 fully paid ordinary shares through an on-market trade, increasing his total holdings to 4,175,000 shares in the Alluvion Discretionary Trust. This acquisition reflects a continued commitment to the company and may signal confidence in its future prospects.

The most recent analyst rating on (AU:WZR) stock is a Buy with a A$0.07 price target. To see the full list of analyst forecasts on Wisr Ltd. stock, see the AU:WZR Stock Forecast page.

Wisr Ltd. Surpasses Loan Origination Targets with 101% Growth in FY25
Aug 26, 2025

Wisr Ltd. reported a significant 101% growth in loan originations for FY25, surpassing its guidance. The company achieved a $824M loan book and a $0.8M EBITDA profit, indicating strong financial performance and operational momentum. With the execution of a third warehouse facility with Barclays Bank, Wisr is well-positioned for continued growth in FY26. The company also improved its credit score, reduced arrears, and decreased net losses, reflecting enhanced credit management and operational efficiency.

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 Ltd. Unveils FY25 Results and Vision for Financial Empowerment
Aug 26, 2025

Wisr Ltd. has announced an update for its fiscal year 2025 results, highlighting its commitment to enhancing financial health and reducing the mental load associated with money management. The company aims to empower individuals with tools for both long and short-term financial planning, reflecting its evolved vision of enabling people to progress financially.

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 Reaffirms Commitment to Corporate Governance Excellence
Aug 26, 2025

Wisr Limited has released its Corporate Governance Statement for the financial year ending June 30, 2025, demonstrating its commitment to ethical business practices and adherence to the ASX Corporate Governance Principles. The statement outlines the company’s governance framework, including board responsibilities, management oversight, and policies designed to protect shareholder interests and promote responsible management. This announcement underscores Wisr’s dedication to maximizing performance and sustaining growth, which is crucial for maintaining stakeholder trust and enhancing its market position.

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 Reports Increased Losses Amid Revenue Decline
Aug 26, 2025

Wisr Limited reported a 2% decrease in revenues to $91.57 million for the year ending June 30, 2025. The company also experienced an 11% increase in losses from ordinary activities after tax, amounting to $7.26 million, and a 5% increase in the total loss for the year, reaching $23.08 million. No dividends were declared or paid during this period, indicating a challenging financial year for the company.

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 Updates Corporate Governance Statement
Aug 26, 2025

Wisr Limited has updated its corporate governance statement, which is now available on their website. The statement, approved by the board, outlines the company’s adherence to the ASX Corporate Governance Council’s principles and recommendations. This update reflects Wisr’s commitment to maintaining transparency and accountability in its governance practices, which is crucial for its stakeholders and market positioning.

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 Ltd. Reports Robust Loan Growth and Strategic Advancements
Jul 28, 2025

Wisr Ltd. has reported its third consecutive quarter of loan book growth, highlighting a 101% year-on-year increase in loan origination, surpassing its previous guidance of 90%. The company attributes this success to disciplined execution and investments in technology and automation, which have improved efficiency and reduced arrears. Additionally, Wisr has strengthened its financial position by executing a third warehouse facility, indicating strong capitalization for future growth.

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 Ltd. Surpasses FY25 Guidance with Robust Loan Growth
Jul 28, 2025

Wisr Ltd. reported a strong Q4FY25 performance with a significant increase in loan originations, reaching $140.3 million, marking a 154% rise from the previous year. The company exceeded its full-year guidance with a 101% growth in loan originations, driven by both personal and secured vehicle loans. Improved credit performance was noted, with a decrease in arrears and net losses, alongside a rise in revenue and portfolio yield, indicating a robust financial position and strategic success in loan origination growth.

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.

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