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Raiz Invest Ltd.
(Sydney:RZI)
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Rating:69Neutral
Price Target:
AU$0.70
▲(19.83% Upside)
Action:Reiterated
Date:08/28/26
The score is driven primarily by improving financial performance (profitability turnaround and a strong, low-debt balance sheet). Technicals add support via positive momentum with the price above key short-to-mid-term moving averages, though the 200-day level still caps confidence in the longer-term trend. Valuation is reasonable at ~15x earnings but lacks dividend support based on the data provided.
Positive Factors
Revenue Growth and Profit Turnaround
Sustained revenue growth alongside a move from multi-year losses to 2026 profitability indicates improving customer scale and operating leverage. If maintained, this can strengthen the platform’s earnings base over the next several quarters.
Negative Factors
Inconsistent Free Cash Flow
Despite better operating cash flow, uneven free-cash-flow conversion makes the company’s underlying cash surplus difficult to forecast. Variability from investment spending or working capital could constrain reinvestment and weaken confidence in earnings quality.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profit Turnaround
Sustained revenue growth alongside a move from multi-year losses to 2026 profitability indicates improving customer scale and operating leverage. If maintained, this can strengthen the platform’s earnings base over the next several quarters.
Read all positive factors
Raiz Invest Ltd. (RZI) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$62.71M
Dividend YieldN/A
Average Volume (3M)62.68K
Price to Earnings (P/E)17.4
Beta (1Y)1.24
Revenue Growth21.42%
EPS GrowthN/A
CountryAU
Employees42
SectorTechnology
Sector Strength88
IndustryInvestment - Banking & Investment Services
Share Statistics
EPS (TTM)0.04
Shares Outstanding105,390,010
10 Day Avg. Volume61,822
30 Day Avg. Volume62,683
Financial Highlights & Ratios
PEG Ratio-0.02
Price to Book (P/B)1.25
Price to Sales (P/S)1.91
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.02
Revenue Forecast (FY)AU$31.30M
Raiz Invest Ltd. Business Overview & Revenue Model
Company Description
Raiz Invest Limited provides financial services and products through its mobile micro investing platform in Australia. Its platform enables customers to save and invest money through the Raiz mobile application and website. The company offers vari...
How the Company Makes Money
Raiz Invest Ltd. primarily makes money by charging fees to customers for access to and use of its investment platform and managed investment portfolios. Its core revenue stream is customer fee income (typically structured as account/administration...
Raiz Invest Ltd. Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
82
Very Positive
Cash Flow
61
Positive
| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 26.84M | 29.22M | 24.07M | 21.66M | 19.17M | 19.34M |
| Gross Profit | 20.66M | 22.68M | 17.89M | 20.55M | 16.07M | 16.03M |
| EBITDA | 4.61M | 3.78M | 134.00K | 524.00K | -3.15M | -7.66M |
| Net Income | 4.40M | 3.54M | -310.00K | -1.87M | -6.90M | -9.63M |
Balance Sheet | ||||||
| Total Assets | 50.57M | 53.88M | 47.48M | 42.88M | 44.75M | 54.19M |
| Cash, Cash Equivalents and Short-Term Investments | 13.97M | 15.97M | 13.62M | 9.90M | 9.13M | 16.14M |
| Total Debt | 2.21M | 2.04M | 1.33M | 1.11M | 784.00K | 1.34M |
| Total Liabilities | 6.78M | 9.30M | 7.38M | 6.52M | 6.17M | 8.16M |
| Stockholders Equity | 43.79M | 44.58M | 40.10M | 37.99M | 41.44M | 47.95M |
Cash Flow | ||||||
| Free Cash Flow | 4.76M | 0.00 | 2.72M | 342.00K | -6.62M | -5.79M |
| Operating Cash Flow | 4.76M | 5.14M | 2.72M | 3.61M | -3.00M | -2.76M |
| Investing Cash Flow | -2.76M | -2.48M | -3.13M | -3.27M | -3.62M | -3.03M |
| Financing Cash Flow | -46.00K | -287.00K | 3.70M | 951.00K | -488.00K | 2.09M |
Raiz Invest Ltd. Technical Analysis
Negative
0.58
Price Trends
0.57
Positive
0.57
Positive
0.62
Negative
Market Momentum
0.01
Positive
49.24
Neutral
25.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:RZI, the sentiment is Negative. The current price of 0.58 is below the 20-day moving average (MA) of 0.61, above the 50-day MA of 0.57, and below the 200-day MA of 0.62, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 49.24 is Neutral, neither overbought nor oversold. The STOCH value of 25.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:RZI.
Raiz Invest Ltd. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | AU$22.86B | 26.38 | 27.34% | 3.10% | 0.11% | -2.37% | |
69 Neutral | AU$62.71M | 17.41 | 8.01% | ― | 21.42% | ― | |
62 Neutral | AU$91.94B | 19.42 | 13.72% | 2.84% | 4.80% | 30.56% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
60 Neutral | AU$294.92M | 42.03 | 5.79% | 4.24% | 7.20% | -51.06% | |
58 Neutral | AU$5.02B | 79.17 | 38.95% | 2.10% | 21.01% | -48.10% | |
38 Underperform | AU$11.21M | -3.44 | -19.59% | 2.17% | ― | ― |
* Technology Sector Average
AU:RZI
Raiz Invest Ltd.
0.59
-0.15
-19.73%
AU:CPU
Computershare Limited
38.72
3.76
10.75%
AU:MQG
Macquarie Group Limited
246.86
34.82
16.42%
AU:PPS
Praemium Ltd
0.59
-0.16
-21.44%
AU:NWL
Netwealth Group Ltd.
20.00
-11.11
-35.71%
AU:FNX
Finexia Financial Group Ltd
0.18
0.04
28.57%
Raiz Invest Ltd. Corporate Events
Raiz Invest strengthens market position with top-ranked super performance and rising FUM
Aug 27, 2026
Raiz Invest reported 351,362 active customers and $2.32 billion in funds under management as at 30 June 2026, underscoring its growing presence in Australia’s retail wealth sector. The company’s superannuation offering, Raiz Invest Sup...
Raiz Invest swings to profit as revenue climbs and margins improve
Aug 27, 2026
Raiz Invest reported a sharp improvement in its 2026 financial performance, with revenue from ordinary activities rising 21.4% to $29.2 million and net profit after tax swinging to $3.5 million from a loss a year earlier. Underlying EBITDA nearly ...
Raiz Invest outlines board charter and governance practices
Aug 27, 2026
Raiz Invest Limited has detailed its current corporate governance framework, affirming alignment with the ASX Corporate Governance Council’s latest principles and recommendations. The board operates under a formal charter that delineates res...
Raiz Invest files updated ASX corporate governance statement for 2026
Aug 27, 2026
Raiz Invest Ltd. has lodged its corporate governance statement for the year ended 30 June 2026 with the ASX, confirming it is available on the company’s website and current as of 27 August 2026. The statement outlines the extent to which Rai...
Raiz Invest Sets Late-August Release for FY26 Results and Investor Webinar
Aug 20, 2026
Raiz Invest Limited will release its financial results for the year ended 30 June 2026 on 27 August, signaling an upcoming update on performance and strategic outlook. Management will host a detailed FY26 results webinar on 28 August, including a ...
Raiz Invest Posts Strong FY26 Growth and Tops Superannuation Rankings
Aug 7, 2026
Raiz Invest reported 351,362 active customers and $2.32 billion in funds under management as at 30 June 2026, underscoring strong growth in its retail-focused wealth platform. The company’s user base and asset scale highlight growing adoptio...
Raiz Invest lifts customers and FUM as super product tops rankings
Jul 30, 2026
Raiz Invest reported continued momentum in its Q4 FY26 update, highlighting 6.7% year-on-year growth in active customers to 351,362 and a 27.5% increase in funds under management to $2.32 billion. Annualised revenue per user rose 12.5% to $86.86, ...
Raiz Invest Discloses Final Interests of Departing Director Brendan Malone
Jul 2, 2026
Raiz Invest Limited, a fintech player in digital wealth management, provides app‑driven micro‑investment and portfolio services aimed at retail investors looking for low‑cost, automated exposure to diversified portfolios. The fir...
Raiz Invest Issues Retention Performance Rights Under Employee Incentive Scheme
Jun 30, 2026
Raiz Invest Limited has issued 658,074 retention performance rights under its employee incentive scheme, with the new unquoted securities subject to transfer restrictions until those restrictions lapse. The issuance underscores the company’s...
Raiz Invest Issues New Unquoted Performance Rights Under Staff Incentive Plan
Jun 30, 2026
Raiz Invest Ltd. has issued 433,160 unquoted performance rights under its employee incentive scheme, with the securities subject to transfer restrictions and not quoted on the ASX until those restrictions lapse. The grant underscores the company&#...
Raiz Invest Appoints New Director With No Current Shareholding
Jun 4, 2026
Raiz Invest Limited has announced the appointment of Christopher John Taylor as a director of the company, effective 1 June 2026. According to the initial director’s interest notice lodged with the ASX, Taylor holds no relevant interests in ...
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.