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Raiz Invest Ltd. (RZI) AI Stock Analysis
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Raiz Invest Ltd.
(ASX:RZI)
The score is driven primarily by improving fundamentals and a strong, low-leverage balance sheet, supporting financial stability and a turnaround narrative. This is tempered by weak technicals (price below key moving averages and negative MACD) and some uncertainty around cash flow consistency, while valuation looks reasonable but lacks dividend support.
Raiz Invest Ltd. (RZI) vs. iShares MSCI Australia ETF (EWA)
- Market Cap
- AUD 44.26M
- Dividend Yield
- ―
- Average Volume (3M)
- 191.41K
- Price to Earnings (P/E)
- 12.5
- Beta (1Y)
- 1.42
- Revenue Growth
- 21.42%
- EPS Growth
- ―
- Country
- Australia
- Employees
- 42
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Investment - Banking & Investment Services
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 various...
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 or...
Raiz Invest Ltd. Financial Statement Overview
Summary
Strong balance sheet (low leverage and solid equity base) and a clear turnaround in profitability with steady revenue growth. Offsetting this, earnings and free cash flow have been volatile historically, and free cash flow was reported as zero in the latest year, reducing confidence in consistency.
Income Statement
68PositiveBalance Sheet
82Very PositiveCash Flow
61Positive| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.22M | 29.22M | 24.07M | 21.66M | 19.17M | 19.34M |
| Gross Profit | 22.68M | 22.68M | 17.89M | 20.55M | 16.07M | 16.03M |
| EBITDA | 3.78M | 3.78M | 2.39M | 524.00K | -3.15M | -7.66M |
| Net Income | 3.54M | 3.54M | -310.00K | -1.87M | -6.90M | -9.63M |
Balance Sheet | ||||||
| Total Assets | 53.88M | 53.88M | 47.48M | 42.88M | 44.75M | 54.19M |
| Cash, Cash Equivalents and Short-Term Investments | 15.97M | 15.97M | 13.62M | 9.90M | 9.13M | 16.14M |
| Total Debt | 2.04M | 2.04M | 1.33M | 1.11M | 784.00K | 1.34M |
| Total Liabilities | 9.30M | 9.30M | 7.38M | 6.52M | 6.17M | 8.16M |
| Stockholders Equity | 44.58M | 44.58M | 40.10M | 37.99M | 41.44M | 47.95M |
Cash Flow | ||||||
| Free Cash Flow | 5.14M | 0 | 2.72M | 342.00K | -6.62M | -5.79M |
| Operating Cash Flow | 5.14M | 5.14M | 2.72M | 3.61M | -3.00M | -2.76M |
| Investing Cash Flow | -2.48M | -2.48M | -3.13M | -3.27M | -3.62M | -3.03M |
| Financing Cash Flow | -287.00K | -287.00K | 3.70M | 951.00K | -488.00K | 2.09M |
Raiz Invest Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:RZI, the sentiment is Neutral. The current price of 0.42 is above the 20-day moving average (MA) of 0.39, below the 50-day MA of 0.50, and below the 200-day MA of 0.56, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 50.43 is Neutral, neither overbought nor oversold. The STOCH value of 77.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:RZI.
Raiz Invest Ltd. Peers Comparison
Overall Rating
AU:CPU75Outperform
AU:PPS64Neutral
AU:MQG62Neutral- AU:RZI61Neutral
AU:NWL56Neutral
AU:FNX38Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AU:CPU | 75Outperform | AUD 25.01B | 28.70 | 27.34% | 2.78% | 0.11% | -2.37% |
| AU:PPS | 64Neutral | AUD 280.30M | 41.67 | 5.79% | 4.35% | 7.20% | -51.06% |
| AU:MQG | 62Neutral | AUD 92.90B | 19.75 | 13.72% | 2.77% | 4.80% | 30.56% |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| AU:RZI | 61Neutral | AUD 44.26M | 12.50 | 8.01% | ― | 21.42% | ― |
| AU:NWL | 56Neutral | AUD 4.44B | 71.88 | 38.95% | 2.33% | 21.01% | -48.10% |
| AU:FNX | 38Underperform | AUD 11.21M | -3.44 | -19.59% | ― | ― | ― |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AU:RZI | Raiz Invest Ltd. | 0.42 | -0.50 | -54.10% | |
| AU:CPU | Computershare Limited | 43.24 | 7.98 | 22.63% | |
| AU:MQG | Macquarie Group Limited | 252.44 | 40.34 | 19.02% | |
| AU:PPS | Praemium Ltd | 0.57 | -0.30 | -34.44% | |
| AU:NWL | Netwealth Group Ltd. | 18.05 | -12.18 | -40.30% | |
| AU:FNX | Finexia Financial Group Ltd | 0.18 | 0.04 | 28.57% |
Raiz Invest Ltd. Corporate Events
Raiz Invest Bolsters Governance With New Company Secretary
Raiz Invest has appointed Ms Sonya Tissera of Vistra Corporate Services as company secretary, effective 23 October 2026, strengthening its governance framework as an ASX-listed fintech. Tissera, a Fellow of the Governance Institute of Australia with...
Raiz Invest Seeks Trading Halt Ahead of Operational and Regulatory Update
Raiz Invest has requested a halt in trading of its securities on the ASX as it prepares to release an announcement concerning material operational and regulatory reporting matters. The company said the halt is needed to manage its continuous disclosu...
Raiz Invest Begins Board Transition as Director Paul Rogan Resigns
Raiz Invest has announced the resignation of non-executive director Paul Rogan from its board, effective 30 October 2026, as he focuses on expanding leadership roles at other companies including Smartgroup, IDP Education and Household Capital. Chair...
Raiz Invest Sets Date and Director Nomination Deadline for 2026 AGM
Raiz Invest has scheduled its 2026 Annual General Meeting (AGM) for 18 November 2026 at 11:00 a.m., to be conducted as a hybrid event with both in-person and online participation options for shareholders. The company has set 29 September 2026, at 5:0...
Raiz Invest strengthens market position with top-ranked super performance and rising FUM
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 Super...
Raiz Invest swings to profit as revenue climbs and margins improve
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 dou...
Raiz Invest outlines board charter and governance practices
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 respon...
Raiz Invest files updated ASX corporate governance statement for 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 Raiz f...
Raiz Invest Sets Late-August Release for FY26 Results and Investor Webinar
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 for...
Raiz Invest Posts Strong FY26 Growth and Tops Superannuation Rankings
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 adoption o...
Raiz Invest lifts customers and FUM as super product tops rankings
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, sup...
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 30, 2026