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Money3 Corporation Limited
(Sydney:SVR)
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Rating:64Neutral
Price Target:
AU$2.00
▲(18.34% Upside)
Action:Reiterated
Date:08/20/26
The score is driven primarily by mixed financial quality: strong reported profitability and growth are offset by rising leverage and highly volatile cash flows (including negative operating/free cash flow in 2026). Valuation is a key positive with a moderate P/E and high dividend yield, while technicals are supportive but somewhat stretched due to an overbought RSI.
Positive Factors
Secured lending model
Collateralised lending can reduce loss severity when borrowers default, while interest and fee income provide recurring revenue. This model gives Money3 a durable risk-management advantage over lenders focused mainly on unsecured consumer credit.
Negative Factors
Rising leverage
Debt-funded asset growth has materially increased balance-sheet leverage while equity remained relatively stable. Higher funding obligations reduce financial flexibility and make earnings more sensitive to funding costs, credit losses and changes in loan demand.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured lending model
Collateralised lending can reduce loss severity when borrowers default, while interest and fee income provide recurring revenue. This model gives Money3 a durable risk-management advantage over lenders focused mainly on unsecured consumer credit.
Read all positive factors
Money3 Corporation Limited (SVR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$282.47M
Dividend Yield9.27%
Average Volume (3M)128.64K
Price to Earnings (P/E)9.7
Beta (1Y)0.90
Revenue Growth-6.45%
EPS Growth-0.06%
CountryAU
Employees350
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.15
Shares Outstanding187,063,550
10 Day Avg. Volume127,812
30 Day Avg. Volume128,643
Financial Highlights & Ratios
PEG Ratio1.39
Price to Book (P/B)0.86
Price to Sales (P/S)1.45
P/FCF Ratio-11.53
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.89Price Target Upside12.03% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)0.16
Revenue Forecast (FY)AU$209.73M
Money3 Corporation Limited Business Overview & Revenue Model
Company Description
Headquartered in Bundoora, Australia, and incorporated in 2005, Solvar Limited is a financial services company active in Australia and New Zealand. The firm specializes in providing comprehensive automotive and personal finance solutions. Its offe...
How the Company Makes Money
Money3 makes money primarily by earning interest and fees on the loans it originates and manages. Its key revenue stream is net interest income: it charges borrowers interest on outstanding loan balances and funds those loans using its own capital...
Money3 Corporation Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
38
Negative
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 193.44M | 4.21M | 220.75M | 209.34M | 187.88M |
| Gross Profit | 177.03M | -47.86M | 99.95M | 190.67M | 173.70M |
| EBITDA | 90.43M | 98.24M | 98.58M | 110.77M | 99.16M |
| Net Income | 29.47M | 31.42M | 17.04M | 47.63M | 51.63M |
Balance Sheet | |||||
| Total Assets | 1.03B | 961.59M | 1.02B | 1.02B | 822.17M |
| Cash, Cash Equivalents and Short-Term Investments | 119.50M | 98.94M | 152.90M | 145.87M | 122.50M |
| Total Debt | 681.90M | 588.50M | 632.94M | 618.85M | 425.83M |
| Total Liabilities | 698.35M | 607.88M | 657.24M | 638.37M | 453.25M |
| Stockholders Equity | 328.96M | 353.71M | 365.74M | 377.13M | 368.92M |
Cash Flow | |||||
| Free Cash Flow | -24.41M | 49.21M | 19.55M | -124.52M | -66.57M |
| Operating Cash Flow | -24.16M | 49.51M | 19.75M | -124.19M | -65.78M |
| Investing Cash Flow | 112.00K | -12.42M | -185.00K | -1.53M | -3.10M |
| Financing Cash Flow | 44.85M | -91.19M | -12.52M | 149.09M | 136.18M |
Money3 Corporation Limited Technical Analysis
Negative
1.69
Price Trends
1.53
Negative
1.47
Positive
1.53
Negative
Market Momentum
<0.01
Positive
41.48
Neutral
5.12
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:SVR, the sentiment is Negative. The current price of 1.69 is above the 20-day moving average (MA) of 1.59, above the 50-day MA of 1.53, and above the 200-day MA of 1.53, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 41.48 is Neutral, neither overbought nor oversold. The STOCH value of 5.12 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:SVR.
Money3 Corporation Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$282.47M | 9.69 | 8.80% | 9.27% | -6.45% | -0.06% | |
60 Neutral | AU$790.91M | 7.27 | 12.29% | 8.60% | -0.65% | 8.02% | |
58 Neutral | AU$144.29M | 9.69 | 20.23% | ― | 20.39% | -42.91% | |
56 Neutral | AU$1.01B | 6.94 | 12.12% | 15.10% | -3.49% | 7.16% | |
52 Neutral | AU$54.70M | -1.35 | -41.92% | ― | 28.46% | 40.67% | |
50 Neutral | AU$977.35M | 9.00 | 8.74% | 10.58% | 4.20% | 85.51% |
* Financial Sector Average
AU:SVR
Money3 Corporation Limited
1.50
0.10
6.91%
AU:PLT
Plenti Group Ltd.
0.78
-0.62
-44.64%
AU:PPM
Pepper Money Ltd
1.75
-0.23
-11.51%
AU:LFS
Latitude Group Holdings Ltd.
0.95
-0.11
-10.43%
AU:MME
MoneyMe Ltd.
0.07
-0.06
-46.40%
AU:LFG
Liberty Financial Group Ltd
3.26
-0.39
-10.73%
Money3 Corporation Limited Corporate Events
Solvar Highlights Alignment With ASX Corporate Governance Standards in 2026 Statement
Aug 19, 2026
Solvar Limited has released its 2026 Corporate Governance Statement, outlining the Board’s responsibility for directing and monitoring the company’s affairs and reaffirming its commitment to integrity, transparency, and accountability....
Solvar Files Updated Corporate Governance Statement and Appendix 4G with ASX
Aug 19, 2026
Solvar Limited has lodged its corporate governance statement and accompanying Appendix 4G with the ASX for the financial year ended 30 June 2026, confirming that the statement is current as of 19 August 2026 and has been approved by the board. The...
Solvar Highlights FY26 Results and Outlook in Investor Presentation
Aug 19, 2026
Solvar has released its FY26 results investor presentation, outlining the company’s financial performance for the year and providing an overview of its current outlook. The disclosure signals ongoing engagement with investors and highlights ...
Solvar boosts earnings quality and funding as Bennji scales, NZ exit completed
Aug 18, 2026
Solvar Limited reported FY26 normalised net profit after tax of $36.1 million, up 7.5%, and a 10.5% increase in its continuing loan book to $920.3 million, supported by expanded funding capacity of about $1.1 billion and a growing commercial portf...
Solvar Announces Ordinary and Special Dividends Totalling AUD 0.085 per Share
Aug 18, 2026
Solvar Limited has declared a total dividend of AUD 0.085 per ordinary fully paid share, comprising a AUD 0.06 ordinary dividend for the six months ended 30 June 2026 and a AUD 0.025 special dividend not tied to a specific reporting period. The di...
Solvar Lifts Dividends Despite FY26 Profit Decline
Aug 18, 2026
Solvar Limited reported a softer financial performance for the year ended 30 June 2026, with operating income down 6.7% to $193.4 million and net profit attributable to members falling 6.2% to $29.5 million. Net tangible assets per security also e...
Solvar to Unveil FY2026 Results in Investor Webinar
Aug 11, 2026
Solvar Limited, a leading specialist consumer and commercial finance provider in Australia and New Zealand, has built a sizeable presence in used‑vehicle finance and personal loans over more than two decades. The company has funded more than...
Solvar Cancels 2.2 Million Shares Following On‑Market Buy‑Back
Jul 2, 2026
Solvar Limited has notified the market of the cessation of 2,214,613 ordinary fully paid shares following an on‑market buy‑back completed on 2 July 2026. The reduction in issued capital underscores the company’s active capital ma...
Solvar extends on-market share buy-back with daily repurchases
Jun 30, 2026
Solvar Limited has provided an updated notification on its ongoing on-market share buy-back program, covering trades up to 1 July 2026. The company reported that it has repurchased a cumulative 24,322,599 ordinary fully paid shares prior to the mo...
Solvar lifts total on-market buy-back to nearly 24 million shares
Jun 28, 2026
Solvar Limited has reported an update to its ongoing on-market share buy-back program, confirming that it repurchased 99,000 fully paid ordinary shares on the previous trading day. This brings the total number of shares bought back under the curre...
Solvar Continues Daily On‑Market Share Buy‑Back Program
Jun 25, 2026
Solvar Limited continues its on‑market share buy‑back of ordinary fully paid shares, reporting that a total of 23,879,061 securities had been bought back before the previous day. The latest update shows an additional 10,000 shares were...
Solvar posts daily update on ongoing on‑market share buy‑back
Jun 21, 2026
Solvar Limited has continued its on‑market share buy‑back program for its ordinary fully paid shares, disclosing that a total of 23,732,382 securities had been repurchased before the most recent trading day. The company reported that a...
Solvar updates market on ongoing on‑market share buy‑back
Jun 18, 2026
Solvar Limited has provided an updated notice to the ASX on its ongoing on-market share buy-back of ordinary fully paid shares under the code SVR. The company reported that a total of 23,687,117 shares had been repurchased before the previous trad...
Solvar Updates Share Trading Policy to Strengthen Governance
May 26, 2026
Solvar Limited, a specialist consumer and commercial finance provider with a dominant position in the used‑vehicle finance market across Australia and New Zealand, has built its franchise over two decades by funding more than $2 billion in v...
Solvar Extends On-Market Share Buy-Back Period
May 24, 2026
Solvar Limited has updated the market on its on-market share buy-back program for ordinary fully paid shares, identified by ASX code SVR. The company has extended the period of the buy-back, which was initially notified in May 2024 and previously ...
Solvar renews on-market share buy-back for another year
May 24, 2026
Solvar Limited has renewed its existing on-market share buy-back program for a further 12 months, running from 3 June 2026 to 2 June 2027, as part of its capital management strategy. The company, a leading provider of specialised consumer and comm...
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.