Want to see AU:SVR full AI Analyst Report?
Top Page
Money3 Corporation Limited
(Sydney:SVR)
Select Model
Select Model
Rating:64Neutral
Price Target:
AU$1.50
â–¼(-11.24% Downside)
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
Money3’s focus on collateralised car, personal and small-business lending can reduce loss severity when borrowers default, compared with unsecured credit. This asset-backed model supports recoveries and provides a structural risk-management advantage while the company grows its loan book.
Negative Factors
Rising leverage
Debt has grown materially faster than equity, leaving Money3 more dependent on borrowed funding to support asset growth. Leverage near 2.1x reduces financial flexibility, increases exposure to funding pressure and may limit the company’s ability to absorb weaker credit performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured lending model
Money3’s focus on collateralised car, personal and small-business lending can reduce loss severity when borrowers default, compared with unsecured credit. This asset-backed model supports recoveries and provides a structural risk-management advantage while the company grows its loan book.
Read all positive factors
Money3 Corporation Limited (SVR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$260.96M
Dividend Yield8.6%
Average Volume (3M)268.78K
Price to Earnings (P/E)9.0
Beta (1Y)0.91
Revenue Growth-6.45%
EPS Growth-0.06%
CountryAU
Employees350
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.15
Shares Outstanding187,067,120
10 Day Avg. Volume179,424
30 Day Avg. Volume268,780
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
1.49
Negative
1.48
Negative
1.51
Negative
Market Momentum
-0.02
Negative
42.87
Neutral
48.86
Neutral
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 1.41, above the 50-day MA of 1.49, and above the 200-day MA of 1.51, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 42.87 is Neutral, neither overbought nor oversold. The STOCH value of 48.86 is Neutral, 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$260.96M | 9.01 | 8.80% | 8.60% | -6.45% | -0.06% | |
60 Neutral | AU$784.17M | 7.27 | 12.29% | 8.60% | -0.65% | 8.02% | |
58 Neutral | AU$138.30M | 9.38 | 20.23% | ― | 20.39% | -42.91% | |
56 Neutral | AU$1.02B | 7.17 | 12.12% | 14.61% | -3.49% | 7.16% | |
52 Neutral | AU$47.51M | -1.17 | -41.92% | ― | 28.46% | 40.67% | |
50 Neutral | AU$847.38M | 7.76 | 8.74% | 12.88% | 4.20% | 85.51% |
* Financial Sector Average
AU:SVR
Money3 Corporation Limited
1.40
>-0.01
-0.29%
AU:PLT
Plenti Group Ltd.
0.75
-0.65
-46.43%
AU:PPM
Pepper Money Ltd
1.75
-0.33
-15.86%
AU:LFS
Latitude Group Holdings Ltd.
0.82
-0.16
-16.75%
AU:MME
MoneyMe Ltd.
0.06
-0.05
-47.27%
AU:LFG
Liberty Financial Group Ltd
3.37
-0.17
-4.91%
Money3 Corporation Limited Corporate Events
Solvar Seeks ASX Quotation for New Employee Incentive Shares
Oct 29, 2026
Solvar Limited has applied for the quotation of 3,575 ordinary fully paid shares on the ASX, issued under its employee incentive scheme and dated October 29, 2026. The modest size of this equity issuance signals a routine expansion of the company&...
Solvar Issues New Performance Rights Under Employee Incentive Plan
Oct 29, 2026
Solvar Limited, an ASX-listed financial services provider trading under the ticker SVR, uses unquoted equity instruments such as performance rights within its employee incentive framework. These schemes are designed to tie executive and staff rewa...
Solvar outlines FY26 results and outlook at investor conference
Oct 20, 2026
Solvar, the rebranded identity of Money3 Corporation Limited, is a financial services provider specialising in lending and credit offerings to consumers and businesses. The company positions itself by engaging investors with structured updates on ...
Solvar Director Scott Baldwin Lifts Indirect Stake With On-Market Share Purchase
Oct 12, 2026
Solvar Limited has disclosed a change in the interests of director Scott Baldwin, detailing both his direct and indirect holdings in company securities. The filing confirms Baldwin’s exposure through performance rights and shareholdings held...
Solvar Director Scott Baldwin Increases Indirect Shareholding via On-Market Trades
Sep 15, 2026
Solvar Limited has disclosed a change in the interests of director Scott Baldwin, detailing adjustments to his indirect holdings in the company’s ordinary shares. Baldwin’s interests are held both directly and through entities Baldwin ...
Solvar Director Increases Indirect Shareholding Through On-Market Purchase
Sep 14, 2026
Solvar Limited has disclosed a change in the shareholding of director Stuart Robertson, who increased his indirect interest in the company through Deluzo Investments Pty Ltd. The transaction involved an on-market purchase of 65,000 ordinary shares...
Solvar Director Scott Baldwin Increases Indirect Shareholding
Sep 13, 2026
Solvar Limited has disclosed a change in director Scott Baldwin’s interests in company securities, in line with ASX listing rule requirements for director shareholdings. The update details both his direct and indirect holdings, including sta...
Solvar sets November date for 2026 AGM as it maintains lead in specialist finance
Sep 1, 2026
Solvar Limited has announced that its 2026 Annual General Meeting will be held on 18 November 2026 at 11:00am AEDT, with 16 September 2026 set as the closing date for director nomination submissions. The forthcoming Notice of Meeting, expected in ...
Solvar Director Scott Baldwin Adjusts Equity Holdings
Aug 28, 2026
Solvar Limited has reported a change in the interests of director Scott Baldwin, reflecting adjustments in his holdings of ordinary shares and performance rights. Baldwin acquired 132,041 ordinary shares through the vesting and exercise of perform...
Solvar Performance Rights Lapse Clarifies Capital Structure
Aug 27, 2026
Solvar Limited has reported the lapse of 1,440,667 performance rights, designated as SVRAL, after the conditions attached to these equity incentives were not met or became incapable of being satisfied as of 27 August 2026. The cessation of these r...
Solvar boosts ASX free float with new share quotation
Aug 27, 2026
Solvar Limited, listed on the ASX under SVR, operates in the financial services sector providing lending and credit solutions to consumers and small businesses. The company targets niche non‑bank lending markets, using technology‑drive...
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...
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.