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Wisr Ltd.
(Sydney:WZR)
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Rating:54Neutral
Price Target:
AU$0.03
▲(3.33% Upside)
Action:Reiterated
Date:09/16/26
The score is held back primarily by elevated financial risk (very high leverage, thin equity, and continued net losses) despite improving revenue and free cash flow. Technicals are supportive with a positive trend and MACD, but the extremely high RSI indicates stretched momentum. Valuation is less compelling due to negative earnings and no stated dividend yield.
Positive Factors
Revenue Growth
Wisr has materially expanded its revenue base, indicating stronger lending activity and broader customer reach. Continued top-line growth can improve operating leverage, support investment in the digital platform, and create a larger foundation for future earnings if credit performance remains controlled.
Negative Factors
Excessive Leverage
Wisr’s debt-heavy funding structure leaves a very small equity cushion relative to its asset base. High leverage increases sensitivity to credit deterioration, funding-cost changes, and refinancing conditions, while limiting financial flexibility and raising the potential need for dilution or balance-sheet repair.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Wisr has materially expanded its revenue base, indicating stronger lending activity and broader customer reach. Continued top-line growth can improve operating leverage, support investment in the digital platform, and create a larger foundation for future earnings if credit performance remains controlled.
Read all positive factors
Wisr Ltd. (WZR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$52.89M
Dividend Yield3%
Average Volume (3M)2.42M
Price to Earnings (P/E)―
Beta (1Y)0.46
Revenue Growth18.86%
EPS Growth17.31%
CountryAU
Employees52
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding1,762,982,500
10 Day Avg. Volume3,306,474
30 Day Avg. Volume2,420,873
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)0.71
Price to Sales (P/S)0.27
P/FCF Ratio2.18
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$0.07Price Target Upside133.33% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)<0.01
Revenue Forecast (FY)AU$140.40M
Wisr Ltd. Business Overview & Revenue Model
Company Description
Wisr Limited engages in the lending business in Australia. The company provides personal, debt consolidation, car, wedding, home renovation, travel, electric vehicle, recreational, green, medical, caravan, dental, motorcycle, used car, new car, se...
How the Company Makes Money
Wisr primarily makes money through its consumer lending activities and associated fees tied to originating and managing personal loans. Key revenue streams typically include: (1) Net interest income: interest charged to borrowers on personal loans...
Wisr Ltd. Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
28
Negative
Cash Flow
62
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 108.84M | 1.58M | 92.12M | 91.86M | 59.39M |
| Gross Profit | 82.40M | -54.18M | 71.27M | 64.32M | 34.88M |
| EBITDA | 63.38M | 50.25M | 47.18M | 33.88M | -219.64K |
| Net Income | -6.71M | -7.26M | -8.19M | -13.15M | -19.90M |
Balance Sheet | |||||
| Total Assets | 1.19B | 871.41M | 838.47M | 1.00B | 868.07M |
| Cash, Cash Equivalents and Short-Term Investments | 83.91M | 43.85M | 62.36M | 53.58M | 71.52M |
| Total Debt | 1.14B | 837.53M | 787.83M | 931.50M | 783.49M |
| Total Liabilities | 1.15B | 844.69M | 790.48M | 934.07M | 790.23M |
| Stockholders Equity | 41.35M | 26.72M | 47.99M | 68.01M | 77.85M |
Cash Flow | |||||
| Free Cash Flow | 13.42M | 11.54M | 17.90M | 1.94M | -5.25M |
| Operating Cash Flow | 13.56M | 13.69M | 17.94M | 6.25M | -2.58M |
| Investing Cash Flow | -280.00M | -75.51M | 137.49M | -168.67M | -406.36M |
| Financing Cash Flow | 306.70M | 43.10M | -146.64M | 144.51M | 388.01M |
Wisr Ltd. Technical Analysis
Positive
0.03
Price Trends
0.03
Positive
0.02
Positive
0.02
Positive
Market Momentum
<0.01
Positive
99.85
Negative
66.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:WZR, the sentiment is Positive. The current price of 0.03 is below the 20-day moving average (MA) of 0.03, above the 50-day MA of 0.03, and above the 200-day MA of 0.02, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 99.85 is Negative, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:WZR.
Wisr Ltd. 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% | |
60 Neutral | AU$775.19M | 7.10 | 12.29% | 8.80% | -0.65% | 8.02% | |
58 Neutral | AU$74.16M | 7.14 | 22.86% | ― | 9.62% | 82.62% | |
58 Neutral | AU$135.53M | 9.31 | 20.23% | ― | 20.39% | -42.91% | |
54 Neutral | AU$52.89M | -6.98 | -16.10% | 3.00% | 18.86% | 17.31% | |
52 Neutral | AU$53.21M | -1.31 | -41.92% | ― | 28.46% | 40.67% | |
50 Neutral | AU$977.35M | 8.95 | 8.74% | 10.64% | 4.20% | 85.51% |
* Financial Sector Average
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
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Wisr Ltd. Corporate Events
Wisr Issues New Shares Under Disclosure Exemption, Confirms Compliance
Sep 11, 2026
Wisr Limited, an ASX-listed Australian fintech lender, operates a proprietary digital platform that combines personal loans and other credit products with financial tools designed to help consumers manage and reduce debt. The company targets Austr...
Wisr Seeks ASX Quotation for Additional Ordinary Shares
Sep 11, 2026
Wisr Ltd. has lodged an application with the ASX for quotation of 617,002 new ordinary fully paid shares, to be traded under its existing ticker WZR. The shares were issued on September 9, 2026, and the application formalises their admission to tr...
Wisr to Release 5.5 Million Escrowed Shares to Market
Sep 4, 2026
Australian fintech lender Wisr Limited has notified the market that 5,516,666 fully paid ordinary shares currently under voluntary escrow will be released on 14 September 2026. The move is made in accordance with ASX Listing Rule 3.10A and has bee...
Wisr Director Matthew Brown Boosts Shareholding via On‑Market Purchase
Sep 2, 2026
Wisr director Matthew Brown has increased his stake in the company through an on‑market purchase executed on 31 August 2026. The transaction was made via his superannuation fund, Netwealth Investments Limited, and did not involve any disposa...
Wisr Hits $1.1 Billion Loan Book and First Full Year of Cash Profit
Aug 25, 2026
Wisr Ltd. has grown its loan book to $1.1 billion as of June 2026, marking a significant scale milestone in its consumer lending operations. The company reported its first full year of Cash NPAT profitability of $1.0 million, indicating that its c...
Wisr posts first full-year cash profit as loan growth accelerates
Aug 25, 2026
Wisr has reported its first full-year Cash NPAT profit of $1.0 million for FY26, underpinned by strong loan growth and rising revenue. The lender’s loan originations surged 65% to a record $695.3 million, driving a 32% expansion in its loan ...
Wisr tops $1.1bn loan book and posts first year of cash profit
Jul 27, 2026
Wisr Ltd. reported that its loan book reached $1.1 billion as of June 2026, marking a significant milestone in scale for the non-bank lender. The company also achieved its first full year of cash NPAT profitability of $1.0 million, reflecting impr...
Wisr schedules Q4FY26 market update and investor webcast
Jul 21, 2026
Wisr Limited has announced it will release its market update for the quarter ended 30 June 2026 on 28 July 2026, underscoring ongoing disclosure to the market about its operational and financial performance. The quarterly update is a key touchpoin...
Wisr Cancels 15.7 Million Lapsed Performance Rights
Jul 10, 2026
Wisr Limited has reported the cessation of 15,709,046 performance rights on its register, following the lapse of conditional rights that could not be satisfied by the end of June 2026. The move reduces the company’s pool of potential equity-...
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.