View Past PerformanceSpenda バランスシートの健全性財務の健全性 基準チェック /46Spendaの総株主資本はA$11.0M 、総負債はA$5.6Mで、負債比率は50.3%となります。総資産と総負債はそれぞれA$24.3MとA$13.2Mです。主要情報50.29%負債資本比率AU$5.55m負債インタレスト・カバレッジ・レシオn/a現金AU$1.50mエクイティAU$11.04m負債合計AU$13.22m総資産AU$24.27m財務の健全性に関する最新情報分析記事 • Dec 13Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...分析記事 • Apr 12Here's Why Spenda (ASX:SPX) Can Manage Its Debt Despite Losing MoneyWarren Buffett famously said, 'Volatility is far from synonymous with risk.' When we think about how risky a company...分析記事 • Dec 02Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...分析記事 • Jun 20Is Spenda (ASX:SPX) A Risky Investment?Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...分析記事 • Mar 03Is Spenda (ASX:SPX) Using Too Much Debt?Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it seems the smart money knows that...すべての更新を表示Recent updatesBoard Change • Jun 25Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 2 non-independent directors. Non-Executive Independent Director Peter Richards was the last independent director to join the board, commencing their role in 2017. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Jun 22Spenda Limited Announces Board ChangesSpenda Limited announced the appointment of Mr. Bill Pavlovski as an Independent and Non-Executive Director of the Company. Mr. Pavlovski is an experienced Company Director and capital markets professional with over 15 years of experience across banking, stockbroking and funds management. He has served as a Non-Executive Director of an ASX and JSE dual-listed resources company, contributing to board-level decision making across strategic planning, corporate governance, equity plans and remuneration, and serving on both the Audit and Risk Committee and the Safety, Health, Environment & Technical Committee. Mr. Pavlovski's capital markets career spans institutional banking, stockbroking and investment advisory roles. He worked for a number of years at ANZ Banking Group, where he held roles in Equity Capital Markets and Commodities and Currency Options, executing transactions and developing structured investment alternatives for institutional private banking clients across equities, foreign exchange, interest rate hedging and structured products. He subsequently built on this foundation as an Investment Advisor and Fund Manager, advising high net worth clients and executing investments across equities, commodity markets, and assisting both listed and unlisted entities with capital raisings across multiple sectors within ASX small capitalisation companies. He holds a degree in Applied Economics and International Trade and is compliant with ASIC Regulatory Guide 146 (RG146) for licensing. The Company also announces the resignation of Mr. Irshad Mulla as a Director of the Company. The Board thanks Mr. Mulla for his contribution to the Company.お知らせ • Jun 10Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 8.545019 million.Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 8.545019 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 2,136,254,743 Price\Range: AUD 0.004 Discount Per Security: AUD 0.00024 Security Features: Attached Options Transaction Features: Rights Offeringお知らせ • Mar 06Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 1.4 million.Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 1.4 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 415,000,000 Price\Range: AUD 0.002 Discount Per Security: AUD 0.00012 Security Features: Attached Options Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 285,000,000 Price\Range: AUD 0.002 Discount Per Security: AUD 0.00012 Security Features: Attached Options Transaction Features: Subsequent Direct ListingReported Earnings • Mar 04First half 2026 earnings released: AU$0.001 loss per share (vs AU$0.002 loss in 1H 2025)First half 2026 results: AU$0.001 loss per share (improved from AU$0.002 loss in 1H 2025). Revenue: AU$4.19m (down 15% from 1H 2025). Net loss: AU$6.04m (loss narrowed 36% from 1H 2025). Over the last 3 years on average, earnings per share has increased by 33% per year but the company’s share price has fallen by 42% per year, which means it is significantly lagging earnings.New Risk • Feb 28New major risk - Financial positionThe company has less than a year of cash runway based on its current free cash flow trend. Free cash flow: -AU$9.7m This is considered a major risk. With less than a year's worth of cash, the company will need to raise capital or take on debt unless its cash flows improve. This would dilute existing shareholders or increase balance sheet risk. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-AU$9.7m free cash flow). Share price has been highly volatile over the past 3 months (43% average weekly change). Minor Risks Shareholders have been diluted in the past year (17% increase in shares outstanding). Market cap is less than US$100m (AU$16.3m market cap, or US$11.6m).New Risk • Jan 01New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 17% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (40% average weekly change). Earnings have declined by 5.8% per year over the past 5 years. Market cap is less than US$10m (AU$13.5m market cap, or US$9.04m). Minor Risk Shareholders have been diluted in the past year (17% increase in shares outstanding).お知らせ • Dec 10Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 1.4 million.Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 1.4 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 540,000,000 Price\Range: AUD 0.0025 Discount Per Security: AUD 0.00015 Security Features: Attached Options Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 20,000,000 Price\Range: AUD 0.0025 Discount Per Security: AUD 0.00015 Security Features: Attached Options Transaction Features: Subsequent Direct ListingNew Risk • Oct 13New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: AU$13.8m (US$9.03m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (24% average weekly change). Earnings have declined by 5.8% per year over the past 5 years. Market cap is less than US$10m (AU$13.8m market cap, or US$9.03m).Reported Earnings • Oct 05Full year 2025 earnings released: AU$0.005 loss per share (vs AU$0.003 loss in FY 2024)Full year 2025 results: AU$0.005 loss per share (further deteriorated from AU$0.003 loss in FY 2024). Revenue: AU$11.1m (up 106% from FY 2024). Net loss: AU$24.3m (loss widened 84% from FY 2024). Revenue is forecast to grow 52% p.a. on average during the next 3 years, compared to a 19% growth forecast for the IT industry in Australia. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has fallen by 29% per year, which means it is significantly lagging earnings.お知らせ • Sep 27Spenda Limited, Annual General Meeting, Nov 26, 2025Spenda Limited, Annual General Meeting, Nov 26, 2025.Reported Earnings • Aug 31Full year 2025 earnings released: AU$0.005 loss per share (vs AU$0.003 loss in FY 2024)Full year 2025 results: AU$0.005 loss per share (further deteriorated from AU$0.003 loss in FY 2024). Revenue: AU$11.1m (up 106% from FY 2024). Net loss: AU$24.3m (loss widened 84% from FY 2024). Revenue is forecast to grow 52% p.a. on average during the next 3 years, compared to a 20% growth forecast for the IT industry in Australia. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has fallen by 19% per year, which means it is significantly lagging earnings.お知らせ • Aug 20Spenda Limited announced that it expects to receive $2.2729 million in funding from Obsidian Global GP, LLCSpenda Limited announced a private placement for Convertible Loan Facility for the proceeds of $2,272,900 on August 18, 2025. The transaction involves participation of Obsidian Global GP, LLC as an investor. $1.25 Million upon execution, $500,000 available for Company to draw down. and $1.75 Million after 6 months upon mutual agreement subject to shareholder approval. The maturity is 2 years from closing and bears no Interest. After September 15, 2025, the Investor shall have right to request a placement of up to 100,000,000 shares from the company. Facility is secured by a general charge over Company, subordinated to Capricorn and conversion price is $0.015. The Company will issue 20,000,000 Options to the Investor with an exercise price of $0.0175 per Option expiring three years from the date of issue. Legal fees is to $20,000 and $50,000 paid in cash or shares at the Company’s election on the Execution Date as investment fees. Ob the same day company closed the first tranche of $974,100 ( AUD 1,500,000) matures on August 18, 2027.Board Change • May 03Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 2 highly experienced directors. 1 independent director (2 non-independent directors). Non-Executive Independent Chairman Peter Richards was the last independent director to join the board, commencing their role in 2017. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.分析記事 • Dec 13Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...お知らせ • Nov 21Spenda Limited Announces Howard Digby Steps Down as Non-Executive DirectorThe Board of Spenda Limited advised that Mr. Howard Digby, who retires by rotation at the Annual General Meeting to be held on November 21, 2024, will not seek re-election and will step down from the Board effective from the end of the AGM. Mr. Digby has been a non-executive director since 2019. At the AGM, Re-election of Howard Digby, has been withdrawn as an item of business.お知らせ • Sep 20Spenda Limited (ASX:SPX) completed the acquisition of Limepay Pty Ltd.Spenda Limited (ASX:SPX) signed a binding Share Sale Agreement to acquire Limepay Pty Ltd for AUD 8.8 million on July 16, 2024. Spenda will issue 508.27 million shares. The consideration consist of 4 tranches Spenda will issue 205 million shares as first tranches and for the second earnout consideration it will issue 59 million share and for the rest payment of AUD 4.8 it will also issue shares. The transaction is conditional upon no material adverse condition having occurred or arisen in relation to Limepay, each of the key employees entering into new employment agreements with Spenda or an entity designated by it, all necessary ASX approvals, regulatory, shareholder and other approvals being obtained in connection with the Transaction such that all required shareholder approvals have been obtained for the issue of the consideration shares, demonstration to the Company’s reasonable satisfaction that Limepay has cleared all, and as at the Completion date will have no, outstanding liabilities owing to Limepay directors, including in respect of director’s loans, director’s expenses, director’s funding interest payments due and unpaid salaries. The expected completion of the transaction is September 1, 2024 to September 30, 2024. Spenda Limited (ASX:SPX) completed the acquisition of Limepay Pty Ltd on September 20, 2024.お知らせ • Sep 13Spenda Limited, Annual General Meeting, Nov 21, 2024Spenda Limited, Annual General Meeting, Nov 21, 2024.Reported Earnings • Aug 30Full year 2024 earnings released: AU$0.003 loss per share (vs AU$0.003 loss in FY 2023)Full year 2024 results: AU$0.003 loss per share (in line with FY 2023). Net loss: AU$13.2m (loss widened 20% from FY 2023). Revenue is forecast to grow 79% p.a. on average during the next 2 years, compared to a 15% growth forecast for the IT industry in Australia. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has fallen by 49% per year, which means it is significantly lagging earnings.お知らせ • Jul 16Spenda Limited (ASX:SPX) entered into binding term sheet to acquire Limepay Pty Ltd for AUD 6.65 million.Spenda Limited (ASX:SPX) entered into binding term sheet to acquire Limepay Pty Ltd for AUD 6.65 million on July 16, 2024. The consideration consist of 4 tranches Spenda will issue 205 million shares as first tranches and for the second earnout consideration it will issue 59 million share and for the rest payment of AUD 4.8 it will also issue shares. The expected completion of the transaction is September 1, 2024 to September 30, 2024.お知らせ • May 29Spenda Limited Announces Appointment of Andrew Kearnan as A Non-Executive DirectorSpenda Limited announce the appointment of Andrew Kearnan as a Non-Executive Director of the Company. He is the nominee director of the Company's major shareholder, Capricorn Society Limited, and his appointment was fully endorsed by the Spenda Board. Mr. Kearnan is also currently a Director of Teachers Mutual Bank Limited (Deputy Chair), PetSure Australia Limited (Chair), UniMutual Limited (Chair) and Nimble Money Limited. Mr. Kearnan has held senior, executive or non-executive director positions at leading financial service sector and investment market businesses like Bank of America, Merrill Lynch, Commonwealth Bank of Australia, Hollard Insurance and RACQ. He is a past Member of the Australian Accounting Standards Board and was consistently rated as one of Australia's top equity market research analysts in the financial service sector during an 18-year investment banking career. His corporate advisory business has provided financial, strategic and capital markets advice to financial service companies across the maturity spectrum, including ASX listed companies. He is a Graduate of the AICD Company Directors course, has an MBA and an Honours degree in Science (Biochemistry).New Risk • May 29New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Australian stocks, typically moving 18% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (18% average weekly change). Earnings have declined by 32% per year over the past 5 years. Minor Risks Shareholders have been diluted in the past year (32% increase in shares outstanding). Revenue is less than US$5m (AU$4.4m revenue, or US$3.0m). Market cap is less than US$100m (AU$34.6m market cap, or US$23.0m).お知らせ • Jan 29Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 7.175 million.Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 7.175 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 592,975,206 Price\Range: AUD 0.0121 Transaction Features: Subsequent Direct Listingお知らせ • Sep 29Spenda Limited Appoints David Laird as Non-Executive and Independent DirectorSpenda Limited announced the appointment of David Laird to the Board of Directors as a Non-Executive and Independent Director of the Company. David is a seasoned Payments Industry Professional with over 25 years' experience in developing and deploying technology to solve complex client problems. As an Institutional Banker, he developed and implemented solutions for Government and many of Australia's largest companies. His experience extends to commercial, legal and technical negotiations. David is a foundation team member and shareholder in Fintech company DataMesh, who have developed and certified a cloud based Merchant Acquiring switch and proprietary android EFTPOS terminal software and are actively deploying solutions in market. Servicing a suite of Institutional clients and major Australian Banks, DataMesh works with retailers and acquirers to enhance their relationships and capabilities. Also an independent consultant, David advises on the full spectrum of Transaction Banking, including Payments (inward and outward) and Liquidity Management for major enterprises requiring specialist advice and knowledge. His experience has included senior customer facing roles at ANZ and Commonwealth Bank and the world of Fintech. Holding a degree in eCommerce, David has lectured Information Systems for Business at Deakin University's Faculty of Business and Law as part of their MBA /MPA programs.お知らせ • Sep 18Spenda Limited Launches PayFac ServicesSpenda Limited announced that following an eight-month program of works, the Company has now launched its PayFac merchant payment services. These new payment services complement and enhance the Company's existing Business-to-Business (B2B) and Business-to-Consumer (B2C) payment rails as well as the Company's current and planned future lending services. The PayFac launch unlocks improved efficiency for the Company that includes: Removing the duplicate sharing of compliance data when the Company bundles multiple service lines; The enablement of credit approval for both payments and lending in the same process (assuming customer eligibility); A reduction of Spenda's compliance costs; A reduction of Spenda's data breach risk; andA reduction in the cost of issuing and the enablement of the standardisation of Customer statements. PayFac services will be rolled out into Spenda's existing customer network as an upgrade offer while simultaneously being offered to new customer programs as a solution to reduce operating costs, increase loyalty and drive Spenda's total customer value. The Company anticipates growing the initial $1m ARR, as new implementation programs are delivered. An important point to note is that the lead time to revenue generation from these services is relatively short, therefore, the Company will update the market as it observes material increases in the run rate or sign up new customers or partner networks which lift ARR estimates to higher maintainable levels. As previously announced, existing customer networks such as Carpet Court have been or will be offered PayFac payment services. The launch of the PayFac capabilities provides Spenda and its partners with a substantial merchant acquisition and revenue opportunity that it believes will demonstrate Spenda's unparalleled competitive position as a payments company, with an ability to aggregate entire vertical markets and monetise flows from consumer to retailer all the way through to primary producer.Reported Earnings • Sep 01Full year 2023 earnings released: AU$0.003 loss per share (vs AU$0.016 loss in FY 2022)Full year 2023 results: AU$0.003 loss per share (improved from AU$0.016 loss in FY 2022). Net loss: AU$11.0m (loss narrowed 78% from FY 2022). Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 44% per year, which means it is performing significantly worse than earnings.New Risk • Aug 30New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-AU$7.4m free cash flow). Share price has been highly volatile over the past 3 months (16% average weekly change). Earnings have declined by 54% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Shareholders have been diluted in the past year (15% increase in shares outstanding). Revenue is less than US$5m (AU$2.6m revenue, or US$1.7m). Market cap is less than US$100m (AU$27.5m market cap, or US$17.9m).分析記事 • Apr 12Here's Why Spenda (ASX:SPX) Can Manage Its Debt Despite Losing MoneyWarren Buffett famously said, 'Volatility is far from synonymous with risk.' When we think about how risky a company...Reported Earnings • Mar 03First half 2023 earnings released: AU$0.002 loss per share (vs AU$0.002 loss in 1H 2022)First half 2023 results: AU$0.002 loss per share (in line with 1H 2022). Net loss: AU$5.67m (loss narrowed 5.2% from 1H 2022). Over the last 3 years on average, earnings per share has fallen by 24% per year but the company’s share price has increased by 48% per year, which means it is well ahead of earnings.分析記事 • Dec 02Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...Board Change • Nov 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 1 highly experienced director. 1 independent director (3 non-independent directors). Non-Executive Independent Chairman Peter Richards was the last independent director to join the board, commencing their role in 2017. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.お知らせ • Oct 27Spenda Limited, Annual General Meeting, Nov 25, 2022Spenda Limited, Annual General Meeting, Nov 25, 2022, at 14:00 AUS Eastern Standard Time. Location: Karstens Sydney, Level 1, 111 Harrington St, The Rocks, NSW, 2000. Sydney Australia Agenda: To receive and to consider the Annual Financial Report for the financial year ended 30 June 2022 together with the declaration of the Directors, the Directors' Report, the Remuneration Report and the Auditor's Report for that financial year; to consider the Adoption of Remuneration Report; and to discuss other matters.お知らせ • Sep 19Spenda Limited(ASX:SPX) dropped from S&P/ASX Emerging Companies IndexSpenda Limited(ASX:SPX) dropped from S&P/ASX Emerging Companies IndexReported Earnings • Sep 01Full year 2022 earnings released: AU$0.016 loss per share (vs AU$0.006 loss in FY 2021)Full year 2022 results: AU$0.016 loss per share (down from AU$0.006 loss in FY 2021). Net loss: AU$50.2m (loss widened 340% from FY 2021). Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has increased by 10% per year, which means it is tracking significantly ahead of earnings growth.分析記事 • Jun 20Is Spenda (ASX:SPX) A Risky Investment?Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 3 non-independent directors. Non-Executive Independent Chairman Peter Richards was the last independent director to join the board, commencing their role in 2017. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.分析記事 • Mar 03Is Spenda (ASX:SPX) Using Too Much Debt?Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it seems the smart money knows that...Recent Insider Transactions Derivative • Oct 09MD & Executive Director exercised options to buy AU$367k worth of stock.On the 7th of October, Adrian Floate exercised options to buy 6m shares at a strike price of around AU$0.025, costing a total of AU$161k. This transaction amounted to 2.3% of their direct individual holding at the time of the trade. Since December 2020, Adrian's direct individual holding has increased from 59.47m shares to 282.86m. Company insiders have collectively sold AU$204k more than they bought, via options and on-market transactions in the last 12 months.Reported Earnings • Sep 01Full year 2021 earnings released: AU$0.006 loss per share (vs AU$0.01 loss in FY 2020)Full year 2021 results: Net loss: AU$11.4m (loss widened 53% from FY 2020). Over the last 3 years on average, earnings per share has increased by 47% per year but the company’s share price has only increased by 40% per year, which means it is significantly lagging earnings growth.お知らせ • Jul 28Cirralto Limited completed the acquisition of Invigo Pty Ltd.Cirralto Limited (ASX:CRO) agreed to acquire Invigo Pty Ltd for AUD 7 million on July 5, 2021. Under the terms of agreement Cirralto will issue approximately 130 million shares to Invigo shareholders. Andy Hilton will join Cirralto’s Executive Leadership Team and Corrie Hassan will assume an executive managerial role within the Cirralto. The agreement can be terminated if Conditions are not satisfied or validly waived by the Cirralto by August 31, 2021. The deal is subject consummation of due diligence, approval from regulatory board, execution of employment agreement and shareholder approval. Cirralto Limited completed the acquisition of Invigo Pty Ltd on July 26, 2021. All conditions have been satisfied.お知らせ • Jul 06Cirralto Limited (ASX:CRO) agreed to acquire Invigo Pty Ltd for AUD 7 million.Cirralto Limited (ASX:CRO) agreed to acquire Invigo Pty Ltd for AUD 7 million on July 5, 2021. Under the terms of agreement Cirralto will issue approximately 130 million shares to Invigo shareholders. Andy Hilton will join Cirralto’s Executive Leadership Team and Corrie Hassan will assume an executive managerial role within the Cirralto. The agreement can be terminated if Conditions are not satisfied or validly waived by the Cirralto by August 31, 2021. The deal is subject consummation of due diligence, approval from regulatory board, execution of employment agreement and shareholder approval.お知らせ • Jun 04Cirralto Limited (ASX:CRO) completed the acquisition of Appstablishment Software Group Pty Ltd from Rare Air Nominees Pty Ltd.Cirralto Limited (ASX:CRO) entered into a binding share sale agreement to acquire Appstablishment Software Group Pty Ltd from Rare Air Nominees Pty Ltd and others for AUD 6.6 million on December 6, 2019. Cirralto Limited will issue 825 million shares as consideration for the acquisition. The transaction will bring ownership of Spenda and SYNK’D platforms to Cirralto. Upon completion of the acquisition, Appstablishment Software Group Pty Ltd’s founders, Adrian Floate and Francis DeSouza will hold approximately 38% of Cirralto Limited’s voting rights. Rare Air Nominees Pty Ltd, which is associated with Cirralto Limited’s existing Directo, Adrian Floate whose associated entities presently holds 8.5% of Cirralto Limited, holding will increase to above 20%. The due diligence work related to the transaction was funded through a private placement of 82 million new shares at an issue price of AUD 0.007 per share to raise AUD 0.574 million. The acquisition is subject to shareholder approval, obtaining all necessary regulatory approvals or waivers pursuant to the ASX Listing Rules and Corporations Act, and other material conditions. Cirralto Limited’s shareholder’s meeting is scheduled on February 26, 2019. The transaction has been approved by the shareholders of Cirralto Limited in a general meeting held on May 20, 2021. The transaction is expected to close by February 28, 2020. As of April 19, 2021, the transaction is expected to close on May 27, 2021. Cirralto Limited (ASX:CRO) completed the acquisition of Appstablishment Software Group Pty Ltd from Rare Air Nominees Pty Ltd on June 4, 2021.Recent Insider Transactions Derivative • Mar 02Independent Chairman exercised options and sold AU$213k worth of stockOn the 26th of February, Peter Richards exercised 4.50m options at around AU$0.054, then sold 3m of the shares acquired at an average of AU$0.13 per share and kept the remainder. Since June 2020, Peter's direct individual holding has increased from 13.94m shares to 23.64m. Company insiders have collectively sold AU$363k more than they bought, via options and on-market transactions in the last 12 months.分析記事 • Mar 01A Look At Cirralto's (ASX:CRO) CEO RemunerationThis article will reflect on the compensation paid to Adrian Floate who has served as CEO of Cirralto Limited ( ASX:CRO...お知らせ • Feb 22Cirralto Limited Announces Software Release & BPSP/BPA Testing UpdateCir alto Limited updated the market on the implementation and testing of the MasterCard Business Payment Aggregator (BPA) and the Visa Business Payment Solution Provider (BPSP) agreements with Fiserv previously announced on 7 December 2020 and 14 December 2020. In addition, the Company announced the launch of MySpenda, the user interface of the Company's Spenda digital payment stack. BPSP /BPA UPDATE: On February 3rd the Company commenced live production testing of `customer to supplier' payments utilising its newly established BPSP and BPA merchant services. The Company has been processing production payments for the past fortnight with a specific focus on security, transaction value, general ledger integration and merchant funding speed. These initial tests have provided valuable insight and enabled the Company to resolve issues and refine the user experience ahead of commercial launch. These software changes resulted in a system update on the 17th of February. Phase 2 testing has now commenced. These tests will place further focus on proving the impact of Reconciliation and Reporting enhancements that have been developed. It is expected that Phase 2 testing will be completed by the end of February and the Company can then start processing more production transactions for a wider customer set. The Company will be in a position to announce its formal release plan once these tests are completed. Myspenda Platform: Spenda is a feature-based payments product that integrates business processes that happen before and after the payment event adding value up and down the supply chain to consumers, retailers, wholesalers and manufacturers. The product delivers value with digital collaboration that removes the start /stop out of the quote to payment lifecycle, linking any buyer and seller together so they operate from one single version of the digital truth. To support this vision, the planning and development of a user interface that allows customers to navigate between various business scenarios has been developed as part of the new MySpenda feature suite.Recent Insider Transactions Derivative • Jan 26MD & Executive Director exercised options to buy AU$390k worth of stock.On the 25th of January, Adrian Floate exercised options to buy 5.65m shares at a strike price of around AU$0.025, costing a total of AU$142k. This transaction amounted to 10% of their direct individual holding at the time of the trade. Since June 2020, Adrian's direct individual holding has increased from 55.87m shares to 59.47m. Company insiders have collectively sold AU$231k more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions • Jan 26MD & Executive Director recently sold AU$423k worth of stockOn the 25th of January, Adrian Floate sold around 6m shares on-market at roughly AU$0.073 per share. This was the largest sale by an insider in the last 3 months. Adrian has been a seller over the last 12 months, reducing personal holdings by AU$382k.お知らせ • Dec 24Cirralto Limited, Annual General Meeting, Jan 28, 2021Cirralto Limited, Annual General Meeting, Jan 28, 2021, at 14:00 W. Australia Standard Time. Location: The Celtic Club, 48 Ord Street, West Perth Western Australia Australia Agenda: To discuss Financial statements and reports; to discuss Adoption of Remuneration Report; to discuss Re-election of Peter Richards as a Director; to discuss Ratification of Prior Issue of Shares to Canary Capital Pty Ltd under Listing Rule 7.1; to discuss Ratification of Prior Issue of Shares to Canary Capital Pty Ltd and CPS Capital Group Pty Ltd under Listing Rule 7.1; to discuss Ratification of Prior Issue of Options to Canary Capital Pty Ltd and CPS Capital Group Pty Ltd under Listing Rule 7.1; to discuss Ratification of Prior Issue of Shares under Listing Rule 7.1A; to discuss Ratification of Prior Issue of Shares to KAAI Capital under Listing Rule 7.1; and to discuss Ratification of Prior Issue of Listed Options to KAAI Capital under Listing Rule 7.1.お知らせ • Oct 27Cirralto Limited Announces the Appointment of Richard Jarvis as Chief Financial Officer, Effective from 1 November 2020Cirralto Limited announced that it has strengthened its senior management personnel with the appointment of Richard Jarvis as Chief Financial Officer (CFO), with effect from 1 November 2020.Reported Earnings • Oct 15Full year earnings released - AU$0.01 loss per shareOver the last 12 months the company has reported total losses of AU$7.44m, with losses widening by 23% from the prior year. Total revenue was AU$341.3k over the last 12 months, down 49% from the prior year.お知らせ • Oct 01+ 1 more updateCirralto Limited has completed a Derivatives Offering in the amount of AUD 0.273172 million.Cirralto Limited has completed a Derivatives Offering in the amount of AUD 0.273172 million. Security Name: Options Security Type: Equity Option Securities Offered: 273,171,601 Price\Range: AUD 0.001 Transaction Features: Rights Offeringお知らせ • Aug 14Cirralto Limited announced that it expects to receive AUD 2.712 million in fundingCirralto Limited (ASX:CRO) announced a private placement of 271,200,000 fully paid ordinary shares at a price of AUD 0.01 for gross proceeds of AUD 2,712,000 on August 14, 2020. The transaction will include participation from institutional and sophisticated investors. The transaction will also include participation from the board for 7,000,000 shares for AUD 70,000 and management of the company subscribing to 1,200,000 shares for AUD 12,000 in the transaction. The director participation is subject to shareholder approval to be sought at the next general meeting of the company. The transaction was oversubscribed under which the company had initially planned to raise AUD 2,000,000. The transaction is expected to close on August 17, 2020.お知らせ • Jun 16Cirralto Limited announced that it expects to receive AUD 0.6 million in fundingCirralto Limited (ASX:CRO) announced that it has entered into a convertible securities agreement with key major shareholders for gross proceeds of AUD 600,000 on June 8, 2020. The company will issue 600,000 convertible notes at a face value of AUD 1 per note. The notes are convertible into 120,000,000 common shares at a fixed conversion price of AUD 0.005. The conversion of notes is subject to the approval of the shareholders. Any notes not converted will be redeemed by the company. The notes bear a rate of interest of 10% per annum. The company will not pay any interest for first 60 days. The notes will mature 16 months from the issuance date. The transaction is subject to the the approval of the shareholders at a general meeting.財務状況分析短期負債: SPXの 短期資産 ( A$6.7M ) は 短期負債 ( A$9.6M ) をカバーしていません。長期負債: SPXの短期資産 ( A$6.7M ) が 長期負債 ( A$3.6M ) を上回っています。デット・ツー・エクイティの歴史と分析負債レベル: SPXの 純負債対資本比率 ( 36.7% ) は 満足できる 水準であると考えられます。負債の削減: SPXの負債対資本比率は、過去 5 年間で0%から50.3%に増加しました。貸借対照表キャッシュ・ランウェイ分析過去に平均して赤字であった企業については、少なくとも1年間のキャッシュ・ランウェイがあるかどうかを評価する。安定したキャッシュランウェイ: SPXは、前回報告された フリーキャッシュフロー に基づいて2か月分の十分な キャッシュランウェイ を有していますが、その後追加の資本を調達しました。キャッシュランウェイの予測: SPXフリーキャッシュフロー 推定値 に基づいて2か月間十分なキャッシュランウェイがあると予測されていますが、その後、追加の資本を調達しました。健全な企業の発掘7D1Y7D1Y7D1YSoftware 業界の健全な企業。View Dividend企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/01 21:45終値2026/07/01 00:00収益2025/12/31年間収益2025/06/30データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社の Github ページ でご覧いただけます。また、レポートの使い方に関する ガイド や YouTube の チュートリアル もご用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Spenda Limited 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。2 アナリスト機関null nullLodge Partners Pty Ltd.Cyprus SiaSpark Plus Pte Ltd
分析記事 • Dec 13Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...
分析記事 • Apr 12Here's Why Spenda (ASX:SPX) Can Manage Its Debt Despite Losing MoneyWarren Buffett famously said, 'Volatility is far from synonymous with risk.' When we think about how risky a company...
分析記事 • Dec 02Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...
分析記事 • Jun 20Is Spenda (ASX:SPX) A Risky Investment?Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...
分析記事 • Mar 03Is Spenda (ASX:SPX) Using Too Much Debt?Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it seems the smart money knows that...
Board Change • Jun 25Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 2 non-independent directors. Non-Executive Independent Director Peter Richards was the last independent director to join the board, commencing their role in 2017. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Jun 22Spenda Limited Announces Board ChangesSpenda Limited announced the appointment of Mr. Bill Pavlovski as an Independent and Non-Executive Director of the Company. Mr. Pavlovski is an experienced Company Director and capital markets professional with over 15 years of experience across banking, stockbroking and funds management. He has served as a Non-Executive Director of an ASX and JSE dual-listed resources company, contributing to board-level decision making across strategic planning, corporate governance, equity plans and remuneration, and serving on both the Audit and Risk Committee and the Safety, Health, Environment & Technical Committee. Mr. Pavlovski's capital markets career spans institutional banking, stockbroking and investment advisory roles. He worked for a number of years at ANZ Banking Group, where he held roles in Equity Capital Markets and Commodities and Currency Options, executing transactions and developing structured investment alternatives for institutional private banking clients across equities, foreign exchange, interest rate hedging and structured products. He subsequently built on this foundation as an Investment Advisor and Fund Manager, advising high net worth clients and executing investments across equities, commodity markets, and assisting both listed and unlisted entities with capital raisings across multiple sectors within ASX small capitalisation companies. He holds a degree in Applied Economics and International Trade and is compliant with ASIC Regulatory Guide 146 (RG146) for licensing. The Company also announces the resignation of Mr. Irshad Mulla as a Director of the Company. The Board thanks Mr. Mulla for his contribution to the Company.
お知らせ • Jun 10Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 8.545019 million.Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 8.545019 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 2,136,254,743 Price\Range: AUD 0.004 Discount Per Security: AUD 0.00024 Security Features: Attached Options Transaction Features: Rights Offering
お知らせ • Mar 06Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 1.4 million.Spenda Limited has filed a Follow-on Equity Offering in the amount of AUD 1.4 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 415,000,000 Price\Range: AUD 0.002 Discount Per Security: AUD 0.00012 Security Features: Attached Options Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 285,000,000 Price\Range: AUD 0.002 Discount Per Security: AUD 0.00012 Security Features: Attached Options Transaction Features: Subsequent Direct Listing
Reported Earnings • Mar 04First half 2026 earnings released: AU$0.001 loss per share (vs AU$0.002 loss in 1H 2025)First half 2026 results: AU$0.001 loss per share (improved from AU$0.002 loss in 1H 2025). Revenue: AU$4.19m (down 15% from 1H 2025). Net loss: AU$6.04m (loss narrowed 36% from 1H 2025). Over the last 3 years on average, earnings per share has increased by 33% per year but the company’s share price has fallen by 42% per year, which means it is significantly lagging earnings.
New Risk • Feb 28New major risk - Financial positionThe company has less than a year of cash runway based on its current free cash flow trend. Free cash flow: -AU$9.7m This is considered a major risk. With less than a year's worth of cash, the company will need to raise capital or take on debt unless its cash flows improve. This would dilute existing shareholders or increase balance sheet risk. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-AU$9.7m free cash flow). Share price has been highly volatile over the past 3 months (43% average weekly change). Minor Risks Shareholders have been diluted in the past year (17% increase in shares outstanding). Market cap is less than US$100m (AU$16.3m market cap, or US$11.6m).
New Risk • Jan 01New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 17% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (40% average weekly change). Earnings have declined by 5.8% per year over the past 5 years. Market cap is less than US$10m (AU$13.5m market cap, or US$9.04m). Minor Risk Shareholders have been diluted in the past year (17% increase in shares outstanding).
お知らせ • Dec 10Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 1.4 million.Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 1.4 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 540,000,000 Price\Range: AUD 0.0025 Discount Per Security: AUD 0.00015 Security Features: Attached Options Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 20,000,000 Price\Range: AUD 0.0025 Discount Per Security: AUD 0.00015 Security Features: Attached Options Transaction Features: Subsequent Direct Listing
New Risk • Oct 13New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: AU$13.8m (US$9.03m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (24% average weekly change). Earnings have declined by 5.8% per year over the past 5 years. Market cap is less than US$10m (AU$13.8m market cap, or US$9.03m).
Reported Earnings • Oct 05Full year 2025 earnings released: AU$0.005 loss per share (vs AU$0.003 loss in FY 2024)Full year 2025 results: AU$0.005 loss per share (further deteriorated from AU$0.003 loss in FY 2024). Revenue: AU$11.1m (up 106% from FY 2024). Net loss: AU$24.3m (loss widened 84% from FY 2024). Revenue is forecast to grow 52% p.a. on average during the next 3 years, compared to a 19% growth forecast for the IT industry in Australia. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has fallen by 29% per year, which means it is significantly lagging earnings.
お知らせ • Sep 27Spenda Limited, Annual General Meeting, Nov 26, 2025Spenda Limited, Annual General Meeting, Nov 26, 2025.
Reported Earnings • Aug 31Full year 2025 earnings released: AU$0.005 loss per share (vs AU$0.003 loss in FY 2024)Full year 2025 results: AU$0.005 loss per share (further deteriorated from AU$0.003 loss in FY 2024). Revenue: AU$11.1m (up 106% from FY 2024). Net loss: AU$24.3m (loss widened 84% from FY 2024). Revenue is forecast to grow 52% p.a. on average during the next 3 years, compared to a 20% growth forecast for the IT industry in Australia. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has fallen by 19% per year, which means it is significantly lagging earnings.
お知らせ • Aug 20Spenda Limited announced that it expects to receive $2.2729 million in funding from Obsidian Global GP, LLCSpenda Limited announced a private placement for Convertible Loan Facility for the proceeds of $2,272,900 on August 18, 2025. The transaction involves participation of Obsidian Global GP, LLC as an investor. $1.25 Million upon execution, $500,000 available for Company to draw down. and $1.75 Million after 6 months upon mutual agreement subject to shareholder approval. The maturity is 2 years from closing and bears no Interest. After September 15, 2025, the Investor shall have right to request a placement of up to 100,000,000 shares from the company. Facility is secured by a general charge over Company, subordinated to Capricorn and conversion price is $0.015. The Company will issue 20,000,000 Options to the Investor with an exercise price of $0.0175 per Option expiring three years from the date of issue. Legal fees is to $20,000 and $50,000 paid in cash or shares at the Company’s election on the Execution Date as investment fees. Ob the same day company closed the first tranche of $974,100 ( AUD 1,500,000) matures on August 18, 2027.
Board Change • May 03Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 2 highly experienced directors. 1 independent director (2 non-independent directors). Non-Executive Independent Chairman Peter Richards was the last independent director to join the board, commencing their role in 2017. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
分析記事 • Dec 13Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...
お知らせ • Nov 21Spenda Limited Announces Howard Digby Steps Down as Non-Executive DirectorThe Board of Spenda Limited advised that Mr. Howard Digby, who retires by rotation at the Annual General Meeting to be held on November 21, 2024, will not seek re-election and will step down from the Board effective from the end of the AGM. Mr. Digby has been a non-executive director since 2019. At the AGM, Re-election of Howard Digby, has been withdrawn as an item of business.
お知らせ • Sep 20Spenda Limited (ASX:SPX) completed the acquisition of Limepay Pty Ltd.Spenda Limited (ASX:SPX) signed a binding Share Sale Agreement to acquire Limepay Pty Ltd for AUD 8.8 million on July 16, 2024. Spenda will issue 508.27 million shares. The consideration consist of 4 tranches Spenda will issue 205 million shares as first tranches and for the second earnout consideration it will issue 59 million share and for the rest payment of AUD 4.8 it will also issue shares. The transaction is conditional upon no material adverse condition having occurred or arisen in relation to Limepay, each of the key employees entering into new employment agreements with Spenda or an entity designated by it, all necessary ASX approvals, regulatory, shareholder and other approvals being obtained in connection with the Transaction such that all required shareholder approvals have been obtained for the issue of the consideration shares, demonstration to the Company’s reasonable satisfaction that Limepay has cleared all, and as at the Completion date will have no, outstanding liabilities owing to Limepay directors, including in respect of director’s loans, director’s expenses, director’s funding interest payments due and unpaid salaries. The expected completion of the transaction is September 1, 2024 to September 30, 2024. Spenda Limited (ASX:SPX) completed the acquisition of Limepay Pty Ltd on September 20, 2024.
お知らせ • Sep 13Spenda Limited, Annual General Meeting, Nov 21, 2024Spenda Limited, Annual General Meeting, Nov 21, 2024.
Reported Earnings • Aug 30Full year 2024 earnings released: AU$0.003 loss per share (vs AU$0.003 loss in FY 2023)Full year 2024 results: AU$0.003 loss per share (in line with FY 2023). Net loss: AU$13.2m (loss widened 20% from FY 2023). Revenue is forecast to grow 79% p.a. on average during the next 2 years, compared to a 15% growth forecast for the IT industry in Australia. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has fallen by 49% per year, which means it is significantly lagging earnings.
お知らせ • Jul 16Spenda Limited (ASX:SPX) entered into binding term sheet to acquire Limepay Pty Ltd for AUD 6.65 million.Spenda Limited (ASX:SPX) entered into binding term sheet to acquire Limepay Pty Ltd for AUD 6.65 million on July 16, 2024. The consideration consist of 4 tranches Spenda will issue 205 million shares as first tranches and for the second earnout consideration it will issue 59 million share and for the rest payment of AUD 4.8 it will also issue shares. The expected completion of the transaction is September 1, 2024 to September 30, 2024.
お知らせ • May 29Spenda Limited Announces Appointment of Andrew Kearnan as A Non-Executive DirectorSpenda Limited announce the appointment of Andrew Kearnan as a Non-Executive Director of the Company. He is the nominee director of the Company's major shareholder, Capricorn Society Limited, and his appointment was fully endorsed by the Spenda Board. Mr. Kearnan is also currently a Director of Teachers Mutual Bank Limited (Deputy Chair), PetSure Australia Limited (Chair), UniMutual Limited (Chair) and Nimble Money Limited. Mr. Kearnan has held senior, executive or non-executive director positions at leading financial service sector and investment market businesses like Bank of America, Merrill Lynch, Commonwealth Bank of Australia, Hollard Insurance and RACQ. He is a past Member of the Australian Accounting Standards Board and was consistently rated as one of Australia's top equity market research analysts in the financial service sector during an 18-year investment banking career. His corporate advisory business has provided financial, strategic and capital markets advice to financial service companies across the maturity spectrum, including ASX listed companies. He is a Graduate of the AICD Company Directors course, has an MBA and an Honours degree in Science (Biochemistry).
New Risk • May 29New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Australian stocks, typically moving 18% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (18% average weekly change). Earnings have declined by 32% per year over the past 5 years. Minor Risks Shareholders have been diluted in the past year (32% increase in shares outstanding). Revenue is less than US$5m (AU$4.4m revenue, or US$3.0m). Market cap is less than US$100m (AU$34.6m market cap, or US$23.0m).
お知らせ • Jan 29Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 7.175 million.Spenda Limited has completed a Follow-on Equity Offering in the amount of AUD 7.175 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 592,975,206 Price\Range: AUD 0.0121 Transaction Features: Subsequent Direct Listing
お知らせ • Sep 29Spenda Limited Appoints David Laird as Non-Executive and Independent DirectorSpenda Limited announced the appointment of David Laird to the Board of Directors as a Non-Executive and Independent Director of the Company. David is a seasoned Payments Industry Professional with over 25 years' experience in developing and deploying technology to solve complex client problems. As an Institutional Banker, he developed and implemented solutions for Government and many of Australia's largest companies. His experience extends to commercial, legal and technical negotiations. David is a foundation team member and shareholder in Fintech company DataMesh, who have developed and certified a cloud based Merchant Acquiring switch and proprietary android EFTPOS terminal software and are actively deploying solutions in market. Servicing a suite of Institutional clients and major Australian Banks, DataMesh works with retailers and acquirers to enhance their relationships and capabilities. Also an independent consultant, David advises on the full spectrum of Transaction Banking, including Payments (inward and outward) and Liquidity Management for major enterprises requiring specialist advice and knowledge. His experience has included senior customer facing roles at ANZ and Commonwealth Bank and the world of Fintech. Holding a degree in eCommerce, David has lectured Information Systems for Business at Deakin University's Faculty of Business and Law as part of their MBA /MPA programs.
お知らせ • Sep 18Spenda Limited Launches PayFac ServicesSpenda Limited announced that following an eight-month program of works, the Company has now launched its PayFac merchant payment services. These new payment services complement and enhance the Company's existing Business-to-Business (B2B) and Business-to-Consumer (B2C) payment rails as well as the Company's current and planned future lending services. The PayFac launch unlocks improved efficiency for the Company that includes: Removing the duplicate sharing of compliance data when the Company bundles multiple service lines; The enablement of credit approval for both payments and lending in the same process (assuming customer eligibility); A reduction of Spenda's compliance costs; A reduction of Spenda's data breach risk; andA reduction in the cost of issuing and the enablement of the standardisation of Customer statements. PayFac services will be rolled out into Spenda's existing customer network as an upgrade offer while simultaneously being offered to new customer programs as a solution to reduce operating costs, increase loyalty and drive Spenda's total customer value. The Company anticipates growing the initial $1m ARR, as new implementation programs are delivered. An important point to note is that the lead time to revenue generation from these services is relatively short, therefore, the Company will update the market as it observes material increases in the run rate or sign up new customers or partner networks which lift ARR estimates to higher maintainable levels. As previously announced, existing customer networks such as Carpet Court have been or will be offered PayFac payment services. The launch of the PayFac capabilities provides Spenda and its partners with a substantial merchant acquisition and revenue opportunity that it believes will demonstrate Spenda's unparalleled competitive position as a payments company, with an ability to aggregate entire vertical markets and monetise flows from consumer to retailer all the way through to primary producer.
Reported Earnings • Sep 01Full year 2023 earnings released: AU$0.003 loss per share (vs AU$0.016 loss in FY 2022)Full year 2023 results: AU$0.003 loss per share (improved from AU$0.016 loss in FY 2022). Net loss: AU$11.0m (loss narrowed 78% from FY 2022). Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 44% per year, which means it is performing significantly worse than earnings.
New Risk • Aug 30New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-AU$7.4m free cash flow). Share price has been highly volatile over the past 3 months (16% average weekly change). Earnings have declined by 54% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Shareholders have been diluted in the past year (15% increase in shares outstanding). Revenue is less than US$5m (AU$2.6m revenue, or US$1.7m). Market cap is less than US$100m (AU$27.5m market cap, or US$17.9m).
分析記事 • Apr 12Here's Why Spenda (ASX:SPX) Can Manage Its Debt Despite Losing MoneyWarren Buffett famously said, 'Volatility is far from synonymous with risk.' When we think about how risky a company...
Reported Earnings • Mar 03First half 2023 earnings released: AU$0.002 loss per share (vs AU$0.002 loss in 1H 2022)First half 2023 results: AU$0.002 loss per share (in line with 1H 2022). Net loss: AU$5.67m (loss narrowed 5.2% from 1H 2022). Over the last 3 years on average, earnings per share has fallen by 24% per year but the company’s share price has increased by 48% per year, which means it is well ahead of earnings.
分析記事 • Dec 02Spenda (ASX:SPX) Is Using Debt SafelySome say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...
Board Change • Nov 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 1 highly experienced director. 1 independent director (3 non-independent directors). Non-Executive Independent Chairman Peter Richards was the last independent director to join the board, commencing their role in 2017. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
お知らせ • Oct 27Spenda Limited, Annual General Meeting, Nov 25, 2022Spenda Limited, Annual General Meeting, Nov 25, 2022, at 14:00 AUS Eastern Standard Time. Location: Karstens Sydney, Level 1, 111 Harrington St, The Rocks, NSW, 2000. Sydney Australia Agenda: To receive and to consider the Annual Financial Report for the financial year ended 30 June 2022 together with the declaration of the Directors, the Directors' Report, the Remuneration Report and the Auditor's Report for that financial year; to consider the Adoption of Remuneration Report; and to discuss other matters.
お知らせ • Sep 19Spenda Limited(ASX:SPX) dropped from S&P/ASX Emerging Companies IndexSpenda Limited(ASX:SPX) dropped from S&P/ASX Emerging Companies Index
Reported Earnings • Sep 01Full year 2022 earnings released: AU$0.016 loss per share (vs AU$0.006 loss in FY 2021)Full year 2022 results: AU$0.016 loss per share (down from AU$0.006 loss in FY 2021). Net loss: AU$50.2m (loss widened 340% from FY 2021). Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has increased by 10% per year, which means it is tracking significantly ahead of earnings growth.
分析記事 • Jun 20Is Spenda (ASX:SPX) A Risky Investment?Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...
Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there is only 1 independent director on the board. The company's board is composed of: 1 independent director. 3 non-independent directors. Non-Executive Independent Chairman Peter Richards was the last independent director to join the board, commencing their role in 2017. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
分析記事 • Mar 03Is Spenda (ASX:SPX) Using Too Much Debt?Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it seems the smart money knows that...
Recent Insider Transactions Derivative • Oct 09MD & Executive Director exercised options to buy AU$367k worth of stock.On the 7th of October, Adrian Floate exercised options to buy 6m shares at a strike price of around AU$0.025, costing a total of AU$161k. This transaction amounted to 2.3% of their direct individual holding at the time of the trade. Since December 2020, Adrian's direct individual holding has increased from 59.47m shares to 282.86m. Company insiders have collectively sold AU$204k more than they bought, via options and on-market transactions in the last 12 months.
Reported Earnings • Sep 01Full year 2021 earnings released: AU$0.006 loss per share (vs AU$0.01 loss in FY 2020)Full year 2021 results: Net loss: AU$11.4m (loss widened 53% from FY 2020). Over the last 3 years on average, earnings per share has increased by 47% per year but the company’s share price has only increased by 40% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 28Cirralto Limited completed the acquisition of Invigo Pty Ltd.Cirralto Limited (ASX:CRO) agreed to acquire Invigo Pty Ltd for AUD 7 million on July 5, 2021. Under the terms of agreement Cirralto will issue approximately 130 million shares to Invigo shareholders. Andy Hilton will join Cirralto’s Executive Leadership Team and Corrie Hassan will assume an executive managerial role within the Cirralto. The agreement can be terminated if Conditions are not satisfied or validly waived by the Cirralto by August 31, 2021. The deal is subject consummation of due diligence, approval from regulatory board, execution of employment agreement and shareholder approval. Cirralto Limited completed the acquisition of Invigo Pty Ltd on July 26, 2021. All conditions have been satisfied.
お知らせ • Jul 06Cirralto Limited (ASX:CRO) agreed to acquire Invigo Pty Ltd for AUD 7 million.Cirralto Limited (ASX:CRO) agreed to acquire Invigo Pty Ltd for AUD 7 million on July 5, 2021. Under the terms of agreement Cirralto will issue approximately 130 million shares to Invigo shareholders. Andy Hilton will join Cirralto’s Executive Leadership Team and Corrie Hassan will assume an executive managerial role within the Cirralto. The agreement can be terminated if Conditions are not satisfied or validly waived by the Cirralto by August 31, 2021. The deal is subject consummation of due diligence, approval from regulatory board, execution of employment agreement and shareholder approval.
お知らせ • Jun 04Cirralto Limited (ASX:CRO) completed the acquisition of Appstablishment Software Group Pty Ltd from Rare Air Nominees Pty Ltd.Cirralto Limited (ASX:CRO) entered into a binding share sale agreement to acquire Appstablishment Software Group Pty Ltd from Rare Air Nominees Pty Ltd and others for AUD 6.6 million on December 6, 2019. Cirralto Limited will issue 825 million shares as consideration for the acquisition. The transaction will bring ownership of Spenda and SYNK’D platforms to Cirralto. Upon completion of the acquisition, Appstablishment Software Group Pty Ltd’s founders, Adrian Floate and Francis DeSouza will hold approximately 38% of Cirralto Limited’s voting rights. Rare Air Nominees Pty Ltd, which is associated with Cirralto Limited’s existing Directo, Adrian Floate whose associated entities presently holds 8.5% of Cirralto Limited, holding will increase to above 20%. The due diligence work related to the transaction was funded through a private placement of 82 million new shares at an issue price of AUD 0.007 per share to raise AUD 0.574 million. The acquisition is subject to shareholder approval, obtaining all necessary regulatory approvals or waivers pursuant to the ASX Listing Rules and Corporations Act, and other material conditions. Cirralto Limited’s shareholder’s meeting is scheduled on February 26, 2019. The transaction has been approved by the shareholders of Cirralto Limited in a general meeting held on May 20, 2021. The transaction is expected to close by February 28, 2020. As of April 19, 2021, the transaction is expected to close on May 27, 2021. Cirralto Limited (ASX:CRO) completed the acquisition of Appstablishment Software Group Pty Ltd from Rare Air Nominees Pty Ltd on June 4, 2021.
Recent Insider Transactions Derivative • Mar 02Independent Chairman exercised options and sold AU$213k worth of stockOn the 26th of February, Peter Richards exercised 4.50m options at around AU$0.054, then sold 3m of the shares acquired at an average of AU$0.13 per share and kept the remainder. Since June 2020, Peter's direct individual holding has increased from 13.94m shares to 23.64m. Company insiders have collectively sold AU$363k more than they bought, via options and on-market transactions in the last 12 months.
分析記事 • Mar 01A Look At Cirralto's (ASX:CRO) CEO RemunerationThis article will reflect on the compensation paid to Adrian Floate who has served as CEO of Cirralto Limited ( ASX:CRO...
お知らせ • Feb 22Cirralto Limited Announces Software Release & BPSP/BPA Testing UpdateCir alto Limited updated the market on the implementation and testing of the MasterCard Business Payment Aggregator (BPA) and the Visa Business Payment Solution Provider (BPSP) agreements with Fiserv previously announced on 7 December 2020 and 14 December 2020. In addition, the Company announced the launch of MySpenda, the user interface of the Company's Spenda digital payment stack. BPSP /BPA UPDATE: On February 3rd the Company commenced live production testing of `customer to supplier' payments utilising its newly established BPSP and BPA merchant services. The Company has been processing production payments for the past fortnight with a specific focus on security, transaction value, general ledger integration and merchant funding speed. These initial tests have provided valuable insight and enabled the Company to resolve issues and refine the user experience ahead of commercial launch. These software changes resulted in a system update on the 17th of February. Phase 2 testing has now commenced. These tests will place further focus on proving the impact of Reconciliation and Reporting enhancements that have been developed. It is expected that Phase 2 testing will be completed by the end of February and the Company can then start processing more production transactions for a wider customer set. The Company will be in a position to announce its formal release plan once these tests are completed. Myspenda Platform: Spenda is a feature-based payments product that integrates business processes that happen before and after the payment event adding value up and down the supply chain to consumers, retailers, wholesalers and manufacturers. The product delivers value with digital collaboration that removes the start /stop out of the quote to payment lifecycle, linking any buyer and seller together so they operate from one single version of the digital truth. To support this vision, the planning and development of a user interface that allows customers to navigate between various business scenarios has been developed as part of the new MySpenda feature suite.
Recent Insider Transactions Derivative • Jan 26MD & Executive Director exercised options to buy AU$390k worth of stock.On the 25th of January, Adrian Floate exercised options to buy 5.65m shares at a strike price of around AU$0.025, costing a total of AU$142k. This transaction amounted to 10% of their direct individual holding at the time of the trade. Since June 2020, Adrian's direct individual holding has increased from 55.87m shares to 59.47m. Company insiders have collectively sold AU$231k more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions • Jan 26MD & Executive Director recently sold AU$423k worth of stockOn the 25th of January, Adrian Floate sold around 6m shares on-market at roughly AU$0.073 per share. This was the largest sale by an insider in the last 3 months. Adrian has been a seller over the last 12 months, reducing personal holdings by AU$382k.
お知らせ • Dec 24Cirralto Limited, Annual General Meeting, Jan 28, 2021Cirralto Limited, Annual General Meeting, Jan 28, 2021, at 14:00 W. Australia Standard Time. Location: The Celtic Club, 48 Ord Street, West Perth Western Australia Australia Agenda: To discuss Financial statements and reports; to discuss Adoption of Remuneration Report; to discuss Re-election of Peter Richards as a Director; to discuss Ratification of Prior Issue of Shares to Canary Capital Pty Ltd under Listing Rule 7.1; to discuss Ratification of Prior Issue of Shares to Canary Capital Pty Ltd and CPS Capital Group Pty Ltd under Listing Rule 7.1; to discuss Ratification of Prior Issue of Options to Canary Capital Pty Ltd and CPS Capital Group Pty Ltd under Listing Rule 7.1; to discuss Ratification of Prior Issue of Shares under Listing Rule 7.1A; to discuss Ratification of Prior Issue of Shares to KAAI Capital under Listing Rule 7.1; and to discuss Ratification of Prior Issue of Listed Options to KAAI Capital under Listing Rule 7.1.
お知らせ • Oct 27Cirralto Limited Announces the Appointment of Richard Jarvis as Chief Financial Officer, Effective from 1 November 2020Cirralto Limited announced that it has strengthened its senior management personnel with the appointment of Richard Jarvis as Chief Financial Officer (CFO), with effect from 1 November 2020.
Reported Earnings • Oct 15Full year earnings released - AU$0.01 loss per shareOver the last 12 months the company has reported total losses of AU$7.44m, with losses widening by 23% from the prior year. Total revenue was AU$341.3k over the last 12 months, down 49% from the prior year.
お知らせ • Oct 01+ 1 more updateCirralto Limited has completed a Derivatives Offering in the amount of AUD 0.273172 million.Cirralto Limited has completed a Derivatives Offering in the amount of AUD 0.273172 million. Security Name: Options Security Type: Equity Option Securities Offered: 273,171,601 Price\Range: AUD 0.001 Transaction Features: Rights Offering
お知らせ • Aug 14Cirralto Limited announced that it expects to receive AUD 2.712 million in fundingCirralto Limited (ASX:CRO) announced a private placement of 271,200,000 fully paid ordinary shares at a price of AUD 0.01 for gross proceeds of AUD 2,712,000 on August 14, 2020. The transaction will include participation from institutional and sophisticated investors. The transaction will also include participation from the board for 7,000,000 shares for AUD 70,000 and management of the company subscribing to 1,200,000 shares for AUD 12,000 in the transaction. The director participation is subject to shareholder approval to be sought at the next general meeting of the company. The transaction was oversubscribed under which the company had initially planned to raise AUD 2,000,000. The transaction is expected to close on August 17, 2020.
お知らせ • Jun 16Cirralto Limited announced that it expects to receive AUD 0.6 million in fundingCirralto Limited (ASX:CRO) announced that it has entered into a convertible securities agreement with key major shareholders for gross proceeds of AUD 600,000 on June 8, 2020. The company will issue 600,000 convertible notes at a face value of AUD 1 per note. The notes are convertible into 120,000,000 common shares at a fixed conversion price of AUD 0.005. The conversion of notes is subject to the approval of the shareholders. Any notes not converted will be redeemed by the company. The notes bear a rate of interest of 10% per annum. The company will not pay any interest for first 60 days. The notes will mature 16 months from the issuance date. The transaction is subject to the the approval of the shareholders at a general meeting.