Raiz Invest Limited provides financial services and products through its mobile micro-investing platform in Australia, Indonesia, and Malaysia.
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$1.85|
|52 Week High||AU$0.69|
|52 Week Low||AU$2.20|
|1 Month Change||2.78%|
|3 Month Change||10.12%|
|1 Year Change||146.67%|
|3 Year Change||184.62%|
|5 Year Change||n/a|
|Change since IPO||32.14%|
Recent News & Updates
What Is The Ownership Structure Like For Raiz Invest Limited (ASX:RZI)?
Every investor in Raiz Invest Limited ( ASX:RZI ) should be aware of the most powerful shareholder groups. Insiders...
|RZI||AU Capital Markets||AU Market|
Return vs Industry: RZI exceeded the Australian Capital Markets industry which returned 29.1% over the past year.
Return vs Market: RZI exceeded the Australian Market which returned 24.4% over the past year.
Stable Share Price: RZI is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: RZI's weekly volatility (9%) has been stable over the past year.
About the Company
Raiz Invest Limited provides financial services and products through its mobile micro-investing platform in Australia, Indonesia, and Malaysia. The company operates through two segments, Raiz Invest Micro-Investing Platform and Other Financial segments. Its platform offers customers a way to invest money using the Raiz mobile application or through the Raiz Website.
Raiz Invest Fundamentals Summary
|RZI fundamental statistics|
Is RZI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|RZI income statement (TTM)|
|Cost of Revenue||AU$4.45m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.04|
|Net Profit Margin||-25.20%|
How did RZI perform over the long term?See historical performance and comparison
Is Raiz Invest undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate RZI's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate RZI's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: RZI is unprofitable, so we can't compare its PE Ratio to the Australian Capital Markets industry average.
PE vs Market: RZI is unprofitable, so we can't compare its PE Ratio to the Australian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RZI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: RZI is overvalued based on its PB Ratio (4.2x) compared to the AU Capital Markets industry average (1.4x).
How is Raiz Invest forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: RZI is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: RZI is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: RZI's is expected to become profitable in the next 3 years.
Revenue vs Market: RZI's revenue (27.8% per year) is forecast to grow faster than the Australian market (5.3% per year).
High Growth Revenue: RZI's revenue (27.8% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: RZI's Return on Equity is forecast to be low in 3 years time (9.5%).
How has Raiz Invest performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RZI is currently unprofitable.
Growing Profit Margin: RZI is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: RZI is unprofitable, but has reduced losses over the past 5 years at a rate of 11.7% per year.
Accelerating Growth: Unable to compare RZI's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: RZI is unprofitable, making it difficult to compare its past year earnings growth to the Capital Markets industry (12.8%).
Return on Equity
High ROE: RZI has a negative Return on Equity (-13.06%), as it is currently unprofitable.
How is Raiz Invest's financial position?
Financial Position Analysis
Short Term Liabilities: RZI's short term assets (A$21.8M) exceed its short term liabilities (A$3.5M).
Long Term Liabilities: RZI's short term assets (A$21.8M) exceed its long term liabilities (A$1.3M).
Debt to Equity History and Analysis
Debt Level: RZI's debt to equity ratio (0.5%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if RZI's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: RZI has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: RZI has sufficient cash runway for more than 3 years if free cash flow continues to grow at historical rates of 11.7% each year
What is Raiz Invest current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate RZI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate RZI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if RZI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if RZI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of RZI's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. George Simon Lucas is the Founder, Joint Group Chief Executive Officer and Managing Director at Raiz Invest Limited since 2020. His experience spans retail product strategy, managing investment risk, p...
CEO Compensation Analysis
Compensation vs Market: George's total compensation ($USD631.54K) is above average for companies of similar size in the Australian market ($USD301.38K).
Compensation vs Earnings: George's compensation has increased whilst the company is unprofitable.
Experienced Management: RZI's management team is not considered experienced ( 0.2 years average tenure), which suggests a new team.
Experienced Board: RZI's board of directors are not considered experienced ( 0.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 16.4%.
Raiz Invest Limited's employee growth, exchange listings and data sources
- Name: Raiz Invest Limited
- Ticker: RZI
- Exchange: ASX
- Founded: 2016
- Industry: Investment Banking and Brokerage
- Sector: Diversified Financials
- Market Cap: AU$163.615m
- Shares outstanding: 87.26m
- Website: https://www.raizinvest.com.au
Number of Employees
- Raiz Invest Limited
- 2 Bulletin Place
- Level 11
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/26 07:02|
|End of Day Share Price||2021/10/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.