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RZI

Raiz Invest ASX:RZI Stock Report

Last Price

AU$0.65

Market Cap

AU$60.7m

7D

2.4%

1Y

-59.1%

Updated

30 Jun, 2022

Data

Company Financials
RZI fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance0/6
Financial Health5/6
Dividends0/6

RZI Stock Overview

Raiz Invest Limited provides financial services and products through its mobile micro-investing platform in Australia, Indonesia, and Malaysia.

Raiz Invest Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Raiz Invest
Historical stock prices
Current Share PriceAU$0.65
52 Week HighAU$2.16
52 Week LowAU$0.58
Beta1.95
1 Month Change-21.69%
3 Month Change-39.25%
1 Year Change-59.12%
3 Year Change39.79%
5 Year Changen/a
Change since IPO-53.57%

Recent News & Updates

Shareholder Returns

RZIAU Capital MarketsAU Market
7D2.4%2.6%2.8%
1Y-59.1%-8.3%-9.6%

Return vs Industry: RZI underperformed the Australian Capital Markets industry which returned -8.3% over the past year.

Return vs Market: RZI underperformed the Australian Market which returned -9.6% over the past year.

Price Volatility

Is RZI's price volatile compared to industry and market?
RZI volatility
RZI Average Weekly Movement9.3%
Capital Markets Industry Average Movement5.9%
Market Average Movement9.8%
10% most volatile stocks in AU Market16.7%
10% least volatile stocks in AU Market4.3%

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

FoundedEmployeesCEOWebsite
2016n/aGeorge Lucashttps://www.raizinvest.com.au

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

How do Raiz Invest's earnings and revenue compare to its market cap?
RZI fundamental statistics
Market CapAU$60.74m
Earnings (TTM)-AU$4.52m
Revenue (TTM)AU$18.02m

3.4x

P/S Ratio

-13.5x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
RZI income statement (TTM)
RevenueAU$18.02m
Cost of RevenueAU$5.96m
Gross ProfitAU$12.06m
Other ExpensesAU$16.57m
Earnings-AU$4.52m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.048
Gross Margin66.90%
Net Profit Margin-25.06%
Debt/Equity Ratio0.4%

How did RZI perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is RZI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for RZI?

Other financial metrics that can be useful for relative valuation.

RZI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue2.2x
Enterprise Value/EBITDA-7.2x
PEG Ration/a

Price to Book Ratio vs Peers

How does RZI's PB Ratio compare to its peers?

RZI PB Ratio vs Peers
The above table shows the PB ratio for RZI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average4.4x
SEQ Sequoia Financial Group
1.9xn/aAU$80.4m
SWF SelfWealth
3xn/aAU$43.8m
HAL Halo Technologies Holdings
11xn/aAU$30.4m
EZL Euroz Hartleys Group
1.8xn/aAU$339.5m
RZI Raiz Invest
1.1xn/aAU$60.7m

Price-To-Book vs Peers: RZI is good value based on its Price-To-Book Ratio (1.1x) compared to the peer average (4.4x).


Price to Earnings Ratio vs Industry

How does RZI's PE Ratio compare vs other companies in the AU Capital Markets Industry?

Price-To-Book vs Industry: RZI is expensive based on its Price-To-Book Ratio (1.1x) compared to the Australian Capital Markets industry average (1.1x)


Price to Book Ratio vs Fair Ratio

What is RZI's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

RZI PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1.1x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate RZI's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of RZI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate RZI's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate RZI's fair value for valuation analysis.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate RZI's PEG Ratio to determine if it is good value.


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Future Growth

How is Raiz Invest forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


5.9%

Forecasted Diversified Financials industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Raiz Invest has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Examine Raiz Invest's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  • Raiz Invest competitive advantages and company strategy can generally be found in its financial reports archived here.

Past Performance

How has Raiz Invest performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


12.7%

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 12.7% 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 (42.7%).


Return on Equity

High ROE: RZI has a negative Return on Equity (-11.3%), as it is currently unprofitable.


Discover strong past performing companies

Financial Health

How is Raiz Invest's financial position?

Financial Health Score

5/6

Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Stable Cash Runway

  • Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: RZI's short term assets (A$33.5M) exceed its short term liabilities (A$8.0M).

Long Term Liabilities: RZI's short term assets (A$33.5M) exceed its long term liabilities (A$2.1M).


Debt to Equity History and Analysis

Debt Level: RZI has more cash than its total debt.

Reducing Debt: Insufficient data to determine if RZI's debt to equity ratio has reduced over the past 5 years.


Balance Sheet


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 14.4% each year


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Dividend

What is Raiz Invest current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

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.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as RZI has not reported any payouts.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

1.1yrs

Average management tenure


CEO

George Lucas

no data

Tenure

AU$842,479

Compensation

Mr. George Simon Lucas is the Founder, Joint Group Chief Executive Officer and Managing Director at Raiz Invest Limited since 2020 and has been its Executive Director. His experience spans retail product s...


CEO Compensation Analysis

Compensation vs Market: George's total compensation ($USD579.18K) is above average for companies of similar size in the Australian market ($USD287.52K).

Compensation vs Earnings: George's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: RZI's management team is not considered experienced ( 1.1 years average tenure), which suggests a new team.


Board Members

Experienced Board: RZI's board of directors are not considered experienced ( 0.7 years average tenure), which suggests a new board.


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 14%.


Top Shareholders

Company Information

Raiz Invest Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Raiz Invest Limited
  • Ticker: RZI
  • Exchange: ASX
  • Founded: 2016
  • Industry: Investment Banking and Brokerage
  • Sector: Diversified Financials
  • Implied Market Cap: AU$60.740m
  • Shares outstanding: 93.45m
  • Website: https://www.raizinvest.com.au

Number of Employees


Location

  • Raiz Invest Limited
  • 2 Bulletin Place
  • Level 11
  • Sydney
  • New South Wales
  • 2000
  • Australia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/30 00:00
End of Day Share Price2022/06/30 00:00
Earnings2021/12/31
Annual Earnings2021/06/30


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.