SVR Stock Overview

Provides automotive finance in Australia and New Zealand. More details

SVR fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	3/6
Past Performance	1/6
Financial Health	2/6
Dividends	3/6

Rewards

Trading at 51.8% below our estimate of its fair value

Earnings are forecast to grow 21.96% per year

Risk Analysis

Interest payments are not well covered by earnings

Dividend of 6.9% is not well covered by earnings or free cash flows

Profit margins (7.9%) are lower than last year (22.8%)

Large one-off items impacting financial results

My Notes

Capture your thoughts, links and company narrative

Solvar Limited Competitors

Humm Group

ASX:HUM

AU$326.7m

Cash Converters International

ASX:CCV

AU$153.0m

FleetPartners Group

ASX:FPR

AU$676.9m

Credit Corp Group

ASX:CCP

AU$1.1b

Price History & Performance

Summary of share price highs, lows and changes for Solvar
Historical stock prices
Current Share Price	AU$1.45
52 Week High	AU$1.64
52 Week Low	AU$0.93
Beta	1.68
1 Month Change	14.62%
3 Month Change	14.62%
1 Year Change	16.00%
3 Year Change	-57.23%
5 Year Change	-36.40%
Change since IPO	15.08%

Even With A 25% Surge, Cautious Investors Are Not Rewarding Solvar Limited's (ASX:SVR) Performance Completely

Dec 09

Solvar (ASX:SVR) Has Announced A Dividend Of A$0.05

Aug 29

Recent updates

Even With A 25% Surge, Cautious Investors Are Not Rewarding Solvar Limited's (ASX:SVR) Performance Completely

Dec 09

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Aug 18

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Apr 18

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Jan 18

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Aug 04

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Jun 23

Shareholder Returns

	SVR	AU Consumer Finance	AU Market
7D	-5.8%	-1.6%	-2.0%
1Y	16.0%	72.0%	7.8%

Return vs Industry: SVR underperformed the Australian Consumer Finance industry which returned 72% over the past year.

Return vs Market: SVR exceeded the Australian Market which returned 7.8% over the past year.

Price Volatility

Is SVR's price volatile compared to industry and market?
SVR volatility
SVR Average Weekly Movement	6.0%
Consumer Finance Industry Average Movement	6.0%
Market Average Movement	8.0%
10% most volatile stocks in AU Market	16.8%
10% least volatile stocks in AU Market	3.1%

Stable Share Price: SVR has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: SVR's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2000	n/a	Scott Baldwin	www.solvar.com.au

Solvar Limited, together with its subsidiaries, provides automotive finance in Australia and New Zealand. It offers consumer and commercial loans for new and used cars, motorbikes, utility vehicles, tractors, caravan, horse floats, motor bikes, trailers, trucks, boats, and jet skis. The company provides secured and unsecured personal loans.

Solvar Limited Fundamentals Summary

How do Solvar's earnings and revenue compare to its market cap?
SVR fundamental statistics
Market cap	AU$316.55m
Earnings (TTM)	AU$17.04m
Revenue (TTM)	AU$215.99m

17.3x

P/E Ratio

1.4x

P/S Ratio

Is SVR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SVR income statement (TTM)
Revenue	AU$215.99m
Cost of Revenue	AU$0
Gross Profit	AU$215.99m
Other Expenses	AU$198.95m
Earnings	AU$17.04m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.084
Gross Margin	100.00%
Net Profit Margin	7.89%
Debt/Equity Ratio	172.5%

How did SVR perform over the long term?

See historical performance and comparison

Dividends

6.9%

Current Dividend Yield

123%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/20 07:27
End of Day Share Price	2024/12/20 00:00
Earnings	2024/06/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Solvar Limited is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Russell Wright	Barclay Pearce Capital Pty Limited
Marcus Barnard	Bell Potter
Allan Franklin	Canaccord Genuity

SVR Stock Overview

Rewards

Risk Analysis

Solvar Limited Competitors

ASX:HUM

AU$326.7m

ASX:CCV

AU$153.0m

ASX:FPR

AU$676.9m

ASX:CCP

AU$1.1b

Price History & Performance

Recent News & Updates

Even With A 25% Surge, Cautious Investors Are Not Rewarding Solvar Limited's (ASX:SVR) Performance Completely

Investor sentiment improves as stock rises 15%

Solvar Limited, Annual General Meeting, Nov 21, 2024

Solvar (ASX:SVR) Has Announced A Dividend Of A$0.05

Solvar Limited Appoints Craig Parker as Independent Non- Executive Director, Effective from 18 September 2024

Solvar Limited Announces Ordinary Fully Paid Dividend for the Six Months Ended June 30, 2024, Payable on 11 October 2024

Recent updates

Even With A 25% Surge, Cautious Investors Are Not Rewarding Solvar Limited's (ASX:SVR) Performance Completely

Investor sentiment improves as stock rises 15%

Solvar Limited, Annual General Meeting, Nov 21, 2024

Solvar (ASX:SVR) Has Announced A Dividend Of A$0.05

Solvar Limited Appoints Craig Parker as Independent Non- Executive Director, Effective from 18 September 2024

Solvar Limited Announces Ordinary Fully Paid Dividend for the Six Months Ended June 30, 2024, Payable on 11 October 2024

Final dividend of AU$0.05 announced

Price target increased by 9.7% to AU$1.39

Solvar Limited to Report Fiscal Year 2024 Results on Aug 20, 2024

Solvar Limited (ASX:SVR) announces an Equity Buyback for AUD 15 million worth of its shares.

CEO, MD & Executive Director recently sold AU$215k worth of stock

Upcoming dividend of AU$0.05 per share

First half dividend of AU$0.05 announced

First half 2024 earnings: EPS in line with analyst expectations despite revenue beat

Solvar Limited to Report First Half, 2024 Results on Feb 20, 2024

Investor sentiment deteriorates as stock falls 16%

Solvar Limited's (ASX:SVR) Price Is Right But Growth Is Lacking

Solvar Limited, Annual General Meeting, Nov 10, 2023

Price target decreased by 26% to AU$1.32

Upcoming dividend of AU$0.09 per share at 14% yield

Consensus EPS estimates fall by 24%

New major risk - Revenue and earnings growth

New major risk - Earnings quality

Full year 2023 earnings released: EPS: AU$0.23 (vs AU$0.24 in FY 2022)

New major risk - Revenue and earnings growth

Solvar Limited to Report Fiscal Year 2023 Results on Aug 15, 2023

Price target decreased by 7.6% to AU$2.42

Investor sentiment deteriorates as stock falls 35%

Now 43% undervalued after recent price drop

Now 21% undervalued after recent price drop

Investor sentiment deteriorates as stock falls 16%

Now 24% undervalued after recent price drop

Investor sentiment improves as stock rises 15%

Price target decreased by 9.9% to AU$2.79

Upcoming dividend of AU$0.075 per share at 6.8% yield

Solvar Limited Announces Dividend for the Six Months Ended December 31, 2022, Payable on April 13, 2023

Solvar Limited to Report First Half, 2023 Results on Feb 15, 2023

Insufficient new directors

Insufficient new directors

Money3 Corporation Limited, Annual General Meeting, Nov 16, 2022

Insufficient new directors

Upcoming dividend of AU$0.07 per share

Money3 (ASX:MNY) Is Paying Out A Dividend Of A$0.07

CEO, MD & Executive Director exercised options to buy AU$851k worth of stock.

Full year 2022 earnings: EPS in line with expectations, revenues disappoint

Money3 Corporation Limited Declares Final Dividend for the Year Ended June 30, 2022, Payable on October 6, 2022

Price target decreased to AU$3.57

Money3 Corporation Limited to Report Fiscal Year 2022 Results on Aug 16, 2022

If You Like EPS Growth Then Check Out Money3 (ASX:MNY) Before It's Too Late

Independent Non-Executive Chairman recently bought AU$99k worth of stock

CEO, MD & Executive Director exercised options to buy AU$828k worth of stock.

Upcoming dividend of AU$0.06 per share

First half 2022 earnings: EPS and revenues exceed analyst expectations

Money3 Corporation Limited Announces Dividend for the Six Months Ended December 31, 2021, Payable on April 29, 2022

Here's Why I Think Money3 (ASX:MNY) Might Deserve Your Attention Today

CEO, MD & Executive Director exercised options to buy AU$2.2m worth of stock.

Independent Non-Executive Chairman recently bought AU$104k worth of stock

CEO, MD & Executive Director exercised options to buy AU$7.5m worth of stock.

Upcoming dividend of AU$0.07 per share