| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 5/6 |
| Past Performance | 0/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
WZR Overview
Wisr Limited engages in the lending business in Australia.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$0.29 |
| 52 Week High | AU$0.17 |
| 52 Week Low | AU$0.34 |
| Beta | 1.38 |
| 1 Month Change | 11.54% |
| 3 Month Change | 3.57% |
| 1 Year Change | 34.88% |
| 3 Year Change | 468.63% |
| 5 Year Change | 866.67% |
| Change since IPO | 65.71% |
Recent News & Updates
Loss-Making Wisr Limited (ASX:WZR) Expected To Breakeven In The Medium-Term
With the business potentially at an important milestone, we thought we'd take a closer look at Wisr Limited's ( ASX:WZR...
Shareholder Returns
| WZR | AU Consumer Finance | AU Market | |
|---|---|---|---|
| 7D | 5.5% | 2.2% | 1.7% |
| 1Y | 34.9% | 10.0% | 20.3% |
Return vs Industry: WZR exceeded the Australian Consumer Finance industry which returned 10% over the past year.
Return vs Market: WZR exceeded the Australian Market which returned 20.3% over the past year.
Price Volatility
| WZR volatility | |
|---|---|
| WZR Beta | 1.38 |
| Industry Beta | 1.96 |
| Market Beta | 1 |
Stable Share Price: WZR is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: WZR's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1966 | n/a | Anthony Nantes | https://www.wisr.com.au |
Wisr Limited engages in the lending business in Australia. It provides personal and secured vehicle loans for 3, 5, and 7-year maturities to consumers, and funding these loans through the warehouse to retail and institutional investors. The company was incorporated in 1966 and is based in The Rocks, Australia.
Wisr Fundamentals Summary
| WZR fundamental statistics | |
|---|---|
| Market Cap | AU$379.74m |
| Earnings (TTM) | -AU$17.64m |
| Revenue (TTM) | AU$11.70m |
33.6x
P/S Ratio-22.3x
P/E RatioIs WZR overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| WZR income statement (TTM) | |
|---|---|
| Revenue | AU$11.70m |
| Cost of Revenue | AU$3.07m |
| Gross Profit | AU$8.63m |
| Expenses | AU$26.27m |
| Earnings | -AU$17.64m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.013 |
| Gross Margin | 73.77% |
| Net Profit Margin | -150.81% |
| Debt/Equity Ratio | 543.2% |
How did WZR perform over the long term?
See historical performance and comparisonValuation
Is Wisr undervalued compared to its fair value and its price relative to the market?
5.44x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate WZR's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate WZR's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: WZR is unprofitable, so we can't compare its PE Ratio to the Australian Consumer Finance industry average.
PE vs Market: WZR 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 WZR's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: WZR is overvalued based on its PB Ratio (5.4x) compared to the AU Consumer Finance industry average (1.8x).
Future Growth
How is Wisr forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
95.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: WZR is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: WZR is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: WZR's is expected to become profitable in the next 3 years.
Revenue vs Market: WZR's revenue (56% per year) is forecast to grow faster than the Australian market (5.4% per year).
High Growth Revenue: WZR's revenue (56% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if WZR's Return on Equity is forecast to be high in 3 years time
Past Performance
How has Wisr performed over the past 5 years?
-31.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WZR is currently unprofitable.
Growing Profit Margin: WZR is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: WZR is unprofitable, and losses have increased over the past 5 years at a rate of 31.2% per year.
Accelerating Growth: Unable to compare WZR's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: WZR is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (171.9%).
Return on Equity
High ROE: WZR has a negative Return on Equity (-24.41%), as it is currently unprofitable.
Financial Health
How is Wisr's financial position?
Financial Position Analysis
Short Term Liabilities: WZR's short term assets (A$469.1M) exceed its short term liabilities (A$5.9M).
Long Term Liabilities: WZR's short term assets (A$469.1M) exceed its long term liabilities (A$393.3M).
Debt to Equity History and Analysis
Debt Level: WZR's debt to equity ratio (543.2%) is considered high.
Reducing Debt: WZR's debt to equity ratio has increased from 12.7% to 543.2% 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: WZR has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: Insufficient data to determine if WZR has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.
Dividend
What is Wisr current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate WZR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate WZR'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 WZR's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if WZR'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 WZR's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.1yrs
Average management tenure
CEO
Anthony Nantes
5.08yrs
Tenure
AU$532,561
Compensation
Mr. Anthony Nantes has been Chief Executive Officer of Wisr Limited (formerly known as DirectMoney Limited) since September 29, 2016. Mr. Nantes has a proven track record in technology and business innovat...
CEO Compensation Analysis
Compensation vs Market: Anthony's total compensation ($USD394.69K) is about average for companies of similar size in the Australian market ($USD549.23K).
Compensation vs Earnings: Anthony's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: WZR's management team is considered experienced (3.1 years average tenure).
Board Members
Experienced Board: WZR's board of directors are considered experienced (5.7 years average tenure).
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 23.8%.
Top Shareholders
Company Information
Wisr Limited's employee growth, exchange listings and data sources
Key Information
- Name: Wisr Limited
- Ticker: WZR
- Exchange: ASX
- Founded: 1966
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$379.737m
- Shares outstanding: 1.36b
- Website: https://www.wisr.com.au
Number of Employees
Location
- Wisr Limited
- 55 Harrington Street
- Level 4
- The Rocks
- New South Wales
- 2000
- Australia
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/19 07:04 |
| End of Day Share Price | 2021/10/19 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2021/06/30 |
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.