Market Cap
AU$235.5m
Last Updated
2020/10/20 10:36 UTC
Data Sources
Company Financials +
Executive Summary
Wisr Limited engages in the lending business in Australia. More Details
Rewards
Risk Analysis
Currently unprofitable and not forecast to become profitable over the next 3 years
Snowflake Analysis
Adequate balance sheet with limited growth.
Share Price & News
How has Wisr's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: WZR has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
19.4%
WZR
-2.5%
AU Consumer Finance
0.5%
AU Market
1 Year Return
79.2%
WZR
-2.2%
AU Consumer Finance
-5.6%
AU Market
Return vs Industry: WZR exceeded the Australian Consumer Finance industry which returned -2.2% over the past year.
Return vs Market: WZR exceeded the Australian Market which returned -5.6% over the past year.
Shareholder returns
| WZR | Industry | Market | |
|---|---|---|---|
| 7 Day | 19.4% | -2.5% | 0.5% |
| 30 Day | 10.3% | 13.3% | 5.0% |
| 90 Day | -17.3% | 10.6% | 2.9% |
| 1 Year | 79.2%79.2% | -1.3%-2.2% | -2.3%-5.6% |
| 3 Year | 616.7%616.7% | 66.8%53.9% | 12.4%-1.2% |
| 5 Year | 87.0%87.0% | 107.2%76.1% | 41.5%12.9% |
Price Volatility Vs. Market
How volatile is Wisr's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
If You Had Bought Wisr (ASX:WZR) Stock Three Years Ago, You Could Pocket A 555% Gain Today1 month ago | Simply Wall St
Non Executive Director Craig Swanger Just Sold A Bunch Of Shares In Wisr Limited (ASX:WZR)2 months ago | Simply Wall St
When Will Wisr Limited (ASX:WZR) Become Profitable?Valuation
Is Wisr undervalued compared to its fair value and its price relative to the market?
6.33x
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 AU 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 (6.3x) compared to the AU Consumer Finance industry average (2.3x).
Next Steps
Future Growth
How is Wisr forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
32.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: WZR is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: WZR is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: WZR is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: WZR's revenue (64.9% per year) is forecast to grow faster than the Australian market (4.6% per year).
High Growth Revenue: WZR's revenue (64.9% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: WZR is forecast to be unprofitable in 3 years.
Next Steps
Past Performance
How has Wisr performed over the past 5 years?
-25.2%
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 25.2% 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 (-5.1%).
Return on Equity
High ROE: WZR has a negative Return on Equity (-65.43%), as it is currently unprofitable.
Next Steps
Financial Health
How is Wisr's financial position?
Financial Position Analysis
Short Term Liabilities: WZR's short term assets (A$125.5M) exceed its short term liabilities (A$5.0M).
Long Term Liabilities: WZR's short term assets (A$125.5M) exceed its long term liabilities (A$85.0M).
Debt to Equity History and Analysis
Debt Level: WZR's debt to equity ratio (241.7%) is considered high.
Reducing Debt: WZR had negative shareholder equity 5 years ago, but is now positive and has therefore improved.
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 a year 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.
Next Steps
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?
2.1yrs
Average management tenure
CEO
Anthony Nantes
4.08yrs
Tenure
AU$3,218,128
Compensation
Mr. Anthony Nantes has been Chief Executive Officer of Wisr Limited (formerly known as DirectMoney Limited) since September 29, 2016. Mr. Nantes has a proven track record in technology and business innovat ...
CEO Compensation Analysis
Compensation vs Market: Anthony's total compensation ($USD2.28M) is above average for companies of similar size in the Australian market ($USD515.34K).
Compensation vs Earnings: Anthony's compensation has increased whilst the company is unprofitable.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Executive Chairman | 4.33yrs | AU$630.11k | 1.2% A$ 2.8m | |
| Chief Executive Officer | 4.08yrs | AU$3.22m | 3.57% A$ 8.4m | |
| Chief Financial Officer | 3.42yrs | AU$1.50m | 1.18% A$ 2.8m | |
| Chief Technology Officer | no data | no data | no data | |
| Chief Marketing Officer | no data | no data | no data | |
| Chief Risk Officer | 2.42yrs | AU$261.31k | 0.77% A$ 1.8m | |
| Head of Partnerships | no data | no data | no data | |
| Chief Risk and Data Officer | 0.75yr | no data | no data | |
| Chief Product Officer | 0.083yr | no data | no data | |
| Chief Strategy Officer | 0.083yr | no data | no data | |
| Joint Company Secretary | 5.25yrs | no data | no data | |
| Joint Company Secretary | 1.75yrs | no data | no data |
2.1yrs
Average Tenure
Experienced Management: WZR's management team is considered experienced (2.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Executive Chairman | 4.33yrs | AU$630.11k | 1.2% A$ 2.8m | |
| Non-Executive Director | 5.08yrs | AU$353.93k | 0.53% A$ 1.2m | |
| Non Executive Director | 5.25yrs | AU$451.49k | 0.36% A$ 842.1k |
5.1yrs
Average Tenure
Experienced Board: WZR's board of directors are considered experienced (5.1 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: WZR insiders have only sold shares 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 32.5%.
Top Shareholders
Company Information
Wisr Limited's company bio, 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$235.488m
- Shares outstanding: 1.10b
- Website: https://www.wisr.com.au
Number of Employees
Location
- Wisr Limited
- 58 Pitt Street
- Suite 33
- Sydney
- New South Wales
- 2000
- Australia
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| WZR | ASX (Australian Securities Exchange) | Yes | Ordinary Shares | AU | AUD | Dec 2013 |
| WZR | CHIA (Chi-X Australia) | Yes | Ordinary Shares | AU | AUD | Dec 2013 |
Biography
Wisr Limited engages in the lending business in Australia. It offers personal loans for 3, 5, and 7-year maturities to consumers, then on-sells these loans to retail, wholesale, and institutional investors ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/10/20 10:36 |
| End of Day Share Price | 2020/10/20 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2020/06/30 |
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.