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WZR

WisrASX:WZR Stock Report

Market Cap

AU$379.7m

7D

5.5%

1Y

34.9%

Updated

19 Oct, 2021

Data

Company Financials +
WZR fundamental analysis
Snowflake Score
Valuation0/6
Future Growth5/6
Past Performance0/6
Financial Health3/6
Dividends0/6

WZR Overview

Wisr Limited engages in the lending business in Australia.

Price History & Performance

Summary of all time highs, changes and price drops for Wisr
Historical stock prices
Current Share PriceAU$0.29
52 Week HighAU$0.17
52 Week LowAU$0.34
Beta1.38
1 Month Change11.54%
3 Month Change3.57%
1 Year Change34.88%
3 Year Change468.63%
5 Year Change866.67%
Change since IPO65.71%

Recent News & Updates

Feb 23
Loss-Making Wisr Limited (ASX:WZR) Expected To Breakeven In The Medium-Term

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

WZRAU Consumer FinanceAU Market
7D5.5%2.2%1.7%
1Y34.9%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

Is WZR's price volatile compared to industry and market?
WZR volatility
WZR Beta1.38
Industry Beta1.96
Market Beta1

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

FoundedEmployeesCEOWebsite
1966n/aAnthony Nanteshttps://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

How do Wisr's earnings and revenue compare to its market cap?
WZR fundamental statistics
Market CapAU$379.74m
Earnings (TTM)-AU$17.64m
Revenue (TTM)AU$11.70m

33.6x

P/S Ratio

-22.3x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
WZR income statement (TTM)
RevenueAU$11.70m
Cost of RevenueAU$3.07m
Gross ProfitAU$8.63m
ExpensesAU$26.27m
Earnings-AU$17.64m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.013
Gross Margin73.77%
Net Profit Margin-150.81%
Debt/Equity Ratio543.2%

How did WZR perform over the long term?

See historical performance and comparison

Valuation

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/19 07:04
End of Day Share Price2021/10/19 00:00
Earnings2021/06/30
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.