ASX:WZR

Stock Analysis Report

Executive Summary

Wisr Limited engages in the lending business in Australia.

Snowflake

Fundamentals

High growth potential with adequate balance sheet.

Risks

  • Wisr is covered by less than 3 analysts.

Share Price & News

How has Wisr's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-6.7%

ASX:WZR

-0.6%

AU Consumer Finance

1.2%

AU Market


1 Year Return

180.0%

ASX:WZR

32.6%

AU Consumer Finance

6.9%

AU Market

WZR outperformed the Consumer Finance industry which returned 32.6% over the past year.

WZR outperformed the Market in Australia which returned 6.9% over the past year.


Share holder returns

WZRIndustryMarket
7 Day-6.7%-0.6%1.2%
30 Day7.7%13.2%4.9%
90 Day3.7%14.4%1.2%
1 Year180.0%180.0%37.8%32.6%13.1%6.9%
3 Year566.7%566.7%39.9%25.4%41.8%22.7%
5 Yearn/a53.8%19.8%48.2%15.7%

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

Valuation

Is Wisr undervalued based on future cash flows and its price relative to the stock market?

6.6x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Wisr to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Wisr to establish if it is available at substantial discount.


Price Based on Earnings

Wisr is loss making, we can't compare its value to the AU Consumer Finance industry average.

Wisr is loss making, we can't compare the value of its earnings to the Australia market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Wisr, we can't assess if its growth is good value.


Price Based on Value of Assets

Wisr is overvalued based on assets compared to the AU Consumer Finance industry average.


Next Steps

Future Growth

How is Wisr expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

60.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Wisr's revenue is expected to grow significantly at over 20% yearly.

Wisr's earnings are expected to grow significantly at over 20% yearly.

Wisr's revenue growth is expected to exceed the Australia market average.

Wisr's earnings growth is expected to exceed the Australia market average.

Wisr's earnings growth is expected to exceed the low risk savings rate of 2.3%.


Earnings per Share Growth Estimates


Future Return on Equity

Wisr is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Wisr performed over the past 5 years?

0.004%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Wisr does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.

Unable to compare Wisr's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Wisr's 1-year growth to the AU Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Wisr has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Wisr has efficiently used its assets last year compared to the AU Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Wisr improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Wisr's financial position?


Financial Position Analysis

Wisr is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Wisr has no long term commitments.


Debt to Equity History and Analysis

Wisr's level of debt (11.9%) compared to net worth is satisfactory (less than 40%).

Unable to establish if Wisr's debt level has increased without past 5-year debt data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 9.7x debt.


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.

Wisr has sufficient cash runway for 1.2 years based on current free cash flow.

Unable to confirm if Wisr has at least 1 year of cash runway based on growing free cash flows without relevant data.


Next Steps

Dividend

What is Wisr's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Wisr's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Wisr's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Wisr has not reported any payouts.

Unable to verify if Wisr's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Wisr has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Wisr's salary, the management and board of directors tenure and is there insider trading?

2.2yrs

Average management tenure


CEO

Anthony Nantes 0

3yrs

Tenure

AU$633,829

Compensation

Mr. Anthony Nantes has been Chief Executive Officer of DirectMoney Limited since September 29, 2016. Mr. Nantes has a proven track record in technology and business innovation. He served as Chief Operating ...


CEO Compensation Analysis

Anthony's remuneration is higher than average for companies of similar size in Australia.

Anthony's compensation has increased whilst company is loss making.


Management Age and Tenure

2.2yrs

Average Tenure

The tenure for the Wisr management team is about average.


Board Age and Tenure

4.0yrs

Average Tenure

The tenure for the Wisr board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

SellAU$493,57228 Aug 19
Adcock Private Equity Pty Ltd
EntityCompany
Shares3,482,500
Max PriceAU$0.15
BuyAU$817,52022 May 19
Adcock Private Equity Pty Ltd
EntityCompany
Shares12,022,364
Max PriceAU$0.068
SellAU$198,27522 May 19
Adcock Private Equity Pty Ltd
EntityCompany
Shares1,770,900
Max PriceAU$0.12
SellAU$190,00022 May 19
Adcock Private Equity Pty Ltd
EntityCompany
Shares1,938,775
Max PriceAU$0.098
BuyAU$190,00022 May 19
Brook Adcock
EntityIndividual
Shares1,938,775
Max PriceAU$0.098
BuyAU$137,43808 Apr 19
Adcock Private Equity Pty Ltd
EntityCompany
Shares2,526,626
Max PriceAU$0.054
SellAU$343,82508 Apr 19
Adcock Private Equity Pty Ltd
EntityCompany
Shares4,531,389
Max PriceAU$0.076
BuyAU$1,31208 Apr 19
Brook Adcock
EntityIndividual
Shares32,000
Max PriceAU$0.041
BuyAU$1,182,47808 Apr 19
Adcock Private Equity Pty Ltd
EntityCompany
Shares17,389,400
Max PriceAU$0.068
BuyAU$29,11208 Apr 19
Brook Adcock
EntityIndividual
Shares693,176
Max PriceAU$0.042
BuyAU$10,25503 Apr 19
Macquarie Group, Ltd., Banking & Securities Investments
EntityCompany
Shares128,192
Max PriceAU$0.08
BuyAU$68,27414 Dec 18
Brook Adcock
EntityIndividual
Shares1,421,873
Max PriceAU$0.048
BuyAU$247,23814 Dec 18
Adcock Private Equity Pty Ltd
EntityCompany
Shares4,944,784
Max PriceAU$0.05
BuyAU$207,23614 Dec 18
Adcock Private Equity Pty Ltd
EntityCompany
Shares4,000,000
Max PriceAU$0.052

Ownership Breakdown


Management Team

  • Peter Beaumont

    Chief Risk Officer

    • Tenure: 1.3yrs
    • Compensation: AU$261.31k
  • John Nantes

    Executive Chairman

    • Tenure: 3.1yrs
    • Compensation: AU$109.49k
  • Anthony Nantes

    Chief Executive Officer

    • Tenure: 3yrs
    • Compensation: AU$633.83k
  • Dave Russell

    Chief Technology Officer

    • Tenure: 2.2yrs
  • May Ho

    Joint Company Secretary

    • Tenure: 4.2yrs
  • Andrew Goodwin

    Chief Financial Officer

    • Tenure: 2.3yrs
    • Compensation: AU$439.03k
  • Mathew Lu

    Chief Operating Officer

    • Tenure: 1.3yrs
    • Compensation: AU$192.08k
  • James Goodwin

    Chief Marketing Officer

    • Tenure: 0yrs
  • Karen Taylor

    Head of Partnerships

    • Tenure: 0yrs
  • Vanessa Chidrawi

    Company Secretary

    • Tenure: 0.7yrs

Board Members

  • Chris Whitehead (59yo)

    Non-Executive Director

    • Tenure: 4yrs
    • Compensation: AU$63.62k
  • Craig Swanger

    Non Executive Director

    • Tenure: 4.2yrs
    • Compensation: AU$60.79k
  • John Nantes

    Executive Chairman

    • Tenure: 3.1yrs
    • Compensation: AU$109.49k

Company Information

Wisr Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Wisr Limited
  • Ticker: WZR
  • Exchange: ASX
  • Founded:
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: AU$110.431m
  • Shares outstanding: 818.01m
  • Website: https://www.wisr.com.au

Number of Employees


Location

  • Wisr Limited
  • 58 Pitt Street
  • Suite 33
  • Sydney
  • New South Wales
  • 2000
  • Australia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WZRASX (Australian Securities Exchange)YesOrdinary SharesAUAUDDec 2013

Biography

Wisr Limited engages in the lending business in Australia. It offers personal loans with maturities of three to five years. The company also sells these loans to the institutional and wholesale investors,  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/18 10:33
End of Day Share Price2019/09/18 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


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.