ASX:WZR

Stock Analysis Report

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Executive Summary

Wisr Limited engages in the lending business in Australia. More Details


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's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-2.8%

WZR

-2.6%

AU Consumer Finance

-0.3%

AU Market


1 Year Return

20.7%

WZR

-18.0%

AU Consumer Finance

-11.1%

AU Market

Return vs Industry: WZR exceeded the Australian Consumer Finance industry which returned -10.9% over the past year.

Return vs Market: WZR exceeded the Australian Market which returned -10.6% over the past year.


Shareholder returns

WZRIndustryMarket
7 Day-2.8%-2.6%-0.3%
30 Day-31.4%-19.2%-4.2%
90 Day-22.2%4.9%1.6%
1 Year20.7%20.7%-17.2%-18.0%-7.8%-11.1%
3 Year430.3%430.3%44.0%32.7%17.1%2.1%
5 Year29.6%29.6%81.8%54.0%43.1%13.0%

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 compared to its fair value and its price relative to the market?

5.15x

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 (5.2x) compared to the AU Consumer Finance industry average (2x).


Next Steps

Future Growth

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

57.2%

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 (64.6% per year) is forecast to grow faster than the Australian market (4.4% per year).

High Growth Revenue: WZR's revenue (64.6% 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$3.2M).

Long Term Liabilities: WZR's short term assets (A$125.5M) exceed its long term liabilities (A$86.8M).


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?

2.8yrs

Average management tenure


CEO

Anthony Nantes

4yrs

Tenure

AU$768,464

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 ($USD553.77K) is above average for companies of similar size in the Australian market ($USD277.06K).

Compensation vs Earnings: Anthony's compensation has increased whilst the company is unprofitable.


Leadership Team

NamePositionTenureCompensationOwnership
John Nantes
Executive Chairman4.25yrsAU$101.02k1.2%
A$ 2.3m
Anthony Nantes
Chief Executive Officer4yrsAU$768.46k2.64%
A$ 5.1m
Andrew Goodwin
Chief Financial Officer3.33yrsAU$471.68k0.62%
A$ 1.2m
Mathew Lu
Chief Operating Officer2.33yrsAU$205.94k0.018%
A$ 35.0k
Jason Chisholm
Chief Technology Officerno datano datano data
James Goodwin
Chief Marketing Officerno datano datano data
Peter Beaumont
Chief Risk Officer2.33yrsAU$261.31k0.77%
A$ 1.5m
Karen Taylor
Head of Partnershipsno datano datano data
Joanne Edwards
Chief Risk and Data Officer0.67yrno datano data
Ben Berger
Chief Product Officerno datano datano data
Lili Sussman
Chief Strategy Officerno datano datano data
May Ho
Joint Company Secretary5.17yrsno datano data

2.8yrs

Average Tenure

Experienced Management: WZR's management team is considered experienced (2.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
John Nantes
Executive Chairman4.25yrsAU$101.02k1.2%
A$ 2.3m
Christopher Whitehead
Non-Executive Director5yrsAU$60.38k0.53%
A$ 1.0m
Craig Swanger
Non Executive Director5.17yrsAU$60.09k0.36%
A$ 685.4k

5.0yrs

Average Tenure

Experienced Board: WZR's board of directors are considered experienced (5 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 32.4%.


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$191.525m
  • Shares outstanding: 1.09b
  • 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
WZRCHIA (Chi-X Australia)YesOrdinary SharesAUAUDDec 2013

Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/24 19:03
End of Day Share Price2020/09/24 00:00
Earnings2020/06/30
Annual Earnings2020/06/30


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.