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Wisr Limited engages in the lending business in Australia. The company offers personal, debt consolidation, car, wedding, home renovation, travel, electric vehicle, recreational, green, medical, caravan, dental, motorcycle, used car, new car, secured car, cosmetic surgery, car repair, furniture, solar, education, funeral, legal fee, surgery, and jet ski loans. It also operates the Wisr mobile app for credit score monitoring and loan management services. Wisr Limited is based in The Rocks, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Wisr Ltd is an Australian fintech that originates and services personal loans via a digital platform and partner channels. Long-term growth drivers include rising digital credit adoption, cross-sell through distribution partners and use of data-driven underwriting. Investors may view the company as positioned to scale revenue and improve margins if credit performance and funding conditions stabilize.
Key risks are credit losses and provisioning, reliance on wholesale funding and capital markets, strong competition from banks and fintechs, and regulatory or execution uncertainty.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | -6.71M | -7.26M | -8.19M | -13.15M | -19.90M |
| Net income | -6.71M | -7.26M | -8.19M | -13.15M | -19.90M |
| Selling general administrative | 19.82M | 18.92M | 17.86M | 21.90M | 20.04M |
| Selling and marketing expenses | - | 0.86M | 0.30M | 2.26M | 12.09M |
| Gross profit | 82.40M | -54.18M | 71.27M | 91.19M | 59.37M |
| Reconciled depreciation | 2.58M | 1.75M | 1.53M | 0.93M | 0.93M |
| Ebit | 60.80M | 48.50M | 45.65M | 32.96M | -1.24M |
| Ebitda | 63.38M | 50.25M | 47.18M | 33.88M | -0.30M |
| Depreciation and amortization | 2.58M | 1.75M | 1.53M | 0.93M | 0.93M |
| Operating income | 60.80M | -7.26M | -8.19M | 32.96M | -0.00M |
| Other operating expenses | 48.04M | 8.84M | 48.12M | 36.54M | 44.19M |
| Interest expense | 66.85M | 55.76M | 53.84M | 46.11M | 18.67M |
| Tax provision | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Interest income | 1.97M | 1.58M | 1.66M | 46.15M | 0.02M |
| Net interest income | -65.55M | -54.36M | -52.18M | -45.49M | -18.73M |
| Income tax expense | - | - | 0.00M | 44.94M | 17.50M |
| Total revenue | 108.84M | 1.58M | 92.12M | 91.19M | 59.37M |
| Total operating expenses | 21.59M | -46.92M | 25.62M | 58.86M | 59.37M |
| Cost of revenue | 26.44M | 55.76M | 20.85M | - | - |
| Total other income expense net | -67.52M | - | -52.18M | -1.17M | -1.17M |
| Net income from continuing ops | -6.71M | -7.26M | -8.19M | -13.15M | -19.90M |
| Net income applicable to common shares | - | -7.26M | -8.19M | -13.15M | -19.90M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 1186.38M | 871.41M | 838.47M | 1002.08M | 868.07M |
| Intangible assets | 11.09M | 9.37M | - | 7.01M | 2.74M |
| Other current assets | 1.15M | - | 0.89M | 0.03M | 0.03M |
| Total liab | 1145.03M | 844.69M | 790.48M | 934.07M | 790.23M |
| Total stockholder equity | 41.35M | 26.72M | 47.99M | 68.01M | 77.85M |
| Other current liab | 4.64M | - | 1.98M | 2.00M | 4.15M |
| Common stock | 157.23M | - | 145.22M | 144.70M | 144.48M |
| Capital stock | 157.23M | 146.16M | - | 144.70M | 144.48M |
| Retained earnings | -128.82M | -122.20M | -114.95M | -107.27M | -94.54M |
| Other liab | - | - | - | 0.27M | 0.17M |
| Other assets | - | - | 0.00M | 29.40M | 0.56M |
| Cash | 83.91M | 43.64M | 62.36M | 53.58M | 71.49M |
| Total current liabilities | 10.01M | 9.93M | 4.86M | 933.80M | 789.63M |
| Net debt | 1055.74M | 789.63M | 725.46M | 877.92M | 712.00M |
| Short term debt | 4.92M | - | 2.42M | 931.50M | 783.05M |
| Short long term debt | 1136.03M | 2.41M | - | 931.06M | 782.28M |
| Short long term debt total | 1139.65M | - | 787.83M | 931.50M | 783.49M |
| Other stockholder equity | - | - | - | -42.98M | -55.49M |
| Property plant equipment | - | - | - | 0.63M | 1.53M |
| Total current assets | 1152.64M | 857.87M | 802.77M | 965.88M | 838.39M |
| Long term investments | - | - | - | 0.56M | 0.56M |
| Net tangible assets | - | - | - | 61.01M | 75.11M |
| Short term investments | 0.20M | 0.21M | - | 0.06M | 0.08M |
| Net receivables | 1067.58M | 0.00M | 739.52M | 911.25M | 765.90M |
| Long term debt | - | 830.85M | - | 931.06M | 782.28M |
| Inventory | - | - | - | 0.96M | 0.89M |
| Accounts payable | 0.45M | 0.99M | 0.45M | 0.30M | 2.43M |
| Accumulated other comprehensive income | 12.94M | - | 17.72M | 30.58M | 27.91M |
| Non currrent assets other | - | - | 8.66M | -7.63M | -4.26M |
| Non current assets total | 33.74M | 13.53M | 35.70M | 36.20M | 29.68M |
| Capital lease obligations | 3.62M | 4.26M | - | 0.44M | 1.20M |
| Long term debt total | - | - | - | 931.50M | 783.49M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | - | -75.51M | 137.49M | -168.67M | -1.73M |
| Change to liabilities | - | - | - | -3.80M | 1.26M |
| Total cashflows from investing activities | -280.00M | -75.51M | 137.49M | -168.67M | -406.36M |
| Net borrowings | 301.41M | 44.09M | -142.57M | 147.83M | 390.61M |
| Total cash from financing activities | 306.70M | 43.10M | -146.64M | 144.51M | 388.01M |
| Change to operating activities | - | - | - | -0.57M | -4.02M |
| Net income | -6.71M | -7.26M | -8.19M | -13.15M | -19.90M |
| Change in cash | 40.27M | -18.72M | 8.79M | -17.91M | -20.92M |
| Begin period cash flow | 43.64M | 62.36M | 53.58M | 71.49M | 92.41M |
| End period cash flow | 83.91M | 43.64M | 62.36M | 53.58M | 71.49M |
| Total cash from operating activities | 13.56M | 13.69M | 17.94M | 6.25M | -2.58M |
| Issuance of capital stock | 10.58M | - | - | - | - |
| Depreciation | 2.58M | - | 1.53M | 0.80M | 0.76M |
| Other cashflows from investing activities | -276.41M | -75.95M | 137.52M | -0.22M | -403.69M |
| Dividends paid | - | - | - | - | 337.18M |
| Change to account receivables | - | 1.18M | 0.85M | - | - |
| Sale purchase of stock | -0.54M | - | - | -0.15M | -0.15M |
| Other cashflows from financing activities | -0.65M | -1.00M | -4.07M | 151.16M | 671.91M |
| Change to netincome | - | - | - | 23.96M | 18.64M |
| Capital expenditures | 0.14M | 2.15M | 0.03M | 4.31M | 2.67M |
| Change in working capital | -1.62M | 2.44M | 0.95M | - | 0.94M |
| Stock based compensation | - | - | 1.90M | 1.63M | 1.12M |
| Other non cash items | 19.32M | 11.25M | 21.74M | 16.97M | 15.45M |
| Free cash flow | 13.42M | 11.54M | 17.90M | 1.94M | -5.25M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| WZR Wisr Ltd |
-0.00 2.63% |
0.04 | - | - | 2.38 | 1.58 | 10.49 | 17.76 |
| ZIP ZIP Co Ltd |
-0.12 5.61% |
2.02 | 20.10 | 12.32 | 1.87 | 3.53 | 3.52 | 11.32 |
| CCP Credit Corp Group Ltd |
0.07 0.45% |
15.64 | 10.05 | 8.78 | 2.22 | 1.13 | 2.50 | 7.39 |
| LFG Liberty Financial Group |
- -% |
3.35 | 7.13 | 6.71 | 1.63 | 0.86 | 40.84 | 11.07 |
| LFS Latitude Group Holdings Ltd |
0.04 4.22% |
0.86 | 9.22 | - | 1.59 | 0.66 | 6.49 | 13.37 |
Wisr Limited engages in the lending business in Australia. The company offers personal, debt consolidation, car, wedding, home renovation, travel, electric vehicle, recreational, green, medical, caravan, dental, motorcycle, used car, new car, secured car, cosmetic surgery, car repair, furniture, solar, education, funeral, legal fee, surgery, and jet ski loans. It also operates the Wisr mobile app for credit score monitoring and loan management services. Wisr Limited is based in The Rocks, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Anthony Nantes | Chief Exec. Officer | NA |
| Mr. Andrew Goodwin | Chief Financial Officer | NA |
| Mr. Oliver Bladek | Chief Operating Officer | NA |
| Ms. May Ho LLB, B.Bus | Financial Controller, Compliance Officer & Joint Company Sec. | NA |
| Mr. James Goodwin | Chief Marketing Officer | NA |
| Mr. Peter Raymond Beaumont B.Sc., M.B.A. | Chief Commercial Officer | NA |
| Ms. Joanne Edwards | Chief Risk & Data Officer | NA |
| Mr. Ben Berger | Chief Product Officer | NA |
| Dr. Lili Sussman | Chief Strategy Officer | NA |
| Ms. Kate Renner | Head of Employee Experience | NA |
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