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Investsmart Group Ltd (INV) fair value: what the stock is really worth

As of Nov 11, 2026: fair value (intrinsic value) of Investsmart Group Ltd stock A$0.08, price A$0.11, that is 22.9% below the price, quality 54 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services AU · ISIN AU000000INV5

IG Investsmart Group Ltd logo Thin data Nov 10, 2026

Investsmart Group Ltd

INV · AU
Solid, but expensive

Our calculation puts a fair price 23% below what the stock costs today.

Low debt
Quality 54/100
Mixed Growth (revenue 5y +3.7 %/yr in AUD)
Fair value A$0.0810 · Overvalued
Loss-making · -5.7% net margin (TTM)
Negative free cash flow
Trails peers (3/11)
Narrow moat 16/100 · thin data
Thin data
Estimate⚠ Thinly traded

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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

A$0.5100 A$0.0830 Fair Value A$0.0810 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range A$0.0830 – A$0.5100 · fair‑value band A$0.0607 – A$0.1012 · the A$0.1050 price screens above the A$0.0810 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

InvestSMART Group Limited provides financial services and products to retail investors in Australia. It offers fund management, wealth management, and personal insurance products.

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The company was formerly known as Australasian Wealth Investments Limited and changed its name to InvestSMART Group Limited in May 2016. The company was founded in 1999 and is based in Sydney, Australia.

Stock analysis

Investsmart Group Ltd (INV) currently trades at A$0.1050, while our estimate is A$0.0810, 23% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: A$0.0607 (bear) to A$0.1012 (bull), the price of A$0.1050 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Investsmart Group Ltd reported revenue of A$10.1M in FY2026 versus A$9.3M in FY2022, a compound +2.1%/yr. Reported net income was −A$576K in FY2026.

Key figures

Market cap A$14.9M (≈ $10.2M) Micro · P/S ratio 1.54 · EPS (TTM) A$−0.1600 · Dividend yield 0.9% · Net margin −5.7% · Return on equity −12.4% · Return on assets (EBIT) −5.7% (5-year average) · Operating margin −1.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 16 out of 100 (low confidence).

What moves the price

The share trades about 38% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −42% fair-value upside, at −23%, INV screens cheaper than that median.

Fair Value

Bear A$0.0607 Fair Value A$0.0810 Bull A$0.1012
Price A$0.1050 · Downside -22.9%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 54/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 23
Are margins and returns getting better?
Cashflow 9
Do the profits arrive as real cash?
Financial strength 89
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 45
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 25
Distance to the 52-week high, does not count
New shares 92
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 4/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.7%
Start year 2021 (pandemic). Over 10 years: −2.0% a year
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.5%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−1.9% (2021) → −5.9% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

INV screens overvalued: fair value 23% below the price. Compare with ORIX Corporation →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Financial Conglomerates · 57 stocks

Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 54 · Above median
Fair Value upside −22.9% · Below median
Profitability
Return on assets −6.2% · Bottom 25%
Net margin (12 months) −5.7% · Bottom 25%
Operating margin (12 months) −1.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −7.6% · Below median
Dividend yield (12 months) 0.9% · Bottom 25%
Balance sheet
Debt / equity 0.03× · Lowest 25%

Valuation Multiplesvs Financial Conglomerates median · lower = cheaper

P/B 3.30× · Priciest 25%
P/S (12 months) 1.47× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)3 · sector 24
FUTURE (revenue growth)0 · sector 63
PAST (return on equity)0 · sector 38
HEALTH (low debt)99 · sector 84
DIVIDEND (yield)18 · sector 67

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
ORIX Corporation IX $32.70 $59.50 +82% vs INV
Guosen Securities Co 002736 ¥9.00 ¥15.33 +70% vs INV
China Galaxy Securities Co 601881 ¥11.77 ¥12.36 +5% vs INV
CNPC Capital Company 000617 ¥6.43 ¥6.25 −3% vs INV
Voya Financial, Inc VOYA $104.27 $60.87 −42% vs INV
Aditya Birla Capital Limited ABCAPITAL ₹401.65 ₹217.72 −46% vs INV
Storebrand ASA STB kr 206.40 kr 108.73 −47% vs INV
Bajaj Finserv Ltd BAJAJFINSV ₹1,837 ₹796.21 −57% vs INV
Yuanta Financial Holding 2885 69.10 TWD 23.12 TWD −67% vs INV
Freedom Holding FRHC $165.47 $23.86 −86% vs INV

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Investsmart Group Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Investsmart Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/INV

Frequently asked questions

Is Investsmart Group Ltd (INV) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is A$0.0810 versus a price of A$0.1050, about 23% lower (overvalued).
What is the fair value of INV?
Our estimate for Investsmart Group Ltd is A$0.0810 (as of Nov 10, 2026), built from audited fundamentals. The current price: A$0.1050.
What is the quality score of INV?
Investsmart Group Ltd has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Investsmart Group Ltd (INV)?
Our calculated price target is the estimate of A$0.0810 (as of Nov 10, 2026). Cautious scenario A$0.0607, optimistic scenario A$0.1012. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Investsmart Group Ltd stock forecast for 2026?
Our estimate puts fair value at A$0.0810, about 23% lower versus a price of A$0.1050 (overvalued). Cautious scenario A$0.0607, optimistic scenario A$0.1012. The calculation is refreshed regularly with new filings.
What is the revenue of Investsmart Group Ltd (INV)?
Investsmart Group Ltd reported trailing-twelve-month revenue of about A$10.1M (latest available figure, as of Nov 10, 2026).
Does Investsmart Group Ltd pay a dividend?
Investsmart Group Ltd currently shows a dividend yield of 0.88% relative to its recent price (as of Nov 10, 2026).
How much is the dividend of Investsmart Group Ltd (INV)?
Investsmart Group Ltd has a dividend yield of 0.9%.
What is the intrinsic value of Investsmart Group Ltd (INV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Investsmart Group Ltd it is A$0.0810 per share (as of Nov 10, 2026), against a price of A$0.1050.
Is Investsmart Group Ltd stock overvalued or undervalued in 2026?
As of Nov 10, 2026, INV trades above its calculated fair value: price A$0.1050, fair value A$0.0810, a gap of about −23% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of INV?
No. The price is what the market pays today (A$0.1050); the fair value is what the company's own numbers justify (A$0.0810). For Investsmart Group Ltd the two are A$0.0240 per share apart. That gap is exactly why we show both numbers side by side.
How much is Investsmart Group Ltd worth?
The market values Investsmart Group Ltd at about A$14.9M (market capitalisation, as of Nov 10, 2026). Per share that is A$0.1050; our models calculate a fair value of A$0.0810 per share.
What do the bullish and bearish scenarios say about INV?
Our models span a range for Investsmart Group Ltd: cautious scenario A$0.0607, base A$0.0810, optimistic A$0.1012 per share (as of Nov 10, 2026, price A$0.1050). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Investsmart Group Ltd (INV)?
Balance-sheet figures for Investsmart Group Ltd (as of Nov 10, 2026): return on equity −12.4%, debt of 0.03 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is INV from its 52-week high?
Investsmart Group Ltd trades at A$0.1050, about 38% below its 52-week high of A$0.1700 and 27% above the low of A$0.0830 (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.0810 is for.
Which stocks are comparable to Investsmart Group Ltd?
From the same area (Financial Services) we also value ORIX Corporation, Bajaj Finserv Ltd, Yuanta Financial Holding, China Galaxy Securities Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Investsmart Group Ltd stock attractive at the current price?
The data as of Nov 10, 2026: price A$0.1050, calculated fair value A$0.0810 (−23%), Quality Score 54/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Investsmart Group Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Investsmart Group Ltd (INV)?
The closing price on Nov 11, 2026 was A$0.1050. Our estimate is A$0.0810, about 23% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Investsmart Group Ltd right now?
The price sits above even our optimistic bull case (A$0.1012). The favourable scenario is already priced in. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Investsmart Group Ltd

How large is the market capitalisation of Investsmart Group Ltd (INV)?
The market capitalisation of Investsmart Group Ltd is A$14.9M (≈ $10.2M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Investsmart Group Ltd (INV)?
The price-to-sales ratio of Investsmart Group Ltd is 1.54 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Investsmart Group Ltd (INV)?
Earnings per share at Investsmart Group Ltd are A$−0.1600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Investsmart Group Ltd (INV)?
The dividend yield of Investsmart Group Ltd is 0.9%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Investsmart Group Ltd (INV)?
The net margin of Investsmart Group Ltd is −5.7% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Investsmart Group Ltd (INV)?
The return on equity (ROE) of Investsmart Group Ltd is −12.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Investsmart Group Ltd (INV)?
On an EBIT basis the return on assets of Investsmart Group Ltd is −5.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Investsmart Group Ltd (INV)?
The operating margin of Investsmart Group Ltd is −1.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Investsmart Group Ltd (INV)?
Revenue at Investsmart Group Ltd is growing −7.6% versus a year earlier (3y avg −0.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Investsmart Group Ltd (INV) generate?
The free cash flow of Investsmart Group Ltd is −A$554K (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Investsmart Group Ltd (INV) hold?
Investsmart Group Ltd holds more cash than debt, A$7.7M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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