Investsmart Group Ltd (INV) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Investsmart Group Ltd A$0.03, price A$0.12, upside -77.8%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range A$0.0830 – A$0.5100 · the A$0.1150 price screens above the A$0.0255 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 2026.
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InvestSMART Group Limited provides financial services and products to retail investors in Australia. It offers fund management, wealth management, and personal insurance products. The company was formerly known as Australasian Wealth Investments Limited and changed its name to InvestSMART Group Limited in May 2016.
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InvestSMART Group Limited provides financial services and products to retail investors in Australia. It offers fund management, wealth management, and personal insurance products. 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$0.1150, while our model-based Fair Value estimate is A$0.0255, implying the stock looks roughly 351.1% overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of A$0.1100 per share, and 1 of the 12 models we run sit above the A$0.1150 price.
Bear case: the Earnings-Based group reads lowest at A$0.0100, and 11 of the 12 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Investsmart Group Ltd reported revenue of A$10.2M in FY2025 versus A$8.4M in FY2021, a compound +5.0%/yr. Reported net income was A$200K in FY2025, compounding +53.8%/yr from FY2021.
Key figures
Market cap A$19.9M (≈ $14.0M) · P/E ratio 0.3 · EPS (TTM) A$0.4200 · Dividend yield 0.7% · Net margin 2.0% · Return on equity 1.8% · Return on assets (EBIT) −4.6% · Operating margin −10.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 32% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at −78%, INV screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (A$0.0100 to A$0.1200). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear A$0.0255Fair Value A$0.0255Bull A$0.0255
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (A$0.4200 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+2.7%
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.
+3.2%
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.
−0.6%
Start year 2020 (pandemic). Over 10 years: +2.0% a year
Revenue growth 23 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.
+2.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+40.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+40.1%
Dividend (yield on the price)0.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.40% vs 0%, picking up
Profit margin 2002 to 2024 ⓘ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.111% → −10%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−6.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about −8.9% a year for the price.
Price, fair value, quality and upside side by side.
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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 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside−78% · Bottom 25%
Profitability
Return on equity (TTM)2% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)1% · Bottom 25%
Operating margin (TTM)−10% · Bottom 25%
Growth and dividend
Revenue growth6% · Below median
Dividend yield (TTM)0.7% · Bottom 25%
Balance sheet
Debt / equity0.03× · Lowest 25%
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
P/E (TTM)0.3× · Cheapest 25%
P/FCF16.9× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 10
FUTURE (revenue growth)31· sector 39
PAST (return on equity)7· sector 30
HEALTH (low debt)99· sector 83
DIVIDEND (yield)14· sector 54
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Sep 23, 2026, our model estimates a fair value of A$0.0255 versus a price of A$0.1150, about −78% upside (overvalued).
What is the fair value of INV?
Our model-based fair value for Investsmart Group Ltd is A$0.0255 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$0.1150.
What is the quality score of INV?
Investsmart Group Ltd has a Quality Score of 53/100. 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 model-based price target is the fair value of A$0.0255 (as of Sep 23, 2026) from 12 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Investsmart Group Ltd stock forecast for 2026?
Our models put fair value at A$0.0255, about −78% upside versus a price of A$0.1150 (overvalued). 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$10.5M (latest available figure, as of Sep 23, 2026).
Does Investsmart Group Ltd pay a dividend?
Investsmart Group Ltd currently shows a dividend yield of about 0.69% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Investsmart Group Ltd (INV)?
For today's price to be fair in a discounted-cash-flow model, Investsmart Group Ltd would have to grow free cash flow by -6.2 % per year for five years (discount rate 8.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.6 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of INV use?
Our models discount Investsmart Group Ltd at 8.3 %: a base by market capitalisation (nano), damped by beta 0.24, country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Investsmart Group Ltd that is -6.2 % per year a year over ten years, using the same discount rate (8.3 %) and the same formula as our fair value.
How much growth has Investsmart Group Ltd (INV) delivered so far?
Over the past 5 years revenue at Investsmart Group Ltd grew -0.6 % a year. The price currently implies -6.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Investsmart Group Ltd (INV) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Investsmart Group Ltd (-6.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Investsmart Group Ltd (INV)?
The free-cash-flow yield on the price is 5.07 %: that much free cash flow Investsmart Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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$0.0255 per share (as of Sep 23, 2026), against a price of A$0.1150. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Investsmart Group Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, INV trades above its calculated fair value: price A$0.1150, fair value A$0.0255, a gap of about −78% (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$0.1150); the fair value is what the company's own numbers justify (A$0.0255). For Investsmart Group Ltd the two are A$0.0895 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$19.9M (market capitalisation, as of Sep 23, 2026). Per share that is A$0.1150; our models calculate a fair value of A$0.0255 per share.
What is the P/E ratio of INV?
Investsmart Group Ltd trades at a price-to-earnings ratio of 0.3 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.0255 is built from several models across several years.
How solid is the balance sheet of Investsmart Group Ltd (INV)?
Balance-sheet figures for Investsmart Group Ltd (as of Sep 23, 2026): return on equity 1.8%, debt of 0.03 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is INV from its 52-week high?
Investsmart Group Ltd trades at A$0.1150, about 32% below its 52-week high of A$0.1700 and 39% above the low of A$0.0830 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.0255 is for.
Which stocks are comparable to Investsmart Group Ltd?
From the same area (Financial Services) we also value ORIX Corporation, Bajaj Finserv Ltd, China Galaxy Securities Co, Guosen 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 Sep 23, 2026: price A$0.1150, calculated fair value A$0.0255 (−78%), Quality Score 53/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of INV calculated?
We run Investsmart Group Ltd through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of A$0.0255, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % 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 Sep 22, 2026 was A$0.1150. Our model-based fair value is A$0.0255, about −78% upside (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$0.0255). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. 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$19.9M (≈ $14.0M). 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 are the earnings per share of Investsmart Group Ltd (INV)?
Earnings per share at Investsmart Group Ltd are A$0.4200 (price ÷ EPS = P/E 0.3). 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 0.7% (payout 0.2%). 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 2.0% (fiscal year 2025). 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 1.8% (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 −4.6% (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 −10.1% (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 +6.2% versus a year earlier (3y avg +3.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does Investsmart Group Ltd (INV) hold?
Investsmart Group Ltd holds more cash than debt, A$8.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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