RAIZ Invest Ltd (RZI) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of RAIZ Invest Ltd stock A$0.81, price A$0.42, upside +95.2%, quality 62 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range A$0.3000 – A$1.98 · fair‑value band A$0.4530 – A$1.27 · the A$0.4150 price screens below the A$0.8100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Raiz Invest Limited provides financial services and products through its mobile micro investing platform in Australia. Its platform enables customers to save and invest money through the Raiz mobile application and website.
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The company offers various products, including Raiz rewards, Raiz kids, Raiz property fund, and offsetters, as well as jars on its platform. Raiz Invest Limited was incorporated in 2016 and is based in Sydney, Australia.
Stock analysis
RAIZ Invest Ltd (RZI) currently trades at A$0.4150, while our model-based Fair Value estimate is A$0.8100, implying the stock looks roughly 49% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of A$1.21 per share, and 8 of the 11 models we run sit above the A$0.4150 price.
Bear case: the Asset-Based group reads lowest at A$0.0900, and 3 of the 11 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$0.4530 (bear) to A$1.27 (bull), the price of A$0.4150 sits below 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 62/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
RAIZ Invest Ltd reported revenue of A$29.2M in FY2026 versus A$19.3M in FY2022, a compound +10.9%/yr. Reported net income was A$3.5M in FY2026.
Key figures
Market cap A$43.7M (≈ $30.2M) Micro · P/E ratio 13.8 · P/S ratio 1.50 · EPS (TTM) A$0.0300 · Net margin 12.1% · Return on equity 8.4% · Return on assets (EBIT) −4.9% (5-year average) · Operating margin −2.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 40 out of 100 (low confidence).
What moves the price
The share trades about 56% below its 52-week high and 38% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 95%, RZI screens cheaper than that median.
Fair Value models
BearA$0.4530Fair Value A$0.8100BullA$1.27
Price A$0.4150 · Upside +95.2%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then (A$0.0108 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+21.4%
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.
+15.1%
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.
+15.9%
Start year 2021 (pandemic). Over 10 years: +68.9% a year
Revenue growth 10 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.
+68.9%
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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.
−33.2% (2021) → 1.7% (2026)
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).
−13.3%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −15.8% 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.Software - Infrastructure · 346 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score62 · Above median
Fair Value upside+95.2% · Top 25%
Profitability
Return on equity (12 months)8.4% · Above median
Return on assets6.6% · Above median
Net margin (12 months)12.1% · Above median
Operating margin (12 months)−2.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)19.1% · Above median
Balance sheet
Debt / equity0.04× · Below median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
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Is RAIZ Invest Ltd (RZI) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of A$0.8100 versus a price of A$0.4150, about +95% upside (undervalued).
What is the fair value of RZI?
Our model-based fair value for RAIZ Invest Ltd is A$0.8100 (as of Nov 7, 2026), built from audited fundamentals. The current price: A$0.4150.
What is the quality score of RZI?
RAIZ Invest Ltd has a Quality Score of 62/100. 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 RAIZ Invest Ltd (RZI)?
Our model-based price target is the fair value of A$0.8100 (as of Nov 7, 2026) from 11 valuation models. Cautious scenario A$0.4530, optimistic scenario A$1.27. It is a calculation from audited fundamentals, not an analyst target.
What is the RAIZ Invest Ltd stock forecast for 2026?
Our models put fair value at A$0.8100, about +95% upside versus a price of A$0.4150 (undervalued). Cautious scenario A$0.4530, optimistic scenario A$1.27. The calculation is refreshed regularly with new filings.
What is the revenue of RAIZ Invest Ltd (RZI)?
RAIZ Invest Ltd reported trailing-twelve-month revenue of about A$29.2M (latest available figure, as of Nov 7, 2026).
What growth is priced into RAIZ Invest Ltd (RZI)?
For today's price to be fair in a discounted-cash-flow model, RAIZ Invest Ltd would have to grow free cash flow by -13.3 % per year for five years (discount rate 9.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.9 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of RZI use?
Our models discount RAIZ Invest Ltd at 9.5 %: a base by market capitalisation (nano), damped by beta 0.99, 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 RAIZ Invest Ltd that is -13.3 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.5 %) and the same formula as our fair value.
How much growth has RAIZ Invest Ltd (RZI) delivered so far?
Over the past 5 years revenue at RAIZ Invest Ltd grew +15.9 % a year. The price currently implies free-cash-flow growth of -13.3 % per 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 RAIZ Invest Ltd (RZI) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into RAIZ Invest Ltd (-13.3 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of RAIZ Invest Ltd (RZI)?
The free-cash-flow yield on the price is 11.75 %: that much free cash flow RAIZ Invest Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of RAIZ Invest Ltd (RZI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For RAIZ Invest Ltd it is A$0.8100 per share (as of Nov 7, 2026), against a price of A$0.4150. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is RAIZ Invest Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, RZI trades below its calculated fair value: price A$0.4150, fair value A$0.8100, a gap of about +95% (undervalued). 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 RZI?
No. The price is what the market pays today (A$0.4150); the fair value is what the company's own numbers justify (A$0.8100). For RAIZ Invest Ltd the two are A$0.3950 per share apart. That gap is exactly why we show both numbers side by side.
How much is RAIZ Invest Ltd worth?
The market values RAIZ Invest Ltd at about A$43.7M (market capitalisation, as of Nov 7, 2026). Per share that is A$0.4150; our models calculate a fair value of A$0.8100 per share.
What do the bullish and bearish scenarios say about RZI?
Our models span a range for RAIZ Invest Ltd: cautious scenario A$0.4530, base A$0.8100, optimistic A$1.27 per share (as of Nov 7, 2026, price A$0.4150). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RZI?
RAIZ Invest Ltd trades at a price-to-earnings ratio of 13.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.8100 is built from several models across several years. Other multiples: P/B 1.0, P/S 1.5, EV/EBITDA 33.4.
How solid is the balance sheet of RAIZ Invest Ltd (RZI)?
Balance-sheet figures for RAIZ Invest Ltd (as of Nov 7, 2026): return on equity 8.4%, debt of 0.04 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is RZI from its 52-week high?
RAIZ Invest Ltd trades at A$0.4150, about 56% below its 52-week high of A$0.9400 and 38% above the low of A$0.3000 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.8100 is for.
Which stocks are comparable to RAIZ Invest Ltd?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, 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 RAIZ Invest Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price A$0.4150, calculated fair value A$0.8100 (+95%), Quality Score 62/100, from 11 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 RZI calculated?
We run RAIZ Invest Ltd through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$0.8100 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. RAIZ Invest Ltd currently trades 49% below its own fair value, and the market average says nothing about that. 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 RAIZ Invest Ltd (RZI)?
The closing price on Nov 9, 2026 was A$0.4150. Our model-based fair value is A$0.8100, about +95% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with RAIZ Invest Ltd right now?
The price is below even our cautious bear case (A$0.4530). The market is more pessimistic than our downside scenario. The model range is unusually wide (A$0.4530 to A$1.27). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 quality (62/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of RAIZ Invest Ltd
How large is the market capitalisation of RAIZ Invest Ltd (RZI)?
The market capitalisation of RAIZ Invest Ltd is A$43.7M (≈ $30.2M). 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 RAIZ Invest Ltd (RZI)?
The price-to-sales ratio of RAIZ Invest Ltd is 1.50 (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 RAIZ Invest Ltd (RZI)?
Earnings per share at RAIZ Invest Ltd are A$0.0300 (price ÷ EPS = P/E 13.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of RAIZ Invest Ltd (RZI)?
The net margin of RAIZ Invest Ltd is 12.1% (last twelve months). 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 RAIZ Invest Ltd (RZI)?
The return on equity (ROE) of RAIZ Invest Ltd is 8.4% (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 RAIZ Invest Ltd (RZI)?
On an EBIT basis the return on assets of RAIZ Invest Ltd is −4.9% (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 RAIZ Invest Ltd (RZI)?
The operating margin of RAIZ Invest Ltd is −2.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at RAIZ Invest Ltd (RZI)?
Revenue at RAIZ Invest Ltd is growing +19.1% versus a year earlier (3y avg +15.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at RAIZ Invest Ltd (RZI)?
Earnings per share at RAIZ Invest Ltd are growing −98.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does RAIZ Invest Ltd (RZI) hold?
RAIZ Invest Ltd holds more cash than debt, A$13.4M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 7, 2026