Wisr Limited (WZR) Fair Value & Analysis
Financial Services · AU · Market cap A$37.0M
Fair value as of: Jul 18, 2026
From 1 valuation models · updated 23 days ago
Fair value updated Jul 18, 2026, revised from A$0.0189 to A$0.0213 (+12.9%) since Jun 26, 2026. Share price +52.6% over the past month.
Below-average quality, and screening another 27% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (A$0.0230). The favourable scenario is already priced in.
- Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
60‑month range A$0.0170 – A$0.3350 · fair‑value band A$0.0193 – A$0.0230 · the A$0.0290 price screens above the A$0.0213 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Analysis
Wisr Limited (WZR) currently trades at A$0.0290, while our model-based Fair Value estimate is A$0.0213, implying the stock looks roughly 26.6% overvalued today. The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Wisr Limited generated revenue of A$25.1M at a net margin of -35.8%. Revenue declined 4.9% year over year. It earns a return on equity of -22.5%. Net debt stands at A$794M. Fundamentals as of Jul 18, 2026
Our scenario range runs from A$0.0193 (bear case) to A$0.0230 (bull case); at A$0.0290, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 31% below its 52-week high and 123% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -27%, WZR screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 31
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Wisr Limited engages in the lending business in Australia. The company provides 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 …
Full company description
Wisr Limited engages in the lending business in Australia. The company provides 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Wisr Limited reported revenue of A$1.6M in FY2025 versus A$27.2M in FY2021, a compound −50.9%/yr. Reported net income was −A$7.3M in FY2025.
WZR screens 27% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 331 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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