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Wisr Ltd (WZR) fair value: what the stock is really worth

As of Nov 11, 2026: fair value (intrinsic value) of Wisr Ltd stock A$0.04, price A$0.04, that is 9.4% below the price, quality 38 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 AU0000004129

WL Wisr Ltd logo Thin data Nov 10, 2026

Wisr Ltd

WZR · AU
Expensive, weak quality

Our calculation puts a fair price 9% below what the stock costs today.

Revenue last quarter +24% vs. a year ago.
Mixed Growth (revenue 5y +31.9 %/yr in AUD)
Fair value A$0.0372 · Overvalued
Quality 38/100
Loss-making · -23.9% net margin (TTM)
Trails peers (3/12)
Narrow moat 9/100 · thin data
Thin data
Estimate
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What runs behind every stock

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

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

A$0.3150 A$0.0170 Fair Value A$0.0372 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$0.0170 – A$0.3150 · fair‑value band A$0.0339 – A$0.0405 · the A$0.0410 price screens above the A$0.0372 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

Wisr Limited engages in the lending business in Australia.

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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.

Stock analysis

Wisr Ltd (WZR) currently trades at A$0.0410, while our estimate is A$0.0372, 9% 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$0.0339 (bear) to A$0.0405 (bull), the price of A$0.0410 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 38/100 (below-average quality), in the Financial Services sector.

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

Wisr Ltd reported revenue of A$109M in FY2026 versus A$59.4M in FY2022, a compound +16.4%/yr. Reported net income was −A$6.7M in FY2026.

Key figures

Market cap A$72.3M (≈ $49.7M) Micro · P/S ratio 2.38 · Net margin −6.2% · Return on equity −19.7% · Return on assets (EBIT) 1.3% (5-year average) · Operating margin −14.8% · Revenue growth (YoY) +23.8% · Free cash flow A$13.4M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 9 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 141% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −9%, WZR screens richer than that median.

Fair Value

Bear A$0.0339 Fair Value A$0.0372 Bull A$0.0405
Price A$0.0410 · Downside -9.4%
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 38/100

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

Profitability 6
How much profit the company makes from its sales and capital
Quality Growth 70
Are margins and returns getting better?
Cashflow 69
Do the profits arrive as real cash?
Financial strength 24
Debt, balance sheet and risk of trouble
Investment 90
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 79
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 82
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

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. 59/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+5.8%
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.
+31.9%
Start year 2021 (pandemic). Over 10 years: +57.5% a year
Revenue growth 37 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.
+5.4%
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.
−38.1% (2021) → 55.9% (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

WZR screens overvalued: fair value 9% below the price. Compare with Visa Inc →

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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.Credit Services · 325 stocks

Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside −9.3% · Below median
Profitability
Return on assets −0.6% · Bottom 25%
Net margin (12 months) −23.9% · Bottom 25%
Operating margin (12 months) −14.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 23.8% · Above median
Balance sheet
Debt / equity 20.09× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.75× · Pricier than median
P/S (12 months) 2.57× · Cheaper than median
Price / free cash flow (fiscal year) 5.4× · Cheaper than median
EV/EBITDA 12.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)21 · sector 47
FUTURE (revenue growth)100 · sector 55
PAST (return on equity)0 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 63

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs WZR
PayPal Holdings PYPL $58.78 $107.45 +83% vs WZR
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs WZR
Affirm Holdings AFRM $65.95 $74.92 +14% vs WZR
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs WZR
American Express Company AXP $323.46 $210.02 −35% vs WZR
Visa Inc V $423.00 $242.87 −43% vs WZR
Mastercard Incorporated MA $658.84 $360.13 −45% vs WZR
Capital One Financial Corporation COF $195.84 $106.81 −45% vs WZR
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs WZR

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Wisr Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Wisr Ltd Fair Value". https://www.fairvalue-calculator.com/stock/WZR

Frequently asked questions

Is Wisr Ltd (WZR) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is A$0.0372 versus a price of A$0.0410, about 9% lower (overvalued).
What is the fair value of WZR?
Our estimate for Wisr Ltd is A$0.0372 (as of Nov 10, 2026), built from audited fundamentals. The current price: A$0.0410.
What is the quality score of WZR?
Wisr Ltd has a Quality Score of 38/100. 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 Wisr Ltd (WZR)?
Our calculated price target is the estimate of A$0.0372 (as of Nov 10, 2026). Cautious scenario A$0.0339, optimistic scenario A$0.0405. 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 Wisr Ltd stock forecast for 2026?
Our estimate puts fair value at A$0.0372, about 9% lower versus a price of A$0.0410 (overvalued). Cautious scenario A$0.0339, optimistic scenario A$0.0405. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Wisr Ltd (WZR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wisr Ltd it is A$0.0372 per share (as of Nov 10, 2026), against a price of A$0.0410.
Is Wisr Ltd stock overvalued or undervalued in 2026?
As of Nov 10, 2026, WZR trades above its calculated fair value: price A$0.0410, fair value A$0.0372, a gap of about −9% (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 WZR?
No. The price is what the market pays today (A$0.0410); the fair value is what the company's own numbers justify (A$0.0372). For Wisr Ltd the two are A$0.0038 per share apart. That gap is exactly why we show both numbers side by side.
How much is Wisr Ltd worth?
The market values Wisr Ltd at about A$72.3M (market capitalisation, as of Nov 10, 2026). Per share that is A$0.0410; our models calculate a fair value of A$0.0372 per share.
What do the bullish and bearish scenarios say about WZR?
Our models span a range for Wisr Ltd: cautious scenario A$0.0339, base A$0.0372, optimistic A$0.0405 per share (as of Nov 10, 2026, price A$0.0410). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Wisr Ltd (WZR)?
Balance-sheet figures for Wisr Ltd (as of Nov 10, 2026): return on equity −19.7%. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is WZR from its 52-week high?
Wisr Ltd trades at A$0.0410, at its 52-week high of A$0.0410 and 141% above the low of A$0.0170 (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.0372 is for.
Which stocks are comparable to Wisr Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Wisr Ltd stock attractive at the current price?
The data as of Nov 10, 2026: price A$0.0410, calculated fair value A$0.0372 (−9%), Quality Score 38/100. 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. Wisr 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 Wisr Ltd (WZR)?
The closing price on Nov 11, 2026 was A$0.0410. Our estimate is A$0.0372, about 9% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wisr Ltd right now?
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 Wisr Ltd

How large is the market capitalisation of Wisr Ltd (WZR)?
The market capitalisation of Wisr Ltd is A$72.3M (≈ $49.7M). 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 Wisr Ltd (WZR)?
The price-to-sales ratio of Wisr Ltd is 2.38 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Wisr Ltd (WZR)?
The net margin of Wisr Ltd is −6.2% (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 Wisr Ltd (WZR)?
The return on equity (ROE) of Wisr Ltd is −19.7% (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 Wisr Ltd (WZR)?
On an EBIT basis the return on assets of Wisr Ltd is 1.3% (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 Wisr Ltd (WZR)?
The operating margin of Wisr Ltd is −14.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Wisr Ltd (WZR)?
Revenue at Wisr Ltd is growing +23.8% versus a year earlier (3y avg +5.8%). 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 Wisr Ltd (WZR) generate?
The free cash flow of Wisr Ltd is A$13.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Wisr Ltd (WZR) carry?
The net debt of Wisr Ltd is A$1.1B (fiscal year 2026, ≈ 78.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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