Wisr Ltd (WZR) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Wisr Ltd A$0.02, price A$0.03, upside -23.4%, quality 40 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$0.0170 – A$0.3150 · the A$0.0320 price screens above the A$0.0245 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Wisr Limited engages in the lending business in Australia.
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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.
Stock analysis
Wisr Ltd (WZR) currently trades at A$0.0320, while our model-based Fair Value estimate is A$0.0245, implying the stock looks roughly 30.6% overvalued today.
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Valuation
How firm this estimate is: it rests on 6 models at a data quality of 95/100, which puts the evidence level at low.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Wisr Ltd 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.
Key figures
Market cap A$44.4M (≈ $31.1M) · P/S ratio 1.47 · EPS (TTM) A$−0.0100 · Net margin −35.8% · Return on equity −22.5% · Return on assets (EBIT) −0.1% · Operating margin −35.0% · Revenue growth (YoY) −4.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 88% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −23%, WZR screens cheaper than that median.
Fair Value models
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.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.9/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−98.3%
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.
−70.2%
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.
−26.1%
Start year 2020 (pandemic)
Revenue growth 36 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.
−6.2%
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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.
−317.2% (2020) → −459.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+39.4%
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 +35.4% 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.Credit Services · 331 stocks
Beats the industry median on 1/11 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside−23% · Below median
Profitability
Return on assets−1% · Bottom 25%
Net margin (TTM)−36% · Bottom 25%
Operating margin (TTM)−35% · Bottom 25%
Growth and dividend
Revenue growth−5% · Below median
Balance sheet
Debt / equity31.10× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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). "Wisr Ltd Fair Value". https://www.fairvalue-calculator.com/stock/WZR
Frequently asked questions
Is Wisr Ltd (WZR) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$0.0245 versus a price of A$0.0320, about −23% upside (overvalued).
What is the fair value of WZR?
Our model-based fair value for Wisr Ltd is A$0.0245 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$0.0320.
What is the quality score of WZR?
Wisr Ltd has a Quality Score of 40/100. 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 model-based price target is the fair value of A$0.0245 (as of Sep 23, 2026) from 1 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Wisr Ltd stock forecast for 2026?
Our models put fair value at A$0.0245, about −23% upside versus a price of A$0.0320 (overvalued). The calculation is refreshed regularly with new filings.
What growth is priced into Wisr Ltd (WZR)?
For today's price to be fair in a discounted-cash-flow model, Wisr Ltd would have to grow free cash flow by +39.4 % per year for five years (discount rate 11.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -26.1 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of WZR use?
Our models discount Wisr Ltd at 11.4 %: a base by market capitalisation (nano), damped by beta 1.78, 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 Wisr Ltd that is +39.4 % per year a year over ten years, using the same discount rate (11.4 %) and the same formula as our fair value.
How much growth has Wisr Ltd (WZR) delivered so far?
Over the past 5 years revenue at Wisr Ltd grew -26.1 % a year. The price currently implies +39.4 % 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 Wisr Ltd (WZR) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Wisr Ltd (+39.4 % 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 Wisr Ltd (WZR)?
The free-cash-flow yield on the price is 26.00 %: that much free cash flow Wisr Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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$0.0245 per share (as of Sep 23, 2026), against a price of A$0.0320. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Wisr Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, WZR trades above its calculated fair value: price A$0.0320, fair value A$0.0245, 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 WZR?
No. The price is what the market pays today (A$0.0320); the fair value is what the company's own numbers justify (A$0.0245). For Wisr Ltd the two are A$0.0075 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$44.4M (market capitalisation, as of Sep 23, 2026). Per share that is A$0.0320; our models calculate a fair value of A$0.0245 per share.
How solid is the balance sheet of Wisr Ltd (WZR)?
Balance-sheet figures for Wisr Ltd (as of Sep 23, 2026): return on equity −22.5%. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is WZR from its 52-week high?
Wisr Ltd trades at A$0.0320, about 14% below its 52-week high of A$0.0370 and 88% above the low of A$0.0170 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.0245 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 Sep 23, 2026: price A$0.0320, calculated fair value A$0.0245 (−23%), Quality Score 40/100, from 1 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 WZR calculated?
We run Wisr Ltd through 1 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$0.0245, 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 14.0 % 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 Sep 24, 2026 was A$0.0320. Our model-based fair value is A$0.0245, about −23% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wisr Ltd right now?
Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. 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$44.4M (≈ $31.1M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Wisr Ltd (WZR)?
The price-to-sales ratio of Wisr Ltd is 1.47 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Wisr Ltd (WZR)?
Earnings per share at Wisr Ltd are A$−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Wisr Ltd (WZR)?
The net margin of Wisr Ltd is −35.8% (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 Wisr Ltd (WZR)?
The return on equity (ROE) of Wisr Ltd is −22.5% (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 −0.1% (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 −35.0% (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 −4.9% versus a year earlier (3y avg −70.2%). 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 debt does Wisr Ltd (WZR) carry?
The net debt of Wisr Ltd is A$794M (fiscal year 2025, ≈ 68.8 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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