RAIZ Invest Ltd
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. 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 incorporat… Read more
RAIZ Invest Ltd (RZI) - Net Assets
Latest net assets as of December 2025: AU$43.79 Million AUD
Based on the latest financial reports, RAIZ Invest Ltd (RZI) has net assets worth AU$43.79 Million AUD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$50.57 Million) and total liabilities (AU$6.78 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | AU$43.79 Million |
| % of Total Assets | 86.6% |
| Annual Growth Rate | 33.1% |
| 5-Year Change | 7.67% |
| 10-Year Change | N/A |
| Growth Volatility | 227.26 |
RAIZ Invest Ltd - Net Assets Trend (2017–2025)
This chart illustrates how RAIZ Invest Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for RAIZ Invest Ltd (2017–2025)
The table below shows the annual net assets of RAIZ Invest Ltd from 2017 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | AU$40.10 Million | +10.29% |
| 2024-06-30 | AU$36.36 Million | -5.76% |
| 2023-06-30 | AU$38.58 Million | -16.18% |
| 2022-06-30 | AU$46.03 Million | +23.60% |
| 2021-06-30 | AU$37.24 Million | +17.35% |
| 2020-06-30 | AU$31.73 Million | +19.95% |
| 2019-06-30 | AU$26.46 Million | -18.95% |
| 2018-06-30 | AU$32.64 Million | -2.79% |
| 2017-12-31 | AU$33.58 Million | +725.07% |
| 2017-06-30 | AU$4.07 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to RAIZ Invest Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 4559100000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | AU$106.53 Million | 265.66% |
| Other Comprehensive Income | AU$-20.20 Million | -50.37% |
| Total Equity | AU$40.10 Million | 100.00% |
RAIZ Invest Ltd Competitors by Market Cap
The table below lists competitors of RAIZ Invest Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
INC Research Holdings Inc
NASDAQ:INCR
|
$30.19 Million |
|
flyExclusive, Inc.
NYSE MKT:FLYX
|
$30.21 Million |
|
Kyung Nong Corporation
KO:002100
|
$30.22 Million |
|
A1 Yenilenebilir Enerji Üretim A.S.
IS:A1YEN
|
$30.22 Million |
|
Integra Indocabinet Tbk PT
JK:WOOD
|
$30.18 Million |
|
Beforepay Group Ltd
AU:B4P
|
$30.18 Million |
|
Cambuci S.A
SA:CAMB3
|
$30.17 Million |
|
VLS Finance Limited
NSE:VLSFINANCE
|
$30.17 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in RAIZ Invest Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 37,986,000 to 40,099,000, a change of 2,113,000 (5.6%).
- Net loss of 310,000 reduced equity.
- Share repurchases of 4,073,000 reduced equity.
- Other comprehensive income increased equity by 162,000.
- Other factors increased equity by 6,334,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AU$-310.00K | -0.77% |
| Share Repurchases | AU$4.07 Million | -10.16% |
| Other Comprehensive Income | AU$162.00K | +0.4% |
| Other Changes | AU$6.33 Million | +15.8% |
| Total Change | AU$- | 5.56% |
Book Value vs Market Value Analysis
This analysis compares RAIZ Invest Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.51x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.11x to 1.51x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-06-30 | AU$0.28 | AU$0.59 | x |
| 2018-06-30 | AU$2.20 | AU$0.59 | x |
| 2019-06-30 | AU$0.40 | AU$0.59 | x |
| 2020-06-30 | AU$0.44 | AU$0.59 | x |
| 2021-06-30 | AU$0.50 | AU$0.59 | x |
| 2022-06-30 | AU$0.51 | AU$0.59 | x |
| 2023-06-30 | AU$0.44 | AU$0.59 | x |
| 2024-06-30 | AU$0.40 | AU$0.59 | x |
| 2025-06-30 | AU$0.39 | AU$0.59 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently RAIZ Invest Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -0.77%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -1.29%
- • Asset Turnover: 0.51x
- • Equity Multiplier: 1.18x
- Recent ROE (-0.77%) is above the historical average (-10.61%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 24.13% | 12.14% | 0.05x | 41.18x | AU$580.30K |
| 2018 | -26.61% | -927.99% | 0.03x | 1.09x | AU$-11.95 Million |
| 2019 | -26.95% | -151.42% | 0.16x | 1.11x | AU$-9.80 Million |
| 2020 | -14.42% | -44.01% | 0.29x | 1.13x | AU$-7.67 Million |
| 2021 | -9.20% | -25.20% | 0.33x | 1.10x | AU$-7.34 Million |
| 2022 | -20.09% | -49.82% | 0.36x | 1.13x | AU$-14.43 Million |
| 2023 | -16.64% | -35.98% | 0.43x | 1.08x | AU$-11.04 Million |
| 2024 | -4.92% | -8.63% | 0.51x | 1.13x | AU$-5.67 Million |
| 2025 | -0.77% | -1.29% | 0.51x | 1.18x | AU$-4.32 Million |
Industry Comparison
This section compares RAIZ Invest Ltd's net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $168,656,596
- Average return on equity (ROE) among peers: -52.21%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| RAIZ Invest Ltd (RZI) | AU$43.79 Million | 24.13% | 0.15x | $30.18 Million |
| Acusensus Ltd (ACE) | $2.70 Million | -46.46% | 0.26x | $96.85 Million |
| Adslot Ltd (ADS) | $2.04 Million | 9.60% | 1.17x | $1.56 Million |
| Archtis Ltd (AR9) | $6.81 Million | -54.69% | 0.31x | $14.43 Million |
| Adveritas Ltd (AV1) | $7.58 Million | -125.18% | 0.27x | $27.64 Million |
| Beforepay Group Ltd (B4P) | $32.63 Million | -89.31% | 0.77x | $30.18 Million |
| Beonic Ltd (BEO) | $7.06 Million | -149.30% | 2.27x | $2.48 Million |
| Cuscal Ltd (CCL) | $1.60 Billion | 28.06% | 2.48x | $419.52 Million |
| Aucyber Ltd (CYB) | $24.90 Million | -85.46% | 0.36x | $65.69K |
| Decidr Ai Industries Ltd (DAI) | $-213.59K | 0.00% | 0.00x | $20.72 Million |
| Dropsuite Ltd (DSE) | $2.95 Million | -9.33% | 0.03x | $185.00 Million |