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WISR Ltd V.WZR


Primary Symbol: WSRLF

Wisr Limited is an Australia-based neo-lender company. The Company provides a collection of financial products and services. The Company is engaged in writing personal loans and secured vehicle loans for three, five and seven-year maturities to Australian consumers, and funding these loans through the warehouse funding structures. It provides a Financial Wellness Platform underpinned by consumer finance products, the Wisr App. The Wisr App helps Australians pay down debt, multiple credit score comparison services and Australia’s first money-coaching app Wisr Today. Combined with content and other products that use technology to provide better outcomes for borrowers, investors, and everyday Australians. The Company’s products include loans, credit scores and round up. Its credit score is a summary of financial habits, and helps lenders get to know its customers. Its loan products include debt consolidation loans, car loans, medical loans and others.


OTCPK:WSRLF - Post by User

Comment by canadafoxon Mar 10, 2014 3:04pm
246 Views
Post# 22304035

RE:RE:RE:RE:RE:RE:March-April a turning point for WZR

RE:RE:RE:RE:RE:RE:March-April a turning point for WZRTP;  Again, thanks for the effort and here are my comments...

It is misleading IMO to state 'annual' and 'per year' relative to earnings The reason for this is that if your revised initial $$pb  figures are accepted ( they are similar but slightly lower than my own ) then at 15K bbls/day ( hopefully ) there would only be 2 - 3 years of such revenue before current accumulated costs were effectively repaid.  There is approx. $150m - $200m of costs to be recovered under the Garmian PSC.  The revenue pb soon asymtotically and quickly approaches the base Profit Oil %.  This is nominally ( non-DCF ) around $5.50 pb by my calculation.  It is very easy for investors to assume that a $20 pb return should be the basis for valuation if they accept assurances of 'annual run-rate'.  On the figres given it will over-inflate company value by a factor of 400% or so.

I divorce the cash-flow implications of cost recovery ( short-term ) from the overall resource NAV.  If an investor believes that his/her return is going to reflect a buyer's analysis of the NAV then it is this second figure that is important.  This is largely influenced by the plateau Profit Oil pb $$ figure ( $5.50pb non-DCF ) and not that derived from the cost recovery phase.

The initial run-rate is of course very important in WZR's case because we are cash-strapped. Like any business WZR can go under or be eviscerated by a lack of cash even though they have a highly valuable asset(s).  I am not ignoring your initial run-rate figures at all for this reason.

It is also the case that all cash earnings will be spent on development for the foreseeable future.  This is especially the case if WZR have a strategy to be a major producer and not be acquired.  No matter; in the latter a buyer is interested in the asset's value and in the former it turns into a dividend machine.  The market will value WZR in either case on the long-term asset value and that depends on the base PO % return.  IMO.


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