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Emerging from the dust of the previous financial technology (fintech) boom, we observe the rebirth of one company at a pivotal inflection point in its growth. Raiz Invest (ASX:RZI) is a 'fintech' company with a mobile application platform, enabling Australian retail investors access to a range of online financial products including custom portfolios and investments solutions.

Investor Highlights

• High-Growth Business Model with Consistent Improvement – FY25 Revenue of ~A$24m. Full Annual Recurring Revenue (ARR) mix with a 100% increase in net in-flows with Average Revenue Per User (ARPU) increasing 8.5% from pcp. 54% in cash from FY24 with a 147% increase to $2.8m EBITDA in FY25. Funds under Management (FUM) has grown 30% in FY25. Growth continues to be driven by strong customer acquisitions across all segments and multiple periods.
  
  
• Proven Market Leader– Serving over 300,000 Australians with their investments, offering greater accessibility to fractional investing across multiple use-cases. Management notes a domestic market of more than 10.2m Australian investors.
  
  
• All-In-One Platform -RZI provide multiple products in just 1 application, enabling access to new cross-selling opportunities of their current and prospective product suite.
  
  
• Strategic Partnershipwith ‘Blue-Chip’ Backing - Equity Investment and partnership with State Street (NYSE: STT). This partnership offers RZI the potential to further expand the core offering – enabling access to a greater range of investment products and tools for RZI investors.
  
  - STT are one of the largest asset managers worldwide, with more than US$4 trillion of FUM and a US$20bn market capitalisation.
 
• Continued Growth Prospects –Multiple product launches for new offerings, broadening RZI’s investor base and enabling opportunities to cross-sell new products, bolstering ARPU even more.
  
  
• Inflection Point for Positive Earnings – Net Income increase of 83% YoY to -$0.3m, up from -$1.86m in FY24.
  
  
• No Debt- RZI operates with no borrowings, enabling investors access to a de-risked growth story. 

Want the Full Picture?

👉 BPC is pleased to introduce our latest desk note on Raiz Invest Limited.

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