Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Raiz Invest's interest coverage with the available data.
Raiz Invest's debt to revenue ratio for the quarter that ended in Dec. 2025 was 0.05.
Altman Z-Score does not apply to banks and insurance companies.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Raiz Invest Ltd has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Raiz Invest's Debt to Revenue Ratio for the quarter that ended in Dec. 2025 is
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Raiz Invest (ASX:RZI) has a Financial Strength of 6 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Raiz Invest and its competitors. This is near median its historical median of 6.00. Over the past decade, Raiz Invest's Financial Strength has ranged from 3.00 to 9.00.
Is Raiz Invest's Financial Strength too high?
Raiz Invest's current Financial Strength of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. Overall, Raiz Invest has a GF Score™ of 42/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Raiz Invest's Financial Strength compare to MSFT and ORCL?
Raiz Invest's Financial Strength of 6 can be compared against companies in the Software industry. Historically, Raiz Invest's own Financial Strength has ranged from 3.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Software company?
A good Financial Strength depends on the Software industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Raiz Invest and its competitors. Raiz Invest's current Financial Strength is 6, which is near median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiz Invest stock overvalued right now?
Based on GuruFocus' analysis, Raiz Invest (ASX:RZI) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.65, compared to a current price of A$0.59 — trading 10% below its estimated fair value. The current Financial Strength is 6, which is near median its 10-year median of 6.00. Raiz Invest's overall GF Score™ is 42/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Raiz Invest (ASX:RZI), the current Financial Strength is 6 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Raiz Invest (ASX:RZI) Overvalued in 2026?
Based on GuruFocus' analysis, Raiz Invest stock appears to be undervalued.
The current stock price of A$0.59 is trading 10% below its estimated GF Value™ of A$0.65.
GuruFocus considers Raiz Invest to be Modestly Undervalued.
Key valuation signals for ASX:RZI:
Financial Strength: 6 (near median its 10-year median of 6.00)
GF Value™: A$0.65 vs. price of A$0.59 (10% below fair value)
No single metric tells the full story. See the ASX:RZI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiz Invest Ltd provides financial services and products through its mobile-first micro-investing platform which offers its customers an easy way to regularly invest either small or large amounts of money using the Raiz mobile application or through the Raiz website in Australia. The company products include Raiz Rewards, Raiz Kids, and Raiz Property Fund.
42GF Score
Get the complete analysis for ASX:RZI
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