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Weaver Fintech Ltd.

Weaver Fintech Ltd.

JJSE:WVR
5,296.00
ZAC
+596.00
(+12.68%)
581.50BMarket Cap
Weaver Fintech Ltd.
JSE:WVR
(Johannesburg Stock Exchange)

Recent

price

5,296.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
ZAR
9.23
19.43
11.8
14.63
28.78
31.16
33.38
31.45
32.84
34.99
35.2
42.36
51.8
- -
Revenue per Share
3.07
3.53
3.89
4.15
4.94
5.07
4.36
1.6
1.6
2.95
3.21
3.95
3.84
- -
Basic EPS, GAAP
-0.03
0.19
0.06
0.32
1.05
1.06
0.56
3.54
-2.13
-4.51
-1.31
-8.65
-8.24
- -
Free Cash Flow per Basic Share
0.94
0.66
2.25
1.55
1.68
2.04
1.87
- -
0.48
0.86
1.49
1.82
2.4
- -
Dividend per Share
12.38
15.6
17.19
19.66
22.78
25.73
28.22
29.91
31.36
33.26
35.03
37.02
37.71
38.95
Book Value per Share
11.79
14.7
16.19
18.78
21.96
24.62
26.61
27.9
29.52
31.47
32.95
34.68
35.93
36.86
Tangible Book Value per Share
101
101
101
102
104
104
104
104
105
104
104
105
105
106
Basic Weighted Avg Shares
930
1,959
1,197
1,498
2,993
3,247
3,484
3,275
3,432
3,651
3,672
4,427
5,455
- -
Sales/Revenue/Turnover
47.14
27.15
48.64
42.78
41.6
40.81
40.1
35.18
37.24
42.18
46.49
50.78
56.33
- -
Operating Margin (%)
14
23
53
55
58
59
73
86
104
107
95
107
103
- -
Depreciation Expense
309
355
395
425
514
528
455
167
167
308
335
413
404
- -
Net Income, GAAP
28.23
28.8
28.24
27.4
22
21.89
21.82
8.24
5.11
15.17
17.01
20.5
16.43
- -
Effective Tax Rate (%)
33.27
18.14
32.96
28.37
17.17
16.26
13.06
5.1
4.87
8.44
9.12
9.33
7.41
- -
Profit Margin (%)
1,160
1,523
1,470
2,161
2,556
2,907
2,862
3,345
3,565
4,188
4,758
5,905
7,420
7,954
Working Capital
188
266
164
579
616
756
594
981
1,083
1,502
1,986
3,051
4,413
4,914
LT Debt
1,286
1,578
1,751
2,023
2,373
2,684
2,946
3,116
3,263
3,462
3,639
3,857
3,990
4,121
Total Equity
- -
21.65
19.94
18.43
21.14
21.04
16
7.2
7.09
9.07
9.43
10.2
10.28
- -
Return on Invested Capital (%)
- -
21.7
20.03
18.53
19.39
17.82
14.18
6.19
5.95
8.87
9.91
10.42
9.66
- -
Return on Capital (%)
- -
24.81
23.7
22.51
23.38
20.88
16.16
5.51
5.24
9.15
9.41
10.97
10.27
- -
Return on Common Equity (%)

Capital Structure

ZAR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
ST Debt
276
148
64
LT Borrowings
3,476
4,295
4,806
LT Finance Leases
63
118
108
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
105
106
106
Market Capitalization
- -
6,850
5,815

Working Capital

ZAR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
Total Current Assets
7,431
8,337
8,573
Cash, Cash Equivalents & STI
161
269
304
Accounts Receivable, Net
6,740
7,522
7,759
Inventories
338
325
314
Total Current Liabilities
878
917
619
Payables & Accruals
- -
- -
- -
ST Debt
276
148
64
Deferred Revenue
- -
- -
- -

Growth Rates

ZAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.68%
5.07%
3.45%
Free Cash Flow
164.1%
87.15%
-3.98%
Net Income, GAAP
- -
- -
-2.18%
Sales/Revenue/Turnover
19.03%
11.11%
23.22%
Total Cash Common Dividend
- -
- -
33.16%

Semi-annual Revenue

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
4,427
2025
- -
- -
5,455
2026
- -
- -
- -

Semi-annual Earnings Per Share

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
3.95
2025
- -
- -
3.84
2026
- -
- -
- -

Semi-annual Dividends Per Share

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
1.82
2025
- -
- -
2.4
2026
- -
- -
- -
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Business
HomeChoice International plc, renamed Weaver Fintech Ltd in July 2025, operates as a fintech and omni-channel retail group serving over 3.1 million customers across South Africa and southern Africa. The company began in 1985 as a direct-marketing homewares retailer, pioneering credit access in underserved markets, and has evolved into a profitable, high-growth fintech business now primarily driving group performance. Weaver Fintech operates two main divisions: the fintech business comprising FinChoice and PayJustNow brands, which provide digital payments, lending, and insurance solutions; and the retail business trading under the HomeChoice brand, offering homeware textiles, electronics, home appliances, apparel, and footwear through online platforms, call centers, showrooms, and sales networks. The fintech vertical includes PayJustNow’s market-leading interest-free buy now pay later product and PayStretch for higher value purchases with extended repayment terms. FinChoice offers personal loans ranging from 6 to 36 months, a credit-backed wallet called MobiMoney, and plans to launch a virtual card, enhancing the digital ecosystem. Insurance products are integrated digitally or offered in-flow. The group's fintech business accounts for more than 90% of group profits, with consistent revenue and profit compound annual growth rates exceeding 30% over the past five years. Recent changes include the corporate rebranding from HomeChoice International plc to Weaver Fintech Ltd to reflect the strategic shift toward fintech as the core business focus. The group’s shares began trading under the new name and ticker (WVR) on the Johannesburg Stock Exchange in July 2025. This rebranding signals expansion in the digital financial services ecosystem targeted at the urban African mass market, primarily women in the middle-income segment. The company is headquartered in Qormi, Malta, with significant operations in South Africa and Mauritius. Weaver Fintech Ltd targets a growing network of more than 3,000 merchant partners and a customer base that exceeds three million, delivering financial inclusion through smart, integrated fintech solutions alongside retail offerings. The company combines digital innovation, customer-centric services, and financial products tailored to underserved and emerging consumer segments in southern Africa’s retail and financial services markets. Its dual focus on fintech and retail positions the group for continued growth in both sectors.