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© 2026 Annolyse. Analytical briefings for NZX company announcements.

Table of contents

  1. What changed
  2. What matters
  3. Expectations
  4. Quality of result
  5. Unresolved
  6. Key metrics
  7. Analytical metrics
  8. Metric context
  9. Reference material
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Iperion Limited (Formerly Southern Charter Financial Group) (IPR) / HY24

Cash collapsed to NZ$441 as the loss widened 3.5x to NZ$462.6k

A pre-revenue pivot toward commercial production has exhausted almost all of the liquidity that underwrote management's "strong balance sheet" claim.

Release date
29 November 2023
Published
22 April 2026
Table of Contents⌄
  1. What changed
  2. What matters
  3. Expectations
  4. Quality of result
  5. Unresolved
  6. Key metrics
  7. Analytical metrics
  8. Metric context
  9. Reference material

What changed

Iperion remains pre-revenue at the operating level: both HY24 and HY23 disclose NZ$0 of revenue from continuing operations in the release header. The NZ$20.8k "revenue" line is interest income (HY23: NZ$10.3k), up roughly 102% on the prior period, reflecting interest earned on progressively depleting cash rather than any commercial traction.

Below the line, the deterioration is pronounced. The loss before tax widened from NZ$132.4k to NZ$462.6k, a 249.5% swing, and because no tax was booked in either period NPAT moved identically. Operating cash outflow stepped up from NZ$137.9k to NZ$370.8k, an additional NZ$232.9k of cash burn in six months.

The balance sheet absorbed almost all of that burn:

  • Cash and equivalents fell from NZ$663.9k to NZ$441 – effectively zero.
  • Total assets dropped 33.6% to NZ$1.26m; total equity fell 34.4% to NZ$1.16m.
  • Total liabilities declined NZ$28.9k to NZ$99.5k; no borrowings are disclosed.

What matters

  1. Liquidity is the headline fact. A NZ$441 cash balance against a NZ$370.8k half-year operating outflow implies the company cannot fund even another month of operations at the current run-rate without a capital raise, asset sale, or shareholder support. Management's "strong balance sheet which includes significant cash resources" statement is difficult to reconcile with the disclosed cash position.
  2. Cost base is scaling ahead of any revenue. The loss nearly quadrupled while top-line continuing revenue remained NZ$0. Spend is directed at "manufacturing and product certifications" and sales/marketing activity for a commercial launch that has not yet produced reported revenue.
  3. Equity base is eroding, not growing. Total equity is down NZ$610.3k year on year, broadly tracking cumulative losses. Without fresh capital, the equity runway is short given the current loss trajectory.

Expectations

No quantified guidance, forward-work balance, or commercial revenue target is disclosed. The only forward commentary is qualitative: progressing certifications and moving toward commercial production and sales.

Using the calc pass's FY23 shape, HY23 represented 39.4% of FY23 revenue and 47.3% of FY23 EBITDA and NPAT – i.e. FY23 was second-half weighted on loss. Applied mechanically, HY24's NZ$462.6k loss at a similar shape would imply a full-year loss materially larger than FY23's NZ$280k, but the release does not support a more specific forecast. What the release does not support is any inference that the company is near commercial revenue, break-even cash flow, or funded beyond the near term.

Quality of result

The reported figures are unambiguous but offer little operating signal. Revenue is passive interest income and will fall sharply in H2 because the cash pool that generated it has been consumed. There are no non-recurring items, disposals, or tax effects to normalise: PBT equals NPAT in both periods.

Cash conversion has deteriorated materially – operating outflow widened by NZ$232.9k while the loss widened by NZ$330.2k, so a larger share of the reported loss is now cash. That is the opposite of balance-sheet-assisted earnings; the deterioration is real rather than timing-driven.

ROE moved from –7.5% to –39.7% on the calc pass, reflecting the widening loss against a shrinking equity base. There is no evidence the result is durable in any positive sense; it is a straightforward widening of burn at a pre-commercial company.

Unresolved

  • Funding plan. The filing does not disclose how operations will be funded beyond the NZ$441 cash balance – whether via placement, rights issue, debt, or related-party support.
  • Commercialisation timeline and cost. Certifications and sales/marketing activity are referenced without dates, cost estimates, or an expected first-revenue period.
  • Asset composition. Total assets of NZ$1.26m sit against cash of NZ$441, implying NZ$1.26m is held in non-cash assets whose nature, liquidity, and carrying basis are not detailed in the extraction.
  • Liability profile. NZ$99.5k of liabilities is disclosed with no split between trade payables, accruals, related-party amounts, or any commitments.
  • Share count and dilution risk. No share data is supplied, so the dilution implied by any near-term raise cannot be sized.

This briefing cannot assess solvency, probability or terms of any near-term capital raise, or the commercial viability of the product pivot – only the financial footprint already reported.

Key metrics

← Swipe to view more
Key metrics table for Iperion Limited (Formerly Southern Charter Financial Group) HY24
Metric HY24 HY23 Change
Revenue $20.8m $10.3m +102.1% ↑
EBITDA — −$132.3m —
Net profit after tax −$462.6m −$132.4m -249.5% ↓
Net cash inflow from operating activities −$370.8m −$137.9m -168.9% ↓
Profit before tax −$462.6m −$132.4m -249.5% ↓
Cash and cash equivalents $0.44m $663.9m -99.9% ↓
Total assets $1.3b $1.9b -33.6% ↓

Analytical metrics

← Swipe to view more
Analytical metrics table for Iperion Limited (Formerly Southern Charter Financial Group) HY24
Metric HY24 HY23 Context
ROE (annualised) -39.7% -7.5% Weakening
HY23 share of FY23 revenue 39.4% — Other half was 60.6%
HY23 share of FY23 EBITDA 47.3% — Other half was 52.7%
HY23 share of FY23 NPAT 47.3% — Other half was 52.7%
Profit from continuing operations −$462.6m −$132.4m −$330.2m

This analysis was generated using Annolyse, an AI-powered tool that analyses NZX company announcements. The analysis is based on available company filings and standard Annolyse calculations. This is general information only and does not constitute financial advice. The analysis may contain errors. Always read the original company filings and consult a licensed financial adviser before making investment decisions.

Source-backed analysis from the filing set attached to this briefing.

Metric context

Trajectory before this result

A compact view of the company's recent revenue and margin path, derived from the same metrics history that powers the company page.

IPR revenue trajectory

Revenue context before the current result.

← Swipe to view more
IPR revenue trajectory preview table
PeriodIPR
FY24$0m
HY24$20.8m
FY23$26.1m
HY23$10.3m
FY22$11.3m
HY22$4m

IPR EBITDA margin

Earnings margin across covered periods.

← Swipe to view more
IPR EBITDA margin preview table
PeriodIPR
FY24n/a
HY24n/a
FY23-1.1%
HY23-1.3%
FY22n/a
HY22n/a

Appendix

Reference material

Company materials considered in this briefing.

Current period

IPR 1H24 Interim Report

HY24 / financial report↗

IPR 1H24 NZX Results Template

HY24 / results announcement↗

Prior comparable period

SNC 1H23 Interim Report

HY23 / financial report↗

SNC 1H23 NZX Results Template

HY23 / results announcement↗

Full-year context

Preliminary Full Year Announcement 31 March 2023

FY23 / financial report↗

Related insight

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IPR revenue trajectory

Revenue context before the current result.

IPR EBITDA margin

Earnings margin across covered periods.