WT Financial Group Ltd. (WTL) AI Stock Analysis

• Market Cap: AU$42.77M
• Dividend Yield: 1.6%
• Average Volume (3M): 64.95K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.50
• Revenue Growth: 33.80%
• EPS Growth: -8.26%
• Country: AU
• Employees: N/A
• Sector: Financial
• Sector Strength: 75
• Industry: Asset Management
• EPS (TTM): <0.01
• Shares Outstanding: 342,185,800
• 10 Day Avg. Volume: 87,811
• 30 Day Avg. Volume: 64,952
• PEG Ratio: -4.29
• Price to Book (P/B): 1.41
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.85
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: AU$0.00 ▼(-100.00%Downside)

WT Financial Group Ltd.'s overall stock score reflects its strong financial performance and reasonable valuation. The company's robust balance sheet and cash flow management are major strengths. Technical indicators present mixed signals but do not significantly detract from the stock's attractiveness. The absence of earnings call data and new corporate events limits additional insights.

WT Financial Group Ltd. Business Overview & Revenue Model

Company Description

WT Financial Group Limited provides a range of financial services. It operates in two segments, Business to Business and Direct to Consumer. The company provides, licensing, risk management and compliance, education and training, and technical support services; and practice management and development services, including consumer marketing and education tools. It also offers financial planning, investment, and product sales and licensing services; and mortgage finance and brokerage, accounting, and SMSF administration services. In addition, the company provides wealth management, retirement, and investment, as well as mortgage, tax, and finance advice; and tax planning and structuring, and preparation and lodgement of tax returns. Further, it provides superannuation investments, insurance, finance, equities, and direct and SMSF residential and commercial properties to retail and wholesale clients; and home loan solutions for private wealth clients. The company was formerly known as Spring FG Limited and changed its name to WT Financial Group Limited in November 2019. WT Financial Group Limited was incorporated in 2014 and is based in Sydney, Australia.

How the Company Makes Money

WT Financial Group Ltd. makes money primarily through financial advisory and planning services, which generate revenue from fees charged for professional advice and management of client portfolios. The company also earns income from wealth management services, which involve managing investments and assets on behalf of clients, often earning a percentage of the assets under management as fees. Additionally, WTL provides support services to independent financial advisors, offering them tools, compliance, and administrative support, for which it charges service fees or subscription fees. Partnerships with financial institutions and cross-selling of financial products also contribute to the company's revenue streams.

WT Financial Group Ltd. Financial Statement Overview

Summary

WT Financial Group Ltd. presents a robust financial position with strong growth trends and profitability. The company effectively manages its balance sheet, maintains low leverage, and improves cash flow generation, supporting sustainable growth.

Income Statement

WT Financial Group Ltd. demonstrates strong revenue growth with a noticeable increase from 2023. Gross and net profit margins are healthy, indicating strong operational efficiency. The EBIT and EBITDA margins reflect solid profitability, contributing to a robust financial performance.

Balance Sheet

The company's balance sheet shows a favorable equity position with a strong equity ratio, signifying low leverage. The debt-to-equity ratio is manageable, and ROE suggests effective use of equity capital to generate profits. However, maintaining this balance will be crucial for future stability.

Cash Flow

Operating cash flow has improved significantly, showcasing effective cash generation relative to net income. Free cash flow growth is positive, suggesting good cash availability for reinvestment or debt reduction. The ratios indicate strong alignment between cash flows and profitability.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	185.47M	160.52M	101.74M	12.78M	12.07M
Gross Profit	9.82M	7.83M	4.52M	1.39M	2.28M
EBITDA	6.34M	5.73M	3.45M	428.87K	465.10K
Net Income	3.85M	4.14M	1.87M	-3.29M	-593.51K
Balance Sheet
Total Assets	54.29M	47.85M	48.77M	11.65M	14.76M
Cash, Cash Equivalents and Short-Term Investments	8.10M	5.31M	3.38M	1.25M	1.41M
Total Debt	7.54M	8.13M	6.78M	2.26M	1.94M
Total Liabilities	24.86M	22.27M	28.71M	5.70M	6.37M
Stockholders Equity	29.43M	25.58M	20.06M	5.96M	8.39M
Cash Flow
Free Cash Flow	5.31M	2.90M	-2.85M	-2.01M	707.10K
Operating Cash Flow	5.46M	2.90M	-2.85M	-2.01M	709.43K
Investing Cash Flow	-2.02M	-1.78M	-5.19M	32.05K	-117.25K
Financing Cash Flow	-647.23K	810.55K	10.18M	1.81M	-223.80K

WT Financial Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.12
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:WTL, the sentiment is Negative. The current price of 0.12 is below the 20-day moving average (MA) of 0.12, below the 50-day MA of 0.12, and above the 200-day MA of 0.11, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 47.94 is Neutral, neither overbought nor oversold. The STOCH value of 22.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:WTL.

WT Financial Group Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WTL	73 Outperform	AU$42.77M	11.26	13.04%	1.60%	33.80%	-8.26%
MAM	73 Outperform	AU$69.24M	9.27	34.01%	7.17%	19.50%	31.19%
PFG	70 Outperform	AU$58.62M	13.65	7.76%	6.50%	26.27%	32.82%
Sector *	68 Neutral	$16.73B	11.75	9.79%	3.76%	11.87%	-7.97%
BPH	58 Neutral	AU$9.75M	0.91	41.59%	―	―	1000.00%
TIP	50 Neutral	AU$47.32M	―	-1.16%	1.71%	-0.90%	-148.08%
CIW	50 Neutral	AU$28.39M	―	-9.28%	0.67%	-13.78%	50.00%

WT Financial Group Ltd. Corporate Events

WT Financial Group Announces Proposed Securities Issue

WT Financial Group Ltd. has announced a proposed issue of securities, specifically 1,500,000 options expiring on March 17, 2029, with an exercise price of $0.14. This move is part of a placement or other type of issue, and the proposed issue date is June 25, 2025. The announcement indicates a strategic financial maneuver that could potentially enhance the company’s capital structure and market positioning.

WT Financial Group Expands Corporate Debt Facility

WT Financial Group Limited has amended its corporate debt facility with Altor Capital Management, extending the maturity date to August 2028 and increasing the facility ceiling from $6.7 million to $11.7 million. This strategic financial move allows the company to enhance its liquidity and operational flexibility, potentially strengthening its market position and offering more robust support to its network of financial advisers.

WT Financial Group Announces Proposed Issue of Securities

WT Financial Group Ltd. has announced a proposed issue of securities, specifically 1,800,000 performance rights, set to be issued on September 30, 2025. This announcement reflects the company’s strategic move to potentially enhance its financial standing and market position by leveraging these securities, which could have implications for stakeholders and the company’s future operations.

WT Financial Group Director’s Shareholding Update

WT Financial Group Limited has announced a change in the director’s interest, specifically involving Keith Robert Cullen. The director acquired an additional 10,000 ordinary fully paid shares through an on-market trade, increasing his total holdings to 35,941,845 shares. This transaction reflects a minor adjustment in the director’s stake and does not indicate any significant shift in the company’s operational or strategic direction.

WT Financial Group Announces Change in Substantial Shareholding

WT Financial Group Limited has announced a change in the substantial holding of its shares by Keith Robert Cullen and KRC Investments Pty Limited. The voting power of these entities has slightly increased from 10.48% to 10.50% following several on-market purchases of ordinary fully paid shares. This change reflects a minor adjustment in the ownership structure, indicating a continued interest and investment by the substantial holder in the company.

WT Financial Group Director Increases Shareholding

WT Financial Group Limited announced a change in the director’s interest, with Keith Robert Cullen acquiring an additional 73,056 ordinary fully paid shares through on-market trades. This acquisition increases Cullen’s total shareholding to 35,931,845 shares, reflecting a strategic move that may impact the company’s market positioning and stakeholder interests.

WT Financial Group Addresses Late Lodgement of Director’s Interest Notice

WT Financial Group Ltd. announced a late lodgement of an Appendix 3Y notice due to an oversight in notifying the Australian Securities Exchange about a director’s share trading activity. The company has acknowledged the oversight and emphasized that current compliance arrangements are adequate, ensuring adherence to share trading policies and regulations.