WT Financial Group Ltd. (WTL) AI Stock Analysis

• Market Cap: AU$47.91M
• Dividend Yield: 5%
• Average Volume (3M): 220.79K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.92
• Revenue Growth: 16.64%
• EPS Growth: 19.30%
• Country: AU
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): <0.01
• Shares Outstanding: 342,185,800
• 10 Day Avg. Volume: 473,029
• 30 Day Avg. Volume: 220,790
• PEG Ratio: 0.44
• Price to Book (P/B): 1.29
• Price to Sales (P/S): 1.44
• P/FCF Ratio: 7.49
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: AU$0.16 ▲(12.86% Upside)

The overall stock score of 61 reflects a balanced view of WT Financial Group Ltd.'s strengths and weaknesses. The company's strong profitability and cash flow management are offset by a significant decline in revenue growth, which poses a risk to future performance. The technical indicators suggest a lack of strong momentum, while the valuation is attractive due to a reasonable P/E ratio and a high dividend yield. These factors combine to provide a moderate investment outlook.

Positive Factors

Cash Flow Management

The significant growth in free cash flow indicates strong cash generation and improved operational efficiency, enhancing financial stability.

Balance Sheet Health

Low leverage and a strong equity ratio suggest financial stability and low financial risk, providing a solid foundation for future growth.

Profitability

High profit margins indicate efficient cost management and operational efficiency, supporting sustainable profitability despite revenue challenges.

Negative Factors

Revenue Decline

A drastic drop in revenue growth poses a risk to future performance, potentially impacting long-term financial health and market competitiveness.

Equity Efficiency

Lack of recent ROE data hinders the ability to assess how effectively the company is using equity to generate profits, impacting investor confidence.

Revenue Growth Concerns

Ongoing revenue growth challenges could undermine the company's ability to expand and compete effectively in the financial services industry.

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. generates revenue primarily through fees and commissions associated with its financial advisory services, including asset management fees from investment portfolios managed on behalf of clients. Additionally, the company earns income from commissions on the sale of insurance products and financial instruments. WTL may also have strategic partnerships with other financial institutions or service providers, which can lead to revenue sharing agreements or referral fees. The company benefits from recurring revenue streams through long-term client relationships and periodic reviews of financial plans, resulting in continuous service fees.

WT Financial Group Ltd. Financial Statement Overview

Summary

WT Financial Group Ltd. demonstrates strong profitability and efficient cash flow management, with healthy margins and improved cash generation. However, the significant decline in revenue growth is a critical issue that needs addressing. The balance sheet remains robust with low leverage, providing financial stability. Overall, while the company shows strengths in profitability and cash flow, the revenue decline poses a risk to future performance.

Income Statement

The income statement shows a significant decline in revenue growth rate, with a negative 86.48% in the latest period, indicating a substantial drop in revenue. However, the company has managed to maintain a relatively high gross profit margin of 39.08% and a net profit margin of 16.18%, suggesting efficient cost management. EBIT and EBITDA margins are also healthy at 21.99% and 22.43%, respectively, indicating operational efficiency. The overall profitability is strong, but the drastic revenue decline is a major concern.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.23, indicating conservative leverage. The equity ratio is strong, with stockholders' equity making up a significant portion of total assets. However, the return on equity (ROE) is not provided for the latest period, which limits the assessment of equity efficiency. Overall, the company maintains a solid balance sheet with low financial risk.

Cash Flow

Cash flow analysis reveals positive trends, with a free cash flow growth rate of 108.8%, indicating improved cash generation. The operating cash flow to net income ratio is 0.32, and the free cash flow to net income ratio is 0.93, showing strong cash conversion. The company has successfully turned around from negative cash flows in previous years, reflecting improved cash management and operational efficiency.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	28.69M	28.69M	185.47M	160.52M	101.74M	12.78M
Gross Profit	11.21M	11.21M	9.82M	7.83M	4.52M	1.39M
EBITDA	4.72M	6.43M	6.34M	5.73M	3.31M	428.87K
Net Income	3.38M	4.64M	3.85M	4.14M	1.87M	-3.29M
Balance Sheet
Total Assets	58.25M	58.25M	54.29M	47.85M	48.77M	11.65M
Cash, Cash Equivalents and Short-Term Investments	9.82M	9.82M	8.10M	5.31M	3.38M	1.25M
Total Debt	7.39M	7.39M	7.54M	8.13M	6.78M	2.26M
Total Liabilities	26.32M	26.32M	24.86M	22.27M	28.71M	5.70M
Stockholders Equity	31.93M	31.93M	29.43M	25.58M	20.06M	5.96M
Cash Flow
Free Cash Flow	3.73M	5.51M	5.31M	2.90M	-2.85M	-2.01M
Operating Cash Flow	3.94M	5.94M	5.46M	2.90M	-2.85M	-2.01M
Investing Cash Flow	-1.23M	-1.43M	-2.02M	-1.78M	-5.19M	32.05K
Financing Cash Flow	-2.79M	-2.79M	-647.23K	810.55K	10.18M	1.81M

WT Financial Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.14
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• 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 Neutral. The current price of 0.14 is above the 20-day moving average (MA) of 0.14, below the 50-day MA of 0.14, and above the 200-day MA of 0.13, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 47.85 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
MAM	72 Outperform	AU$79.70M	11.17	32.22%	6.39%	22.67%	19.47%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TIP	65 Neutral	AU$42.91M	21.01	2.40%	1.79%	-5.10%	―
WTL	61 Neutral	AU$47.91M	10.29	15.13%	5.00%	16.64%	19.30%
BPH	57 Neutral	AU$12.20M	1.75	19.93%	―	―	29.55%
PFG	55 Neutral	AU$60.37M	12.57	8.35%	7.22%	21.16%	47.24%
CIW	53 Neutral	AU$30.94M	55.15	2.42%	2.03%	18.17%	―

WT Financial Group Ltd. Corporate Events

WT Financial Group Announces Director’s Interest Change

WT Financial Group Ltd. has announced a change in the director’s interest, with Keith Robert Cullen acquiring 1,500,000 performance rights as part of his remuneration package. This issuance, approved at the recent annual general meeting, reflects the company’s strategy to align executive incentives with shareholder interests, potentially impacting the company’s governance and executive compensation structure.

The most recent analyst rating on (AU:WTL) stock is a Hold with a A$0.16 price target. To see the full list of analyst forecasts on WT Financial Group Ltd. stock, see the AU:WTL Stock Forecast page.

WT Financial Group Issues Unquoted Performance Rights

WT Financial Group Ltd. announced the issuance of 1,500,000 unquoted performance rights as part of a previously announced transaction. This move is part of the company’s strategic financial operations and may impact its equity structure, though the securities are not intended to be quoted on the ASX.

The most recent analyst rating on (AU:WTL) stock is a Hold with a A$0.16 price target. To see the full list of analyst forecasts on WT Financial Group Ltd. stock, see the AU:WTL Stock Forecast page.

WT Financial Group Ltd. Announces Successful AGM Outcomes

WT Financial Group Ltd. announced the results of its Annual General Meeting held on November 28, 2025, where all resolutions were successfully passed by a poll. The approval of key resolutions, including the adoption of the remuneration report and the re-election of director Mr. Christos Kelesis, reflects strong shareholder support and may positively influence the company’s governance and strategic direction.

The most recent analyst rating on (AU:WTL) stock is a Hold with a A$0.16 price target. To see the full list of analyst forecasts on WT Financial Group Ltd. stock, see the AU:WTL Stock Forecast page.

WT Financial Group Reports Record FY2025 Results and Strategic Milestones

WT Financial Group Limited reported a strong financial performance for FY2025, with gross operating revenue reaching $217.4 million and net profit after tax increasing to $4.6 million. The company has made significant strategic advancements, including the establishment of the Investco joint venture and the launch of new Hubcos, which are designed to help practices corporatize and grow. Their AI-enabled Risk Management Framework has set industry standards, contributing to high adviser satisfaction and network cohesion. The company is well-positioned to lead consolidation in the advice sector, with a focus on expanding the Investco model and supporting practice growth.

The most recent analyst rating on (AU:WTL) stock is a Hold with a A$0.16 price target. To see the full list of analyst forecasts on WT Financial Group Ltd. stock, see the AU:WTL Stock Forecast page.

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

WT Financial Group Ltd. announced a late lodgement of an Appendix 3Y form regarding a change in director Keith Cullen’s interest due to an oversight. The company emphasizes that its current compliance arrangements are adequate and enforced, ensuring adherence to relevant listing rules and internal policies.

WT Financial Group Schedules Annual General Meeting for November 2025

WT Financial Group Limited has announced its Annual General Meeting, which will take place on November 28, 2025, at their Sydney office. The meeting will provide shareholders with an opportunity to participate and vote, with detailed instructions available on the company’s website and ASX announcements platform. This announcement is crucial for stakeholders as it outlines the governance process and shareholder engagement strategy, which are important for the company’s transparency and operational planning.