WT Financial Group Ltd. (WTL) AI Stock Analysis

• Market Cap: AU$51.33M
• Dividend Yield: 4.83%
• Average Volume (3M): 220.79K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.62
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: AU$0.00 ▼(-100.00% Downside)

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.

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: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 below the 20-day moving average (MA) of 0.15, below the 50-day MA of 0.15, and above the 200-day MA of 0.13, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 44.01 is Neutral, neither overbought nor oversold. The STOCH value of 20.00 is Positive, 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$73.16M	10.26	32.22%	7.36%	22.67%	19.47%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TIP	65 Neutral	AU$48.34M	23.67	2.40%	1.71%	-5.10%	―
WTL	61 Neutral	AU$51.33M	11.03	15.13%	4.83%	16.64%	19.30%
BPH	58 Neutral	AU$10.98M	1.75	19.93%	―	―	29.55%
PFG	55 Neutral	AU$59.56M	12.57	8.35%	7.22%	21.16%	47.24%
CIW	51 Neutral	AU$33.09M	58.82	2.42%	2.08%	18.17%	―

WT Financial Group Ltd. Corporate Events

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.

WT Financial Group Ltd. Emphasizes Governance and Meritocracy in Latest Statement

WT Financial Group Ltd. has released its Corporate Governance Statement, highlighting its compliance with the ASX Corporate Governance Council’s best practices, except for certain diversity recommendations. The company has a robust board policy that delineates the roles and responsibilities of the board and management, ensuring accountability and strategic direction. Despite not fully meeting gender diversity targets, the company maintains a merit-based approach to appointments, with a current board composition of 25% women.

WT Financial Group Ltd. Releases 2025 Corporate Governance Statement

WT Financial Group Ltd. has released its corporate governance statement for the financial year ending June 30, 2025, which is available on their website. The statement confirms the company’s adherence to the ASX Corporate Governance Council’s recommendations, demonstrating their commitment to transparency and accountability in their management and oversight practices.

WT Financial Group Achieves Record Performance and Strategic Milestones in 2025

WT Financial Group Limited reported a record performance for the financial year ending June 30, 2025, with significant increases in revenue and profit metrics. The company achieved strategic milestones, including launching the Investco joint venture and Hubco platforms, expanding its adviser network, and validating its B2B transformation strategy, positioning it for continued growth and enhanced industry presence.

WT Financial Group Ltd. Releases 2025 Annual Report

WT Financial Group Ltd. has released its annual report for 2025, emphasizing the centrality of advice in its operations. The report highlights the company’s leadership and operational structure, listing key board members and its registered office details. The release does not provide specific financial details or forward-looking statements but underscores the company’s commitment to its advisory services and its presence in the financial industry.

WT Financial Group Issues 1 Million Unquoted Performance Rights

WT Financial Group Ltd. announced the issuance of 1,000,000 unquoted performance rights as part of previously announced transactions. This move is part of the company’s strategic initiatives to enhance its operational capabilities and align employee incentives with company performance, potentially impacting its market positioning and stakeholder interests.

WT Financial Group Reports Robust FY2025 Financial Results

WT Financial Group Limited reported strong financial performance for FY2025, with a 17% increase in gross revenue to $217.4 million and a 21.5% rise in net revenue to $28.4 million. The company’s operating profit before tax grew by 14% to $5.5 million, and profit after tax increased by 20% to $4.6 million. The results reflect minimal impact from one-off items, aligning statutory and underlying results closely. The company declared a fully franked final dividend of 0.5 cents per share, with total dividends for the year amounting to 0.7 cents per share.