Quilter (QLT) AI Stock Analysis

• Market Cap: $2.29B
• Dividend Yield: 3.54%
• Average Volume (3M): 2.04M
• Price to Earnings (P/E): 40.7
• Beta (1Y): 1.75
• Revenue Growth: -28.04%
• EPS Growth: -102.43%
• Country: UK
• Employees: 3,017
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.05
• Shares Outstanding: 1,404,105,500
• 10 Day Avg. Volume: 2,505,784
• 30 Day Avg. Volume: 2,042,205
• PEG Ratio: 0.34
• Price to Book (P/B): 1.46
• Price to Sales (P/S): 0.38
• P/FCF Ratio: 0.45
• Enterprise Value/Market Cap: 0.13
• Enterprise Value/Revenue: 0.06
• Enterprise Value/Gross Profit: 0.10
• Enterprise Value/Ebitda: 2.68
• 1Y Price Target: $179.87
• Price Target Upside: 2.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9

• Rating: 52 Neutral
• Price Target: 160.00p ▼(-8.52% Downside)

Quilter's overall stock score is primarily influenced by its strong cash flow and stable balance sheet, which are offset by inconsistent revenue and profitability. Technical indicators suggest a lack of strong momentum, and the valuation is hindered by a negative P/E ratio. The dividend yield offers some appeal, but overall, the stock faces significant challenges.

Quilter Business Overview & Revenue Model

Company Description

Quilter plc provides advice-led investment solutions and investment platforms in the United Kingdom and internationally. It operates in two segments, High Net Worth and Affluent. The company offers financial advice for protection, mortgages, savings, investments, and pensions. It also provides Quilter Investment Platform, an investment platform for advice-based wealth management products and services; Quilter Investors, which offers investment solutions; and Quilter Financial Planning, a restricted and independent financial adviser network that provides mortgage and financial planning advice and financial solutions to individuals and businesses through a network of intermediaries. In addition, the company offers discretionary investment management services to high-net worth customers, charities, companies, and institutions through a network of branches. Quilter plc was incorporated in 2007 and is based in London, the United Kingdom.

How the Company Makes Money

Quilter makes money through several key revenue streams, primarily by charging fees for its investment management services and financial advice. The company generates revenue from ongoing management fees based on the assets under management (AUM) in its investment funds. Additionally, Quilter earns advisory fees from financial planning services provided to clients. The company may also receive performance fees depending on the performance of certain investment products. Significant partnerships with financial advisers and institutions enhance its distribution capabilities and contribute to its earnings by expanding its client base and assets under management.

Quilter Financial Statement Overview

Summary

Quilter demonstrates strong cash flow and a stable balance sheet, but faces challenges in generating consistent revenue and profitability. The company must focus on stabilizing revenue streams and improving operational efficiency to enhance overall financial health.

Income Statement

The company shows inconsistent revenue growth with a significant drop in 2022 due to negative revenue. Despite a recovery in 2023 and 2024, the net profit margin is negative due to losses in 2024. The gross profit margin remains high, indicating the company efficiently manages its direct costs. However, the EBIT margin is weak, showing operational challenges.

Balance Sheet

The balance sheet reflects a solid equity position with a low debt-to-equity ratio, indicating prudent financial management. The equity ratio is stable, suggesting a strong buffer in assets over liabilities. However, the decreasing stockholders' equity over time points to potential capital erosion.

Cash Flow

The company has strong cash flow management, as seen in its robust operating cash flow and free cash flow, which significantly exceed net income. This indicates efficient cash conversion and solid liquidity. Free cash flow has grown substantially, highlighting effective capital expenditure management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.63B	5.42B	4.63B	-4.04B	4.69B	3.46B
Gross Profit	2.82B	5.37B	1.26B	-4.15B	4.56B	3.35B
EBITDA	107.00M	108.00M	163.00M	144.00M	160.00M	162.00M
Net Income	-1.00M	-34.00M	42.00M	175.00M	154.00M	88.00M
Balance Sheet
Total Assets	67.78B	62.45B	53.34B	46.42B	50.74B	67.37B
Cash, Cash Equivalents and Short-Term Investments	66.34B	60.94B	51.86B	45.13B	49.34B	1.61B
Total Debt	274.00M	275.00M	279.00M	290.00M	299.00M	319.00M
Total Liabilities	66.37B	61.02B	51.83B	44.87B	49.00B	65.49B
Stockholders Equity	1.41B	1.42B	1.52B	1.55B	1.74B	1.88B
Cash Flow
Free Cash Flow	5.62B	4.58B	2.11B	1.67B	3.06B	1.41B
Operating Cash Flow	5.63B	4.58B	2.11B	1.67B	3.07B	1.44B
Investing Cash Flow	-5.26B	-4.41B	-1.91B	-1.51B	-2.63B	-1.48B
Financing Cash Flow	-110.00M	-108.00M	-123.00M	-452.00M	-298.00M	-295.00M

Quilter Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 174.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:QLT, the sentiment is Positive. The current price of 174.9 is above the 20-day moving average (MA) of 169.26, above the 50-day MA of 165.11, and above the 200-day MA of 153.10, indicating a bullish trend. The MACD of 2.84 indicates Negative momentum. The RSI at 59.57 is Neutral, neither overbought nor oversold. The STOCH value of 39.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:QLT.

Quilter Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AJB	76 Outperform	£2.12B	24.18	47.17%	2.37%	18.52%	9.87%
RAT	74 Outperform	£1.89B	29.50	4.75%	5.07%	14.05%	-3.07%
EMG	73 Outperform	£2.24B	16.10	12.23%	6.38%	-10.85%	-42.02%
IHP	72 Outperform	£1.17B	23.88	24.70%	2.88%	-4.17%	-6.46%
ASHM	71 Outperform	£1.21B	15.04	9.75%	9.04%	-28.89%	-12.14%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QLT	52 Neutral	$2.29B	40.70	-0.05%	3.54%	-28.04%	-102.43%

Quilter Corporate Events

Quilter Grants Performance Share Award to CEO

Quilter plc announced the granting of an award to John Goddard, the Chief Executive Officer for High Net Worth, under the Quilter Performance Share Plan. This award consists of nil-cost options over 209,909 ordinary shares, reflecting Quilter’s commitment to incentivizing its leadership and aligning their interests with those of the shareholders.

The most recent analyst rating on (GB:QLT) stock is a Hold with a £160.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.