Quilter (QLT) AI Stock Analysis

• Market Cap: $2.21B
• Dividend Yield: 3.62%
• Average Volume (3M): 2.40M
• Price to Earnings (P/E): 40.7
• Beta (1Y): 1.69
• Revenue Growth: -28.04%
• EPS Growth: -102.43%
• Country: UK
• Employees: 3,017
• Sector: Financial
• Sector Strength: 71
• Industry: Asset Management
• EPS (TTM): 0.05
• Shares Outstanding: 1,404,105,500
• 10 Day Avg. Volume: 2,754,333
• 30 Day Avg. Volume: 2,395,831
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.13
• Enterprise Value/Revenue: 0.05
• Enterprise Value/Gross Profit: 0.10
• Enterprise Value/Ebitda: 3.26
• 1Y Price Target: $171.12
• Price Target Upside: 4.98% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9

• Rating: 59 Neutral
• Price Target: 171.00p ▲(4.91% Upside)

Quilter's overall stock score is primarily driven by its strong cash flow and stable balance sheet, despite challenges in revenue consistency and profitability. Positive corporate events and a neutral technical outlook provide additional support, though valuation concerns due to a negative P/E ratio weigh on the score.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.42B	4.63B	-4.04B	4.69B	3.46B
Gross Profit	5.37B	1.26B	-4.15B	4.56B	3.35B
EBITDA	108.00M	163.00M	144.00M	160.00M	162.00M
Net Income	-34.00M	42.00M	175.00M	64.00M	88.00M
Balance Sheet
Total Assets	62.45B	53.34B	46.42B	50.74B	67.37B
Cash, Cash Equivalents and Short-Term Investments	60.94B	1.53B	1.78B	2.06B	1.92B
Total Debt	275.00M	279.00M	290.00M	299.00M	319.00M
Total Liabilities	61.02B	51.83B	44.87B	49.00B	65.49B
Stockholders Equity	1.42B	1.52B	1.55B	1.74B	1.88B
Cash Flow
Free Cash Flow	4.58B	2.11B	1.67B	3.06B	1.41B
Operating Cash Flow	4.58B	2.11B	1.67B	3.07B	1.44B
Investing Cash Flow	-4.41B	-1.91B	-1.51B	-2.63B	-1.48B
Financing Cash Flow	-108.00M	-123.00M	-452.00M	-298.00M	-295.00M

Quilter Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 163.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 163 is below the 20-day moving average (MA) of 166.11, above the 50-day MA of 161.43, and above the 200-day MA of 149.14, indicating a neutral trend. The MACD of 0.47 indicates Positive momentum. The RSI at 48.86 is Neutral, neither overbought nor oversold. The STOCH value of 39.32 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
ASHM	80 Outperform	£1.16B	16.13	8.62%	9.63%	0.82%	-26.44%
AJB	79 Outperform	£2.13B	24.16	47.17%	2.44%	18.52%	9.87%
RAT	77 Outperform	£2.01B	31.57	4.75%	4.83%	14.05%	-3.07%
EMG	73 Outperform	£1.79B	12.76	12.23%	8.17%	-10.85%	-42.02%
IHP	72 Outperform	£1.18B	24.02	24.70%	2.95%	-4.17%	-6.46%
Sector *	68 Neutral	$17.46B	11.65	10.44%	3.86%	10.36%	1.15%
QLT	59 Neutral	$2.21B	40.70	-0.05%	3.62%	-28.04%	-102.43%

Quilter Corporate Events

Quilter plc Reports Strong H1 2025 Results with Significant Inflows and Profit Growth

Quilter plc reported strong interim results for the first half of 2025, with an adjusted profit of £100 million and core net inflows of £4.5 billion, marking a 160% increase from the previous year. The company’s dual-distribution model has led to significant growth in its Affluent and High Net Worth segments, outperforming market peers. Total Assets under Management and Administration rose by 6% to £126.3 billion, driven by robust net inflows and positive market contributions. The company also achieved cost savings through its Simplification programme, contributing to a 3% increase in adjusted profit before tax. Quilter’s ongoing Advice Review with the FCA is progressing, with a £70 million provision maintained for potential remediation. The interim dividend increased by 18% to 2.0 pence per share, reflecting the company’s strong financial performance and commitment to shareholder returns.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £175.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter Reports Strong Interim Financial Performance

Quilter plc has released its interim financial statements for the period ending 30 June 2025, confirming compliance with UK accounting standards and transparency rules. The company reported a profit before tax of £100 million, up from £77 million in the previous year, with a profit after tax attributable to owners of £46 million, compared to £13 million last year. This indicates a significant improvement in financial performance, reflecting positively on Quilter’s operational and market positioning.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £175.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter PLC Announces Change in Major Shareholder Voting Rights

Quilter PLC has announced a change in its major holdings as the Public Investment Corporation, based in South Africa, has adjusted its voting rights in the company. The adjustment saw the Public Investment Corporation’s voting rights decrease from 11.997% to 10.773%, which may impact Quilter’s shareholder dynamics and influence within the company.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £175.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter PLC Announces Change in Major Shareholder Holdings

Quilter PLC has announced a change in its major holdings, with the Public Investment Corporation SOC Limited, based in Pretoria, South Africa, reducing its voting rights from 12.530% to 11.997%. This adjustment in voting rights reflects a minor shift in shareholder influence, which may have implications for Quilter’s governance and strategic decision-making processes.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £175.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter Director Acquires Shares Through Dividend Reinvestment

Quilter plc announced that Chris Samuel, a Non-executive Director, acquired 516 ordinary shares through dividend reinvestment at a price of £1.601235 per share. This transaction, conducted on the London Stock Exchange, highlights the ongoing engagement of Quilter’s leadership in the company’s financial activities, potentially reinforcing stakeholder confidence in its market strategies.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £175.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter PLC Announces Director Transactions and Dividend Reinvestment

Quilter PLC announced transactions involving its directors and persons discharging managerial responsibilities (PDMRs) related to the reinvestment of its 2024 final dividend. The transactions, which occurred on 27 and 28 May 2025, involved the reinvestment of dividends into ordinary shares and conditional entitlements to dividend equivalents under various incentive plans. This move reflects Quilter’s ongoing efforts to align management incentives with shareholder interests and may impact the company’s market positioning by reinforcing confidence among investors.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £175.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter plc Passes All AGM Resolutions Amid Shareholder Concerns

Quilter plc announced that all resolutions at its 2025 Annual General Meeting were passed, although more than 20% of votes opposed the resolution on political donations. The company plans to engage with shareholders to address concerns, particularly those from South African stakeholders, and will provide updates in line with the UK Corporate Governance Code.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £175.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.