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Quilter (GB:QLT)
LSE:QLT

Quilter (QLT) AI Stock Analysis

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GB:QLT

Quilter

(LSE:QLT)

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Neutral 66 (OpenAI - 4o)
Rating:66Neutral
Price Target:
199.00p
▲(8.39% Upside)
Quilter's overall stock score is driven by strong corporate events and positive technical indicators, despite challenges in financial performance and valuation. The company's strong cash flow and recent strategic moves enhance its market positioning, although profitability issues remain a concern.
Positive Factors
Cash Flow Management
Strong cash flow management with high free cash flow indicates effective capital expenditure management and solid liquidity, supporting long-term financial stability.
Balance Sheet Health
A low debt-to-equity ratio and stable equity ratio suggest prudent financial management, providing a buffer against liabilities and supporting long-term resilience.
Gross Profit Margin
A high gross profit margin reflects efficient cost management, which can enhance profitability and competitive positioning over time.
Negative Factors
Revenue Growth Challenges
Inconsistent revenue growth and a significant drop in 2022 highlight challenges in stabilizing revenue streams, which can impact long-term financial health.
Profitability Issues
Negative net profit margins indicate profitability challenges, which can hinder reinvestment and growth opportunities, affecting long-term sustainability.
Operational Efficiency
A weak EBIT margin suggests operational inefficiencies, which can limit the company's ability to improve profitability and compete effectively in the market.

Quilter (QLT) vs. iShares MSCI United Kingdom ETF (EWC)

Quilter Business Overview & Revenue Model

Company DescriptionQuilter plc is a UK-based investment platform and financial services company that primarily operates in the wealth management sector. The company offers a wide range of services including investment management, financial advice, and retirement planning, serving both individual and institutional clients. Quilter is known for its innovative digital investment solutions and comprehensive product offerings, including Unit Trusts, Investment Trusts, and Individual Savings Accounts (ISAs), catering to the diverse needs of investors.
How the Company Makes MoneyQuilter generates revenue through several key streams, primarily from asset management fees, financial advice fees, and platform fees. The company charges a percentage of assets under management (AUM) for its investment management services, which constitutes a significant portion of its income. Additionally, Quilter earns fees from providing financial advice to clients, which can include one-time charges or ongoing advisory fees. The platform services also generate revenue through transaction fees and administration charges. Strategic partnerships with various financial institutions and advisors enhance Quilter's distribution capabilities, further driving its earnings potential. Furthermore, the company's focus on expanding its client base and enhancing its digital offerings positions it for growth in the competitive wealth management landscape.

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
45
Neutral
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
60
Neutral
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
75
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue4.63B5.42B4.63B-4.04B4.69B3.46B
Gross Profit2.82B5.37B1.26B-4.15B4.56B3.35B
EBITDA107.00M108.00M163.00M144.00M160.00M162.00M
Net Income-1.00M-34.00M42.00M175.00M154.00M88.00M
Balance Sheet
Total Assets67.78B62.45B53.34B46.42B50.74B67.37B
Cash, Cash Equivalents and Short-Term Investments66.34B60.94B51.86B45.13B49.34B1.61B
Total Debt274.00M275.00M279.00M290.00M299.00M319.00M
Total Liabilities66.37B61.02B51.83B44.87B49.00B65.49B
Stockholders Equity1.41B1.42B1.52B1.55B1.74B1.88B
Cash Flow
Free Cash Flow5.62B4.58B2.11B1.67B3.06B1.41B
Operating Cash Flow5.63B4.58B2.11B1.67B3.07B1.44B
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 Price183.60
Price Trends
50DMA
179.71
Positive
100DMA
171.16
Positive
200DMA
159.29
Positive
Market Momentum
MACD
1.68
Positive
RSI
52.01
Neutral
STOCH
36.30
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 183.6 is above the 20-day moving average (MA) of 182.72, above the 50-day MA of 179.71, and above the 200-day MA of 159.29, indicating a bullish trend. The MACD of 1.68 indicates Positive momentum. The RSI at 52.01 is Neutral, neither overbought nor oversold. The STOCH value of 36.30 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
£2.35B16.9212.23%5.98%-10.85%-42.02%
76
Outperform
£1.88B29.574.75%5.15%14.05%-3.07%
72
Outperform
£1.15B23.5524.70%3.11%-4.17%-6.46%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
£1.25B15.609.75%10.47%-28.89%-12.14%
66
Neutral
$2.36B-0.05%3.37%-28.04%-102.43%
65
Neutral
£2.19B25.1349.89%2.43%17.97%25.51%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:QLT
Quilter
183.60
36.06
24.44%
GB:ASHM
Ashmore Group PLC
161.40
15.37
10.53%
GB:EMG
Man Group plc
213.20
18.69
9.61%
GB:RAT
Rathbones Group PLC
1,812.00
245.78
15.69%
GB:AJB
AJ BELL PLC
467.60
7.09
1.54%
GB:IHP
IntegraFin Holdings PLC
337.50
-40.46
-10.70%

Quilter Corporate Events

Other
Quilter Directors Acquire Shares, Signaling Confidence in Company
Positive
Nov 17, 2025

Quilter plc announced the acquisition of ordinary shares by two of its Non-executive Directors, Chris Hill and Alison Morris. This transaction, involving purchases on the London Stock Exchange, reflects a potential vote of confidence in the company’s performance and future prospects by its leadership, potentially impacting stakeholder perceptions positively.

Executive/Board Changes
Quilter Director Christopher Samuel Takes New Role at Oakley Capital
Neutral
Nov 17, 2025

Quilter plc has announced that Christopher Samuel, a Non-executive Director of the company, has been appointed as an Independent Non-executive Director of Oakley Capital Investments Limited, effective November 17, 2025. This appointment is significant as Mr. Samuel is expected to take on the role of Chair at Oakley Capital Investments Limited in March 2026, potentially strengthening the strategic leadership and governance of the investment firm.

Shareholder MeetingsRegulatory Filings and Compliance
Quilter plc Clarifies Political Donations Resolution Amid Shareholder Concerns
Neutral
Nov 11, 2025

Quilter plc announced that during its 2025 Annual General Meeting, resolution 16 concerning political donations passed, despite 22.28% opposition. The company engaged with South African shareholders to clarify the resolution’s purpose, highlighting the sensitivity of business-politics links in South Africa. Quilter emphasized that it does not intend to make political donations, but seeks authorization to prevent inadvertent breaches of UK law. This precautionary measure aims to maintain legal compliance across jurisdictions, ensuring effective shareholder communication.

Business Operations and Strategy
Quilter’s CIO Sells 60,000 Shares Amid Strategic Moves
Neutral
Nov 7, 2025

Quilter plc announced that Marcus Brookes, the Chief Investment Officer and Managing Director of Quilter Investors, sold 60,000 ordinary shares at a price of £1.84414 per share on the London Stock Exchange. This transaction may reflect strategic financial decisions by the company’s management and could influence investor perceptions regarding the company’s stock performance.

Business Operations and StrategyFinancial Disclosures
Quilter Reports Strong Q3 2025 Performance with Continued Net Inflow Growth
Positive
Oct 22, 2025

Quilter plc has reported a strong performance for the third quarter of 2025, with net inflows exceeding £2 billion for the third consecutive quarter. The company’s assets under management and administration (AuMA) reached £134.8 billion, marking a 7% increase from the previous quarter. The Affluent segment showed significant growth, with a 19% increase in gross inflows year-on-year, while the High Net Worth segment maintained solid business momentum. Quilter’s performance underscores its strong market positioning and ability to capitalize on the growing UK wealth market, despite potential policy changes in the upcoming UK Budget.

Other
Quilter’s Chief People Officer Sells 100,000 Shares
Neutral
Oct 14, 2025

Quilter plc announced that Penny Cole, the Chief People Officer and a Person Discharging Managerial Responsibilities, sold 100,000 ordinary shares at £1.784 per share on October 13, 2025. This transaction, conducted on the London Stock Exchange, highlights a significant movement of shares by a key executive, which may have implications for investor sentiment and the company’s stock performance.

Executive/Board ChangesBusiness Operations and Strategy
Quilter plc Announces Strategic Board Changes
Positive
Sep 23, 2025

Quilter plc has announced significant changes to its Board of Directors as part of its succession planning. Andrew Ross will join as an independent Non-executive Director from January 2026, bringing extensive experience in wealth and asset management. Additionally, Chris Hill and Alison Morris have been appointed as Chairs of the Board Remuneration and Board Audit Committees, respectively. These changes reflect Quilter’s commitment to managing Board tenure and supporting business growth, enhancing its strategic oversight capabilities.

Business Operations and Strategy
Quilter’s Chief Distribution Officer Sells Significant Shareholding
Neutral
Sep 16, 2025

Quilter plc announced that Stephen Gazard, the Chief Distribution Officer and a Person Discharging Managerial Responsibilities, sold 145,000 ordinary shares at a price of £1.649 per share on the London Stock Exchange. This transaction may indicate strategic financial decisions by the company’s management and could have implications for shareholder perceptions and market positioning.

Executive/Board Changes
Quilter Grants Performance Share Award to CEO
Neutral
Sep 9, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Dec 07, 2025