Quilter (QLT) AI Stock Analysis

• Market Cap: £2.21B
• Dividend Yield: 5.12%
• Average Volume (3M): 2.47M
• Price to Earnings (P/E): 40.7
• Beta (1Y): 1.67
• Revenue Growth: 17.79%
• EPS Growth: -181.35%
• Country: UK
• Employees: 3,017
• Sector: Financial
• Sector Strength: 80
• Industry: Asset Management
• EPS (TTM): 0.06
• Shares Outstanding: 1,404,105,500
• 10 Day Avg. Volume: 2,489,164
• 30 Day Avg. Volume: 2,473,913
• PEG Ratio: 0.05
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.80
• 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: £155.58
• Price Target Upside: -5.13% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 9

• Rating: 61 Neutral
• Price Target: 174.00p ▲(6.10%Upside)

Quilter's overall stock score is influenced by its solid cash flow and strategic corporate events, which bolster confidence. However, challenges in consistent revenue generation and negative valuation indicators weigh on the score. Strong technical momentum and high dividend yield provide additional support, but the lack of recent earnings call data leaves some uncertainty.

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 primarily through fees and charges associated with its wealth management and investment services. The company earns revenue from management fees on assets under management, advisory fees for financial planning and investment advice, and platform fees for using its investment platform services. Additionally, Quilter may also generate income through performance fees, where they receive a percentage of profits generated above a pre-determined benchmark. Significant partnerships with financial advisors and institutions also contribute to its earnings by expanding its client base and service offerings.

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: 164.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 164 is above the 20-day moving average (MA) of 157.41, above the 50-day MA of 152.85, and above the 200-day MA of 145.66, indicating a bullish trend. The MACD of 2.09 indicates Negative momentum. The RSI at 62.54 is Neutral, neither overbought nor oversold. The STOCH value of 87.63 is Negative, 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	78 Outperform	£2.12B	24.07	47.17%	1.72%	18.52%	9.87%
RAT	77 Outperform	£1.93B	29.05	4.83%	6.87%	49.59%	18.13%
IHP	76 Outperform	£1.07B	21.75	24.70%	1.50%	-4.17%	-6.46%
EMG	75 Outperform	£1.98B	8.68	17.94%	9.76%	18.85%	26.14%
ASHM	73 Outperform	£1.11B	15.42	8.62%	0.11%	0.82%	-26.44%
Sector *	62 Neutral	AU$10.00B	8.25	11.67%	5.00%	32.88%	39.55%
QLT	61 Neutral	£2.21B	40.70	-2.38%	5.12%	17.79%	-181.35%

Quilter Corporate Events

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.

Quilter plc Grants Share Options to COO Under 2025 Sharesave Plan

Quilter plc has announced that its Chief Operating Officer, Sarah Houlston, has been granted options to purchase 17,523 ordinary shares under the Quilter plc 2025 Sharesave Plan. These options, which are part of a three-year savings contract, will be exercisable between July and December 2028, potentially impacting the company’s stockholder structure and aligning management interests with shareholder value.

Coronation Fund Managers Increases Stake in Quilter PLC

Coronation Fund Managers, based in Cape Town, South Africa, has increased its voting rights in Quilter PLC to 18.03%, up from a previous position of 17.02%. This change in holdings could influence Quilter’s strategic decisions and impact its market positioning, reflecting Coronation’s growing influence within the company.

Quilter plc Reports Strong Q1 2025 Performance Amid Market Volatility

Quilter plc reported a strong performance in the first quarter of 2025, with core net inflows up by 181% compared to the previous year, reaching £2,276 million. Despite market declines and Sterling appreciation, the company’s Assets under Management and Administration remained stable at £119.6 billion. The Affluent segment saw a significant increase in gross inflows by 42% year-on-year, while the High Net Worth segment maintained solid business momentum. The company continues to demonstrate resilience amidst market volatility, focusing on strategic initiatives and efficiency programs to navigate uncertain macroeconomic challenges.