Quilter (QLT) AI Stock Analysis

• Market Cap: $2.36B
• Dividend Yield: 3.33%
• Average Volume (3M): 1.90M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.65
• 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: 1,309,696
• 30 Day Avg. Volume: 1,901,761
• 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: 0.12
• Enterprise Value/Revenue: 0.06
• Enterprise Value/Gross Profit: 0.10
• Enterprise Value/Ebitda: 2.68
• 1Y Price Target: $189.02
• Price Target Upside: 0.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): 10.86
• Revenue Forecast (FY): $69.71B

• Rating: 58 Neutral
• Price Target: 188.00p ▼(-0.42% Downside)

Quilter's stock score is primarily influenced by its strong cash flow and stable balance sheet, which are offset by inconsistent revenue and profitability. The technical analysis shows positive momentum, but the valuation is weak due to negative earnings. The dividend yield provides some support, but overall, the stock faces significant challenges.

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 Business Overview & Revenue Model

Company Description

Quilter 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 Money

Quilter 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

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: 188.80
• 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 188.8 is above the 20-day moving average (MA) of 182.05, above the 50-day MA of 177.08, and above the 200-day MA of 158.16, indicating a bullish trend. The MACD of 2.66 indicates Negative momentum. The RSI at 61.60 is Neutral, neither overbought nor oversold. The STOCH value of 76.72 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	£2.19B	25.13	47.17%	2.43%	18.52%	9.87%
EMG	73 Outperform	£2.35B	16.92	12.23%	6.25%	-10.85%	-42.02%
IHP	72 Outperform	£1.21B	24.66	24.70%	3.09%	-4.17%	-6.46%
ASHM	71 Outperform	£1.25B	15.60	9.75%	10.38%	-28.89%	-12.14%
RAT	69 Neutral	£1.88B	29.57	4.75%	5.22%	14.05%	-3.07%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QLT	58 Neutral	$2.36B	―	-0.05%	3.33%	-28.04%	-102.43%

Quilter Corporate Events

Quilter Reports Strong Q3 2025 Performance with Continued Net Inflow Growth

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.

The most recent analyst rating on (GB:QLT) stock is a Hold with a £1.83 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter’s Chief People Officer Sells 100,000 Shares

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.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £186.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter plc Announces Strategic Board Changes

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.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £200.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter’s Chief Distribution Officer Sells Significant Shareholding

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.

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.

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.

Quilter Plc Reports Strong Growth in H1 2025

Quilter Plc is a leading wealth management company in the UK, providing a range of financial advice and investment solutions primarily through its dual-distribution model, which caters to both affluent and high net worth segments.

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.