Quilter (QLT) AI Stock Analysis

• Market Cap: $2.53B
• Dividend Yield: 3.4%
• Average Volume (3M): 1.90M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.67
• 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: 0.11
• Enterprise Value/Revenue: 0.06
• Enterprise Value/Gross Profit: 0.10
• Enterprise Value/Ebitda: 2.68
• 1Y Price Target: $203.98
• Price Target Upside: 8.96% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: 199.00p ▲(6.30% 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 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 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: 187.20
• 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 187.2 is above the 20-day moving average (MA) of 183.54, above the 50-day MA of 182.95, and above the 200-day MA of 162.96, indicating a bullish trend. The MACD of 1.34 indicates Negative momentum. The RSI at 57.29 is Neutral, neither overbought nor oversold. The STOCH value of 73.84 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
SDR	77 Outperform	£6.47B	18.23	8.30%	5.37%	4.78%	-4.86%
RAT	76 Outperform	£2.07B	32.82	4.75%	4.91%	14.05%	-3.07%
BRK	72 Outperform	£250.13M	24.57	7.58%	5.14%	-13.29%	63.87%
IHP	72 Outperform	£1.12B	21.73	23.68%	3.11%	7.13%	-1.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QLT	66 Neutral	$2.53B	-2,080.00	-0.05%	3.40%	-28.04%	-102.43%
AJB	65 Neutral	£1.81B	17.58	49.89%	2.43%	17.97%	25.51%

Quilter Corporate Events

Quilter Directors Acquire Shares, Signaling Confidence in Company

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.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £189.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter Director Christopher Samuel Takes New Role at Oakley Capital

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.

The most recent analyst rating on (GB:QLT) stock is a Buy with a £189.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter plc Clarifies Political Donations Resolution Amid Shareholder Concerns

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.

The most recent analyst rating on (GB:QLT) stock is a Hold with a £188.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

Quilter’s CIO Sells 60,000 Shares Amid Strategic Moves

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.

The most recent analyst rating on (GB:QLT) stock is a Hold with a £188.00 price target. To see the full list of analyst forecasts on Quilter stock, see the GB:QLT Stock Forecast page.

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.