Quilter (2FQ0) AI Stock Analysis

Quilter

(Frankfurt:2FQ0)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Cash generation strengthSustained and growing operating and free cash flow provides durable funding for dividends, buybacks and tech/AI investment without relying on debt. Strong cash convertibility supports capital returns and strategic spending, underpinning long-term resilience through market cycles.

Negative Factors

Margin pressure from mix shiftStructural shifts toward lower-margin products and larger average accounts reduce unit fee rates and erode operating margin unless offset by pricing, scale efficiencies, or higher-value services. This mix risk can cap long-term margin expansion and return on equity.

Quilter (2FQ0) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 3.24B
Dividend Yield: 3.16%
Average Volume (3M): 382
Price to Earnings (P/E): 20.9
Beta (1Y): 0.74
Revenue Growth: 181.94%
EPS Growth: ―
Country: Germany
Employees: 3,207
Sector: Financial
Sector Strength: 68
Industry: Asset Management

Quilter Business Overview & Revenue Model

Company Description

Established in London in 2007, Quilter plc is a financial services firm that delivers advice-led investment solutions and platforms across the United Kingdom and internationally. The company serves two primary client groups: High Net Worth individual...

Quilter Earnings Call Summary

Earnings Call Date:Aug 05, 2026(Q2-2026)|% Change Since:-1.55%|Next Earnings Date:Mar 09, 2027

Earnings Call SentimentPositive

The call presented a strong operational and financial performance driven by record net flows, market share gains across the platform and solutions, double-digit revenue and profit growth, and continued investment in adviser productivity and AI. Key challenges are higher costs from investment and inflation, margin dilution from product/channel mix and tiering effects, regulatory reviews of client cash, and some adviser/IM restructuring in Quilter Cheviot. Management maintained constructive guidance, a healthy balance sheet and ongoing capital returns. Overall the positives (robust flows, market leadership, revenue/profit growth and balance sheet strength) outweigh the manageable headwinds.

Positive Updates

Record Core Net Flows

Core net flows reached a record GBP 6.0bn in H1 2026, up over 30% year-on-year (Mark cited 32%) and equivalent to 9% of opening assets (up 1 percentage point).

Negative Updates

Rising Costs and Investment Spend

Total costs increased 13% to GBP 267m in H1 2026 due to inflation and business investment (data/technology, brand, Quilter Invest, Quilter Academy). Revenue-generating staff-based costs rose c.18% in the half.

Company Guidance

Management guided that it expects to continue to deliver peer‑leading net flows above 4%–5% for the foreseeable future, with revenue margin guidance unchanged and full‑year costs still targeted at GBP 530–540m (likely toward the higher end); longer‑term cost growth is expected to be inflation plus a few percentage points. They said second‑half adjusted profit should be around a mid‑single‑digit percentage points above the first half (H1 adjusted profit GBP 112m), H1 operating margin was 30% and the ambition is to get to at least the mid‑30s (no timeline). Capital return and balance‑sheet metrics include an interim dividend of 2.1p (1/3 of last year’s total; +5% vs 2025 interim), a GBP 100m buyback with >GBP 68m completed as at 31 July (GBP 54m returned in the period), capital contributions of GBP 71m, c. GBP 360m of cash available before the interim dividend/buyback, and a marginally improved solvency ratio.

Quilter Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:2FQ0 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GB:AJB	74Outperform	GBP 2.28B	19.37	57.35%	2.54%	19.27%	40.49%
GB:IHP	69Neutral	GBP 1.25B	19.74	27.60%	3.13%	37.79%	29.03%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GB:RAT	67Neutral	GBP 1.77B	13.97	8.95%	5.77%	5.39%	85.13%
GB:BRK	61Neutral	GBP 225.42M	97.33	1.65%	5.68%	5.83%	-76.72%

* Financial Sector Average

Performance Comparison

DE:2FQ0 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:2FQ0	Quilter Plc	2.22	0.23	11.50%
GB:BRK	Brooks Macdonald	1460.00	-103.49	-6.62%
GB:RAT	Rathbones Group PLC	1732.00	21.44	1.25%
GB:AJB	AJ BELL	581.00	51.62	9.75%
GB:IHP	IntegraFin Holdings PLC	377.00	24.50	6.95%

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.

Quilter AI Stock Analysis