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Quilter PLC (QLT) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Quilter PLC £3.64, price £1.82, upside +99.9%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · GB · ISIN GB00BNHSJN34

QP Quilter PLC logo Broad data Sep 24, 2026

Quilter PLC

QLT · LSE

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value £3.64 · Strongly undervalued (+100%)
!Quality 62/100
!Mixed Growth (revenue 5y +22.0 %/yr)
!Thin margins · 1.3% net margin (TTM)
✓Low debt · generates free cash flow
·3.46% dividend yield
!Mixed vs. peers (7/15)
!Narrow moat 33/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

£2.08 £0.6230 Fair Value £3.64 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range £0.6230 – £2.08 · fair‑value band £0.7700 – £5.11 · the £1.82 price screens below the £3.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Quilter plc provides advice-led investment solutions in the United Kingdom and internationally. It operates through High Net Worth and Affluent segments.

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Quilter plc provides advice-led investment solutions in the United Kingdom and internationally. It operates through High Net Worth and Affluent segments. The High Net Worth segment provides discretionary investment management services to high-net worth clients, charities, companies, and institutions through a network of branches; and financial advice services for protection, mortgages, savings, investment, and pensions primarily to high-net-worth clients. Its Affluent segment comprises Quilter Investment Platform, an investment platform for advice-based wealth management products and services; Quilter Investor, which offers investment solutions in the form of funds for the group and third-party clients; and Quilter Financial planning, a restricted and independent financial adviser network that provides mortgage and financial planning advice, and solution for individuals and business through a network of intermediaries. The company was incorporated in 2007 and is based in London, the United Kingdom.

Stock analysis

Quilter PLC (QLT) currently trades at £1.82, while our model-based Fair Value estimate is £3.64, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of £31.44 per share, and 6 of the 12 models we run sit above the £1.82 price.

Bear case: the Asset-Based group reads lowest at £0.7300, and 6 of the 12 models stay below the price. Evidence for this calculation is high.

Scenario range: £0.7700 (bear) to £5.11 (bull), the price of £1.82 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Quilter PLC reported revenue of £9.4B in FY2025 versus £4.7B in FY2021, a compound +18.9%/yr. Reported net income was £120M in FY2025, compounding −6.0%/yr from FY2021.

Key figures

Market cap 2.8B GBX · P/E ratio 20.2 · P/S ratio 0.26 · EPS (TTM) £0.0900 · Dividend yield 3.5% · Net margin 1.3% · Return on equity 8.3% · Return on assets (EBIT) 0.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 13% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 100%, QLT screens cheaper than that median.

Fair Value models

Bear £0.7700 Fair Value £3.64 Bull £5.11
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£0.0198 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income £0.9000 £0.9700 £1.07 74
Growth DCF £69.66 £131.28 £230.56 73
Owner Earnings £3.12 £5.16 £9.28 71
All 12 models by family
DCF Models
Owner Earnings £3.12 £5.16 £9.28 71
5Y P/E Exit £22.85 £31.44 £40.11 70
10Y P/E Exit £38.62 £56.92 £80.02 62
Earnings-Based
Graham-Dodd £0.6000 £4.21 £5.91 61
Lynch FV £2.17 £3.11 £4.04 59
Dividend Discount
Gordon GGM £0.5500 £1.09 £1.65 64
DDM Multi-Stage £0.5500 £0.9400 £1.15 65
Multiples
P/E Multiple £0.8700 £1.15 £1.44 63
P/B Multiple £1.13 £1.51 £1.89 55
Asset-Based
NCAV (Graham) £0.5400 £0.7300 £1.08 54
Growth DCF
Growth DCF £69.66 £131.28 £230.56 73
Economic Profit
Residual Income £0.9000 £0.9700 £1.07 74

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Quality Score breakdown

Overall quality 62/100

Of which business quality 55 · Market factors (momentum, volatility) 58

Profitability 20
Margins and returns on capital today
Quality Growth 68
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 9
Balance sheet, leverage, solvency risk
Investment 70
Disciplined investing over empire-building
Low Volatility 76
Calm price path (market factor)
Momentum 50
Price trend over the last 3–12 months (market factor)
52W Momentum 50
Distance to the 52-week high (market factor)
Net Issuance 88
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+72.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.0%
Start year 2020 (pandemic). Over 10 years: +16.0% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+38.9%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.5%
Dividend (yield on the price)3.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9% vs 5%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.3% → 4%
Start year 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 659 stocks

Beats the industry median on 7/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Below median
Fair Value upside +100% · Top 25%
Profitability
Return on equity (TTM) 8% · Above median
Return on assets 0% · Below median
Net margin (TTM) 1% · Bottom 25%
Operating margin (TTM) 3% · Bottom 25%
Growth and dividend
Revenue growth 230% · Top 25%
Dividend yield (TTM) 3.5% · Below median
Balance sheet
Debt / equity 0.14× · Above median

Valuation Multiplesvs Asset Management median · lower = cheaper

P/E (TTM) 20.2× · Pricier than median
P/B 2.53× · Priciest 25%
P/S (TTM) 0.40× · Cheapest 25%
P/FCF 0.6× · Cheapest 25%
EV/EBITDA 4.8× · Cheaper than median
PEG 1.23× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 55
FUTURE (revenue growth)100 · sector 20
PAST (return on equity)33 · sector 22
HEALTH (low debt)93 · sector 95
DIVIDEND (yield)69 · sector 80

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Blackstone Inc BX $124.01 $52.88 −57%
Brookfield Corporation BN $37.85 $13.75 −64%
KKR & Co KKR $98.44 $19.97 −80%
Apollo Global Management, Inc APO $124.15 $229.64 +85%
State Street Corporation STT $180.25 $138.33 −23%
Ameriprise Financial, Inc AMP $512.37 $579.51 +13%
Ares Management Corporation ARES $124.72 $119.25 −4%
Northern Trust Corporation NTRS $173.40 $122.02 −30%
Raymond James Financial, Inc RJF $159.39 $312.27 +96%
T. Rowe Price Group TROW $104.17 $208.34 +100%

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Quilter PLC · Fair Value
£3.64 +50%Fair Value
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Cite: Fair Value Calculator (2026). "Quilter PLC Fair Value". https://www.fairvalue-calculator.com/stock/QLT

Frequently asked questions

Is Quilter PLC (QLT) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £3.64 versus a price of £1.82, about +100% upside (undervalued).
What is the fair value of QLT?
Our model-based fair value for Quilter PLC is £3.64 (as of Sep 24, 2026), built from audited fundamentals. The current price: £1.82.
What is the quality score of QLT?
Quilter PLC has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Quilter PLC (QLT)?
Our model-based price target is the fair value of £3.64 (as of Sep 24, 2026) from 12 valuation models. Cautious scenario £0.7700, optimistic scenario £5.11. It is a calculation from audited fundamentals, not an analyst target.
What is the Quilter PLC stock forecast for 2026?
Our models put fair value at £3.64, about +100% upside versus a price of £1.82 (undervalued). Cautious scenario £0.7700, optimistic scenario £5.11. The calculation is refreshed regularly with new filings.
What is the revenue of Quilter PLC (QLT)?
Quilter PLC reported trailing-twelve-month revenue of about £9.4B (latest available figure, as of Sep 24, 2026).
Does Quilter PLC pay a dividend?
Quilter PLC currently shows a dividend yield of about 3.46% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Quilter PLC (QLT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Quilter PLC it is £3.64 per share (as of Sep 24, 2026), against a price of £1.82. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Quilter PLC stock overvalued or undervalued in 2026?
As of Sep 24, 2026, QLT trades below its calculated fair value: price £1.82, fair value £3.64, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of QLT?
No. The price is what the market pays today (£1.82); the fair value is what the company's own numbers justify (£3.64). For Quilter PLC the two are £1.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is Quilter PLC worth?
The market values Quilter PLC at about 2.8B GBX (market capitalisation, as of Sep 24, 2026). Per share that is £1.82; our models calculate a fair value of £3.64 per share.
What do the bullish and bearish scenarios say about QLT?
Our models span a range for Quilter PLC: cautious scenario £0.7700, base £3.64, optimistic £5.11 per share (as of Sep 24, 2026, price £1.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QLT?
Quilter PLC trades at a price-to-earnings ratio of 20.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £3.64 is built from several models across several years. Other multiples: PEG 1.2, P/B 2.5, P/S 0.4, EV/EBITDA 4.8.
What is the PEG ratio of QLT?
The PEG ratio of Quilter PLC is 1.23 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Quilter PLC (QLT)?
Balance-sheet figures for Quilter PLC (as of Sep 24, 2026): return on equity 8.3%, debt of 0.14 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is QLT from its 52-week high?
Quilter PLC trades at £1.82, about 13% below its 52-week high of £2.08 and 17% above the low of £1.56 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of £3.64 is for.
Which stocks are comparable to Quilter PLC?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Quilter PLC stock attractive at the current price?
The data as of Sep 24, 2026: price £1.82, calculated fair value £3.64 (+100%), Quality Score 62/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of QLT calculated?
We run Quilter PLC through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £3.64, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Quilter PLC currently trades 100 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Quilter PLC (QLT)?
The closing price on Sep 23, 2026 was £1.82. Our model-based fair value is £3.64, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Quilter PLC right now?
The model range is unusually wide (£0.7700 to £5.11). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Quilter PLC

How large is the market capitalisation of Quilter PLC (QLT)?
The market capitalisation of Quilter PLC is 2.8B GBX. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Quilter PLC (QLT)?
The price-to-sales ratio of Quilter PLC is 0.26 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Quilter PLC (QLT)?
Earnings per share at Quilter PLC are £0.0900 (price ÷ EPS = P/E 20.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Quilter PLC (QLT)?
The dividend yield of Quilter PLC is 3.5% (payout 70.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Quilter PLC (QLT)?
The net margin of Quilter PLC is 1.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Quilter PLC (QLT)?
The return on equity (ROE) of Quilter PLC is 8.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Quilter PLC (QLT)?
On an EBIT basis the return on assets of Quilter PLC is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Quilter PLC (QLT)?
The operating margin of Quilter PLC is 3.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Quilter PLC (QLT)?
Revenue at Quilter PLC is growing +230% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Quilter PLC (QLT)?
Earnings per share at Quilter PLC are growing +267% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Quilter PLC (QLT) generate?
The free cash flow of Quilter PLC is 6.2B GBX (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Quilter PLC (QLT) hold?
Quilter PLC holds more cash than debt, 1.9B GBX net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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