WT Financial Group Ltd (WTL) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of WT Financial Group Ltd A$0.32, price A$0.16, upside +100.0%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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 A$0.0530 – A$0.1800 · fair‑value band A$0.1640 – A$0.6730 · the A$0.1600 price screens below the A$0.3200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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WT Financial Group Limited provides a range of financial services. It operates in two segments, Business to Business and Direct to Consumer.
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WT Financial Group Limited provides a range of financial services. It operates in two segments, Business to Business and Direct to Consumer. The company provides licensing, risk management and compliance, education and training, and technical support services; and practice management and development services, including consumer marketing and education tools. It also offers financial planning, investment advice, and product sales and licensing services; tax, accounting, and SMSF administration services. In addition, the company provides wealth management, personal risk insurance advice, and retirement planning services. The company was formerly known as Spring FG Limited and changed its name to WT Financial Group Limited in November 2019. The company was founded in 2010 and is based in Sydney, Australia.
Stock analysis
WT Financial Group Ltd (WTL) currently trades at A$0.1600, while our model-based Fair Value estimate is A$0.3200, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of A$0.4700 per share, and 8 of the 11 models we run sit above the A$0.1600 price.
Bear case: the Asset-Based group reads lowest at A$0.0600, and 3 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: A$0.1640 (bear) to A$0.6730 (bull), the price of A$0.1600 sits below 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 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
WT Financial Group Ltd reported revenue of A$28.7M in FY2025 versus A$12.8M in FY2021, a compound +22.4%/yr. Reported net income was A$4.6M in FY2025.
Key figures
Market cap A$55.0M (≈ $38.6M) · P/E ratio 16.0 · P/S ratio 2.59 · EPS (TTM) A$0.0100 · Dividend yield 5.0% · Net margin 16.2% · Return on equity 15.6% · Return on assets (EBIT) 7.8%.
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 11% below its 52-week high and 33% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 100%, WTL screens cheaper than that median.
Fair Value models
Bear A$0.1640Fair Value A$0.3200Bull A$0.6730
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 12 months old). Earnings retained since then (A$0.0020 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.
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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 3 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.
+143.9%
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.
+77.1%
Revenue growth 11 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.
+41.5%
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What shareholders gained per year (last 3 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 3 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.
+17.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.2%
Dividend (yield on the price)5.0%
Profit margin 2018 to 2023 ⓘ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.−44% → 4%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−7.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about −9.7% a year for the price.
Price, fair value, quality and upside side by side.
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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 · 658 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)16% · Top 25%
Return on assets7% · Top 25%
Net margin (TTM)16% · Below median
Operating margin (TTM)22% · Below median
Growth and dividend
Revenue growth18% · Above median
Dividend yield (TTM)5.0% · Above median
Balance sheet
Debt / equity0.21× · Above median
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (TTM)16.0× · Pricier than median
P/B1.21× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "WT Financial Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/WTL
Frequently asked questions
Is WT Financial Group Ltd (WTL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of A$0.3200 versus a price of A$0.1600, about +100% upside (undervalued).
What is the fair value of WTL?
Our model-based fair value for WT Financial Group Ltd is A$0.3200 (as of Sep 24, 2026), built from audited fundamentals. The current price: A$0.1600.
What is the quality score of WTL?
WT Financial Group Ltd has a Quality Score of 58/100. 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 WT Financial Group Ltd (WTL)?
Our model-based price target is the fair value of A$0.3200 (as of Sep 24, 2026) from 11 valuation models. Cautious scenario A$0.1640, optimistic scenario A$0.6730. It is a calculation from audited fundamentals, not an analyst target.
What is the WT Financial Group Ltd stock forecast for 2026?
Our models put fair value at A$0.3200, about +100% upside versus a price of A$0.1600 (undervalued). Cautious scenario A$0.1640, optimistic scenario A$0.6730. The calculation is refreshed regularly with new filings.
What is the revenue of WT Financial Group Ltd (WTL)?
WT Financial Group Ltd reported trailing-twelve-month revenue of about A$31.1M (latest available figure, as of Sep 24, 2026).
Does WT Financial Group Ltd pay a dividend?
WT Financial Group Ltd currently shows a dividend yield of about 5.00% relative to its recent price (as of Sep 24, 2026).
What growth is priced into WT Financial Group Ltd (WTL)?
For today's price to be fair in a discounted-cash-flow model, WT Financial Group Ltd would have to grow free cash flow by -7.0 % per year for five years (discount rate 8.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +18.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of WTL use?
Our models discount WT Financial Group Ltd at 8.3 %: a base by market capitalisation (nano), damped by beta 0.33, country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For WT Financial Group Ltd that is -7.0 % per year a year over ten years, using the same discount rate (8.3 %) and the same formula as our fair value.
How much growth has WT Financial Group Ltd (WTL) delivered so far?
Over the past 5 years revenue at WT Financial Group Ltd grew +18.9 % a year. The price currently implies -7.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of WT Financial Group Ltd (WTL) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into WT Financial Group Ltd (-7.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of WT Financial Group Ltd (WTL)?
The free-cash-flow yield on the price is 10.01 %: that much free cash flow WT Financial Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of WT Financial Group Ltd (WTL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For WT Financial Group Ltd it is A$0.3200 per share (as of Sep 24, 2026), against a price of A$0.1600. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is WT Financial Group Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, WTL trades below its calculated fair value: price A$0.1600, fair value A$0.3200, 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 WTL?
No. The price is what the market pays today (A$0.1600); the fair value is what the company's own numbers justify (A$0.3200). For WT Financial Group Ltd the two are A$0.1600 per share apart. That gap is exactly why we show both numbers side by side.
How much is WT Financial Group Ltd worth?
The market values WT Financial Group Ltd at about A$55.0M (market capitalisation, as of Sep 24, 2026). Per share that is A$0.1600; our models calculate a fair value of A$0.3200 per share.
What do the bullish and bearish scenarios say about WTL?
Our models span a range for WT Financial Group Ltd: cautious scenario A$0.1640, base A$0.3200, optimistic A$0.6730 per share (as of Sep 24, 2026, price A$0.1600). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WTL?
WT Financial Group Ltd trades at a price-to-earnings ratio of 16.0 (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 A$0.3200 is built from several models across several years. Other multiples: P/B 1.2, P/S 1.2, EV/EBITDA 5.2.
How solid is the balance sheet of WT Financial Group Ltd (WTL)?
Balance-sheet figures for WT Financial Group Ltd (as of Sep 24, 2026): return on equity 15.6%, debt of 0.21 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is WTL from its 52-week high?
WT Financial Group Ltd trades at A$0.1600, about 11% below its 52-week high of A$0.1800 and 33% above the low of A$0.1200 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.3200 is for.
Which stocks are comparable to WT Financial Group Ltd?
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 WT Financial Group Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price A$0.1600, calculated fair value A$0.3200 (+100%), Quality Score 58/100, from 11 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 WTL calculated?
We run WT Financial Group Ltd through 11 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 A$0.3200, 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 13.0 % above its aggregate fair value. WT Financial Group Ltd 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 WT Financial Group Ltd (WTL)?
The closing price on Sep 24, 2026 was A$0.1600. Our model-based fair value is A$0.3200, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with WT Financial Group Ltd right now?
The price is below even our cautious bear case (A$0.1640). The market is more pessimistic than our downside scenario. The model range is unusually wide (A$0.1640 to A$0.6730). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality.
Where does the earnings growth of WT Financial Group Ltd (WTL) come from?
Earnings per share at WT Financial Group Ltd grew −2.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +17.5 %, EBIT margin −19.1 %, tax rate +1.2 %, residual (interest, one-offs) +1.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of WT Financial Group Ltd
How large is the market capitalisation of WT Financial Group Ltd (WTL)?
The market capitalisation of WT Financial Group Ltd is A$55.0M (≈ $38.6M). 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 WT Financial Group Ltd (WTL)?
The price-to-sales ratio of WT Financial Group Ltd is 2.59 (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 WT Financial Group Ltd (WTL)?
Earnings per share at WT Financial Group Ltd are A$0.0100 (price ÷ EPS = P/E 16.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of WT Financial Group Ltd (WTL)?
The dividend yield of WT Financial Group Ltd is 5.0% (payout 80.0%). 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 WT Financial Group Ltd (WTL)?
The net margin of WT Financial Group Ltd is 16.2% (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 WT Financial Group Ltd (WTL)?
The return on equity (ROE) of WT Financial Group Ltd is 15.6% (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 WT Financial Group Ltd (WTL)?
On an EBIT basis the return on assets of WT Financial Group Ltd is 7.8% (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 WT Financial Group Ltd (WTL)?
The operating margin of WT Financial Group Ltd is 21.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at WT Financial Group Ltd (WTL)?
Revenue at WT Financial Group Ltd is growing +18.4% versus a year earlier (3y avg −34.4%). 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 WT Financial Group Ltd (WTL)?
Earnings per share at WT Financial Group Ltd are growing +11.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does WT Financial Group Ltd (WTL) hold?
WT Financial Group Ltd holds more cash than debt, A$2.4M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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