Quilter plc

BATS-CHIXE:QLTL Stock Report

Market Cap: UK£1.9b

Quilter Valuation

Is QLTL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of QLTL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: QLTL (£1.43) is trading above our estimate of fair value (£1.02)

Significantly Below Fair Value: QLTL is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for QLTL?

Key metric: As QLTL is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for QLTL. This is calculated by dividing QLTL's market cap by their current earnings.
What is QLTL's PE Ratio?
PE Ratio38.5x
EarningsUK£50.00m
Market CapUK£1.92b

Price to Earnings Ratio vs Peers

How does QLTL's PE Ratio compare to its peers?

The above table shows the PE ratio for QLTL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average33.5x
RAT Rathbones Group
27.9x33.5%UK£1.8b
JTC JTC
56.6x29.0%UK£1.6b
BPT Bridgepoint Group
42x33.2%UK£2.8b
ABDN abrdn
7.7x-20.9%UK£2.5b
QLTL Quilter
38.5x36.6%UK£1.9b

Price-To-Earnings vs Peers: QLTL is expensive based on its Price-To-Earnings Ratio (38.5x) compared to the peer average (33.5x).

Price to Earnings Ratio vs Industry

How does QLTL's PE Ratio compare vs other companies in the GB Capital Markets Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
PNIX Phoenix Digital Assets
1.2xn/aUS$34.25m
IX. i(x) Net Zero
0.1xn/aUS$8.94m
APQ APQ Global
0.4xn/aUS$5.78m
MAFL Mineral & Financial Investments
2xn/aUS$4.88m
No more companies available in this PE range
No. of Companies19PE01020304050+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: QLTL is expensive based on its Price-To-Earnings Ratio (38.5x) compared to the UK Capital Markets industry average (12x).

Price to Earnings Ratio vs Fair Ratio

What is QLTL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

QLTL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio38.5x
Fair PE Ratio24.7x

Price-To-Earnings vs Fair Ratio: QLTL is expensive based on its Price-To-Earnings Ratio (38.5x) compared to the estimated Fair Price-To-Earnings Ratio (24.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst QLTL forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£1.43
UK£1.45
+1.7%
15.2%UK£1.80UK£0.95n/a14
Nov ’25UK£1.44
UK£1.45
+0.5%
15.2%UK£1.80UK£0.95n/a14
Oct ’25UK£1.31
UK£1.34
+2.7%
14.9%UK£1.70UK£0.95n/a13
Sep ’25UK£1.38
UK£1.34
-3.2%
15.3%UK£1.70UK£0.95n/a13
Aug ’25UK£1.34
UK£1.22
-9.4%
15.0%UK£1.60UK£0.95n/a13
Jul ’25UK£1.19
UK£1.17
-1.9%
13.1%UK£1.40UK£0.85n/a13
Jun ’25UK£1.17
UK£1.17
-0.6%
15.8%UK£1.58UK£0.85n/a14
May ’25UK£1.11
UK£1.14
+2.5%
17.0%UK£1.58UK£0.85n/a13
Apr ’25UK£1.07
UK£1.13
+5.0%
17.5%UK£1.58UK£0.85n/a14
Mar ’25UK£1.06
UK£1.10
+3.7%
19.1%UK£1.58UK£0.76n/a14
Feb ’25UK£1.03
UK£1.10
+7.2%
19.1%UK£1.58UK£0.76n/a14
Jan ’25UK£1.03
UK£1.06
+2.9%
22.0%UK£1.58UK£0.68n/a14
Dec ’24UK£0.94
UK£1.06
+11.9%
23.1%UK£1.58UK£0.68n/a13
Nov ’24UK£0.82
UK£1.06
+29.1%
23.0%UK£1.58UK£0.68UK£1.4413
Oct ’24UK£0.86
UK£1.08
+25.6%
23.8%UK£1.58UK£0.68UK£1.3113
Sep ’24UK£0.85
UK£1.09
+28.5%
23.8%UK£1.58UK£0.68UK£1.3813
Aug ’24UK£0.77
UK£1.02
+32.3%
25.5%UK£1.58UK£0.70UK£1.3413
Jul ’24UK£0.80
UK£1.04
+30.7%
23.5%UK£1.58UK£0.73UK£1.1913
Jun ’24UK£0.85
UK£1.04
+23.1%
23.5%UK£1.58UK£0.73UK£1.1713
May ’24UK£0.85
UK£1.07
+26.2%
24.2%UK£1.58UK£0.73UK£1.1112
Apr ’24UK£0.84
UK£1.08
+28.3%
22.8%UK£1.58UK£0.75UK£1.0712
Mar ’24UK£0.92
UK£1.10
+19.5%
23.3%UK£1.58UK£0.74UK£1.0613
Feb ’24UK£0.98
UK£1.12
+14.4%
22.2%UK£1.58UK£0.74UK£1.0312
Jan ’24UK£0.93
UK£1.15
+24.2%
21.0%UK£1.61UK£0.83UK£1.0313
Dec ’23UK£0.99
UK£1.16
+17.8%
20.7%UK£1.61UK£0.83UK£0.9413
Nov ’23UK£0.99
UK£1.20
+20.8%
26.8%UK£1.98UK£0.83UK£0.8213

Analyst Forecast: Target price is less than 20% higher than the current share price.

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