QualityDipStocks / Finance · Consumer finance
Wealthfront WLTH
Outside our quality screen, so we don’t track its dips. It’s 25% below its 52-week high.
Outside our quality screen, trading well below our fair value estimate.
- Fair value est.
- $25.35+143%
- Market Value
- —
- Off 52-wk high
- −25%
- Risk vs market
- Above marketbeta 1.39
52-week range 48% of the way from its 52-week low to its high
Price $10.44Fair value est. $25.35
5 bullish · 4 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
How the range is computed
Ten-year free-cash-flow DCF. Same 10-year free-cash-flow model as the base: discount rate 9.5% ±1 point and growth 15.0% ±2 points. Bear = 10.5% and 13.0%; bull = 8.5% and 17.0% (both fade to 3%). A model estimate from public filings, not a forecast of where the price will go.
Price is below even the bear case.
Cyclical / peak cash flow — treat with care
What the price implies To be worth today’s price, WLTH’s free cash flow would need to shrink about 1% a year for five years; our estimate uses 15%.
Risk vs market
How risk vs market is measured
One year of daily returns (Dec 16 to Nov 2, 221 sessions). Beta = how much WLTH moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings more than the market, and its own price swings are 4.7× the S&P 500’s.
- Beta vs S&P 500
- 1.39
- Volatility
- 60% vs 13% SPY
- Correlation SPY
- 0.30
- Correlation QQQ
- 0.22
How it ranks
Where WLTH stands vs every one of the 2,467 stocks we cover that has the number. Longer bar = better.
Top quarter on 1 of 3 measures
- Discount to fair value estimate143% · price below our base caseTop 4%of 1,507
- Dividends + buybacks yield3.3% · cash paid out or used to retire shares, vs market capTop 42%of 2,227
- Revenue growth, last 12 months+9.8% · vs the 12 months beforeTop 49%of 2,184
From SEC filings and our fair value estimate model. A ranking, not advice.
Valuation details
DCF $25.35
Cyclical / peak cash flow — treat with care
Assumes 15.0% growth for 5 years (revenue grew 29.8% a year FY24–FY26; capped at 15%), fading to 3%; 9.5% discount rate, 3% terminal growth. FCF base $0.82 a share (trailing 12 months to Jul 31, 2026), from the 10-Q filed Sep 14, 2026.
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
ValuationOur DCF fair value estimate is $25.35, 143% above the price (cyclical or peak cash flow, so treat with care).
GrowthSales compounded 30% a year from FY2024 to FY2026.
ValuationFree-cash-flow yield of 7.9% (price / FCF 12.7×): $143M of free cash in the last 12 months.
GrowthSales grew 10% to $372M over the last 12 months vs the 12 months before (SEC filings).
ProfitabilityGross margin of 89%, above the 52% median for the 28 Finance companies we cover.
Top bearish points 4 of 5
ProfitabilityLost $72M over the last 12 months (net income, SEC filings).
Cash returnsShare count up 22.6% in a year: existing holders are being diluted.
GrowthSales growth slowed to 10% over the last 12 months, from 30% a year over the prior three fiscal years.
ProfitabilityReturn on equity of −20%, below the 12% median for the 363 Finance companies we cover.
All fundamentals
FCF yield 7.9% · ROE -20% · Sales +10%
Valuation
- P/E
- n/aloss over the last 12 months
- Price / FCF
- 12.7×
- FCF yield
- 7.9%
- EV / EBITDA
- n/aD&A or debt not tagged in SEC data
- Price / sales
- 4.89×
- Price / book
- 2.93×
- Market cap
- $1.8Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $372M
- Sales growth, 12 months
- +9.8%vs the 12 months before
- Sales growth, 3 yrs
- +29.8%/yrfrom FY2024
- Diluted EPS, 12 months
- −$1.01
- EPS growth, last FY
- n/afewer than two years of diluted EPS
- Net income, 12 months
- −$72M
- Net income growth
- n/anot reported in its SEC filings
Profitability
- Gross margin
- 89.1%
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- −19.4%
- FCF margin
- 38.5%
- Return on equity
- −20%
- Return on invested capital
- n/aoperating income, debt, equity or cash not tagged
Balance sheet
- Cash & short-term inv.
- $453M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/acash or debt not tagged in SEC data
- Debt / equity
- n/adebt or equity not tagged in SEC data
- Interest coverage
- n/ainterest expense not tagged in SEC data
Cash flow & returns
- Free cash flow, 12 months
- $143M
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- $60M3.3% of market cap
- Share count, 1 year
- +22.6%diluted shares vs a year ago
- Stock-based comp
- $290M
Trailing 12 months to Jul 31, 2026; balance sheet at Jul 31, 2026. From Wealthfront’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $0.1B · Sales +1%
- Free cash flow, 12 months$0.1B
- Free-cash-flow yield7.9%
- Return on equity−16%
- Sales growth (latest quarter vs year-ago quarter)+1%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $10.44
- 52-wk lowlowest close, 1 year$7.20−31.0%
- PriceMon Nov 2 close$10.44you are here
- 52-wk highhighest close, 1 year$13.95+33.6%
- Fair value est.base case$25.35+142.8%
Momentum & 52-week range
5 days −2.8%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
WLTH is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Wealthfront in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Consumer finance
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.