Wt Financial Group Ltd. · ASX:WTL
Wt Financial — FY2026 Earnings Presentation
19 slides from Wt Financial's earnings presentation, September 2026
Slide 1: Six years of compounding growth.
WT FINANCIAL GROUP | FY2026 RESULTS Six years of compounding growth. And we are only getting started. FY2026 Results & Investor Briefing Keith Cullen · Founder & Managing Director · ASX: WTL
Slide 2: One of Australia's largest financial advice networks
WTL TODAY One of Australia's largest financial advice networks 500+ ~400 ~$25B 4 Financial advisers Privately-owned Assets under advice National advice networks practices networks ONE SHARED OPERATING PLATFORM Advice is at the heart of everything we do. Wealth Today Sentry Advice Synchron Advice Mil
Slide 3: Six consecutive years of growth
DELIVERED PERFORMANCE Six consecutive years of growth NET REVENUE & OTHER INCOME EBITDA NPBT FY21 FY26 FY21 FY26 FY21 FY26 $4.1M → $33.1M Loss → $8.2M Loss → $6.6M The platform has been built. 03
Slide 4: Growth is translating into earnings
FY2026 RESULTS Growth is translating into earnings +15.6% +19.5% +19.1% +6.9% Total Net Revenue & Other EBITDA NPBT Statutory NPAT Income $33.1M $8.2M $6.6M $5.0M Operating leverage continues to emerge. Sixth consecutive year of compounding growth 04
Slide 5: A stronger balance sheet
FY2026 FINANCIAL POSITION A stronger balance sheet $16.8M $11.0M $34.6M $2.4M Cash & cash equivalents Net current assets Net assets Net tangible assets FY2025: $9.8M +118.4% +8.4% FY2025: $(1.4)M Entering FY2027 with greater financial capacity and flexibility. 05
Slide 6: Capacity to invest
CAPITAL MANAGEMENT Capacity to invest $16.8M $9.2M $2.5M Cash at 30 June Borrowings at 30 June Undrawn facilities +$2.5M drawn during FY2026 Additional funding drawn ahead of anticipated investment opportunities. 06
Slide 7: Profitable growth. Capital returned.
SHAREHOLDER RETURNS Profitable growth. Capital returned. STATUTORY RETURN ON EQUITY FY2026 DIVIDENDS 14.9% 1.0 cps FY2026 NPAT / average shareholders' equity Fully franked 0.25 cps interim 0.75 cps final ~$3.42M total FY2026 dividends declared Growth and shareholder returns are not mutually exclusiv
Slide 8: More demand. Constrained supply.
THE OPPORTUNITY More demand. Constrained supply. $4T+ 250K ~15,000 Australian superannuation Australians retiring annually Financial advisers Australia needs more advice — not less. 08
Slide 9: Tailwinds are not enough.
OUR DIFFERENCE Tailwinds are not enough. SCALE 500+ advisers ALIGNMENT CAPITAL We participate when Investco + Hubco WTL practices grow COMMUNITY CAPABILITY Shared experience + intellectual Infrastructure difficult to intellectual property replicate independently We have built the machinery to captur
Slide 10: Alignment, not control.
OUR OPERATING PHILOSOPHY Alignment, not control. We don't tell advisers how to run their businesses. We earn the right to help them build better ones. INDEPENDENT ALIGNED MINIMAL COMMERCIAL EARNED BUSINESSES ECONOMICS INTERFERENCE TRUST Own brand. Own clients. When they grow, WTL grows. Support rath
Slide 11: Straightforward. Not easy.
THE FOUR PILLARS Straightforward. Not easy. 01 PRICING CONFIDENCE 02 CAPACITY BUILDING 03 LEAD FLOW 04 ENTERPRISE VALUE CAPACITY + DEMAND More clients per adviser PRICING CONFIDENCE TODAY Increased adviser pricing ~$660M ~$330M Longer-term revenue pathway ~$220M Potential revenue pathway Gross advis
Slide 12: Scale without surrender.
THE HUBCO PHILOSOPHY Scale without surrender. “Scaled sovereignty” ENTREPRENEURS RETAIN WTL / HUBCO ADDS Identity Leadership Client relationships Scale Infrastructure Risk management Culture Operational control Entrepreneurial upside Technology Capability Capital “When liquidity events do occur, the
Slide 13: From recurring revenue to enterprise value
THE HUBCO MODEL From recurring revenue to enterprise value 1 — PLATFORM 2 — BETTER 3 — ENTERPRISE 4 — WTL BUSINESSES VALUE PARTICIPATION 500+ advisers Four Pillars Corporatisation Investco + direct Hubco equity Recurring revenue Higher productivity Succession + M&A Ecosystem investments BUILDING THE
Slide 14: Income today. Enterprise value tomorrow.
HUBCO IN ACTION — TITAN ADVICE GROUP Income today. Enterprise value tomorrow. CAPITAL DEPLOYED VALUE CREATED FURTHER WTL EXPOSURE $3.425M $1.00 → $1.63 +$696K Investco capital deployed into TAG TAG transaction price Additional TAG shares to WTL Vesta transaction — 30 June 2026 ~$832K WTL initial dir
Slide 15: Different entrepreneurs. Same alignment.
HUBCO IN ACTION Different entrepreneurs. Same alignment. SELECT ADVICE GROUP LIFESUMO Multiple practices. One growing enterprise. Capital backing an existing entrepreneur-led practice. ~$3.23M Investco capital deployed ~$6.60M Initial enterprise value FORMATION GROWTH INITIAL INVESTMENT GROWTH CAPIT
Slide 16: Rebuilding the advice profession
THE NEXT FIVE YEARS Rebuilding the advice profession ENTRY ADVICE CAPACITY More realistic education pathways Simpler to provide Technology + regulatory reform → More advisers → More Australians advised → More clients per adviser More advisers. More clients. More productive practices. WTL already has
Slide 17: Proven today. Optionality for tomorrow.
THE WTL OPPORTUNITY Proven today. Optionality for tomorrow. PROVEN RETURNING CAPITAL OPTIONALITY 6 Consecutive years of growth 1.0 cps Four Pillars Industry reform $8.2M FY2026 EBITDA FY2026 dividends Hubco + ecosystem equity Fully franked 14.9% FY2026 statutory ROE 0.25 cps interim + 0.75 cps final
Slide 18: Q&A Over to you.
YOUR QUESTIONS Q&A Over to you. Keith Cullen · Founder & Managing Director 18
Slide 19: Thank you.
WT FINANCIAL GROUP | ASX: WTL Thank you. Six years of compounding growth. And we are only getting started. CONTACT INVESTOR ENQUIRIES Keith Cullen info@wtfglimited.com Founder & Managing Director wtfglimited.com · ASX: WTL