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WLTH

WealthfrontD
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
The bull case is that official May metrics already extended the Q1 story, with platform assets up to $99.0 billion and investment advisory assets up to $54.0 billion, suggesting advisory-led growth and cross-sell are still working after the June 4 print. If buybacks continue and home lending broadens without a major margin hit, the current price can look too discounted for a still-growing consumer fintech platform.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -5.8.
What can break
Home-lending expansion may support client lifetime value, but it also adds execution risk and management has already indicated near-term margins should run closer to 40% as the business invests.
Momentum
90
Value
40
Sentiment
47
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $9.50 · Bull $13.00 · Bear $6.50Analysis 2026-06-18; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-06-18 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $12.25
Why
Momentum90 · Δ7d -1.7
Value40 · Δ7d +0.0
Sentiment47 · Δ7d -5.8
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -5.8.

Contradictions & invalidation

  • • Home-lending expansion may support client lifetime value, but it also adds execution risk and management has already indicated near-term margins should run closer to 40% as the business invests.
  • • Profitability weakened in Q1 even as assets rose, with GAAP net income down 51% year over year and adjusted EBITDA margin down to 41% from 45%.
  • • The bear case is that Q1's headline growth masked softer earnings quality: revenue rose only 7% versus 19% asset growth, GAAP EPS fell to $0.07 from $0.18, and adjusted EBITDA margin slipped to 41% from 45% as product-development spending increased.

Catalyst clock

2026-07-31

Monthly metrics need to confirm the Q1 asset-growth rebound is holding

Lead driver: Sentiment · See AI snapshot
Momentum
90
8% active weight
Current posture
7d trendSoftening
Δ7d
-1.7
Δ21d
+0.3
Value
40
47% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+1.2
Sentiment
47
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.8
Δ21d
-18.6
Why this grade

Composite grade D. Momentum 90.4 / Value 40.0 / Sentiment 46.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-06-18. Scenario method

B+
Bull case
28%
Probability
Target price
$13.00
Analysis reference price unavailable
Analysis 2026-06-18 · RankAlpha Sentiment Codex
Most likely
B
Base case
44%
Probability
Target price
$9.50
Analysis reference price unavailable
Analysis 2026-06-18 · RankAlpha Sentiment Codex
B-
Bear case
28%
Probability
Target price
$6.50
Analysis reference price unavailable
Analysis 2026-06-18 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$1.74B
Beta
-
Shares Out
156.18M
P/E (TTM) · Derived
-39.8
P/S (TTM)
-
P/FCF (TTM)
-
Rev YoY
+7.1%
EPS YoY
-57.7%
Gross Margin
+21.5%
Op Margin
-34.8%
Net Debt
-$440.79M
Current Ratio
1.49
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data