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Wealthfront (WLTH) investor relations material
Wealthfront IPO filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.IPO filing summary2 Dec, 2025
Company overview and business model
Operates a technology-driven financial solutions platform targeting digital natives (Millennials, Gen Z, and later generations), offering cash management, investment advisory, borrowing/lending, and financial planning products.
Focuses on automation, low-cost diversified portfolios, and seamless digital experiences, with a business model aligned to client success and trust.
As of July 31, 2025, serves over 1.3 million funded clients with $88.2B in platform assets, primarily high-earning, long-term savers.
Achieves organic growth through product-led strategy, high client retention (~95%), and strong word-of-mouth referrals (>50% of new clients from referrals in the last two years).
Revenue primarily from cash management (75% of FY25 revenue) and investment advisory (24% of FY25 revenue), with a transparent, low-fee structure.
Financial performance and metrics
FY25 revenue: $308.9M (up 43% YoY); net income: $194.4M (net income margin 63%); Adjusted EBITDA: $142.7M (margin 46%).
Platform assets grew 39% YoY to $80.2B as of Jan 31, 2025, and 24% YoY to $88.2B as of July 31, 2025.
Cash management assets: $42.4B; investment advisory assets: $46.6B as of July 31, 2025.
Annual net revenue retention >120% for 11 consecutive years; annual client retention ~95% for FY24 and FY25.
Q3 FY26 (ended Oct 31, 2025) estimated revenue: $91–95M; net income: $29–30M; Adjusted EBITDA: $43–45M.
Use of proceeds and capital allocation
Estimated net proceeds of $255.2M (or $318.6M if underwriters' option exercised) at $13.00/share IPO price.
Proceeds to be used for working capital, product development, general corporate purposes, capital expenditures, and regulatory capital needs.
$200M of proceeds to repay borrowings under a $250M revolving credit facility, drawn to cover tax withholding/remittance for RSU settlements.
May use a portion for acquisitions or investments, but no current agreements for material acquisitions.
Describe mortgage product launch strategy
How does rate volatility affect revenue mix?
Post-IPO RSU vesting impact on profitability?
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Eferix Drawings Google Play
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