Waton Financial (WTF) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 28, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WTF SEC filings page.
Waton Financial Limited (WTF) reported $11.1M in revenue for fiscal year 2026, up 48.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Revenue recovered in FY2026, but operating losses and cash needs outpaced it, with financing supplying $19.6M .
The FY2026 revenue rebound did not translate into operating leverage: revenue rose48.8% , yet operating margin was still-131.1% . With free cash flow of-$7.4M alongside financing cash flow of$19.6M , the larger balance sheet was funded primarily outside operations rather than by internally generated cash.
Operating income swung from a
Capital intensity was not the main cash drain: capital expenditures were only
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Waton Financial Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Waton Financial Limited earned a return on assets of -27.7% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is up from -39.0% the prior year. Earnings ranks banks on that return over three years, and Waton Financial Limited scores 5/100 among other banks.
Waton Financial Limited reported revenue of $11.1M in fiscal year 2026, against $7.4M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Waton Financial Limited scores 36/100 among other banks.
Waton Financial Limited funded 39.7% of its assets with shareholders' equity at the end of fiscal year 2026, holding $21.7M of equity against $54.7M of assets. Capital ranks banks on that cushion, and Waton Financial Limited scores 91/100 among other banks.
Not available for Waton Financial Limited, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Not available for Waton Financial Limited, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Waton Financial Limited reported a net loss of $15.2M in fiscal year 2026, against a loss of $12.0M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Waton Financial Limited scores 12/100 among other banks.
Waton Financial Limited passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.
Waton Financial Limited reported an operating loss of $14.5M against $923K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
Waton Financial Limited generated $11.1M in revenue in fiscal year 2026. This represents an increase of 48.8% from the prior year.
Waton Financial Limited's EBITDA was -$14.4M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization. The change from the prior year is not meaningful, because that figure was zero or negative.
Waton Financial Limited reported a net loss of $15.2M in fiscal year 2026. The change from the prior year is not meaningful, because that figure was zero or negative.
Waton Financial Limited earned -$0.31 per diluted share (EPS) in fiscal year 2026. The change from the prior year is not meaningful, because that figure was zero or negative.
Cash & Balance Sheet
Waton Financial Limited recorded an outflow of $7.4M in free cash flow in fiscal year 2026, representing a cash shortfall after capex. This represents a decrease of 2232.7% from the prior year.
Waton Financial Limited held $10.4M in cash as of fiscal year 2026; no long-term debt figure is on record for that period.
Not reported for fiscal year 2026.
Margins & Returns
Waton Financial Limited's ROE was -69.8% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is up 24.0 percentage points from the prior year.
Not reported for fiscal year 2026.
Not shown for fiscal year 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Not shown for fiscal year 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Waton Financial Limited invested $726K in research and development in fiscal year 2026. This represents an increase of 69.8% from the prior year.
Waton Financial Limited repurchased no shares in fiscal year 2026. The change from the prior year is not meaningful, because that figure was zero or negative.
Waton Financial Limited invested $324K in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 2254.3% from the prior year.
WTF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2620-F | FY2520-F | FY2420-F | FY2320-F |
|---|---|---|---|---|
| Revenue | $11.1M+48.8% | $7.4M-25.9% | $10.1M+75.2% | $5.7M |
| R&D Expenses | $726K+69.8% | $428Kn/m | $0n/m | $0 |
| Operating Income | -$14.5Mn/m | -$10.7M-461.9% | $2.9M-4.0% | $3.1M |
| EBITDA | -$14.4Mn/m | -$10.5M-450.4% | $3.0M-2.0% | $3.1M |
| Interest Expense | $923K+218.2% | $290K+83.0% | $158K+778.2% | $18K |
| Income Tax | $0-100.0% | $153K-65.1% | $440K-38.5% | $715K |
| Net Income | -$15.2Mn/m | -$12.0M-579.4% | $2.5M-19.0% | $3.1M |
| EPS (Basic) | -$0.31n/m | -$0.29 | $0.04 | $0.09 |
| EPS (Diluted) | -$0.31n/m | -$0.29 | $0.04 | $0.09 |
| Diluted Shares (Avg) | 48M+15.4% | 42M | 63M | 35M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, SG&A Expenses.
WTF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2620-F | FY2520-F | FY2420-F | FY2320-F |
|---|---|---|---|---|
| Total Assets | $54.7M+77.9% | $30.7M-6.0% | $32.7M | N/A |
| Current Assets | $50.1M+97.9% | $25.3M-2.0% | $25.8M | N/A |
| Cash & Equivalents | $10.4M+34.9% | $7.7M+56.0% | $4.9M-74.1% | $19.1M |
| Short-Term Investments | $0n/m | $0n/m | $0n/m | $0 |
| Long-Term Investments | N/A | $2.9M-17.1% | $3.5Mn/m | $0 |
| Total Liabilities | $32.9M+83.4% | $18.0M-18.2% | $21.9M | N/A |
| Current Liabilities | $32.5M+81.2% | $17.9M-16.4% | $21.5M | N/A |
| Non-Current Liabilities | $458K+1398.0% | $31K-93.8% | $491K | N/A |
| Total Equity | $21.7M+70.2% | $12.8M+18.9% | $10.7M-24.1% | $14.2M |
| Retained Earnings | -$24.3Mn/m | -$9.1M-418.4% | $2.9M | N/A |
Not reported in any period shown, so not listed: Inventory, Accounts Receivable, Goodwill, Long-Term Debt.
WTF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2620-F | FY2520-F | FY2420-F | FY2320-F |
|---|---|---|---|---|
| Operating Cash Flow | -$7.1M-2061.4% | $360Kn/m | -$1.8M-115.4% | $12.0M |
| Depreciation & Amortization | $153K+49.2% | $103K+53.1% | $67K+1108.3% | $6K |
| Stock-Based Compensation | $7.1M-19.7% | $8.8Mn/m | $0-100.0% | $380K |
| Capital Expenditures | $324K+2254.3% | $14K-94.8% | $262K+5165.0% | $5K |
| Free Cash Flow | -$7.4M-2232.7% | $346Kn/m | -$2.1M-117.6% | $12.0M |
| Investing Cash Flow | -$2.0Mn/m | -$14Kn/m | -$8.2Mn/m | -$5K |
| Financing Cash Flow | $19.6M+610.3% | $2.8Mn/m | -$8.3M-164.0% | $13.0M |
| Share Buybacks | $0n/m | $0-100.0% | $6.0Mn/m | $0 |
Not reported in any period shown, so not listed: Dividends Paid.
WTF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2620-F | FY2520-F | FY2420-F | FY2320-F |
|---|---|---|---|---|
| Operating Margin | -131.1% | -143.0% | 29.3%-24.2pp | 53.4% |
| Net Margin | -136.7% | -160.7% | 24.8%-28.9pp | 53.7% |
| Return on Equity | -69.8%+24.0pp | -93.7%-117.0pp | 23.2%+1.5pp | 21.8% |
| Return on Assets | -27.7%+11.2pp | -39.0%-46.6pp | 7.6% | N/A |
| Current Ratio | 1.54+0.1x | 1.41+0.2x | 1.20 | N/A |
| Liabilities-to-Equity | 1.52+0.1x | 1.41-0.6x | 2.04 | N/A |
| Asset Turnover | 0.200.0x | 0.24-0.1x | 0.31 | N/A |
| FCF Margin | -66.6%-71.3pp | 4.7%+25.6pp | -21.0% | 208.5% |
Not reported in any period shown, so not listed: Gross Margin, Debt-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin, FCF Margin.
Where Waton Financial Limited Ranks
Frequently Asked Questions
What is Waton Financial Limited's annual revenue?
Waton Financial Limited (WTF) reported $11.1M in total revenue for fiscal year 2026. This represents a 48.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Waton Financial Limited's revenue growing?
Waton Financial Limited (WTF) revenue grew by 48.8% year-over-year, from $7.4M to $11.1M in fiscal year 2026.
Is Waton Financial Limited profitable?
No, Waton Financial Limited (WTF) reported a net loss of $15.2M in fiscal year 2026.
What is Waton Financial Limited's EBITDA?
Waton Financial Limited (WTF) had EBITDA of -$14.4M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.
What is Waton Financial Limited's return on equity (ROE)?
Waton Financial Limited (WTF) has a return on equity of -69.8% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Waton Financial Limited's free cash flow?
Waton Financial Limited (WTF) recorded an outflow of $7.4M in free cash flow during fiscal year 2026. This represents a -2232.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Waton Financial Limited's operating cash flow?
Waton Financial Limited (WTF) recorded an outflow of $7.1M in operating cash flow during fiscal year 2026, representing cash used by core business activities.
What are Waton Financial Limited's total assets?
Waton Financial Limited (WTF) had $54.7M in total assets as of fiscal year 2026, including both current and long-term assets.
What are Waton Financial Limited's capital expenditures?
Waton Financial Limited (WTF) invested $324K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
How much does Waton Financial Limited spend on research and development?
Waton Financial Limited (WTF) invested $726K in research and development during fiscal year 2026.
What is Waton Financial Limited's current ratio?
Waton Financial Limited (WTF) had a current ratio of 1.54 as of fiscal year 2026, which is generally considered healthy.
What is Waton Financial Limited's liabilities-to-equity ratio?
Waton Financial Limited (WTF) had a liabilities-to-equity ratio of 1.52 as of fiscal year 2026, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2026, because the filing data we hold for that year carries no long-term debt figure.
What is Waton Financial Limited's return on assets (ROA)?
Waton Financial Limited (WTF) had a return on assets of -27.7% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Waton Financial Limited's P/E ratio?
Waton Financial Limited (WTF) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2026). The market capitalization is $99.4M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Waton Financial Limited's price-to-sales ratio?
Waton Financial Limited (WTF) trades at 9.0x sales, its market capitalization divided by $11.1M revenue, FY2026. The market capitalization is $99.4M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Waton Financial Limited's Piotroski F-Score?
Waton Financial Limited (WTF) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Can Waton Financial Limited cover its interest payments?
Waton Financial Limited (WTF) reported an operating loss of $14.5M against $923K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Waton Financial Limited?
Waton Financial Limited (WTF) scores 36 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Waton Financial Limited it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.