Owner Scorecard


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WTF, Waton Financial Limited

Capital Markets & Asset Management financial Unprofitable

An exchange, a toll booth on trading and the market data that trading generates.

While WSI has provided services to securities brokers in Hong Kong and New Zealand and accumulated operational experience, WSI continues to strive to promote the adoption of its solutions and services by enhancing its product and service offerings to address the specific needs of customers across different geographical locations.

WSI offers its customers a variety of securities traded on the Hong Kong Stock Exchange and the U.S. major stock exchanges.

Latest annual: FY2026 20-F · US listing is the ordinary share
WTF · Waton Financial Limited
I

The business

What it sells, where the money comes from, the kind of company it is.

Revenue · FY2026
$11M
+48.8% YoY · 25% 3-yr CAGR
Vital signs · TTM
Cash & investments $10M
Cash burn · annual $7M
Runway 1.5 yrs

The business in brief

read the 10-K →

What this business is and what moves its needle, from its own SEC filings.

Situation
Unprofitable. No meaningful revenue yet; the record is the cash on hand against the burn.
What moves the needle
Trading volume and the data franchise. What decides it: volumes across its markets, which spike when volatility does; the network economics of a deep liquidity pool rivals cannot easily replicate; and the recurring, high-margin market-data and listing fees layered on top. On its own account, the filing leans hardest on customer concentration, set against the numbers in what the filing emphasizes, below.
Is it a good business?
Operating margin has been modest for a fee business (median −51%). It earns this on little capital, so return on equity has run near −24%, the leverage of a model that needs almost no plant to grow. A high return that does not fade can mark a moat, but whether the volumes and the data franchise hold their pricing is what the 10-K settles, not the multiple.

Every line is arithmetic on the company's filings, shown in full in the sections below.

II

The record

Ten years of arithmetic, read across the cycle.

The record, 2023–2026

realized figures from each filing · older years to the left
2023’232024’242025’252026’26TTMTTMMar 2026
Income statement
$6M$10M$7M$11M$11MRevenueRevenue
53.4%29.3%−143.0%−131.1%−131.1%Operating marginOp. mgn
53.7%24.8%−160.7%−136.7%−136.7%Net marginNet mgn
$3M$2M($12M)($15M)($15M)Net incomeNet inc.
19%15%Effective tax rateTax rate
Cash flow & returns
$12M($2M)$346K($7M)($7M)Owner earningsOwner earn.
22%23%-94%-70%-70%Return on equityROE
22%23%−94%−70%−70%Retained to equityRetained/eq
Balance sheet
$33M$31M$55M$55MTotal assetsAssets
$19M$5M$8M$10M$10MCash & investmentsCash+inv
$14M$11M$13M$22M$22MShareholders’ equityEquity
Per share
34.7M62.8M41.8M48.2M48.2MShares out (diluted)Shares
$0.17$0.16$0.18$0.23$0.23Revenue / shareRev/sh
$0.09$0.04$-0.29$-0.31$-0.31EPS (diluted)EPS
$0.34$-0.03$0.01$-0.15$-0.15Owner earnings / shareOE/sh
$0.41$0.17$0.31$0.45$0.45Book value / shareBVPS

The diluted share count moved ×1.81 into 2024 — shares issued, not a split the totals corroborate — and the per-share figures carry the counts as filed.

The diluted share count moved ×1/1.5 into 2025 — shares retired, not a split the totals corroborate — and the per-share figures carry the counts as filed.

Per-share growththe realized rate an owner's share compounded
3-yr5-yr
Revenue / share+11.6%/yr+11.6%/yr (3-yr)
Capital spending / share+260.4%/yr+260.4%/yr (3-yr)
Book value / share+3.4%/yr+3.4%/yr (3-yr)
III

Quality & stewardship

Returns, the balance sheet, capital allocation, and pay.

Owner’s Scorecard

FY2026 20-F · source on SEC EDGAR →
Material weakness in financial controls
“However, in connection with the audits of our consolidated financial statements for the years ended March 31, 2026, 2025, and 2024, we identified material weaknesses in our internal control over financial reporting as well as other control deficiencies for…”

The figures below are only as sound as the controls that produced them. read the note →

Is it a good business?

  • Operating margin −131.1%
    Thin for a fee business
    Operating income ($15M) ÷ revenue $11M
    Industry peers: median -5%

    In the filing’s words The filing discloses a material weakness in its financial controls — the reported numbers here, and the record built on them, are only as reliable as the controls that produced them.

    What this means

    The heart of a exchange: how much of each fee dollar survives the cost of running the business. Revenue is a toll on trading volume plus the recurring market-data and listing fees the venue generates, protected by the network economics of a deep liquidity pool that rivals cannot easily replicate. A high margin held for years, through a market it does not control, is the operational mark of a real franchise.

  • Net margin −136.7%
    Slim
    Net income ($15M) ÷ revenue $11M
    What this means

    What reaches the owner after tax and interest. For a capital-light fee business this should be a wide share of revenue; when it is thin despite a high operating margin, debt taken on for acquisitions is usually the reason, so read it next to the balance sheet.

  • Below the cost of equity
    Net income ($15M) ÷ equity $22M
    Industry peers: median -5%
    What this means

    Because the business ties up little capital, a healthy fee stream throws off a high return on the equity behind it. Read it with the buyback record: returning capital lifts this ratio honestly, but heavy debt taken to do so can flatter it.

All figures as filed; the source filing is linked above.

Current Position

as of fiscal year-end, Mar 31, 2026

Can the business pay what it owes this year, off the freshest balance sheet: the quality of the assets, the debt actually coming due, and what a low ratio means here.

Current assets$50M
  • Cash & short-term investments$10M
  • Other current assets$40M
Current liabilities$32M
  • Other current liabilities$32M
Current ratio1.54×all current assets ÷ what's due · Graham looked for 2×
Quick ratio1.54×stricter: inventory excluded
Cash ratio0.32×strictest: cash alone against what's due
Working capital$18Mthe cushion left after near-term bills
Cash runway1.4 yrsthe business is consuming cash; this is how long the cash on hand lasts at that rate
Deeper floors
Tangible book value$22Mequity stripped of goodwill & intangibles
Net current asset value$17MGraham's net-net: current assets less all liabilities
Debt incl. operating leases$538K$538K of it operating leases

From the company's latest filing.

What an owner would ask, FY2026

read the 10-K →
  • How much of the revenue rides on one buyer?
    ≈$4M · 35% of revenue on the largest customers (TTM)
    “(i) Major customer For the fiscal year ended March 31, 2026, our top two clients accounted for approximately 34.6% and 20.0% of our total revenue, respectively.”verify →

The questions the record and the charts do not answer on their own; each carries the figure and the place to look.

Peers, Capital Markets & Asset Management

The same industry, side by side on fee margins. Each column names the period it is read over, and a median resting on fewer than three years carries that count beside it; the group median at the foot is the line to read each figure against.

CompanyRevenuelatest FY, USDOp. marginmedian over the recordNet marginmedian over the recordROEmedian over the record
DBRGDigitalBridge Group Inc.$94M-16.2%-26.0%-5%
ANTAAntalpha Platform Holding Company$80M6.7%9.3%15%2y
VALUValue Line Inc.$33M18.1%48.1%26%
AXGSolowin Holdings Class A Ordinary Share$28M55.8%-162.9%-51%
WTFWaton Financial Limited$11M-50.9%-55.9%-24%
GSIWGarden Stage Limited$7M-79.0%-57%
TOPTOP Financial Group Limited$5M-99.9%2y-102.0%2y-10%2y
PLUTPlutus Financial Group Limited$1M-53.7%-42.0%-10%
Group median-16.2%-49.0%-10%
IV

The price

What a price has to assume.

What the price implies

reverse-DCF

Enter the US price, in dollars: the NYSE/Nasdaq quote you hold. Waton Financial Limited's US listing is the ordinary share itself. The record tables elsewhere on this page remain as filed.

Waton Financial Limited is profitable, but owner earnings are negative this year because capital spending currently outruns operating cash, a build-out, so the owner-earnings reverse-DCF has no positive base to grow. We read the price from both ends instead: type a price to see the steady-state profitability it demands, then set the mature margin you would believe and weigh the two against each other. Nothing leaves your browser unless you enter it in your notebook.

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The assumptions

Revenue, delivered18%/yr’23→’26

Enter a price to run it.

Owner earnings it must reach
Margin the price demands
Owner-earnings margin today−67%

Two reads of one future. From your price: the owner earnings the company must reach, valued at a mature multiple and discounted back at your rate, expressed as the margin it implies on revenue grown at your rate. From your belief: the mature margin you would credit, set on the dial above. When the margin the price demands runs above the one you would believe, you are paying for a future taken on faith. For a deep cyclical at a trough, normalized through-cycle earnings are the better lens; this mode is for the genuinely unprofitable, and for the profitable business whose capital spending currently outruns its cash.

Cite: Owner Scorecard, "Waton Financial Limited (WTF), the owner's record," https://ownerscorecard.com/c/WTF, data as of 2026-08-17.

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