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Wealthfront
Wealthfront (WLTH) investor relations material
Wealthfront Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary12 Jan, 2026
Executive summary
Achieved record total revenue of $93.2 million, up 16% year-over-year, and net income of $30.9 million, with a net income margin of 33%.
Total platform assets reached $92.8 billion, up 21% year-over-year, with 1.38 million funded clients (+20% YoY) and 1.78 million funded accounts (+20% YoY).
Launched new products, including home lending, Nasdaq-100 Direct, and the first home mortgage, expanding the product suite and platform offerings.
Maintained high client retention and growth through a digital-first experience, strong word-of-mouth referrals, and targeted lifecycle marketing.
Completed IPO in December, raising over $130 million in net cash proceeds and converting all preferred stock to common stock.
Financial highlights
Cash management assets rose 14% year-over-year to $47.0 billion; investment advisory assets increased 31% to $45.8 billion.
Cash management revenue was $68.8 million (+14% YoY); investment advisory revenue was $24.2 million (+26% YoY).
Adjusted EBITDA was $43.8 million, up 24% year-over-year, with a 47% margin; GAAP net income was $30.9 million (+3% YoY); diluted EPS was $0.21.
Free cash flow was $41.3 million, with a 94% conversion ratio; cash and cash equivalents stood at $266 million at quarter end, rising to over $400 million post-IPO.
Total costs and operating expenses rose 21–22% year-over-year, mainly due to higher product development and share-based compensation.
Outlook and guidance
Ongoing nationwide rollout of Home Lending, with licenses covering the majority of client states and early promising results.
Focus on cross-product adoption, asset retention during interest rate transitions, and continued investment in product development and automation.
No quarterly guidance provided; monthly metrics will be reported, with strong asset growth continuing into November and December.
Liquidity expected to be sufficient for at least the next 12 months, supported by strong cash flow and a $250 million undrawn credit facility.
Impact of prior year tax benefit on 9-month EPS
What caused the significant drop in net deposits?
Long-term vision for the new mortgage product
Home Lending's strategic offset in rate cycle?
How do recent referral incentives impact growth?
Asset migration's impact on gross profit margin?
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Next Wealthfront earnings date
Q4 202627 Apr, 2026
Wealthfront
Next Wealthfront earnings date
Q4 202627 Apr, 2026
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