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Waton Financial Limited (WTF) — RQD Stock Rating Cockpit

$2.04 -0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.03

Waton Financial Limited (WTF) carries a Roarable Rating of E (Strong Sell) with 32/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (32/100 · E) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE E • RED ALERT Cap $98.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $2.03 (-0.36%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (32/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-9.2% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • E

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-11.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WTF)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (32/100 Composite)

🔍 WHY WTF SCORES 32/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+9/20 pts (28% of score)

SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$2.67-12% Next Q

Q2 (-2Q)

Grade E$2.35+6.4% Next Q

Q3 (-1Q)

Grade E$2.50-18.4% Next Q

Current

Grade E$2.04-9.2% Hist 90D α

Trajectory: D (40) → E (32)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a WTF Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While WTF currently carries a cautious 32/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.53) and Max Pain ($2.14) forces dealer call-delta covering toward $6.65.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WTF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WTF Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 32%NO 68%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

37.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

2 / 99-Pt Accounting

52-WEEK LASER RANGE6% OF RANGE

L: $2$2.04H: $6

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 9 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 14 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bearish Warning on WTF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

14.0% ROIC with 42.0% gross margin and -7.50% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (40)

Altman-Z 4.20 and Piotroski 2/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (25)

9/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like WTF

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WTF)

✓Walkthrough of WTF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WTF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -45.60%▼ DESCENDING CHANNEL

2026-10-30O $1.88H $2.17L $1.78C $2.04VOL 65.5K

RES: $2.94SUP: $1.71SMA50: $2.53SMA200: $3.17

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WTF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WTF Butterfly Map → + Track WTF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +48.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WTF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WTF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WTF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WTF)

Financials Rank #1062 of 1096 ⚔️ GSIW vs WTF Full Matrix →

1. Head-to-Head Financials Peer Comparison (WTF vs. GSIW, USIO, EVF, AIB)

Industry: Investment Bankers/Brokers/Service (64 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Waton Financial Limited (WTF) ranks #1062 by composite RQD confidence (32/100, grade E) and #958 by equity capitalization ($98.4M). Within this direct 5-issuer industry benchmark cohort, WTF leads on earnings valuation at N/A trailing P/E, while USIO leads on capital efficiency and profitability with -16.1% ROIC and — gross margin. EVF currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with WTF at 32/100 (E).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WTF ACTIVE Waton Financial Limited	E	32/100	—	—	—	-0.97%	$98.4M	Benchmark Subject
GSIW Garden Stage Limited (Class A)	E	30/100	—	—	—	-6.37%	$97.7M	/gsiw-vs-wtf →
USIO Usio Inc.	D	49/100	—	—	-16.1%	+2.52%	$92.6M	/usio-vs-wtf →
EVF Eaton Vance Senior Income Trust	C-	60/100	—	—	—	+0.83%	$85.1M	/evf-vs-wtf →
AIB AIB Data Centers Inc.	D	47/100	—	—	—	-5.40%	$79.8M	/aib-vs-wtf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0001987363

In its most recent audited fiscal period (FY2025, filed 2026-03-31), Waton Financial Limited (WTF) reported GAAP revenue of $11.1M (+48.8% vs. FY2024 revenue of $7.4M , and +10.2% cumulative change since FY2023) , GAAP net income of -$15.2M, operating cash flow of -$7.1M, and free cash flow of -$7.4M (-2232.7% YoY). On the balance sheet, WTF closed FY2025 with $69.0M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-03-31	$11.1M	-$15.2M	-$7.1M	-$7.4M	$69.0M	—
FY2024 (FY)	2025-03-31	$7.4M	-$12.0M	$360.0K	$346.2K	—	—
FY2023 (FY)	2024-03-31	$10.1M	$2.5M	-$1.8M	-$1.8M	—	—

3. WTF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WTF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Waton Financial Limited (NASDAQ: WTF) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 32/100 at a spot price of $2.04 (-0.97% 1D, market cap $98.4M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, WTF ranks #1062 in composite RQD confidence.

How does WTF compare to GSIW and USIO in the Financials sector?

Within the Financials sector (Investment Bankers/Brokers/Service), WTF carries a Roarable E (32/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, GSIW (Garden Stage Limited (Class A)) holds a E grade (30/100 RQD, P/E N/A, ROIC —, cap $97.7M) and USIO (Usio Inc.) posts a D grade (49/100 RQD, P/E N/A, ROIC -16.1%, cap $92.6M). Among the 5-stock peer group, WTF leads on earnings multiple (N/A) while USIO leads on capital efficiency (-16.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WTF?

Per WTF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001987363), Waton Financial Limited generated $11.1M in revenue (+48.8% YoY), -$15.2M in net income, and -$7.4M in free cash flow against $69.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WTF trading relative to its 50-day, 200-day, and 52-week technical levels?

WTF last traded at $2.04 (-0.97% on volume of 20,261 shares), positioning the stock -19.37% below its 50-day simple moving average ($2.53) and -35.65% below its 200-day simple moving average ($3.17). Across its 52-week range of $1.76 to $6.33, WTF sits at the 6.1% percentile with a 14-day RSI of 37.5 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.78 to $2.30).

WTF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell WTF stock right now?

Waton Financial Limited (WTF) currently earns a Roarable Rating of E (Strong Sell — SELL) with 32/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is WTF's 12-month price target and RQD AI Jury consensus?

WTF's 12-month base price target is $1.8 (range $1.4 to $6.65), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: WTF RQD Cockpit WTF 12M Forecast WTF Earnings & Move WTF Dividends & DRIP WTF Insiders & 13F WTF Whale Options WTF Profit Sankey WTF News & Why