ClearView Wealth Limited

CVW.AX

Insurance - Life · Financial Services

Exchange

Australian Securities Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Dec 31, 2025

How the score breaks down

Quality

Weak

Growth

Mixed

Cash Flow

Weak

Stability

Exceptional

Valuation

Good

Dividends

Exceptional

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Winston Score History

The full picture

ClearView Wealth Limited is an Australian financial services company that helps everyday people plan for their financial future. It sells life insurance products — such as term life, income protection, and trauma cover — and also offers wealth management services including financial advice and investment platforms. The company sells mainly to individual retail customers across Australia, often through financial advisers.

ClearView makes money by collecting premiums on its insurance policies and charging fees on the funds it manages and administers for clients. It operates entirely within Australia and is a smaller player in a market dominated by large banks and insurers like AIA and TAL. The company has been working to simplify its business by focusing more on life insurance and less on wealth management. A key risk is that rising claims costs or lapses in insurance policies can quickly erode profitability, which the thin operating margin and negative gross margin already suggest is a real pressure on the business today.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+3.6% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-287.1% YoY

YoY Growth Rate

Earnings declining

Insider Activity

45.1%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Runway

~2 months

A$697M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Cash watch

ClearView Wealth Limited has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

13.3%

Thin — 13.3% gross margin

Profit after running costs

Operating Margin

5.7%

Thin — 5.7% operating margin

Return on the money invested

ROCE

1.6%

Weak — 1.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

+12.6%

Fast-growing sales (+12.6% YoY)

Profit growth

EPS YoY

-86.1%

Earnings shrinking (-86.1% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

-147632%

Weak — only -147632% of profit becomes cash

Spare cash per sale

FCF Margin

-280.0%

Burning cash (-280.0%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

0.40

Conservative — low debt load (0.40)

Covers its interest

Interest Cover

100.00x

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

433.3x

no trend

Expensive — P/E 433.3

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+427.0

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (433.3 → 6.3)

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Dividends

Dividend

Dividend Yield

4.01%

no trend

Healthy income — 4.01% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+22.6%

no trend

Dividend growing fast (22.6% YoY)

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