Financial Services / Banking

Quilter sustainability score: 34/100

34/100
Below expectations
Joint 30th of 66 in Financial Services / Banking

Better than 48% of Financial Services / Banking

Making progress starts at 46. The highest score on SINK is 71.

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About Quilter

Quilter is a UK wealth manager whose businesses include the Quilter Cheviot discretionary investment manager, the Quilter investment platform, Quilter Investors funds and financial planning advice. It reported £733 million of fee and other service income for 2025, with about 3,150 employees.

Founded 2007Head office London, United KingdomStaff ~3,147 (2025)Revenue £733M fee income and other income from service activities (FY2025, IFRS); IFRS total income £9,364M includes £8,607M investment return, mostly on policyholder assetsWebsite ↗

Read Quilter's own report ↗

Our verdict

Quilter has cut its own Scope 1 and 2 emissions sharply and has PwC assurance over them, but the financed emissions it reports for its Affluent and High Net Worth investments rose in 2025 and it has no target to reduce them. It publishes no group financed-emissions total, its supplier engagement starts in 2026, and it has no SBTi validation or nature footprint.

Quilter scores 34/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Scores are free. Nobody can pay to change a score, speed it up or hide it. Last verified November 2026.

That places Quilter joint 622nd of 1,055 companies scored, and joint 30th of 66 in Financial Services / Banking.

The ten questions

What is Quilter doing well, and where does it fall short?

Strongest on Carbon Footprint: Operations and Transparency & Accountability (8/10, 7/10). Weakest on Water Impact and Nature & Biodiversity Impact (2/10, 3/10).

What's missing

Where Quilter lost points

For each question that lost points, the evidence our public rubric looks for that we didn't find.

What would raise this score

  • Its effect on waterMonitor its water use and take measures to reduce it.
  • Its effect on natureAssess its effect on nature and publish a basic environmental policy.
  • How it uses materials and handles wasteShow active waste reduction, reuse or repair.

Every question that lost points

  • Emissions from its own operations8/10No verified figures published with their method and a falling trend.
  • Emissions from its supply chain6/10No full value-chain map or supplier engagement programme.
  • Whether its emissions are falling4/10No evidence of a year-on-year fall in its total emissions.
  • How clean its energy is6/10Less than 90% of its energy shown to be renewable.
  • Its effect on nature3/10No assessment of its effect on nature, and no basic environmental policy.
  • How it uses materials and handles waste3/10No active waste reduction, reuse or repair shown.
  • Its effect on water2/10No monitoring of water use, or no measures to reduce it.
  • Its climate targets4/10Its targets aren't science-based or committed to the Science Based Targets initiative.
  • How openly it reports7/10No annual impact report, or no pay linked to climate targets.
  • Its record on controversies5/10Points deducted for controversies or its business model. The finding is under question 10.

A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.

The calculation

How is Quilter's SINK score calculated?

Same ten questions for every company. No private weighting.

SINK = (0.3 × Base + 0.7 × Performance) × Scale
Industry base impact
Financial Services / Banking sector ceiling.
50 / 100
Performance score
Sum of the ten questions, each scored 0 to 10.
48 / 100
Raw score
Weighted average before scale penalty.
(0.3 × 50) + (0.7 × 48) = 48.6
Scale penalty
Multiplier based on total emissions. Bigger polluters lose more.
× 0.7
Financed emissions
Banks and insurers that don't publish the emissions of the lending, investment or insurance they finance get a size multiplier of no more than 0.70×. This company publishes no such figure, so the 0.70× floor applies.
Not published (0.70× floor)
Final score
Rounded. Below expectations.
34 / 100
Where the evidence comes from

What evidence is Quilter's score based on?

8 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.

50% of them were published by Quilter itself; the rest come from independent sources.

[1]Self-reported
Quilter plc Annual Report — Climate-Related Financial Disclosures 2025

“Global total 681* 1,210 3,245”

2025
Q1Q2Q3Q4Q5Q6Q8Q10
View →
[2]Self-reported
Quilter plc Annual Report 2025

“25 681 tCOe”

2025
Q1
View →
[3]Self-reported
Quilter — About Us: Corporate Sustainability

“Our Scope 1 and 2 emissions in 2025 were 79% lower than our 2020 baseline”

Ongoing
Q3Q8Q9
View →
[4]Self-reported
Quilter — Investments: Responsible Investment

“we assess the investments we make by a range of environmental, social, and governance (ESG) factors”

Ongoing
Q7
View →
[5]Independent source
Investment Week: Quilter Cheviot Boosts Responsible Investment Team Analyst Hire

“in an attempt to develop the firm’s investment climate action plan and work toward achieving its net zero target.”

Unknown
Q8
View →
[6]Independent source
Investment Week: Quilter Cheviot's Renames Climate Fund Range; Adopts SDR Label

“Quilter Cheviot is set to rename its Climate Assets fund range as part of taking on the ‘Sustainability Focus’ label”

Unknown
Q9
View →
[7]Independent source
IFA Magazine: Quilter Cheviot Focuses on REITs in Third Phase of Investment Trust Engagement

“REITs have made significant strides in ESG-related disclosures, but there is still room for improvement.”

Unknown
Q5
View →
[8]Independent source
Professional Adviser: Model Behaviour — Quilter Avoids Penalty, Lighthouse, British Steel

“it was "highly unusual" for the watchdog to have not imposed any financial penalty after its investigation.”

Unknown
Q10
View →

If you believe a source has been misread or a newer version exists, submit a challenge.

For Quilter

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    Quilter: SINK sustainability score 34.

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Quilter in context

How does Quilter compare with other financial services / banking companies?

Where Quilter sits among financial services / banking peers.

Among the 66 major financial services / banking brands we've scored, Quilter is tied =30th of 66, with 5 others.

=30/66
Quilter's rank
36
Industry average
20
Industry low
65
Industry high
See all 66 in Financial Services / Banking →
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