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Urban Exposure

AIM:UEX
Snowflake Description

Limited growth and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
UEX
AIM
£112M
Market Cap
UEX Share Price and Events
7 Day Returns
-1.4%
AIM:UEX
4%
GB Mortgage
1.1%
GB Market
1 Year Returns
-
AIM:UEX
6.9%
GB Mortgage
2.7%
GB Market
UEX Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Urban Exposure (UEX) -1.4% -0.7% 0.7% - - -
GB Mortgage 4% 4.3% 11.4% 6.9% 38.2% 20.9%
GB Market 1.1% 3.1% 8.5% 2.7% 14.1% 5.7%
1 Year Return vs Industry and Market
  • No trading data on UEX.
  • No trading data on UEX.
Price Volatility
Industry
5yr Volatility vs Market

Value

 Is Urban Exposure undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Urban Exposure. This is due to cash flow or dividend data being unavailable. The share price is £0.705.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Urban Exposure's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Urban Exposure's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
AIM:UEX PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in GBP £-0.02
AIM:UEX Share Price ** AIM (2019-04-17) in GBP £0.71
United Kingdom of Great Britain and Northern Ireland Mortgage Industry PE Ratio Median Figure of 6 Publicly-Listed Mortgage Companies 8.18x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 795 Publicly-Listed Companies 16.25x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Urban Exposure.

AIM:UEX PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= AIM:UEX Share Price ÷ EPS (both in GBP)

= 0.71 ÷ -0.02

-44.92x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Urban Exposure is loss making, we can't compare its value to the GB Mortgage industry average.
  • Urban Exposure is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Urban Exposure's expected growth come at a high price?
Raw Data
AIM:UEX PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -44.92x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
Not available
Europe Mortgage Industry PEG Ratio Median Figure of 6 Publicly-Listed Mortgage Companies 0.98x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.47x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Urban Exposure, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Urban Exposure's assets?
Raw Data
AIM:UEX PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in GBP £0.95
AIM:UEX Share Price * AIM (2019-04-17) in GBP £0.71
United Kingdom of Great Britain and Northern Ireland Mortgage Industry PB Ratio Median Figure of 7 Publicly-Listed Mortgage Companies 1.1x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,365 Publicly-Listed Companies 1.52x
AIM:UEX PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= AIM:UEX Share Price ÷ Book Value per Share (both in GBP)

= 0.71 ÷ 0.95

0.74x

* Primary Listing of Urban Exposure.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Urban Exposure is good value based on assets compared to the GB Mortgage industry average.
X
Value checks
We assess Urban Exposure's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Urban Exposure has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Urban Exposure expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
52%
Expected annual growth in revenue.
Earnings growth vs Low Risk Savings
Is Urban Exposure expected to grow at an attractive rate?
  • Unable to compare Urban Exposure's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Urban Exposure's earnings growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
  • Urban Exposure's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
AIM:UEX Future Growth Rates Data Sources
Data Point Source Value (per year)
AIM:UEX Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 52%
United Kingdom of Great Britain and Northern Ireland Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 15.8%
United Kingdom of Great Britain and Northern Ireland Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 11.2%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11.1%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
AIM:UEX Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
AIM:UEX Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 30 1
2020-12-31 18 1
2019-12-31 10 1
AIM:UEX Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2018-12-31 5 -121 -2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Urban Exposure is high growth as no earnings estimate data is available.
  • Urban Exposure's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
AIM:UEX Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Urban Exposure Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:UEX Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31
2020-12-31
2019-12-31
AIM:UEX Past Financials Data
Date (Data in GBP Millions) EPS *
2018-12-31 -0.02

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Urban Exposure will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Urban Exposure's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Urban Exposure has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Urban Exposure performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Urban Exposure's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Urban Exposure does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.
  • Unable to compare Urban Exposure's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Urban Exposure's 1-year growth to the GB Mortgage industry average as it is not currently profitable.
Earnings and Revenue History
Urban Exposure's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Urban Exposure Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:UEX Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 5.19 -2.29 5.08

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Urban Exposure has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Urban Exposure has efficiently used its assets last year compared to the GB Mortgage industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Urban Exposure improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Urban Exposure's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Urban Exposure has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Urban Exposure's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Urban Exposure's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Urban Exposure Company Filings, last reported 3 months ago.

AIM:UEX Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 150.52 3.81 46.81
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Unable to establish if Urban Exposure has an acceptable proportion of non-loan assets without balance sheet data.
  • Unable to establish if Urban Exposure's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
  • Urban Exposure reports no customer deposits, loans are made up entirely of borrowed funds.
  • Urban Exposure's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if Urban Exposure has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if Urban Exposure has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess Urban Exposure's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Urban Exposure has a total score of 1/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Urban Exposure's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.55%
Current annual income from Urban Exposure dividends. Estimated to be 7.92% next year.
If you bought £2,000 of Urban Exposure shares you are expected to receive £71 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Urban Exposure's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.01%).
  • Urban Exposure's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.07%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
AIM:UEX Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 7 Stocks 4.5%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

AIM:UEX Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.07 1.00
2020-12-31 0.05 1.00
2019-12-31 0.05 1.00
AIM:UEX Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2019-04-03 0.025 3.595
2018-12-18 0.017 2.427

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether Urban Exposure has stable dividend payments.
  • Urban Exposure only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of Urban Exposure's earnings are paid to the shareholders as a dividend.
  • The company is paying a dividend however it is incurring a loss.
Future Payout to shareholders
  • Dividends after 3 years are not well covered by earnings (1x coverage).
X
Income/ dividend checks
We assess Urban Exposure's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Urban Exposure afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Urban Exposure has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Urban Exposure's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Randeesh Sandhu
AGE 40
CEO Bio

Mr. Randeesh Singh Sandhu serves as the Chief Executive Officer and Executive Director at Urban Exposure plc. Mr. Sandhu co-founded the Urban Exposure Business in 2002 when it was originally a property development company and has overseen its evolution into the development loan financing and asset management business which has existed to date. He is experienced in the origination, evaluation and structuring of real estate investments in senior and stretched senior whole loans, mezzanine debt and equity joint ventures. Prior to founding the Urban Exposure Business, he was a credit risk analyst at Deutsche Bank and a market risk analyst at Royal & Sun Alliance Investments. He is a qualified actuary and a regular speaker/panellist at specialist industry conferences.

CEO Compensation
  • Insufficient data for Randeesh to compare compensation growth.
  • Insufficient data for Randeesh to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

Randeesh Sandhu

TITLE
CEO & Executive Director
AGE
40

Trevor Dacosta

TITLE
Finance Director & Executive Director
AGE
53

Daljit Sandhu

TITLE
Chief Operating Officer

Ravi Takhar

TITLE
Executive Director
AGE
53

Victor Librae

TITLE
Partner in Origination

Adrian Mediratta

TITLE
Partner in Origination
Board of Directors

William McKee

TITLE
Non-Executive Chairman
AGE
75

Randeesh Sandhu

TITLE
CEO & Executive Director
AGE
40

Trevor Dacosta

TITLE
Finance Director & Executive Director
AGE
53

Ravi Takhar

TITLE
Executive Director
AGE
53

Andrew Baddeley

TITLE
Independent Non-Executive Director
AGE
54

Nigel Greenaway

TITLE
Independent Non-Executive Director
AGE
57
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
X
Management checks
We assess Urban Exposure's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Urban Exposure has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Details
Name: Urban Exposure plc
UEX
Exchange: AIM
Founded:
£111,738,361
158,494,130
Website: http://www.urbanexposureplc.com
Address: Urban Exposure plc
1 Hamilton Mews,
London,
Greater London, W1J 7HA,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
AIM UEX Ordinary Shares London Stock Exchange AIM Market GB GBP 09. May 2018
Number of employees
Current staff
Staff numbers
21
Urban Exposure employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/18 00:25
End of day share price update: 2019/04/17 00:00
Last estimates confirmation: 2019/04/03
Last earnings filing: 2019/04/03
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.