LSE:UTL

Stock Analysis Report

NOT FOR DISTRIBUTION
Header cover image

Executive Summary

UIL Limited is a closed-ended equity mutual fund launched and managed by ICM Limited. More Details

Rewards


Snowflake Analysis

Share Price & News

How has UIL's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: UTL is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: UTL's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

-2.3%

UTL

-5.6%

GB Capital Markets

1.2%

GB Market


1 Year Return

25.1%

UTL

11.2%

GB Capital Markets

4.6%

GB Market

Return vs Industry: UTL exceeded the UK Capital Markets industry which returned 11.2% over the past year.

Return vs Market: UTL exceeded the UK Market which returned 4.6% over the past year.


Shareholder returns

UTLIndustryMarket
7 Day-2.3%-5.6%1.2%
30 Day17.1%-6.6%0.9%
90 Day39.9%0.06%2.4%
1 Year30.6%25.1%14.8%11.2%10.6%4.6%
3 Year73.8%53.9%39.5%23.7%8.6%-4.5%
5 Year201.7%141.9%99.0%65.5%39.5%12.5%

Long-Term Price Volatility Vs. Market

How volatile is UIL's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is UIL undervalued compared to its fair value and its price relative to the market?

41.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: UTL (£2.54) is trading below our estimate of fair value (£4.35)

Significantly Below Fair Value: UTL is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: UTL is poor value based on its PE Ratio (26x) compared to the GB Capital Markets industry average (20.1x).

PE vs Market: UTL is poor value based on its PE Ratio (26x) compared to the UK market (24.1x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate UTL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: UTL is good value based on its PB Ratio (0.7x) compared to the GB Capital Markets industry average (1.6x).

Future Growth

How is UIL forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

24.8%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as UIL has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has UIL performed over the past 5 years?

-25.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: UTL has high quality earnings.

Growing Profit Margin: UTL's current net profit margins (34.7%) are lower than last year (71.6%).


Past Earnings Growth Analysis

Earnings Trend: UTL's earnings have declined by 25.8% per year over the past 5 years.

Accelerating Growth: UTL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: UTL had negative earnings growth (-83.3%) over the past year, making it difficult to compare to the Capital Markets industry average (-1.9%).


Return on Equity

High ROE: UTL's Return on Equity (2.8%) is considered low.

Financial Health

How is UIL's financial position?


Financial Position Analysis

Short Term Liabilities: UTL's short term assets (£3.8M) do not cover its short term liabilities (£45.8M).

Long Term Liabilities: UTL's short term assets (£3.8M) do not cover its long term liabilities (£124.7M).


Debt to Equity History and Analysis

Debt Level: UTL's debt to equity ratio (56%) is considered high.

Reducing Debt: UTL's debt to equity ratio has reduced from 155.9% to 56% over the past 5 years.

Debt Coverage: UTL's debt is not well covered by operating cash flow (0.4%).

Interest Coverage: UTL's interest payments on its debt are not well covered by EBIT (1.9x coverage).


Balance Sheet

Dividend

What is UIL current dividend yield, its reliability and sustainability?

3.15%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: UTL's dividend (3.15%) is higher than the bottom 25% of dividend payers in the UK market (1.49%).

High Dividend: UTL's dividend (3.15%) is low compared to the top 25% of dividend payers in the UK market (4.51%).


Stability and Growth of Payments

Stable Dividend: UTL's dividend payments have been volatile in the past 10 years.

Growing Dividend: UTL's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: At its current payout ratio (81.8%), UTL's payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Management

How experienced are the management team and are they aligned to shareholders interests?

5.3yrs

Average board tenure


CEO

UIL has no CEO, or we have no data on them.


Board Members

NamePositionTenureCompensationOwnership
Stuart Bridges
Director1.42yrsno data0.15%
£ 318.9k
Peter Burrows
Chairman5.33yrsUK£28.50k1.08%
£ 2.3m
Christopher John Samuel
Director5.33yrsno data0.25%
£ 532.6k
Alison Hill
Director5.33yrsno data0.087%
£ 186.3k
David Shillson
Director5.33yrsno data0.14%
£ 303.4k

5.3yrs

Average Tenure

Experienced Board: UTL's board of directors are considered experienced (5.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: UTL insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

UIL Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: UIL Limited
  • Ticker: UTL
  • Exchange: LSE
  • Founded: 2003
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Market Cap: UK£214.812m
  • Shares outstanding: 84.57m
  • Website: https://www.uil.limited

Location

  • UIL Limited
  • 34 Bermudiana Road
  • PO Box HM 1748
  • Hamilton
  • HM GX
  • Bermuda

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UTLLSE (London Stock Exchange)YesOrdinary SharesGBGBPJun 2007

Biography

UIL Limited is a closed-ended equity mutual fund launched and managed by ICM Limited. The fund invests in public equity markets across the globe. It seeks to invest in stocks of companies operating in the ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/03/06 19:49
End of Day Share Price2021/03/05 00:00
Earnings2020/12/31
Annual Earnings2020/06/30


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.