# UIL Limited (UTL.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services. Price 208p, market value 188 millionp.

## Valuation
- **P/E (trailing): 4.3×** (5-yr avg 349.2×, 3-yr avg 512.7×). UIL Limited trades at 4.3× trailing earnings, well below its own five-year average of 349.2×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 3.6×**. Each dollar of revenue is priced at 3.6×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 4.3×**. Enterprise value is 4.3× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 16.9%** (5-yr avg 0.0%). Free cash flow equals 16.9% of the market value, above its five-year average of 0.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 23.1%**. The inverse of the P/E: 23.1% of the price is earned each year.

## Profitability
- **Gross margin: 89.3%**. UIL Limited keeps 89.3% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 94.7%**. 94.7% of revenue is left after running the business, an exceptional level.
- **Net margin: 76.1%**. 76.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.5%**. 12.5% on shareholders' equity is solid.
- **Return on invested capital: 26.4%**. Return on all capital, debt included, is 26.4%: comfortably above what that capital costs.
- **Return on assets: 14.8%**. Each dollar of assets produces 14.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 156.1%** (3-yr 72.7%/yr). Revenue grew 156.1% over the last year.
- **EPS growth (1 yr): 176.7%**. Earnings per share rose 176.7%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 179.1%/yr**. Free cash flow has compounded at 179.1% a year over three years.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: 953,000p**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.90%** (0p per share, trailing). UIL Limited yields 3.90%, an income-level yield.
- **Payout ratio: 27%** (35% of free cash flow). 27% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): 4.6%/yr** (1-yr 66.7%). The dividend has grown 4.6% a year over five years.
- **Shareholder yield: 6.4%**. Dividends plus net buybacks return 6.4% of the market value a year.

## Price and momentum
- **Total return (1 yr): 55.0%** (YTD 32.7%, 3-mo -1.9%). The shares are up 55.0% over twelve months including dividends.
- **From 52-week high: -2.8%** (59.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.30** (volatility 39%). Beta of 0.30 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UTL.L · Page: https://foliofundamentals.com/stocks/utl.l

Not investment advice.