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JPMorgan UK Small Cap Growth & Income Plc (JUGI) Fair Value & Analysis

Financial Services · GB · Market cap 402M GBX

JU JPMorgan UK Small Cap Growth & Income Plc JUGI · LSE
Price£3.36
Fair Value£1.85
Upside-44.8%
Quality35/100
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Mixed Growth
Highly profitable · 89.8% net margin
generates free cash flow
4.41% dividend yield
Mixed vs. peers (6/12)
Wide moat 70/100
Evidence: Medium Range £1.06 – £2.49 Share as image

Fair value as of: Jul 16, 2026

From 2 valuation models · updated 24 days ago

Share price +5.9% over the past month.

Below-average quality, and screening another 45% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (£2.49). The favourable scenario is already priced in.
  • Weak quality (35/100) and above fair value at the same time, the margin of safety is missing on both counts.
  • A fairly wide model range (£1.06 to £2.49) leaves room in how you read the outcome.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

£3.71 £1.86 Fair Value £1.85 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range £1.86 – £3.71 · fair‑value band £1.06 – £2.49 · the £3.36 price screens above the £1.85 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

JPMorgan UK Small Cap Growth & Income Plc (JUGI) currently trades at £3.36, while our model-based Fair Value estimate is £1.85, implying the stock looks roughly 44.8% overvalued today. The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, JPMorgan UK Small Cap Growth & Income Plc generated revenue of £62.2M at a net margin of 89.8%. Revenue declined 54.8% year over year. It earns a return on equity of 12.0%. Net debt stands at £59.7M. Fundamentals as of Jul 16, 2026

Our scenario range runs from £1.06 (bear case) to £2.49 (bull case); at £3.36, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at -45%, JUGI screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
P/B Multiple £2.49 £3.31 £4.14 55
NCAV (Graham) £1.95 £2.61 £3.90 50
All 2 models by family
Multiples
P/B Multiple £2.49 £3.31 £4.14 55
Asset-Based
NCAV (Graham) £1.95 £2.61 £3.90 50

Widest divergence: Multiples (£3.31) versus Asset-Based (£2.61). Highest evidence: P/B Multiple (55).

Key figures & financial health

Revenue (TTM) 62.2M GBX
Revenue growth (YoY) -54.8%
Net margin 89.8%
Return on equity 12.0%
Free cash flow 9.6M GBX FY2025
P/E ratio 7.8
More key figures
Operating margin 93.3%
EPS (TTM) £0.4200
Dividend yield 4.6%
EPS growth (YoY) -58.3%
Net debt 59.7M GBX FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 35/100

Of which business quality 36 · Market factors (momentum, volatility) 60

Profitability 8
Margins and returns on capital today
Quality Growth 0
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 73
Calm price path (market factor)
Momentum 46
Price trend over the last 3–12 months (market factor)
52W Momentum 69
Distance to the 52-week high (market factor)
Net Issuance 0
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

JPMorgan UK Small Cap Growth & Income Plc is a close-ended equity mutual fund launched and managed by JPMorgan Funds Limited. The fund is co-managed by JPMorgan Asset Management (UK) Limited. It invests in the public equity markets of the United Kingdom. The fund invests in stocks of companies operating across diversified sectors.

Full company description

JPMorgan UK Small Cap Growth & Income Plc is a close-ended equity mutual fund launched and managed by JPMorgan Funds Limited. The fund is co-managed by JPMorgan Asset Management (UK) Limited. It invests in the public equity markets of the United Kingdom. The fund invests in stocks of companies operating across diversified sectors. It typically invests in small-cap companies. The fund benchmarks the performance of its portfolio against the FTSE Small Cap (ex Inv Companies) (£) Index. It was formerly known as JPMorgan Fleming Smaller Companies Investment Trust and Fleming Smaller Companies Investment Trust. JPMorgan UK Small Cap Growth & Income Plc was formed in June 1, 1990 and is domiciled in the United Kingdom.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

JPMorgan UK Small Cap Growth & Income Plc reported revenue of £26.3M in FY2025 versus £50.8M in FY2021, a compound −15.2%/yr. Reported net income was −£3.0M in FY2025.

Growth Quality 75/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
£26.3M
Latest YoY
−74.9%
Avg. growth/yr (3Y)
+44.0%
Avg. growth/yr (5Y)
+19.4%
Avg. growth/yr (8Y)
+14.1%
Revenue −15.2%/yr
FY21 £50.8M
FY22 £8.8M
FY23 £5.6M
FY24 £105M
FY25 £26.3M
Net income
FY21 £141M
FY22 −£81.4M
FY23 −£12.9M
FY24 £99.7M
FY25 −£3.0M

JUGI screens 45% overvalued. Compare with Fondul Proprietatea SA →

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Cite: Fair Value Calculator (2026). "JPMorgan UK Small Cap Growth & Income Plc Fair Value". https://www.fairvalue-calculator.com/stock/JUGI

Peer Group

Asset Management · 973 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 33 · Bottom 25%
Fair Value upside −45% · Below median
Return on equity (TTM) 12% · Above median
Return on assets 7% · Above median
Net margin (TTM) 90% · Top 25%
Operating margin (TTM) 93% · Top 25%
Revenue growth -55% · Bottom 25%
Dividend yield (TTM) 4.4% · Above median

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 7.9× · Cheaper than median
P/B 1.15× · Pricier than median
P/S (TTM) 8.73× · Pricier than median
P/FCF 56.4× · Pricier than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0 · sector 37
FUTURE 0 · sector 6
PAST 48 · sector 26
HEALTH 0 · sector 95
DIVIDEND 88 · sector 69

VALUE 0: the price sits above our fair-value range.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
Fondul Proprietatea SA FP $0.0420 $0.0800 +90%
BlackRock, Inc BLK $1,136 $465.75 -59%
Blackstone Inc BX $124.56 $16.35 -87%
Investor AB INVEB kr 423.70 kr 847.40 +100%
Brookfield Corporation BN C$62.45 C$10.12 -84%
KKR & Co KKR $100.94 $44.88 -56%
AB Industrivärden INDUA kr 532.50 kr 1,065 +100%
Jio Financial Services Limited JIOFIN ₹242.98 ₹40.19 -83%
Hedef Holding HEDEF 267.25 TRY 320.98 TRY +20%
Bajaj Holdings BAJAJHLDNG ₹10,398 ₹9,202 -12%

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Frequently asked questions

Is JPMorgan UK Small Cap Growth & Income Plc (JUGI) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of £1.85 versus a price of £3.36, about −45% (overvalued).
What is the fair value of JUGI?
Our model-based fair value for JPMorgan UK Small Cap Growth & Income Plc is £1.85 (as of Jul 16, 2026), built from audited fundamentals. The current price is £3.36.
What is the quality score of JUGI?
JPMorgan UK Small Cap Growth & Income Plc has a Quality Score of 35/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of JPMorgan UK Small Cap Growth & Income Plc (JUGI)?
JPMorgan UK Small Cap Growth & Income Plc reported trailing-twelve-month revenue of about £62.2M (latest available figure, as of Jul 16, 2026).
What is the net profit margin of JUGI?
The net profit margin of JPMorgan UK Small Cap Growth & Income Plc is about 89.8%, meaning it keeps roughly 89.8% of revenue as net income. Based on the latest reported figures.
Does JPMorgan UK Small Cap Growth & Income Plc pay a dividend?
JPMorgan UK Small Cap Growth & Income Plc currently shows a dividend yield of about 4.57% relative to its recent price (as of Jul 16, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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