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Unite Group PLC (UTG) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Unite Group PLC £4.73, price £4.64, upside +1.9%, quality 33 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Real Estate · GB · ISIN GB0006928617

UG Broad data Sep 24, 2026

Unite Group PLC

UTG · LSE

Low PriorityFair Value upside is limited and quality is weak.

·Fair value £4.73 · Fairly valued (+2%)
!Quality 33/100
!Expensive Growth (revenue 5y +9.1 %/yr)
✓Highly profitable · 25.2% net margin (TTM)
!Low debt · negative free cash flow
·8.13% dividend yield
!Trails peers (5/14)
!Moderate moat 59/100
!Insider activity 30/100
!Weak on past: 8 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

£10.08 £4.26 Fair Value £4.73 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range £4.26 – £10.08 · fair‑value band £2.49 – £4.73 · the £4.64 price screens below the £4.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 4 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Unite Group PLC is the UK's largest owner, manager and developer. It is purpose-built student accommodation (PBSA) serving the country's world-leading higher education sector. We provide homes to 72,000 students across 208 properties in 29 leading university towns and cities. We currently partner with over 60 universities across the UK.

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Unite Group PLC is the UK's largest owner, manager and developer. It is purpose-built student accommodation (PBSA) serving the country's world-leading higher education sector. We provide homes to 72,000 students across 208 properties in 29 leading university towns and cities. We currently partner with over 60 universities across the UK. Our people are driven by a common purpose: to provide a Home for Success for the students who live with us. Unite Students accommodation is safe and secure, high quality and affordable. Students live predominantly in en-suite study bedrooms with rents covering all bills, insurance, 24-hour security and high-speed Wi-Fi. We are committed to raising standards in the student accommodation sector for our customers, investors and employees. Our Sustainability Strategy includes a commitment to become net zero carbon across our operations and developments by 2030. Founded in 1991 in Bristol, the Unite Group is an award-winning Real Estate Investment Trust (REIT), listed on the London Stock Exchange. Unite Group PLC was incorporated in 1991 in United Kingdom.

Stock analysis

Unite Group PLC (UTG) currently trades at £4.64, while our model-based Fair Value estimate is £4.73, implying the stock looks roughly 1.9% fairly valued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of £6.20 per share, and 4 of the 9 models we run sit above the £4.64 price.

Bear case: the Multiples group reads lowest at £3.23, and 5 of the 9 models stay below the price. Evidence for this calculation is high.

Scenario range: £2.49 (bear) to £4.73 (bull), the price of £4.64 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 33/100 (below-average quality), in the Real Estate sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Unite Group PLC reported revenue of £333M in FY2025 versus £267M in FY2021, a compound +5.7%/yr. Reported net income was £97.6M in FY2025, compounding −26.9%/yr from FY2021.

Key figures

Market cap 2.7B GBX · P/E ratio 23.2 · P/S ratio 6.80 · EPS (TTM) £0.2000 · Dividend yield 8.1% · Net margin 29.3% · Return on equity 2.1% · Return on assets (EBIT) 3.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 33% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Real Estate peers we cover trades at 1% fair-value upside, at 2%, UTG screens cheaper than that median.

Fair Value models

Bear £2.49 Fair Value £4.73 Bull £4.73
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income £6.45 £6.20 £4.87 76
Gordon GGM £2.63 £5.23 £7.93 67
DDM Multi-Stage £2.63 £4.52 £5.53 67
All 9 models by family
Dividend Discount
Gordon GGM £2.63 £5.23 £7.93 67
DDM Multi-Stage £2.63 £4.52 £5.53 67
Multiples
P/S Multiple £2.42 £3.23 £4.04 58
P/B Multiple £2.42 £3.23 £4.04 55
EV/EBIT £3.02 £4.82 £6.62 64
EV/EBITDA £1.97 £3.41 £4.86 65
EV/Revenue £0.6000 £1.88 £3.15 49
Asset-Based
NCAV (Graham) £4.61 £6.17 £9.21 54
Economic Profit
Residual Income £6.45 £6.20 £4.87 76

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Quality Score breakdown

Overall quality 33/100

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

Profitability 31
Margins and returns on capital today
Quality Growth 23
Are margins and returns improving?
Cashflow 43
Earnings quality: real cash, not paper profit
Fin. Strength 55
Balance sheet, leverage, solvency risk
Investment 45
Disciplined investing over empire-building
Low Volatility 67
Calm price path (market factor)
Momentum 32
Price trend over the last 3–12 months (market factor)
52W Momentum 7
Distance to the 52-week high (market factor)
Net Issuance 12
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 46/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+11.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.1%
Start year 2020 (pandemic). Over 10 years: +3.4% a year
Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+8.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.0%
Dividend (yield on the price)8.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−25% vs −11%, slowing
Profit margin 2018 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.62% → 56%
Start year 2020 (pandemic)

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Peer Groupⓘ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.REIT - Diversified · 156 stocks

Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside +2% · Above median
Profitability
Return on equity (TTM) 2% · Below median
Return on assets 2% · Below median
Net margin (TTM) 25% · Below median
Operating margin (TTM) 43% · Below median
Growth and dividend
Revenue growth 23% · Top 25%
Dividend yield (TTM) 8.1% · Top 25%
Balance sheet
Debt / equity 0.27× · Below median

Valuation Multiplesvs REIT - Diversified median · lower = cheaper

P/E (TTM) 23.2× · Priciest 25%
P/B 0.76× · Cheaper than median
P/S (TTM) 9.27× · Priciest 25%
EV/EBITDA 21.6× · Priciest 25%
PEG 3.23× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)36 · sector 26
FUTURE (revenue growth)100 · sector 16
PAST (return on equity)8 · sector 20
HEALTH (low debt)87 · sector 75
DIVIDEND (yield)100 · sector 100

Context: sector, industry, market

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

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Stockland SGP A$4.20 A$2.79 −34%
COV COV €47.16 €50.01 +6%
The GPT Group GPT A$4.55 A$3.49 −23%
Mirvac Group MGR A$1.78 A$0.7400 −58%
Broadstone Net Lease, Inc BNL $19.12 $19.39 +1%
KLCC Property Holdings 5235SS 8.35 MYR 6.91 MYR −17%

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Unite Group PLC · Fair Value
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Cite: Fair Value Calculator (2026). "Unite Group PLC Fair Value". https://www.fairvalue-calculator.com/stock/UTG

Frequently asked questions

Is Unite Group PLC (UTG) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £4.73 versus a price of £4.64, about +2% upside (fairly valued).
What is the fair value of UTG?
Our model-based fair value for Unite Group PLC is £4.73 (as of Sep 24, 2026), built from audited fundamentals. The current price: £4.64.
What is the quality score of UTG?
Unite Group PLC has a Quality Score of 33/100. 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 price target for Unite Group PLC (UTG)?
Our model-based price target is the fair value of £4.73 (as of Sep 24, 2026) from 9 valuation models. Cautious scenario £2.49, optimistic scenario £4.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Unite Group PLC stock forecast for 2026?
Our models put fair value at £4.73, about +2% upside versus a price of £4.64 (fairly valued). Cautious scenario £2.49, optimistic scenario £4.73. The calculation is refreshed regularly with new filings.
What is the revenue of Unite Group PLC (UTG)?
Unite Group PLC reported trailing-twelve-month revenue of about £387M (latest available figure, as of Sep 24, 2026).
Does Unite Group PLC pay a dividend?
Unite Group PLC currently shows a dividend yield of about 8.13% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Unite Group PLC (UTG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Unite Group PLC it is £4.73 per share (as of Sep 24, 2026), against a price of £4.64. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Unite Group PLC stock overvalued or undervalued in 2026?
As of Sep 24, 2026, UTG trades below its calculated fair value: price £4.64, fair value £4.73, a gap of about +2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UTG?
No. The price is what the market pays today (£4.64); the fair value is what the company's own numbers justify (£4.73). For Unite Group PLC the two are £0.0900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Unite Group PLC worth?
The market values Unite Group PLC at about 2.7B GBX (market capitalisation, as of Sep 24, 2026). Per share that is £4.64; our models calculate a fair value of £4.73 per share.
What do the bullish and bearish scenarios say about UTG?
Our models span a range for Unite Group PLC: cautious scenario £2.49, base £4.73, optimistic £4.73 per share (as of Sep 24, 2026, price £4.64). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UTG?
Unite Group PLC trades at a price-to-earnings ratio of 23.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £4.73 is built from several models across several years. Other multiples: PEG 3.2, P/B 0.8, P/S 9.3, EV/EBITDA 21.6.
What is the PEG ratio of UTG?
The PEG ratio of Unite Group PLC is 3.23 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Unite Group PLC (UTG)?
Balance-sheet figures for Unite Group PLC (as of Sep 24, 2026): return on equity 2.1%, debt of 0.27 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is UTG from its 52-week high?
Unite Group PLC trades at £4.64, about 33% below its 52-week high of £6.90 and 9% above the low of £4.26 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of £4.73 is for.
Which stocks are comparable to Unite Group PLC?
From the same area (Real Estate) we also value Goodman Group, VICI Properties Inc, W. P. Carey Inc, Charter Hall Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Unite Group PLC stock attractive at the current price?
The data as of Sep 24, 2026: price £4.64, calculated fair value £4.73 (+2%), Quality Score 33/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UTG calculated?
We run Unite Group PLC through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £4.73, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Unite Group PLC currently trades 2 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Unite Group PLC (UTG)?
The closing price on Sep 23, 2026 was £4.64. Our model-based fair value is £4.73, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Unite Group PLC right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (£2.49 to £4.73) leaves room in how you read the outcome. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Where does the earnings growth of Unite Group PLC (UTG) come from?
Earnings per share at Unite Group PLC grew −3.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.7 %, EBIT margin +1.7 %, tax rate +0.2 %, residual (interest, one-offs) −8.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Unite Group PLC

How large is the market capitalisation of Unite Group PLC (UTG)?
The market capitalisation of Unite Group PLC is 2.7B GBX. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Unite Group PLC (UTG)?
The price-to-sales ratio of Unite Group PLC is 6.80 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Unite Group PLC (UTG)?
Earnings per share at Unite Group PLC are £0.2000 (price ÷ EPS = P/E 23.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Unite Group PLC (UTG)?
The dividend yield of Unite Group PLC is 8.1% (payout 189%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Unite Group PLC (UTG)?
The net margin of Unite Group PLC is 29.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Unite Group PLC (UTG)?
The return on equity (ROE) of Unite Group PLC is 2.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Unite Group PLC (UTG)?
On an EBIT basis the return on assets of Unite Group PLC is 3.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Unite Group PLC (UTG)?
The operating margin of Unite Group PLC is 43.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Unite Group PLC (UTG)?
Revenue at Unite Group PLC is growing +22.6% versus a year earlier (3y avg +8.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Unite Group PLC (UTG)?
Earnings per share at Unite Group PLC are growing −41.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Unite Group PLC (UTG) generate?
The free cash flow of Unite Group PLC is −92.1M GBX (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Unite Group PLC (UTG) carry?
The net debt of Unite Group PLC is 1.4B GBX (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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