UIL Finance Limited (UTLH) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of UIL Finance Limited £3.01, price £1.51, upside +100.0%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range £1.07 – £1.51 · fair‑value band £2.58 – £3.39 · the £1.51 price screens below the £3.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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UIL Finance Limited operates as an investment company. It engages in financing its zero dividend preference shares debt by lending current asset funds to UIL Limited. The company was formerly known as Utilico Finance Limited and changed its name to UIL Finance Limited in November 2015. The company was incorporated in 2007 and is based in Hamilton, Bermuda.
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UIL Finance Limited operates as an investment company. It engages in financing its zero dividend preference shares debt by lending current asset funds to UIL Limited. The company was formerly known as Utilico Finance Limited and changed its name to UIL Finance Limited in November 2015. The company was incorporated in 2007 and is based in Hamilton, Bermuda. UIL Finance Limited is a subsidiary of UIL Limited.
Stock analysis
UIL Finance Limited (UTLH) currently trades at £1.51, while our model-based Fair Value estimate is £3.01, implying the stock looks roughly 50.0% undervalued today.
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Valuation
How firm this estimate is: it rests on 4 models at a data quality of 80/100, which puts the evidence level at low.
Scenario range: £2.58 (bear) to £3.39 (bull), the price of £1.51 sits below 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 48/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
UIL Finance Limited reported revenue of £5.4M in FY2024 versus £10.6M in FY2020, a compound −15.6%/yr. Reported net income was £0 in FY2024.
Key figures
Market cap 30.1M GBX · Net margin 0.0% · Return on assets (EBIT) 5.9% · Operating margin 100% · Revenue (TTM) £3.7M · Revenue growth (YoY) −25.4% · Net debt 98.2M GBX.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 8% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at 100%, UTLH screens cheaper than that median.
Fair Value models
Bear £2.58Fair Value £3.01Bull £3.39
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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.
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.0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−13.8%
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.
−14.9%
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.
−14.9%
Revenue growth 11 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.
−8.5%
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What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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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.Asset Management · 657 stocks
Beats the industry median on 4/5 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets3.5% · Above median
Operating margin (TTM)100.0% · Top 25%
Growth and dividend
Revenue growth−25.4% · Bottom 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Asset Management median · lower = cheaper
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
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Is UIL Finance Limited (UTLH) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of £3.01 versus a price of £1.51, about +100% upside (undervalued).
What is the fair value of UTLH?
Our model-based fair value for UIL Finance Limited is £3.01 (as of Sep 27, 2026), built from audited fundamentals. The current price: £1.51.
What is the quality score of UTLH?
UIL Finance Limited has a Quality Score of 48/100. 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 UIL Finance Limited (UTLH)?
Our model-based price target is the fair value of £3.01 (as of Sep 27, 2026) from 4 valuation models. Cautious scenario £2.58, optimistic scenario £3.39. It is a calculation from audited fundamentals, not an analyst target.
What is the UIL Finance Limited stock forecast for 2026?
Our models put fair value at £3.01, about +100% upside versus a price of £1.51 (undervalued). Cautious scenario £2.58, optimistic scenario £3.39. The calculation is refreshed regularly with new filings.
What is the revenue of UIL Finance Limited (UTLH)?
UIL Finance Limited reported trailing-twelve-month revenue of about £3.7M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of UIL Finance Limited (UTLH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UIL Finance Limited it is £3.01 per share (as of Sep 27, 2026), against a price of £1.51. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is UIL Finance Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, UTLH trades below its calculated fair value: price £1.51, fair value £3.01, a gap of about +100% (undervalued). 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 UTLH?
No. The price is what the market pays today (£1.51); the fair value is what the company's own numbers justify (£3.01). For UIL Finance Limited the two are £1.51 per share apart. That gap is exactly why we show both numbers side by side.
How much is UIL Finance Limited worth?
The market values UIL Finance Limited at about 30.1M GBX (market capitalisation, as of Sep 27, 2026). Per share that is £1.51; our models calculate a fair value of £3.01 per share.
What do the bullish and bearish scenarios say about UTLH?
Our models span a range for UIL Finance Limited: cautious scenario £2.58, base £3.01, optimistic £3.39 per share (as of Sep 27, 2026, price £1.51). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of UIL Finance Limited (UTLH)?
Balance-sheet figures for UIL Finance Limited (as of Sep 27, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is UTLH from its 52-week high?
UIL Finance Limited trades at £1.51, at its 52-week high of £1.51 and 8% above the low of £1.39 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of £3.01 is for.
Which stocks are comparable to UIL Finance Limited?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, Inc, 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 UIL Finance Limited stock attractive at the current price?
The data as of Sep 27, 2026: price £1.51, calculated fair value £3.01 (+100%), Quality Score 48/100, from 4 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 UTLH calculated?
We run UIL Finance Limited through 4 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 £3.01, 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 14.5 % above its aggregate fair value. UIL Finance Limited currently trades 50 % 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 UIL Finance Limited (UTLH)?
The closing price on Oct 2, 2026 was £1.51. Our model-based fair value is £3.01, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UIL Finance Limited right now?
The price is below even our cautious bear case (£2.58). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (48/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of UIL Finance Limited
How large is the market capitalisation of UIL Finance Limited (UTLH)?
The market capitalisation of UIL Finance Limited is 30.1M 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 net margin of UIL Finance Limited (UTLH)?
The net margin of UIL Finance Limited is 0.0% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of UIL Finance Limited (UTLH)?
On an EBIT basis the return on assets of UIL Finance Limited is 5.9% (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 UIL Finance Limited (UTLH)?
The operating margin of UIL Finance Limited is 100% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UIL Finance Limited (UTLH)?
Revenue at UIL Finance Limited is growing −25.4% versus a year earlier (3y avg −14.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does UIL Finance Limited (UTLH) carry?
The net debt of UIL Finance Limited is 98.2M GBX (fiscal year 2023). 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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