UIL Finance (LSE:UTLI) Financial Strength: 4 (As of Dec. 2025) — 33% Above Median

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LSE:UTLI UIL Finance Ltd LSE:UTLI
19 GF Score
Price £1.34
! 2 Warning Signs
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What is UIL Finance Financial Strength?

UIL Finance LSE:UTLI 19 Financial Strength is 4 as of Dec. 2025, which is 33% above its 10-year median of 3.00. GuruFocus rates LSE:UTLI with a GF Score™ of 19/100. The stock has 2 warning signs investors should review.

UIL Finance has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate UIL Finance's interest coverage with the available data. UIL Finance's debt to revenue ratio for the quarter that ended in Dec. 2025 was 0.00. Altman Z-Score does not apply to banks and insurance companies.

UIL Finance  (LSE:UTLI) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

UIL Finance has the Financial Strength Rank of 4.

UIL Finance Financial Strength Related Terms

LSE:UTLI
19GF Score
UIL Finance Ltd LSE:UTLI
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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UIL Finance Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

UIL Finance's Interest Expense for the months ended in Dec. 2025 was £0.00 Mil. Its Operating Income for the months ended in Dec. 2025 was £0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was £0.00 Mil.

UIL Finance's Interest Coverage for the quarter that ended in Dec. 2025 is

UIL Finance had no long-term debt (1).

The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Ben Graham prefers companies' interest coverage to be at least 5. UIL Finance Ltd has enough cash to cover all of its debt. Its financial situation is stable.

2. Debt to revenue ratio. The lower, the better.

UIL Finance's Debt to Revenue Ratio for the quarter that ended in Dec. 2025 is

Debt to Revenue Ratio=Total Debt (Q: Dec. 2025 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 0) / 3.778
=0.00

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Financial Strength →
What does a Financial Strength of 4 mean?
UIL Finance (LSE:UTLI) has a Financial Strength of 4 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on UIL Finance and its competitors. This is 33% above median its historical median of 3.00. Over the past decade, UIL Finance's Financial Strength has ranged from 2.00 to 4.00.
Is UIL Finance's Financial Strength too high?
UIL Finance's current Financial Strength of 4 is 33% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 4.00. Overall, UIL Finance has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does UIL Finance's Financial Strength compare to BLK and BX?
UIL Finance's Financial Strength of 4 can be compared against companies in the Asset Management industry. Historically, UIL Finance's own Financial Strength has ranged from 2.00 to 4.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for an Asset Management company?
A good Financial Strength depends on the Asset Management industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on UIL Finance and its competitors. UIL Finance's current Financial Strength is 4, which is 33% above median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UIL Finance stock overvalued right now?
UIL Finance (LSE:UTLI) has a current Financial Strength of 4. The current Financial Strength is 4, which is 33% above median its 10-year median of 3.00. UIL Finance's overall GF Score™ is 19/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For UIL Finance (LSE:UTLI), the current Financial Strength is 4 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

UIL Finance Business Description

Other Exchanges UTLH:UK
Address 2 Church Street, Clarendon House, Hamilton, BMU, HM 11
UIL Finance Ltd is an investment company that operates as a subsidiary of UIL Ltd. It generates revenue by financing the zero dividend preference shares debt of UIL Ltd through lending current asset funds. UIL Finance's activities involve identifying and investing in undervalued assets across various sectors, including utilities and infrastructure. The company's investment approach includes holding a diversified portfolio of securities such as shares, bonds, and convertibles, and it focuses on long-term value creation through active shareholder engagement and investment management. The company is exempt from taxation, except insofar as it is withheld from income received.
19GF Score

Get the complete analysis for LSE:UTLI

Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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