Uk Mortgages (UKML)

[ADVERT]

Company name:	Uk Mortgages Limited
EPIC:	UKML	Trading Currency:	GBX
Market Sector:	SFML	ISIN:	GG00BXDZMK63
Market Segment:	SFM1	Share Type:	DE
WWW Address:		Description:	ORD 1P
Industry Sector:	GENERAL FINANCIAL

Price	Price Change [%]	Bid	Offer	Open	High	Low	Volume
71.00	-0.1 [-0.14]	70.00	72.40	70.20	70.20	70.20	51,065
Market Cap. [m]	Shares In Issue [m]	Beta	EPS	DPS	PE Ratio	Yield	52-Wks-Range
164.81	232.13	0.03	2.30	3.00	30.87	4.23	75.50 - 60.00

Uk Mortgages Key Figures

(at previous day's close)
Market Cap.	164.81	m
Shares In Issue	232.13	m
Prev. Close	71.10
PE Ratio	30.87
Dividend Yield	4.23	%
EPS - basic	2.30	p
Dividend PS	3.00	p
Dividend Cover	0.77
Cash Flow PS	-125.50	p
Return On Equity (ROE)	2.83	%
Operating Margin	12.91	%
PEG Factor	-2.68
EPS Growth Rate	-11.54	%
Dividends PS Growth Rate	-46.67	%
Net Debt	1,443.34	m
Gross Gearing	87.06	%
Quick Assets	1,701.32	m
Net Working Capital	1,673.25	m
Intangibles / Fixed Assets	-	%
Turnover PS	20.79	p
Pre-Tax Profit PS	2.68	p
Retained Profit PS	2.68	p
Cash PS	16.33	p
Net Cash PS	4.24	p
Net Tangible Asset Value PS *	94.81	p
Net Asset Value PS	80.59	p
Spread	2.40 (3.31%)
* Calculation based on Ordinary Capital figure as contained in last annual report, and the most recent shares in issue figure. Therefore the ratio might be exposed to inaccuracies.

Uk Mortgages Balance Sheet

Share Price Performance

Sample Period ^†	High	Low
1 week	72.40	70.20
4 weeks	72.70	70.20
12 weeks	74.00	70.20
1 year	75.50	60.00

Share Price Chart (5 years)

Uk Mortgages Historic Returns

Period ^†	Open	Change	%	Open Avg.	Avg. Daily Vol [m]	Total Vol [m]	VWAP
1 week	70.70	0.30	0.42	70.20	0.20		71.09
4 weeks	72.30	-1.30	-1.80	70.20	0.14		71.44
12 weeks	70.80	0.20	0.28	70.20	0.12		71.77
26 weeks	69.00	2.00	2.90	68.75	0.15		72.18
1 year	62.00	9.00	14.52	60.00	0.49		67.27
3 years	89.25	-18.25	-20.45	39.80	0.52		68.91
5 years	100.13	-29.13	-29.09	39.80	0.41		74.24
† periods calculated are whole weeks rather than calendar months

Uk Mortgages Key Management Ratios

Uk Mortgages Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio	-
PE Ratio	30.87
Tobin's Q Ratio	0.11
Tobin's Q Ratio (excl. intangibles)	0.11
Dividend Yield	4.23	%
Market-to-Book Ratio	0.75
Price-to-Pre-Tax Profit PS	26.45
Price-to-Retained Profit PS	26.45
Price-to-Cash Flow PS	-0.57
Price-to-Sales PS	3.41
Price-to-Net Tangible Asset Value PS	0.88
Price-to-Cash PS	4.35
Net Working Capital PS	720.82
Price Pct to Working Capital PS	0.10	%
Earnings Yield	3.24	%
Average PE	81.84
Years in average	4
PE to PE average	37.72	%

Uk Mortgages Financial Ratios

(Leverage Ratios)
Debt Ratio	86.85	%
Debt-to-Equity Ratio	6.60
Debt-to-Equity Ratio (excl. Intgbl)	6.60
Debt-to-Equity Market Value	8.82
Net Gearing	84.84	%
Net Gearing (excl. Intangibles)	84.84	%
Gross Gearing	87.06	%
Gross Gearing (excl. Intangibles)	87.06	%
Gearing Under 1 Year	1.65	%
Gearing Under 1 Year (excl. Intgbl)	1.65	%
Assets/Equity	7.73
Cash/Equity	17.22
(Liquidity Ratios)
Net Working Capital to Total Assets	98.35	%
Current Ratio	60.60
Quick Ratio (Acid Test)	60.60
Liquidity Ratio	1.35
Cash & Equiv/Current Assets	2.23	%
(Solvency Ratios)
Enterprise Value	1,580.08	m
CFO/Sales	-6.04
CFO/Attributable Profit	-
CFO/Assets	-0.17
CFO/Debt	-0.20
Total Debt/Equity Market Value	8.99
Total Debt/Sales	30.69
Total Debt/Pre-Tax Profit	237.68
Total Debt	1,481.25	m
Total Debt/Net Current Assets	0.89	%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth	-	%
5 yr Compound Earnings Growth	-	%
10 yr Compound Earnings Growth	-	%
Earn drops > 5% in 10yrs	1

Beta (60-Mnth)	Beta (36-Mnth)
0.0285	0.0236

Uk Mortgages Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)	0.37	%
Return On Assets (ROA)	0.40	%
Net Profit Margin	12.91	%
Assets Turnover	0.03
Return On Equity (ROE)	2.83	%
Return On Investment (ROI)	0.41	%
Dividend Payout Ratio	130.43	%
Plowback Ratio	-30.43	%
Growth from Plowback Ratio	-0.85	%
Net Income Of Revenues	12.91	%
(Asset Utilisation Multiples)
Shareholders Equity Turnover	0.22
Fixed Assets Turnover	-
Current Assets Turnover	0.03
Net Working Capital Turnover
Inventory Turnover	-
(Other Operating Ratios)
Total Assets-to-Sales	32.10
Debtors-to-Sales	3,117.75	%
Debt Collection Period	11,379.78	Days

Uk Mortgages Dividends

Announcement Date	Type	Curr.	Dividend Amount	Period Start	Period End	Ex Date	Record Date	Payment Date	Total Dividend Amount
08 Jul 2021	Interim	GBX	1.13	31/03/2020	31/03/2021	15/07/2021	16/07/2021	30/07/2021	4.50
15 Apr 2021	Interim	GBX	1.13	01/12/2020	31/03/2021	22/04/2021	23/04/2021	07/05/2021	-
14 Jan 2021	Interim	GBX	1.12	01/07/2020	31/12/2020	21/01/2021	22/01/2021	05/02/2021	-
08 Oct 2020	Interim	GBX	1.12	30/05/2020	30/09/2020	15/10/2020	16/10/2020	30/10/2020	-
08 Oct 2020	Interim	GBX	1.12	30/05/2020	30/09/2020	15/10/2020	16/10/2020	30/10/2020	-
09 Jul 2020	Interim	GBX	0.37	30/06/2019	30/06/2020	16/07/2020	17/07/2020	31/07/2020	3.00
07 Apr 2020	Interim	GBX	0.38	01/12/2019	31/03/2020	16/04/2020	17/04/2020	30/04/2020	-
09 Jan 2020	Interim	GBX	1.13	01/07/2019	31/12/2019	16/01/2020	17/01/2020	31/01/2020	-
11 Oct 2019	Interim	GBX	1.12	30/05/2019	30/09/2019	17/10/2019	18/10/2019	31/10/2019	-
11 Jul 2019	Interim	GBX	1.12	30/06/2018	30/06/2019	18/07/2019	19/07/2019	31/07/2019	5.63
11 Apr 2019	Interim	GBX	1.50	01/12/2018	31/03/2019	18/04/2019	23/04/2019	30/04/2019	-
10 Jan 2019	Interim	GBX	1.50	01/07/2018	31/12/2018	17/01/2019	18/01/2019	31/01/2019	-
11 Oct 2018	Interim	GBX	1.50	30/05/2018	30/09/2018	18/10/2018	19/10/2018	31/10/2018	-
12 Jul 2018	Interim	GBX	1.50	30/06/2017	30/06/2018	19/07/2018	20/07/2018	31/07/2018	6.00
17 Apr 2018	Interim	GBX	1.50	01/12/2017	31/03/2018	19/04/2018	20/04/2018	30/04/2018	-
11 Jan 2018	Interim	GBX	1.50	01/07/2017	31/12/2017	18/01/2018	19/01/2018	31/01/2018	-
11 Oct 2017	Interim	GBX	1.50	30/05/2017	30/09/2017	19/10/2017	20/10/2017	31/10/2017	-
12 Jul 2017	Interim	GBX	1.50	30/06/2016	30/06/2017	20/07/2017	21/07/2017	31/07/2017	6.00
10 Apr 2017	Interim	GBX	1.50	01/12/2016	31/03/2017	20/04/2017	21/04/2017	28/04/2017	-
13 Jan 2017	Interim	GBX	1.50	01/07/2016	31/12/2016	19/01/2017	20/01/2017	31/01/2017	-
12 Oct 2016	Interim	GBX	1.50	30/05/2016	30/09/2016	20/10/2016	21/10/2016	31/10/2016	-
13 Jul 2016	Interim	GBX	1.50	30/06/2015	30/06/2016	21/07/2016	22/07/2016	29/07/2016	3.00
14 Apr 2016	Interim	GBX	1.50	01/12/2015	31/03/2016	21/04/2016	22/04/2016	29/04/2016	-

Uk Mortgages Fundamentals

	30 Jun 2017 (GBP)		30 Jun 2018 (GBP)		30 Jun 2019 (GBP)		30 Jun 2020 (GBP)
turnover	15.39	100.00%	25.96	100.00%	40.50	100.00%	48.27	100.00%	m
pre tax profit	1.02	6.66%	5.85	22.54%	7.02	17.33%	6.23	12.91%	m
attributable profit	1.02	6.66%	5.85	22.54%	7.02	17.33%	6.23	12.91%	m
retained profit	1.02	6.66%	5.85	22.54%	7.02	17.33%	6.23	12.91%	m
eps - basic (p)	0.40		2.30		2.60		2.30
eps - diluted (p)	0.40		2.30		2.60		2.30
dividends per share	6.00		6.00		5.63		3.00

Uk Mortgages Balance Sheet

	30 Jun 2017 (GBP)		30 Jun 2018 (GBP)		30 Jun 2019 (GBP)		30 Jun 2020 (GBP)


	30 Jun 2017 (GBP)		30 Jun 2018 (GBP)		30 Jun 2019 (GBP)		30 Jun 2020 (GBP)
ASSETS
fixed assets	-	-%	-	-%	-	-%	-	-%	m
intangibles	-	-%	-	-%	-	-%	-	-%	m
fixed investments	-	-%	-	-%	-	-%	-	-%	m
current assets - other	-	-%	-	-%	-	-%	-	-%	m
stocks	-	-%	-	-%	-	-%	-	-%	m
debtors	858.56	90.89%	1,237.29	96.58%	1,346.26	96.31%	1,663.42	97.77%	m
cash & securities	86.02	9.11%	43.78	3.42%	51.52	3.69%	37.91	2.23%	m

TOTAL	944.58	100%	1,281.07	100%	1,397.78	100%	1,701.32	100%	m

LIABILITIES
creditors - short	5.46	0.58%	4.71	0.37%	12.43	0.89%	28.07	1.65%	m
creditors - long	715.73	75.77%	1,042.37	81.37%	1,161.27	83.08%	1,453.17	85.41%	m
creditors - other	-	-%	-	-%	-	-%	-	-%	m
subordinated loans	-	-%	-	-%	-	-%	-	-%	m
insurance funds	-	-%	-	-%	-	-%	-	-%	m

TOTAL	721.19	76.35%	1,047.08	81.73%	1,173.69	83.97%	1,481.25	87.06%	m

EQUITY
ord cap, reserves	223.39	23.65%	233.99	18.27%	224.08	16.03%	220.08	12.94%	m
prefs, minorities	-	-%	-	-%	-	-%	-	-%	m

TOTAL	223.39	23.65%	233.99	18.27%	224.08	16.03%	220.08	12.94%	m

OTHER
NAV Basic	89.36		85.69		82.06		80.59
NAV Diluted	89.36		85.69		82.06		80.59

Uk Mortgages Cash Flow Statement

	30 Jun 2017 (GBP)	30 Jun 2018 (GBP)	30 Jun 2019 (GBP)	30 Jun 2020 (GBP)
Operating CF	-547.15	-374.18	7.83	-291.32	m
Pre-Financing CF	-547.15	-374.18	-89.92	-291.32	m
Retained CF	-108.20	-42.24	7.74	-13.62	m

Uk Mortgages Brokers

Broker infomation is not available for this class of stock.