{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "4ad5378c-f2e8-40db-9668-e758b305766c",
    "symbol": "UTL",
    "name": "UIL Limited",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Asset Management",
    "chart_url": "https://sharemaestro.com/terminal/4ad5378c-f2e8-40db-9668-e758b305766c/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "4ad5378c-f2e8-40db-9668-e758b305766c",
      "symbol": "UTL",
      "name": "UIL Limited",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Asset Management",
      "chart_url": "https://sharemaestro.com/terminal/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "UTL.L",
    "market_cap": 179974608.0,
    "market_cap_usd": 18720977328.0,
    "price": 199.0,
    "currency": "GBP",
    "dividend_yield": 0.0402,
    "dividend_years": 15,
    "dividend_growth_5y": 0.04563955,
    "dividend_cut_5y": true,
    "payout_ratio": 0.1663,
    "net_income": 20900000.0,
    "free_cash_flow": 11694000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.31234,
    "revenue_growth_5y": null,
    "net_margin": 0.87964994,
    "roe": 0.30163,
    "pe_ratio": 4.1458335,
    "price_vs_ma": 0.09599306,
    "return_3y": 0.37504241,
    "return_5y": -0.22656069,
    "max_drawdown": -0.65171931,
    "scores": {
      "dividend_reliability": 18.0,
      "dividend_sustainability": 20.0,
      "business_quality": 20.0,
      "valuation": 13.0,
      "trend": 9.0,
      "total": 80.0,
      "confidence": 94.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/",
      "chart": "https://sharemaestro.com/terminal/4ad5378c-f2e8-40db-9668-e758b305766c/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 18.0,
    "dividend_sustainability": 20.0,
    "business_quality": 20.0,
    "valuation": 13.0,
    "trend": 9.0,
    "total": 80.0,
    "confidence": 94.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2026-06-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2026-03-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2025-12-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2025-10-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2025-08-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2025-03-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2025-01-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2024-09-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2024-07-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2024-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2023-11-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2023-09-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "UTL dividend payment 2 GBP",
      "detail": "Recorded dividend payment for UIL Limited.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2020-03-05",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "Dividend increased 6.7%",
      "detail": "Payment changed from 1.875 to 2.",
      "amount": 2.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2013-11-06",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 3.75 to 1.875.",
      "amount": 1.8750001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2013-10-02",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "Dividend decreased -40.0%",
      "detail": "Payment changed from 6.25 to 3.75.",
      "amount": 3.7500002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2013-03-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "Dividend increased 78.6%",
      "detail": "Payment changed from 3.5 to 6.25.",
      "amount": 6.25,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2012-10-03",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "Dividend increased 11.1%",
      "detail": "Payment changed from 3.15 to 3.5.",
      "amount": 3.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    },
    {
      "event_date": "2011-10-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "UTL",
      "exchange": "LSE",
      "headline": "Dividend decreased -35.0%",
      "detail": "Payment changed from 5 to 3.25.",
      "amount": 3.25,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ad5378c-f2e8-40db-9668-e758b305766c/"
    }
  ]
}