UTI AMC (UTIAMC)

FairStock Score: 68/100 — STEADY

Score breakdown: P/E: 2/3 · ROCE: 1/2 · Growth: 2/2 · Dividend: 1/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I wear Graham's spectacles and Buffett's patience. UTI AMC is an asset-light AMC with a ₹11,672 Cr market cap, priced at ₹908.05. On quality, it scores well: ROE 16.64%, ROCE 23.72%, debt/equity only 0.03, Piotroski F-Score 8/9 and Altman Z-Score 3.85. It generated ₹660 Cr free cash flow and pays a 4.41% dividend yield. Latest quarter sales were ₹423 Cr and net profit ₹124 Cr, with profit growth of 24% versus sales growth of 6.70%; five-year revenue CAGR is 16.73%. That suggests cost discipline and operating leverage, though recent top-line growth is modest. The moat is UTI's trusted brand and distribution, but as an AMC it is competitive and sensitive to market cycles. The balance sheet is pristine. However, Graham's number is ₹572.84 against a ₹908.05 price, giving a negative margin of safety of -72.35%. P/E 25.38 and P/B 2.59 are not Graham-cheap. DCF intrinsic value of ₹2,279.95 is alluring, but EV/EBITDA at -1.00 needs explanation. No promoter holding means professional management, but also no controlling anchor. FairStock score 68/100 STEADY fits a stalwart, not a bargain. At 4.41% yield and near the 52-week low of ₹866, against a high of ₹1,409, I'd watch for margin of safety to improve before buying heavily. For an Indian retail investor, that is the key tension: quality is visible, but the price is demanding. I would require a wider discount before committing fresh capital.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer