Recently, I scanned the UK market for undervalued stocks that City analysts are very bullish on right now. Here are two names that came up.

A cheap dividend stock

Let’s start with Yu Group (LSE: YU.). It’s an independent supplier of gas and electricity to small- and medium-sized (SME) businesses across the UK (and a smart metre installer).

It’s been growing at a rapid rate in recent years (three-year revenue growth of 316%). But this doesn’t seem to be reflected in the valuation.

At present, Yu has a forward-looking price-to-earnings (P/E) ratio of just 7.2 and a trailing free cash flow yield of 23%. These metrics suggest the stock’s a bargain right now.

Looking at analysts’ share price forecasts, they see the potential for strong gains over the next 12 months, or so. Currently, the average price target is 2,276p, which is roughly 50% above the current share price.

I don’t think that price target’s unreasonable. That’s because it would still only take the P/E ratio to 10 using next year’s earnings per share forecast.

Of course, there are no guarantees that it will get there. A below-par trading update could send the share price down.

Recent updates have been pretty good however. For example, in September, the company posted a 14% year-on-year increase in pre-tax profit for the first half of 2025.

So I think the stock’s worth a closer look. A dividend yield of around 4.7% adds weight to the investment case.

A bargain gold stock

Another UK stock that looks very cheap right now is Serabi Gold (LSE: SRB), the gold producer that operates in Brazil.

Over the last year, gold prices have surged. As a result, gold mining companies – many of which have per-ounce production costs that are well below current selling prices – are seeing huge increases in profitability.

That’s certainly the case here. This year, Serabi’s net profit is expected to be around $50m versus $28m last year. This surge in profits isn’t reflected in the valuation at all however. Currently, this stock sports an incredibly low P/E ratio of just 4.8.

What’s even more crazy is the price-to-earnings-to-growth (PEG) ratio. This is about 0.06, which is almost unheard of (a ratio of below one’s good).

Now, analysts don’t expect the stock to remain this cheap for long. Currently, the average price target is 368p – almost 50% above the current share price.

Again, there’s no guarantee that this price target will be achieved. With gold mining companies there are a lot of things that can go wrong (eg mine setbacks, bad weather, staff strikes).

However, if an investor is looking for gold exposure and comfortable with the risks, I think this stock could be worth considering. And it seems that a few of my colleagues agree.

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Moreover, while my relative outperformance is good to see, I need to think about what’s going to happen next. With the stock market getting really hot in places, I’ve actually sold some of my most successful investments, including long-held positions in AppLovin and Celestica (still in my daughter’s portfolio and up 1,500% and 1,000% respectively), and shorter trades like Rocket Lab and TTM Technologies.

So, where am I investing next? Well, the stocks on my watchlist now are a little different to the tech-oriented multibaggers I usually aim for.

Yü Group

Yü Group (LSE:YU) is a UK-based business energy and utility supplier to SMEs and corporates. It offers electricity, gas, and water services.

While you’d normally hear energy and think resilient utilities company, Yü is an interesting one because its share price surged 10 times between mid-2022 and early 2024. It’s been more stable since. The driver was rapid expansion of meter points and higher average contracted revenue per meter.

With the share price flattening over the past year, it appears that the value proposition is once again improving. It trades at 7.5 times forward earnings, with that figure falling to 7.1 times in 2026. It’s also got an attractive dividend proposition, with the yield sitting at 4.5% and rising to 4.8% in 2026.

What’s more, the company is currently sitting on a net cash position of £109m. That’s hugely significant for a company with a market cap of just £266m. On a net-cash adjusted basis, it’s trading at just 4.5 times net income for the coming year.

However, there are still risks. This includes exposure to bad debt in the SME space and energy price volatility. Nonetheless, it’s high on my watchlist and worth considering.

Innovative Aerosystems

Innovative Aerosystems (NASDAQ:ISSC), formerly Innovative Solutions & Support, develops flight displays and avionics systems for commercial and military programmes.

Recent performance has been transformed by the acquisition of Honeywell’s F-16 product line, which helped more than double quarterly revenue and pushed backlog to $72m. Alongside this, the firm is tripling manufacturing capacity through its expanded Exton facility, supporting management’s target of delivering over 30% revenue and EBITDA (earnings before interest, tax, depreciation, and amortisation) growth versus 2024.

The stock had surged earlier in the year, but now trades 65% below its peak. The valuation also looks undemanding. It trades on a forward price-to-earnings (P/E) ratio of 13.5, falling to 11.3 in 2026 and 8.1 in 2027 as earnings scale. The P/E-to-growth (PEG) ratio is just 0.31. The balance sheet also looks strong.

As always, there are risks. Gross margins have slipped to 35.6% due to integration costs, and management expects a temporary dip in F-16 revenue during the facility transition.

But looking at the valuation, this is definitely one for my watchlist — I certainly think it’s worth considering.

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Yet despite the generous tax advantages, uptake remains far from universal. HMRC data shows more than 22m adults hold an ISA, but only 4.2m choose to invest through a Stocks and Shares ISA.

Separate surveys suggest this isn’t due to lack of interest in investing — many people simply don’t understand how the Stocks and Shares ISA works, and a significant proportion (17%) have never heard of it at all.

That’s unfortunate, because the long-term performance gap between cash ISAs and investment ISAs is considerable.

Over the past decade, the average Stocks and Shares ISA has delivered close to double-digit annual returns (9.6%), compared with low single-digit outcomes for cash. And because all gains, dividends, and interest within the ISA are sheltered from tax, compounding isn’t hindered by annual tax drags.

For investors aiming to build long-term wealth — and ultimately generate stable monthly income — the mechanics are straightforward. A pot of about £150,000 could support around £500 per month using a cautious 4% withdrawal model, while £300,000 could roughly double that.

Please note that tax treatment depends on the individual circumstances of each client and may be subject to change in future. The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of tax advice. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions.

Running some maths

Of course, it all depends on the time horizon. Let’s imagine an investor contributes £500 per month to their Stocks and Shares ISA and achieves 9.6% average annualised growth over the next 30 years. Well, at the end of the period, they’d have £1.06m. That’s a huge figure.

And I’ll be bold and suggest that a 5% withdrawal rate could also be sustainable. That translates to £53,000 per year or £4,400 per month. Yes, that’ll be worth less in 30 years than it is today, but it’s still a huge net gain.

Where to invest for growth?

Most of us at the starting point of our ISA journey wonder how we can grow our portfolios by nearly 10% per year, or even more. With funds, trusts, stocks, and bonds to choose from, among some other investment opportunities, it can be hard to know where to start.

One interesting prospect is Yü Group (LSE:YU) is a UK business-energy supplier that operates a growing smart-meter business, focused on electricity and gas for SMEs and corporates. In 2024, it grew revenue by 40% with equivalent energy volume up 78%, while adjusted EBITDA (earnings before interest, tax, depreciation, and amortisation) rose to £48.8m.

The firm now supplies 106,000 meter points, according to the interim report. That’s up 48% year on year. In H1, revenue was £341m (+9%) with “smart meters owned” soaring 179% and generating £1.8 m of recurring income.

However, there were some signs of the market normalising. Average monthly bookings were £41.4m, down 12% year on year as wholesale prices fell. And like any investment, there are risks, including commodity-price volatility and exposure to bad debt in the SME market.

Nonetheless, it’s sitting on £109m of net cash and earnings are still progressing. With an enterprise value-to-EBITDA ratio of 3.4, it’s certainly worth considering.

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Up a staggering 1,682% over the past five years, this small energy supplier has turned plenty of heads. The big question now is whether the rally still has legs — or if investors have already missed the boat.

Digging deeper

Yu Group (LSE: YU.) isn’t a household name, but it’s carved out a profitable niche by supplying gas and electricity to small- and medium-sized businesses across the UK. It’s not a giant by any means — with a market-cap of only £275.4m — but its latest financial results tell quite the success story.

The company booked £673m in revenue and £35.3m in net income last year, reflecting strong operational execution. Its return on equity (ROE) sits at an eye-popping 53%, a figure its rivals probably envy.

Margins remain fairly slim, as is typical in the energy supply business, yet profitability has held up impressively well. Debt coverage is solid, and cash flow appears healthy. 

By staying agile and focusing on independent business clients, it seems Yu Group has managed to thrive in a space typically dominated by utility heavyweights.

Dividends and valuation

What really surprises me is the share’s valuation. After such explosive growth, investors might be expecting it to be trading at nosebleed levels. Instead, its forward price-to-earnings (P/E) ratio sits at 8.9 — practically a bargain compared to Rolls-Royce’s bloated 39.5 multiple. 

I’m sure that’s an attractive figure to even the most cautious of value-focused investors.

Better yet, Yu Group recently started rewarding shareholders with dividends. Its current yield stands at 3.66%, which is nothing to sneeze at, and the payout ratio’s a modest 29.9%. What’s particularly impressive is the trajectory: dividends have surged from just 3p per share to 22p in three years.

It’s not often a small-cap business shows this kind of consistency. If that growth continues, it could quickly become a name long-term income investors seriously consider.

So what’s the catch?

Of course, it’s not all plain sailing. The firm faces fierce competition from the likes of National Grid and SSE — industry titans with deeper pockets and bigger balance sheets. Any unexpected regulatory changes or sharp energy price spikes could put a dent in profits.

And with a relatively small market-cap, liquidity risks shouldn’t be ignored. A single bad earnings update or shift in sentiment could easily send the share price tumbling.

My verdict

On balance, Yu Group looks exceptionally well-run and attractively valued after its recent results. The dividend’s growing fast, the balance sheet’s rock-solid, and management seems focused on sustainable expansion rather than reckless growth.

For investors who like to spot potential among smaller UK shares, this is one to keep an eye on. It’s not without risk — small-caps rarely are — but the company’s track record suggests real staying power.

In a market still hunting for value, I think it’s the kind of stock worth considering when looking for future growth stories.

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Premium bonds currently offer an annual ‘prize fund rate’ of roughly 3.8%. This figure is not a guaranteed yield, as it reflects an average return based on luck in monthly draws. Importantly, most bondholders will earn less, and many never win at all.

In contrast, several prominent UK stocks are delivering dividend yields that far exceed this rate.

While dividends are by no means guaranteed, these payments are arguably more predictable that the ‘luck’ of a premium bond prize. They are also typically paid biannually or quarterly, providing regular cash flow.

The best FTSE income stocks are clearly outpacing premium bonds on yield. For those willing to accept modest stock market risk, dividends from companies like Legal & General or Phoenix Group can offer an inflation-beating source of passive income.

And in the current market, I’d suggest it’s entirely possible to create a portfolio of 10 stocks with an average yield of 6%. And the portfolio would be composed of dividend-paying stocks that appear sustainable.

All these factors make me think premium bonds look less and less attractive by comparison. And it’s even more compelling if an investor wishes to compound for wealth accumulation.

For example, £10,000 would grow to £31,000 after 30 years in premium bonds, while that figure would be £60,000 in investments returning 6% per year. More seasoned investors averaging 12% per annum could turn £10,000 into £359,000.

One investment to consider

Yü Group (LSE:YU) is an AIM-listed stock that stands out for dividend investors. The forecast dividend yield is 4.6% and is expected to exceed 5% by 2027, based on strong projected increases in payouts — from 60p per share in 2024 to 95p by 2027. Buying Yü Group shares now would allow an investor to lock in today’s attractive yield and benefit directly from anticipated dividend hikes over the coming years.

A crucial strength is Yü’s balance sheet. The group holds £80.2m in net cash, equivalent to 30% of its £273m market capitalisation. This significant cash buffer not only underpins dividend sustainability, but also signals further potential for increases, especially given a conservative payout ratio of about 33%.

Moreover, the core business benefits from sector trends such as smart metering rollouts and demand for green energy. It’s a licensed supplier of electricity, gas, and water to UK firms.

A key risk to monitor is volatility in wholesale energy prices, which, despite effective hedging, could impact long-term margins. Still, the company’s earnings strength and balance sheet resilience make its rising dividends especially compelling for long-term investors.

I’ve got it on my watchlist. It may be worth broader consideration.

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Currently, the business trades at just 7.5 times forecast earnings, holds a really impressive net cash position of £80.2m, and offers a healthy — and growing — dividend yield that looks set to move north of 5% in just a couple of years.

What it does

Yü Group specialises in supplying electricity, gas, and water exclusively to UK businesses. Unlike many mid-tier operators, it isn’t a broker. It’s a licensed supplier, bundling utilities with straightforward contracts and adding value through digital metering, usage analytics, and sustainability options. The company’s known for its quick scaling in smart meters and for winning new SME and large enterprise customers across Britain.

Industry-wide trends look supportive. There’s an accelerating push for smart metering, transparency, and ESG. These are areas where Yü Group’s already strong. For businesses craving greener energy, Yü also offers packages that include 100% renewable electricity.

Furthermore, companies face rising pressure to cut costs and to simplify utility management, both of which are firmly in Yü’s marketing wheelhouse. By the start of 2025, Yü had already secured £566m in contracted revenue, up 9% from last year, underpinning both its impressive sales growth and greater earnings visibility.

The numbers add up

Earnings have snowballed. Adjusted EBITDA hit £48.8m in 2024 (up 11%), with pre-tax profit at £44.5m. Net cash stood at £80.2m, buoyed by prudent hedging alongside a deal with Shell that freed up working capital for further expansion.

And the balance sheet outlook only improves. Analysts forecast net cash to reach £117m in 2025, £142m for 2026, and a remarkable £168m for 2027. This is really worth noting for a company with a market cap of £272m.

Dividends are also improving. Starting at 60p per share for 2024, it’s on track for 84p in 2025, 90p in 2026, and 95p in 2027. The yield, currently 3.3%, will reach 4.7% by 2026 and 5.1% by 2027 if forecasts hold. That’s difficult to find among either high-growth or utilitarian dividend shares.

Forward earnings metrics are also compelling. Yü trades on 7.5 times forecast earnings for 2025, dropping to just 7 times in 2026. The net cash-adjusted price-to-earnings (P/E) ratio would sit around 5.2 times. Very attractive.

The bottom line

However, there are risks. Energy markets are by nature volatile, injecting uncertainty into what customers ultimately pay and what Yü pockets. While its revenue per customer is somewhat exposed to wholesale price swings, its hedging agreements reduce some pressure but do not eliminate it.

Rapid growth brings the usual operational and execution risks, and the highly competitive UK utilities space could erode margins. Even allowing for these risks, there’s a lot to like about the company. It’s certainly worth broader investor attention.

I’m going to be watching it very closely.

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This can mean investors need to work harder to find high-yielding and well-valued dividend stocks. Here are two I believe are overlooked — partially because of their size — and could contribute to a well-rounded second income portfolio.

Card Factory

Card Factory (LSE:CARD) offers one of the most attractive dividend profiles in the UK retail sector, with forecasts pointing to rising payouts and strong coverage. Analysts expect the dividend per share to increase from 5.7p in 2026 to 6.3p in 2027 and 6.8p in 2028, equating to prospective dividend yields of 6%, 6.7%, and 7.2% at current price. 

These dividends are well covered, with payout ratios remaining under 40%. In other words, the dividend cover is between two and three times adjusted earnings. 

Meanwhile, the company’s price-to-earnings (P/E) ratio is forecast to fall from 6.2 times in 2026 to 5.6 times in 2027 and just 5.2 times in 2028. When compared with the wider UK retailer sector, this suggests the shares are undervalued given the steady earnings growth.

Net debt’s also expected to fall sharply, from £117m in 2026 to £78m in 2028. However, it’s important to note that the current figure is around 33% of the market-cap. That’s ok with me but may prove a little high for others.

So is Card Factory overlooked? Well, it operates in a mature market and any slowdown in consumer spending or cost inflation could pressure margins. It needs to continually innovate to outperform in a relatively slow-moving market.

Despite this, I believe Card Factory’s a strong candidate for a second income portfolio. It’s also a stock I’m considering.

Yü Group

Yü Group (LSE:YU), a specialist energy supplier to UK businesses, is another high-yield contender with compelling growth prospects. The dividend per share is forecast to rise from 83.6p in 2026 to 89.4p in 2027 and 94.3p in 2028, translating to yields of 4.7%, 5%, and 5.3% at current prices. These payouts are well supported by earnings, with the payout ratio steady at around one-third of profits.

Meanwhile, Yü Group’s earnings per share are projected to grow from 250p in 2026 to 266p in 2027, while the company’s net cash position is set to improve further, moving from £117m in 2026 to £165m in 2028. That’s more than half of the company’s market-cap… covered by cash.

The forward P/E ratio drops from 7.2 times in 2026 to 6.8 times in 2027, reflecting both earnings growth and a modest valuation. A key risk is the volatility of energy markets, which could impact margins and cash flow if wholesale prices spike or customer defaults rise. Still, I believe it’s a very attractive opportunity and recently opened a position.

A hypothetical portfolio

A diversified portfolio normally has more stocks in it than this. However, for illustration sake, £10,000 split equally between the two would deliver £534 this year. That would rise to £580 the year after. And then finally reaching £615 in the third year.

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However, they’re both constituents of the Alternative Investment Market (AIM) and I believe they’re both looking pretty cheap at the moment.

Celebrus is cash-rich

Celebrus appears to offer strong value at current levels. The forward price-to-earnings (P/E) ratio’s just 8.2 times, and the forward EV-to-EBITDA’s five times, both of which are attractive compared to typical software sector multiples. Notably, net cash represents about half of the company’s market capitalisation, providing a significant margin of safety and financial flexibility.

While the most recent results disappointed on revenue, earnings held up well, demonstrating operational resilience and cost control. This combination of low valuation multiples, a robust balance sheet, and earnings stability — even in the face of softer top-line growth —suggests the market may be undervaluing Celebrus’ long-term potential.

The company’s ability to generate solid EBITDA and maintain profitability, alongside a healthy dividend yield, currently at 2.1%, further supports the view that Celebrus is good value for investors seeking both growth and downside protection.

Risks? Well, the company’s pointed to increasing uncertainty in geopolitics as a reason for slowing sales. This trend will need to reverse in order to regain investor confidence.

More cash at Yü Group

Yü Group potentially has an even more compelling valuation. The forward P/E ratios for 2025 and 2026 are 7.39 times and 6.96 times respectively. That’s well below sector averages.

Dividend per share is forecast to rise from 71.3p in 2024 to 83.6p in 2025, 89.4p in 2026, and 94p in 2027, with yields climbing from 3.3% to 5.1% during the period. This demonstrates a clear commitment to shareholder returns.

Crucially, Yü Group’s net cash position’s exceptional. Net cash is expected to reach £116.5m in 2025, £141.9m in 2026, and £165.3m in 2027. With a market-cap of £261m, it’s worth recognising quite how large these figures are. It also provides some protection against any depreciation.

While the company’s valuation has grown rapidly, the forward EV-to-EBITDA multiple falls from 4.7 times in 2024 to just 3.3 times in 2025 and 2.7 times in 2026, reflecting both earnings growth and the rising cash pile.

Of course, there are risks. This includes the company’s exposure to energy price volatility. While the company employs hedging and derivative instruments to manage this risk, adverse movements or ineffective hedging could impact profitability.

However, strong free cash flow yields and a proven growth trajectory, Yü Group stands out as a high-quality, cash-rich growth stock. It also appears to be trading at a discount to its fundamentals.

Personally, I think both are worthy of consideration. Celebrus is now part of my portfolio. I may look to add Yü Group as well.

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Many investors will look to achieve this by investing in stocks that pay a dividend. For example, £100,000 invested in a host of stocks with an average dividend yield of 5% would pay £5,000 per year.

And while UK-listed stocks provide some excellent dividend-paying options, a diversified portfolio of stocks will include companies listed overseas. There are several reasons for this including exposure to different economies. But also the FTSE 350 doesn’t offer broad exposure to dividend stocks in all sectors. That’s my opinion anyway.

Of course, the issue here is that overseas stocks are not denominated in pounds, and that means an investment is directly impacted by foreign exchange fluctuations.

A closer look

Here’s an example. Let’s say an investor bought £10,000 worth of ExxonMobil shares on 14 October 2022. This was a period of pound weakness I remember very well because I was on my honeymoon.

Sadly, for Exxon, the shares are pretty much flat in dollar terms over the period, but the pound surged around 22%. In turn, this means the Exxon shares would be worth less than £8,000 today.

The same applies to dividends. If our investor was expecting a 4% annualised dividend yield they’d be sadly disappointed. That’s simply because the initial investment would be generating around $440 a year. In 2022, that would have meant £400. But today that’s just £325.

And it’s important to remember that this fluctuation has happened over a relatively short period of time. The lesson is that exchange rate fluctuations can have a profound impact on our investments and second income objectives.

What to do?

Predicting currency fluctuations can be challenging. Morgan Stanley recently forecasted that the pound will rise to $1.45 by the second quarter of 2026. In a more optimistic scenario, the rate could climb as high as $1.51.

In such a scenario, it would be prudent to make limited investments in US-listed stocks for the time being. It’s something I’m having to think about very carefully.

And this is why I’m increasingly looking at overlooked or undervalued UK stocks at this time. Yü Group (LSE:YU) is one that stands out, notably for its impressive dividend growth.

The company’s board increased the full-year dividend by 50% to 60p per share in 2024, and further hikes are expected. Analysts forecast payouts of 84p in 2025, 90p in 2026, and 95p in 2027.

This translates to a yield of 3.3% today, rising to a projected 5.1% by 2027, a rare combination of a strong yield and rapid dividend growth.

The dividend is well-supported by strong financials: net cash rose to £80.2m in 2024 and is forecast to reach £168m by 2027.

Moreover, with shares trading at just 7.5 times 2025 earnings, Yü Group remains attractively valued. While risks remain — including energy price volatility and execution challenges — the company’s robust cash generation and disciplined growth are very attractive. It’s a stock I’m considering very closely.

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So what companies have I caught my eye? Well, here are some I’ve added to the watchlist: The Pebble Group, Card Factory, Keller Group, Yü Group (LSE:YU), and Celebrus Technologies (LSE:CLBS).

Yü Group

Yü Group’s delivered an extraordinary performance, with its share price up over 1,300% in five years. The company supplies energy and utility services to UK businesses and continues to post strong growth.

In 2024, revenue jumped 40% to £646m, with adjusted EBITDA up 11% to £48.8m. The company’s ability to secure contracted revenue offers impressive visibility. It already has £566m locked in for 2025.

As we can see in the above table, the forward metrics are positive. Basic EPS is forecasted to climb from 222p in 2024 to 266p in 2026. Meanwhile, the dividend’s also on a steep upward trajectory. It’s expected to rise from 60p in 2024 to 95p by 2027, equating to a prospective yield of 5.1%. 

Moreover, Yü Group’s net cash position’s particularly impressive. It had £80m at the end of 2024, and this is forecasted to reach £117m in 2025 and £168m by 2027.

The stock looks very cheap, especially when we account for net cash. This valuation discount may reflect concerns over energy price volatility, execution risk as the business scales, and the competitive nature of the UK energy market.

Celebrus Technologies

Celebrus Technologies operates a disruptive data platform. It’s a sector where US peers often command lofty valuations. Yet Celebrus trades at an EV-to-EBITDA ratio of just four times, a fraction of the sector average.

Despite a recent warning of a dip in revenue for 2025, adjusted pre-tax profits are set to rise, thanks to higher-margin software sales and tight cost controls. It also boasts $31m in cash and no debt, with projections suggesting net cash could reach $54m by 2027.

There are several risks here. Firstly, there are a number of companies in this disruptive space. Customer spending delays due to US trade policy may negatively impact sales further. Moreover, as a very small-cap, AIM-listed stock, liquidity can be thin and the business may be overlooked by larger investors.

Nonetheless, I believe the valuation, balance sheet, and long-term prospects are deserving of additional investor attention. I’m keeping a close eye on it.

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