DDM Analysis: HUW.L

Valuation Snapshot

Stable Growth	$9.57 - $22.31	$14.04
Multi-Stage	$6.77 - $7.40	$7.08
Blended Fair Value	$10.56
Current Price	$2.71
Upside	289.66%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	52.89%	27.67%	0.06	0.03	0.03	0.03	0.00	0.01	0.00	0.01	0.00	0.00
YoY Growth	-	-	90.56%	14.01%	0.79%	0.00%	-100.00%	141.55%	-72.73%	168.56%	-6.85%	-16.41%
Dividend Yield	-	-	2.14%	1.99%	1.62%	1.58%	0.00%	0.52%	0.22%	0.77%	0.26%	0.21%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	35.01
(-) Cash Dividends Paid (M)	6.74
(=) Cash Retained (M)	28.27

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	7.00	4.38	2.63
Cash Retained (M)	28.27	28.27	28.27
(-) Cash Required (M)	-7.00	-4.38	-2.63
(=) Excess Retained (M)	21.27	23.89	25.65
(/) Shares Outstanding (M)	76.35	76.35	76.35
(=) Excess Retained per Share	0.28	0.31	0.34
LTM Dividend per Share	0.09	0.09	0.09
(+) Excess Retained per Share	0.28	0.31	0.34
(=) Adjusted Dividend	0.37	0.40	0.42
WACC / Discount Rate	9.54%	9.54%	9.54%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$9.57	$14.04	$22.31
Upside / Downside	253.13%	417.98%	723.12%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	35.01	37.28	39.71	42.29	45.04	47.97	49.40
Payout Ratio	19.25%	33.40%	47.55%	61.70%	75.85%	90.00%	92.50%
Projected Dividends (M)	6.74	12.45	18.88	26.09	34.16	43.17	45.70

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.54%	9.54%	9.54%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	11.26	11.37	11.47
Year 2 PV (M)	15.44	15.73	16.03
Year 3 PV (M)	19.30	19.85	20.41
Year 4 PV (M)	22.84	23.72	24.63
Year 5 PV (M)	26.11	27.37	28.68
PV of Terminal Value (M)	422.31	442.71	463.89
Equity Value (M)	517.26	540.75	565.11
Shares Outstanding (M)	76.35	76.35	76.35
Fair Value	$6.77	$7.08	$7.40
Upside / Downside	149.99%	161.35%	173.12%

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Helios Underwriting plc (HUW.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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