DDM Analysis: 000526.SZ

Valuation Snapshot

Stable Growth	$15.80 - $24.29	$19.75
Multi-Stage	$34.34 - $37.82	$36.05
Blended Fair Value	$27.90
Current Price	$44.77
Upside	-37.68%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-6.86%	0.00%	0.43	0.19	0.31	0.50	0.50	0.62	0.58	0.60	0.06	0.00
YoY Growth	-	-	123.80%	-37.71%	-37.22%	-1.51%	-18.68%	6.28%	-2.98%	915.97%	0.00%	0.00%
Dividend Yield	-	-	0.91%	0.32%	1.70%	2.88%	1.32%	1.56%	2.10%	2.13%	0.16%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	235.07
(-) Cash Dividends Paid (M)	63.64
(=) Cash Retained (M)	171.43

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	47.01	29.38	17.63
Cash Retained (M)	171.43	171.43	171.43
(-) Cash Required (M)	-47.01	-29.38	-17.63
(=) Excess Retained (M)	124.42	142.05	153.80
(/) Shares Outstanding (M)	135.51	135.51	135.51
(=) Excess Retained per Share	0.92	1.05	1.14
LTM Dividend per Share	0.47	0.47	0.47
(+) Excess Retained per Share	0.92	1.05	1.14
(=) Adjusted Dividend	1.39	1.52	1.60
WACC / Discount Rate	6.61%	6.61%	6.61%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$15.80	$19.75	$24.29
Upside / Downside	-64.70%	-55.87%	-45.75%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	235.07	232.72	230.39	228.09	225.81	223.55	230.26
Payout Ratio	27.07%	39.66%	52.24%	64.83%	77.41%	90.00%	92.50%
Projected Dividends (M)	63.64	92.29	120.36	147.87	174.81	201.20	212.99

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.61%	6.61%	6.61%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	85.70	86.57	87.44
Year 2 PV (M)	103.78	105.91	108.06
Year 3 PV (M)	118.38	122.04	125.78
Year 4 PV (M)	129.95	135.34	140.89
Year 5 PV (M)	138.88	146.11	153.64
PV of Terminal Value (M)	4,076.32	4,288.58	4,509.60
Equity Value (M)	4,653.01	4,884.56	5,125.42
Shares Outstanding (M)	135.51	135.51	135.51
Fair Value	$34.34	$36.05	$37.82
Upside / Downside	-23.30%	-19.49%	-15.52%

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Xueda (Xiamen) Education Technology Group Co., Ltd. (000526.SZ)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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