DDM Analysis: 0U96.L

Valuation Snapshot

Stable Growth	$728.21 - $2,590.53	$2,381.42
Multi-Stage	$337.18 - $368.53	$352.57
Blended Fair Value	$1,367.00
Current Price	$350.23
Upside	290.31%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	7.35%	8.63%	7.88	6.80	6.02	5.83	5.88	5.53	5.10	4.89	4.61	4.13
YoY Growth	-	-	15.97%	12.94%	3.24%	-0.80%	6.26%	8.37%	4.33%	6.07%	11.58%	20.01%
Dividend Yield	-	-	2.17%	1.71%	1.68%	1.93%	2.37%	2.87%	2.35%	1.90%	1.97%	2.09%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	552.00
(-) Cash Dividends Paid (M)	338.00
(=) Cash Retained (M)	214.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	110.40	69.00	41.40
Cash Retained (M)	214.00	214.00	214.00
(-) Cash Required (M)	-110.40	-69.00	-41.40
(=) Excess Retained (M)	103.60	145.00	172.60
(/) Shares Outstanding (M)	42.38	42.38	42.38
(=) Excess Retained per Share	2.44	3.42	4.07
LTM Dividend per Share	7.98	7.98	7.98
(+) Excess Retained per Share	2.44	3.42	4.07
(=) Adjusted Dividend	10.42	11.40	12.05
WACC / Discount Rate	7.01%	7.01%	7.01%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$728.21	$2,381.42	$2,590.53
Upside / Downside	107.92%	579.96%	639.67%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	552.00	587.88	626.09	666.79	710.13	756.29	778.98
Payout Ratio	61.23%	66.99%	72.74%	78.49%	84.25%	90.00%	92.50%
Projected Dividends (M)	338.00	393.79	455.41	523.38	598.26	680.66	720.55

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.01%	7.01%	7.01%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	364.54	368.00	371.45
Year 2 PV (M)	390.27	397.70	405.21
Year 3 PV (M)	415.20	427.12	439.26
Year 4 PV (M)	439.35	456.24	473.62
Year 5 PV (M)	462.73	485.08	508.29
PV of Terminal Value (M)	12,216.60	12,806.67	13,419.32
Equity Value (M)	14,288.69	14,940.81	15,617.15
Shares Outstanding (M)	42.38	42.38	42.38
Fair Value	$337.18	$352.57	$368.53
Upside / Downside	-3.73%	0.67%	5.22%

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Everest Re Group, Ltd. (0U96.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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