DDM Analysis: VMUK.L

Valuation Snapshot

Stable Growth	$82.36 - $97.03	$90.93
Multi-Stage	$23.15 - $25.37	$24.24
Blended Fair Value	$57.59
Current Price	$2.16
Upside	2,565.98%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
DPS	75.07%	0.00%	0.11	0.04	0.06	0.06	0.03	0.01	0.03	0.03	0.01	0.00
YoY Growth	-	-	196.00%	-36.71%	0.00%	75.56%	400.00%	-75.00%	2.86%	94.44%	0.00%	0.00%
Dividend Yield	-	-	6.41%	2.93%	2.82%	7.87%	2.85%	0.20%	0.86%	0.96%	0.68%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	671.00
(-) Cash Dividends Paid (M)	320.00
(=) Cash Retained (M)	351.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	134.20	83.88	50.33
Cash Retained (M)	351.00	351.00	351.00
(-) Cash Required (M)	-134.20	-83.88	-50.33
(=) Excess Retained (M)	216.80	267.13	300.68
(/) Shares Outstanding (M)	1,375.29	1,375.29	1,375.29
(=) Excess Retained per Share	0.16	0.19	0.22
LTM Dividend per Share	0.23	0.23	0.23
(+) Excess Retained per Share	0.16	0.19	0.22
(=) Adjusted Dividend	0.39	0.43	0.45
WACC / Discount Rate	5.21%	5.21%	5.21%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$82.36	$90.93	$97.03
Upside / Downside	3,712.82%	4,109.80%	4,392.14%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	671.00	714.62	761.06	810.53	863.22	919.33	946.91
Payout Ratio	47.69%	56.15%	64.61%	73.08%	81.54%	90.00%	92.50%
Projected Dividends (M)	320.00	401.27	491.75	592.31	703.85	827.40	875.89

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.21%	5.21%	5.21%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	377.83	381.41	384.99
Year 2 PV (M)	435.97	444.28	452.66
Year 3 PV (M)	494.44	508.64	523.10
Year 4 PV (M)	553.23	574.51	596.39
Year 5 PV (M)	612.34	641.92	672.63
PV of Terminal Value (M)	29,366.34	30,784.75	32,257.44
Equity Value (M)	31,840.16	33,335.50	34,887.21
Shares Outstanding (M)	1,375.29	1,375.29	1,375.29
Fair Value	$23.15	$24.24	$25.37
Upside / Downside	971.83%	1,022.17%	1,074.40%

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Virgin Money UK PLC (VMUK.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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