Definitive Analysis

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Definitive Analysis

Financial Statements

Company Industry Sector

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Margins Returns Growth Rates Metrics/Ratios

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Projections DCF DDM EPV Multiples Valuations

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United Insurance Holdings Corp. (UIHC)

Company Dividend Discount ModelIndustry: Insurance - Property & CasualtySector: Financial Services

Valuation Snapshot

Stable Growth	$55.91 - $79.95	$67.70
Multi-Stage	$79.29 - $87.13	$83.13
Blended Fair Value	$75.41
Current Price	$7.70
Upside	879.40%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	18.58%	21.87%	0.49	0.00	0.05	0.21	0.21	0.21	0.21	0.18	0.10	0.09
YoY Growth	-	-	0.00%	-100.00%	-74.99%	0.36%	0.32%	0.12%	14.20%	80.76%	15.62%	28.96%
Dividend Yield	-	-	6.31%	0.00%	1.85%	6.30%	2.88%	2.24%	1.26%	0.95%	0.63%	0.45%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	402.09
(-) Cash Dividends Paid (M)	24.10
(=) Cash Retained (M)	377.98

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	80.42	50.26	30.16
Cash Retained (M)	377.98	377.98	377.98
(-) Cash Required (M)	-80.42	-50.26	-30.16
(=) Excess Retained (M)	297.57	327.72	347.83
(/) Shares Outstanding (M)	49.62	49.62	49.62
(=) Excess Retained per Share	6.00	6.60	7.01
LTM Dividend per Share	0.49	0.49	0.49
(+) Excess Retained per Share	6.00	6.60	7.01
(=) Adjusted Dividend	6.48	7.09	7.50
WACC / Discount Rate	10.00%	10.00%	10.00%
Growth Rate	-1.43%	-0.43%	0.57%
Fair Value	$55.91	$67.70	$79.95
Upside / Downside	626.12%	779.18%	938.32%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	402.09	400.36	398.64	396.94	395.23	393.54	405.35
Payout Ratio	5.99%	22.80%	39.60%	56.40%	73.20%	90.00%	92.50%
Projected Dividends (M)	24.10	91.26	157.85	223.86	289.31	354.19	374.94

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	10.00%	10.00%	10.00%
Growth Rate	-1.43%	-0.43%	0.57%
Year 1 PV (M)	82.13	82.97	83.80
Year 2 PV (M)	127.85	130.45	133.09
Year 3 PV (M)	163.17	168.19	173.31
Year 4 PV (M)	189.78	197.60	205.66
Year 5 PV (M)	209.10	219.92	231.19
PV of Terminal Value (M)	3,162.19	3,325.87	3,496.27
Equity Value (M)	3,934.22	4,125.01	4,323.32
Shares Outstanding (M)	49.62	49.62	49.62
Fair Value	$79.29	$83.13	$87.13
Upside / Downside	929.69%	979.63%	1,031.53%

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