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Assurant, Inc. (0HIN.L)

Company Dividend Discount ModelIndustry: Insurance - SpecialtySector: Financial Services

Valuation Snapshot

Stable Growth$341.99 - $819.04$506.23
Multi-Stage$421.21 - $462.44$441.43
Blended Fair Value$473.83
Current Price$216.60
Upside118.76%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.59%7.24%3.022.952.913.052.992.932.592.302.431.82
YoY Growth--2.36%1.40%-4.70%1.94%2.11%13.15%12.44%-5.06%33.11%21.51%
Dividend Yield--1.44%1.57%2.42%1.68%2.11%2.81%2.69%2.52%2.54%2.36%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)848.80
(-) Cash Dividends Paid (M)165.30
(=) Cash Retained (M)683.50
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)169.76106.1063.66
Cash Retained (M)683.50683.50683.50
(-) Cash Required (M)-169.76-106.10-63.66
(=) Excess Retained (M)513.74577.40619.84
(/) Shares Outstanding (M)51.6751.6751.67
(=) Excess Retained per Share9.9411.1711.99
LTM Dividend per Share3.203.203.20
(+) Excess Retained per Share9.9411.1711.99
(=) Adjusted Dividend13.1414.3715.19
WACC / Discount Rate6.44%6.44%6.44%
Growth Rate2.50%3.50%4.50%
Fair Value$341.99$506.23$819.04
Upside / Downside57.89%133.71%278.13%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)848.80878.53909.31941.16974.131,008.251,038.50
Payout Ratio19.47%33.58%47.68%61.79%75.89%90.00%92.50%
Projected Dividends (M)165.30295.01433.60581.54739.31907.42960.61

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.44%6.44%6.44%
Growth Rate2.50%3.50%4.50%
Year 1 PV (M)274.48277.16279.83
Year 2 PV (M)375.35382.71390.14
Year 3 PV (M)468.38482.22496.33
Year 4 PV (M)554.01575.95598.53
Year 5 PV (M)632.66664.13696.84
PV of Terminal Value (M)19,460.9220,428.9121,435.04
Equity Value (M)21,765.8022,811.0823,896.72
Shares Outstanding (M)51.6751.6751.67
Fair Value$421.21$441.43$462.44
Upside / Downside94.46%103.80%113.50%

High-Yield Dividend Screener

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