DDM Analysis: U13.SI

Valuation Snapshot

Stable Growth	$1.99 - $2.72	$2.36
Multi-Stage	$5.43 - $6.00	$5.71
Blended Fair Value	$4.04
Current Price	$7.90
Upside	-48.90%
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	4.32%	3.42%	0.21	0.21	0.25	0.21	0.17	0.17	0.23	0.15	0.15	0.15
YoY Growth	-	-	0.00%	-16.00%	19.05%	23.53%	0.00%	-24.45%	49.99%	0.00%	0.00%	0.00%
Dividend Yield	-	-	2.68%	3.50%	3.91%	3.05%	2.36%	2.62%	3.13%	1.96%	2.83%	3.11%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	24.25
(-) Cash Dividends Paid (M)	11.62
(=) Cash Retained (M)	12.63

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	4.85	3.03	1.82
Cash Retained (M)	12.63	12.63	12.63
(-) Cash Required (M)	-4.85	-3.03	-1.82
(=) Excess Retained (M)	7.78	9.60	10.81
(/) Shares Outstanding (M)	61.16	61.16	61.16
(=) Excess Retained per Share	0.13	0.16	0.18
LTM Dividend per Share	0.19	0.19	0.19
(+) Excess Retained per Share	0.13	0.16	0.18
(=) Adjusted Dividend	0.32	0.35	0.37
WACC / Discount Rate	7.00%	7.00%	7.00%
Growth Rate	-7.71%	-6.71%	-5.71%
Fair Value	$1.99	$2.36	$2.72
Upside / Downside	-74.80%	-70.11%	-65.55%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	24.25	22.62	21.11	19.69	18.37	17.13	17.65
Payout Ratio	47.92%	56.33%	64.75%	73.17%	81.58%	90.00%	92.50%
Projected Dividends (M)	11.62	12.74	13.67	14.41	14.98	15.42	16.33

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.00%	7.00%	7.00%
Growth Rate	-7.71%	-6.71%	-5.71%
Year 1 PV (M)	11.78	11.91	12.04
Year 2 PV (M)	11.68	11.94	12.19
Year 3 PV (M)	11.39	11.76	12.14
Year 4 PV (M)	10.95	11.43	11.93
Year 5 PV (M)	10.42	11.00	11.60
PV of Terminal Value (M)	275.99	291.27	307.22
Equity Value (M)	332.21	349.31	367.12
Shares Outstanding (M)	61.16	61.16	61.16
Fair Value	$5.43	$5.71	$6.00
Upside / Downside	-31.24%	-27.70%	-24.01%

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Ticker ⇵	Company ⇵	Dividend Yield % ▼	Dividend Per Share ⇵	Payout Ratio % ⇵
TC.BK	Tropical Canning (Thailand) Public Company Limited	6.05%	$0.30	42.33%
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0R40.L	Rai Way S.p.A.	6.03%	$0.33	99.60%
3600.HK	Modern Dental Group Limited	6.03%	$0.32	34.31%
003460.KS	Yuhwa Securities co.,ltd.	6.02%	$162.45	83.00%
298540.KQ	The Nature Holdings Co., Ltd.	6.02%	$521.44	76.58%
6263.TWO	Planet Technology Corporation	6.02%	$7.86	95.87%
NZX.NZ	NZX Limited	6.02%	$0.09	77.46%
WLMM3.SA	WLM Participações e Comércio de Máquinas e Veículos S.A.	6.02%	$1.23	40.06%
1760.HK	Intron Technology Holdings Limited	6.01%	$0.12	30.56%
5209.KL	Gas Malaysia Berhad	6.01%	$0.26	82.61%
ALLAN.PA	Lanson-BCC	6.01%	$1.96	26.09%
QAMC.QA	Qatar Aluminium Manufacturing Company Q.P.S.C.	6.00%	$0.10	74.36%
0237.HK	Safety Godown Company, Limited	5.99%	$0.12	71.07%
8986.T	Daiwa Securities Living Investment Corporation	5.99%	$6,829.90	63.32%
ASX.AX	ASX Limited	5.99%	$3.08	67.16%
MKP.TO	MCAN Mortgage Corporation	5.99%	$1.35	74.01%
0QMU.L	Compagnie Financière Richemont S.A.	5.98%	$6.91	67.79%
8924.TWO	O-TA Precision Industry Co., Ltd.	5.98%	$4.29	80.38%
FMTY14.MX	Fibra Mty, S.A.P.I. de C.V.	5.98%	$0.93	46.45%
HUMAN.BK	Humanica Public Company Limited	5.98%	$0.30	74.76%
603368.SS	Guangxi LiuYao Group Co., Ltd	5.97%	$1.06	53.83%
6069.HK	SY Holdings Group Limited	5.97%	$0.67	97.72%
ASII.JK	PT Astra International Tbk	5.97%	$405.75	50.28%
PXT.TO	Parex Resources Inc.	5.97%	$1.12	86.22%
SB	Safe Bulkers, Inc.	5.97%	$0.29	64.01%
1562.KL	Sports Toto Berhad	5.96%	$0.08	49.23%
8442.TW	WW Holding Inc.	5.96%	$4.19	72.79%
NTV.BK	Nonthavej Hospital Public Company Limited	5.96%	$1.37	66.11%
WLE.AX	WAM Leaders Limited	5.96%	$0.08	8.04%
094280.KS	Hyosung ITX Co. Ltd.	5.95%	$751.76	70.97%
O3P.DE	Österreichische Post AG	5.95%	$1.88	98.14%
PWO.DE	PWO AG	5.95%	$1.75	48.89%
0898.HK	Multifield International Holdings Limited	5.94%	$0.06	9.32%
1155.KL	Malayan Banking Berhad	5.94%	$0.62	72.18%
PORT3.SA	Wilson Sons S.A.	5.94%	$1.11	73.49%
009680.KS	Motonic Corporation	5.93%	$599.08	42.49%
3010.SR	Arabian Cement Company	5.93%	$1.29	91.83%
PGW.NZ	PGG Wrightson Limited	5.93%	$0.13	70.38%
0GX2.L	Neurones S.A.	5.92%	$2.49	61.25%
4012.SR	Thob Al Aseel Company	5.92%	$0.20	89.05%
9585.SR	Mulkia Investment Co.	5.92%	$2.01	37.97%
HEN.DE	Henkel AG & Co. KGaA	5.92%	$3.87	41.88%
KKP.BK	Kiatnakin Phatra Bank Public Company Limited	5.92%	$4.02	63.80%
030000.KS	Cheil Worldwide Inc.	5.91%	$1,232.93	68.46%
0RCW.L	Kid ASA	5.91%	$8.00	99.60%
ARSA.ME	Arsagera Asset Management	5.91%	$0.50	52.65%
DBM.TO	Doman Building Materials Group Ltd.	5.91%	$0.56	65.99%
DU.AE	Emirates Integrated Telecommunications Company PJSC	5.91%	$0.58	95.05%
NXR-UN.TO	Nexus Industrial REIT	5.91%	$0.47	57.77%

Financial Statements

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United Overseas Insurance Limited (U13.SI)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener