DDM Analysis: UVE

Valuation Snapshot

Stable Growth	$167.10 - $839.88	$347.35
Multi-Stage	$98.05 - $107.38	$102.63
Blended Fair Value	$224.99
Current Price	$26.30
Upside	755.48%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-3.09%	1.49%	0.77	0.81	0.82	0.84	0.85	0.90	0.88	0.83	0.84	0.77
YoY Growth	-	-	-4.14%	-2.08%	-1.72%	-1.45%	-5.97%	2.34%	6.28%	-0.79%	8.55%	15.84%
Dividend Yield	-	-	3.26%	4.05%	4.52%	6.21%	5.93%	5.05%	2.76%	2.61%	3.42%	4.34%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	122.38
(-) Cash Dividends Paid (M)	17.50
(=) Cash Retained (M)	104.88

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	24.48	15.30	9.18
Cash Retained (M)	104.88	104.88	104.88
(-) Cash Required (M)	-24.48	-15.30	-9.18
(=) Excess Retained (M)	80.40	89.58	95.70
(/) Shares Outstanding (M)	28.87	28.87	28.87
(=) Excess Retained per Share	2.78	3.10	3.31
LTM Dividend per Share	0.61	0.61	0.61
(+) Excess Retained per Share	2.78	3.10	3.31
(=) Adjusted Dividend	3.39	3.71	3.92
WACC / Discount Rate	7.23%	7.23%	7.23%
Growth Rate	5.10%	6.10%	7.10%
Fair Value	$167.10	$347.35	$839.88
Upside / Downside	535.35%	1,220.72%	3,093.46%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	122.38	129.85	137.77	146.18	155.10	164.56	169.50
Payout Ratio	14.30%	29.44%	44.58%	59.72%	74.86%	90.00%	92.50%
Projected Dividends (M)	17.50	38.23	61.42	87.30	116.11	148.10	156.78

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.23%	7.23%	7.23%
Growth Rate	5.10%	6.10%	7.10%
Year 1 PV (M)	35.31	35.65	35.99
Year 2 PV (M)	52.41	53.41	54.42
Year 3 PV (M)	68.81	70.79	72.81
Year 4 PV (M)	84.54	87.80	91.16
Year 5 PV (M)	99.62	104.45	109.46
PV of Terminal Value (M)	2,490.21	2,610.95	2,736.33
Equity Value (M)	2,830.90	2,963.05	3,100.17
Shares Outstanding (M)	28.87	28.87	28.87
Fair Value	$98.05	$102.63	$107.38
Upside / Downside	272.83%	290.23%	308.29%

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Universal Insurance Holdings, Inc. (UVE)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener