DDM Analysis: STC

Valuation Snapshot

Stable Growth	$71.27 - $159.90	$103.20
Multi-Stage	$62.42 - $68.17	$65.24
Blended Fair Value	$84.22
Current Price	$73.32
Upside	14.87%
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	13.72%	36.89%	1.90	1.78	1.58	1.29	1.07	1.00	1.00	0.99	0.98	0.64
YoY Growth	-	-	6.72%	13.10%	21.93%	21.21%	6.64%	0.29%	0.45%	1.06%	54.58%	671.64%
Dividend Yield	-	-	2.66%	2.78%	3.90%	2.13%	2.05%	3.75%	2.27%	2.26%	2.22%	1.75%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	102.00
(-) Cash Dividends Paid (M)	55.65
(=) Cash Retained (M)	46.35

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	20.40	12.75	7.65
Cash Retained (M)	46.35	46.35	46.35
(-) Cash Required (M)	-20.40	-12.75	-7.65
(=) Excess Retained (M)	25.95	33.60	38.70
(/) Shares Outstanding (M)	28.36	28.36	28.36
(=) Excess Retained per Share	0.92	1.18	1.36
LTM Dividend per Share	1.96	1.96	1.96
(+) Excess Retained per Share	0.92	1.18	1.36
(=) Adjusted Dividend	2.88	3.15	3.33
WACC / Discount Rate	8.58%	8.58%	8.58%
Growth Rate	4.37%	5.37%	6.37%
Fair Value	$71.27	$103.20	$159.90
Upside / Downside	-2.79%	40.75%	118.08%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	102.00	107.47	113.24	119.32	125.72	132.47	136.44
Payout Ratio	54.56%	61.65%	68.73%	75.82%	82.91%	90.00%	92.50%
Projected Dividends (M)	55.65	66.25	77.84	90.47	104.24	119.22	126.21

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.58%	8.58%	8.58%
Growth Rate	4.37%	5.37%	6.37%
Year 1 PV (M)	60.44	61.02	61.60
Year 2 PV (M)	64.77	66.02	67.28
Year 3 PV (M)	68.68	70.67	72.71
Year 4 PV (M)	72.19	74.99	77.88
Year 5 PV (M)	75.32	79.00	82.82
PV of Terminal Value (M)	1,428.96	1,498.74	1,571.22
Equity Value (M)	1,770.36	1,850.44	1,933.50
Shares Outstanding (M)	28.36	28.36	28.36
Fair Value	$62.42	$65.24	$68.17
Upside / Downside	-14.86%	-11.01%	-7.02%

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Stewart Information Services Corporation (STC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener