DDM Analysis: YU.L

Valuation Snapshot

Stable Growth	$38.37 - $84.87	$55.28
Multi-Stage	$27.98 - $30.55	$29.24
Blended Fair Value	$42.26
Current Price	$16.90
Upside	150.06%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	117.07%	0.00%	0.52	0.06	0.00	0.00	0.00	0.01	0.03	0.02	0.00	0.00
YoY Growth	-	-	838.02%	0.00%	0.00%	0.00%	-100.00%	-58.15%	47.47%	0.00%	0.00%	0.00%
Dividend Yield	-	-	3.36%	0.30%	0.00%	0.00%	0.00%	0.02%	0.03%	0.17%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	35.34
(-) Cash Dividends Paid (M)	10.07
(=) Cash Retained (M)	25.26

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	7.07	4.42	2.65
Cash Retained (M)	25.26	25.26	25.26
(-) Cash Required (M)	-7.07	-4.42	-2.65
(=) Excess Retained (M)	18.20	20.85	22.61
(/) Shares Outstanding (M)	18.17	18.17	18.17
(=) Excess Retained per Share	1.00	1.15	1.24
LTM Dividend per Share	0.55	0.55	0.55
(+) Excess Retained per Share	1.00	1.15	1.24
(=) Adjusted Dividend	1.56	1.70	1.80
WACC / Discount Rate	9.78%	9.78%	9.78%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$38.37	$55.28	$84.87
Upside / Downside	127.03%	227.11%	402.20%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	35.34	37.63	40.08	42.68	45.46	48.41	49.87
Payout Ratio	28.51%	40.81%	53.10%	65.40%	77.70%	90.00%	92.50%
Projected Dividends (M)	10.07	15.36	21.28	27.92	35.32	43.57	46.13

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.78%	9.78%	9.78%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	13.86	13.99	14.12
Year 2 PV (M)	17.33	17.66	17.99
Year 3 PV (M)	20.51	21.10	21.70
Year 4 PV (M)	23.42	24.32	25.25
Year 5 PV (M)	26.07	27.33	28.64
PV of Terminal Value (M)	407.09	426.75	447.17
Equity Value (M)	508.28	531.15	554.86
Shares Outstanding (M)	18.17	18.17	18.17
Fair Value	$27.98	$29.24	$30.55
Upside / Downside	65.56%	73.02%	80.74%

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Yü Group PLC (YU.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener