Definitive Analysis
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Definitive Analysis

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Sector

United Bankers Oyj (UNITED.HE)

Company Dividend Discount ModelIndustry: Asset ManagementSector: Financial Services

Valuation Snapshot

Stable Growth$57.56 - $124.32$82.24
Multi-Stage$43.74 - $47.67$45.67
Blended Fair Value$63.96
Current Price$17.05
Upside275.12%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS22.39%22.75%0.990.890.760.490.410.360.280.140.320.19
YoY Growth--12.11%16.52%56.58%18.29%13.48%29.04%99.74%-56.47%69.64%48.58%
Dividend Yield--5.58%6.07%5.59%3.42%3.84%4.11%3.90%2.06%4.27%1.94%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)32.80
(-) Cash Dividends Paid (M)17.68
(=) Cash Retained (M)15.11
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)6.564.102.46
Cash Retained (M)15.1115.1115.11
(-) Cash Required (M)-6.56-4.10-2.46
(=) Excess Retained (M)8.5611.0212.65
(/) Shares Outstanding (M)10.9310.9310.93
(=) Excess Retained per Share0.781.011.16
LTM Dividend per Share1.621.621.62
(+) Excess Retained per Share0.781.011.16
(=) Adjusted Dividend2.402.632.78
WACC / Discount Rate9.90%9.90%9.90%
Growth Rate5.50%6.50%7.50%
Fair Value$57.56$82.24$124.32
Upside / Downside237.58%382.35%629.16%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)32.8034.9337.2039.6142.1944.9346.28
Payout Ratio53.91%61.13%68.35%75.56%82.78%90.00%92.50%
Projected Dividends (M)17.6821.3525.4229.9334.9340.4442.81

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.90%9.90%9.90%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)19.2419.4319.61
Year 2 PV (M)20.6621.0521.45
Year 3 PV (M)21.9222.5523.19
Year 4 PV (M)23.0523.9424.85
Year 5 PV (M)24.0625.2226.43
PV of Terminal Value (M)369.15386.98405.49
Equity Value (M)478.09499.18521.03
Shares Outstanding (M)10.9310.9310.93
Fair Value$43.74$45.67$47.67
Upside / Downside156.57%167.88%179.61%

High-Yield Dividend Screener

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