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Home insurance rates up by 76% in some states

Over the last 6 years, home insurance rates have increased by up to 76% in some states. Between inflation, costlier repairs, and extreme weather, premiums are climbing fast – but that doesn’t mean you have to overpay. Many homeowners are saving hundreds a year by switching providers. Check out Money’s home insurance tool to compare companies and see if you can save.

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Ross Stores, Inc DCF Stock Analysis.

Here’s my assumptions:

Risk Free Rate (10 Years Interest Rate Swap): 3.93%

Risk Premium (Taken from the Aswath Damodaran equity premium spreadsheet): 4.33%

Interest Rate Spread on The Risk free rate ( For the cost of debt calculation): 3%

Historical Data

Revenue growth in the last 10 years (CAGR): 5.87%

Earnings growth in the last 10 years (CAGR): 7.43%

Unlevered Free Cash Flow growth in the last 10 years (CAGR): 3.33%

Future Assumptions

End of Year FCF growth: 2%

Growth until end of 2026: 3%

Growth until end of 2034: 3%

Perpetual growth: 2.5%

Net Debt: 1.221B

Restricted Stock Units Present Value Assumption: $0.660B

Stock Valuation based on these assumptions: $89

Last update 11/02/2025

All the content in this newsletter should be taken as informational content only. THIS IS NOT FINANCIAL ADVICE! Do your own Due Diligence before investing or contact a professional financial advisor.

I don’t have a position in Ross Stores (ROST) and I don’t plan to add a position in the coming days.