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UDR Investor Presentation

STRONG, LIQUID, FLEXIBLE BALANCE SHEET Sector-leading weighted average interest rate and robust liquidity (~$1 billion) plus strong, and improving, leverage metrics support growth opportunities and reduce risk. Investment Grade BBB+ S&P Unsecured Rating Baa1 Moody's Unsecured Rating 3.25% Sector-best weighted average interest rate Strong Leverage Metrics 28.6% Consolidated debt-to-enterprise value(1) 5.7x Consolidated net debt-to-EBITDAre as of 1Q 2023 5.2x Consolidated fixed charge coverage ratio as of 1Q 2023 Well Laddered Maturity Schedule 6.3 years Average debt duration (2) 19.0% Sector-low percentage of debt maturing over next 4 years (2) 88.8% of NOI unencumbered Forward Debt Maturity Schedule ($M/Weighted Average Interest Rate) $406 5.1% $126 $175 $353 $653 $462 $492 $762 $761 4.2% 3.7% 3.0% 3.7% 3.7% 3.9% 3.3% 2.9% $427 2.2% $950 2.4% $1,000 $800 Only 5% of consolidated debt outstanding matures through 2025, excluding Commercial Paper, (2) Working Capital Facility, and principal amortization. $600 $400 $200 $0 2023 2024 2025 2026 Unsecured Debt 2027 2028 2029 2030 2031 2032 Thereafter Secured Debt Line of Credit/Working Capital (1) (2) Consolidated debt-to-Enterprise Value is calculated using the Company's Enterprise Value as of March 31, 2023. 2023 maturities reflect $405.0 million of principal outstanding at an interest rate of 5.1%, an equivalent of SOFR plus a spread of 38 basis points, on the Company's unsecured commercial paper program as of March 31, 2023. Under the terms of the program the Company 14 may issue up to a maximum aggregate amount outstanding of $700.0 million. If the commercial paper was refinanced using the line of credit, the weighted average years to maturity would be 6.5 years without extensions and 6.6 years with extensions. Source: Company and peer documents.
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