Definitive Analysis
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Definitive Analysis

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St. Galler Kantonalbank AG (0QQZ.L)

Company Dividend Discount ModelIndustry: BanksSector: Financial Services

Valuation Snapshot

Stable Growth$653.84 - $1,006.02$817.78
Multi-Stage$1,409.67 - $1,553.98$1,480.40
Blended Fair Value$1,149.09
Current Price$482.00
Upside138.40%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS-4.22%0.00%12.0117.0117.0116.0116.0214.9016.2913.9613.9613.96
YoY Growth---29.41%0.00%6.26%-0.08%7.52%-8.52%16.66%0.01%0.00%0.00%
Dividend Yield--2.75%3.46%3.54%3.68%3.86%3.31%3.55%2.90%3.54%3.88%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)427.95
(-) Cash Dividends Paid (M)50.89
(=) Cash Retained (M)377.06
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)85.5953.4932.10
Cash Retained (M)377.06377.06377.06
(-) Cash Required (M)-85.59-53.49-32.10
(=) Excess Retained (M)291.47323.56344.96
(/) Shares Outstanding (M)5.985.985.98
(=) Excess Retained per Share48.7254.0857.66
LTM Dividend per Share8.518.518.51
(+) Excess Retained per Share48.7254.0857.66
(=) Adjusted Dividend57.2362.5966.17
WACC / Discount Rate6.58%6.58%6.58%
Growth Rate-2.00%-1.00%0.00%
Fair Value$653.84$817.78$1,006.02
Upside / Downside35.65%69.66%108.72%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)427.95423.67419.44415.24411.09406.98419.19
Payout Ratio11.89%27.51%43.14%58.76%74.38%90.00%92.50%
Projected Dividends (M)50.89116.57180.93243.98305.76366.28387.75

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.58%6.58%6.58%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)108.27109.38110.48
Year 2 PV (M)156.08159.28162.52
Year 3 PV (M)195.50201.54207.71
Year 4 PV (M)227.56236.99246.71
Year 5 PV (M)253.19266.38280.10
PV of Terminal Value (M)7,493.047,883.228,289.48
Equity Value (M)8,433.648,856.789,297.01
Shares Outstanding (M)5.985.985.98
Fair Value$1,409.67$1,480.40$1,553.98
Upside / Downside192.46%207.14%222.40%

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