DDM Analysis: FNTL.L

Valuation Snapshot

Stable Growth	$0.87 - $1.26	$1.06
Multi-Stage	$1.49 - $1.62	$1.55
Blended Fair Value	$1.31
Current Price	$2.50
Upside	-47.76%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	4.76%	0.00%	0.04	0.03	0.03	0.04	0.03	0.03	0.01	0.01	0.01	0.00
YoY Growth	-	-	5.71%	6.06%	-13.16%	37.78%	-5.97%	291.07%	-6.83%	-34.34%	7,111.76%	0.00%
Dividend Yield	-	-	1.32%	1.33%	1.52%	1.59%	1.47%	1.15%	0.48%	0.49%	0.74%	0.01%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	12.10
(-) Cash Dividends Paid (M)	10.50
(=) Cash Retained (M)	1.60

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.42	1.51	0.91
Cash Retained (M)	1.60	1.60	1.60
(-) Cash Required (M)	-2.42	-1.51	-0.91
(=) Excess Retained (M)	-0.82	0.09	0.69
(/) Shares Outstanding (M)	104.18	104.18	104.18
(=) Excess Retained per Share	-0.01	0.00	0.01
LTM Dividend per Share	0.10	0.10	0.10
(+) Excess Retained per Share	-0.01	0.00	0.01
(=) Adjusted Dividend	0.09	0.10	0.11
WACC / Discount Rate	9.03%	9.03%	9.03%
Growth Rate	-1.52%	-0.52%	0.48%
Fair Value	$0.87	$1.06	$1.26
Upside / Downside	-65.32%	-57.67%	-49.52%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	12.10	12.04	11.97	11.91	11.85	11.79	12.14
Payout Ratio	86.78%	87.42%	88.07%	88.71%	89.36%	90.00%	92.50%
Projected Dividends (M)	10.50	10.52	10.55	10.57	10.59	10.61	11.23

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.03%	9.03%	9.03%
Growth Rate	-1.52%	-0.52%	0.48%
Year 1 PV (M)	9.55	9.65	9.75
Year 2 PV (M)	8.69	8.87	9.05
Year 3 PV (M)	7.91	8.15	8.40
Year 4 PV (M)	7.20	7.49	7.80
Year 5 PV (M)	6.55	6.89	7.24
PV of Terminal Value (M)	114.89	120.84	127.04
Equity Value (M)	154.79	161.89	169.28
Shares Outstanding (M)	104.18	104.18	104.18
Fair Value	$1.49	$1.55	$1.62
Upside / Downside	-40.57%	-37.84%	-35.01%

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Fintel Plc (FNTL.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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