DDM Analysis: 4290.SR

Valuation Snapshot

Stable Growth	$5.31 - $10.48	$7.34
Multi-Stage	$5.96 - $6.54	$6.24
Blended Fair Value	$6.79
Current Price	$25.50
Upside	-73.37%
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	0.00%	0.00%	0.00	0.08	0.04	0.17	0.17	0.00	0.31	0.31	0.62	0.43
YoY Growth	-	-	-100.00%	97.01%	-75.32%	0.00%	0.00%	-100.00%	0.00%	-50.00%	42.86%	-6.67%
Dividend Yield	-	-	0.00%	0.31%	0.26%	0.93%	0.69%	0.00%	2.24%	1.79%	3.65%	1.66%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	20.83
(-) Cash Dividends Paid (M)	0.77
(=) Cash Retained (M)	20.07

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	4.17	2.60	1.56
Cash Retained (M)	20.07	20.07	20.07
(-) Cash Required (M)	-4.17	-2.60	-1.56
(=) Excess Retained (M)	15.90	17.46	18.51
(/) Shares Outstanding (M)	65.00	65.00	65.00
(=) Excess Retained per Share	0.24	0.27	0.28
LTM Dividend per Share	0.01	0.01	0.01
(+) Excess Retained per Share	0.24	0.27	0.28
(=) Adjusted Dividend	0.26	0.28	0.30
WACC / Discount Rate	7.63%	7.63%	7.63%
Growth Rate	2.67%	3.67%	4.67%
Fair Value	$5.31	$7.34	$10.48
Upside / Downside	-79.19%	-71.22%	-58.91%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	20.83	21.60	22.39	23.21	24.06	24.95	25.69
Payout Ratio	3.67%	20.94%	38.20%	55.47%	72.73%	90.00%	92.50%
Projected Dividends (M)	0.77	4.52	8.55	12.88	17.50	22.45	23.77

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.63%	7.63%	7.63%
Growth Rate	2.67%	3.67%	4.67%
Year 1 PV (M)	4.16	4.20	4.24
Year 2 PV (M)	7.24	7.38	7.53
Year 3 PV (M)	10.03	10.33	10.63
Year 4 PV (M)	12.55	13.04	13.55
Year 5 PV (M)	14.81	15.54	16.31
PV of Terminal Value (M)	338.59	355.40	372.88
Equity Value (M)	387.38	405.90	425.14
Shares Outstanding (M)	65.00	65.00	65.00
Fair Value	$5.96	$6.24	$6.54
Upside / Downside	-76.63%	-75.51%	-74.35%

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Al Khaleej Training and Education Company (4290.SR)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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