DDM Analysis: 7TEC.BO

Valuation Snapshot

Stable Growth	$57.75 - $125.37	$82.67
Multi-Stage	$72.24 - $79.19	$75.65
Blended Fair Value	$79.16
Current Price	$47.74
Upside	65.81%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	4.47%	-1.24%	1.50	2.00	2.00	2.00	1.00	1.20	1.20	1.49	0.00	2.40
YoY Growth	-	-	-25.00%	0.00%	0.00%	100.00%	-17.05%	0.00%	-18.94%	0.00%	-100.00%	41.60%
Dividend Yield	-	-	3.36%	3.60%	4.76%	5.68%	3.44%	7.97%	7.37%	6.10%	0.00%	11.82%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	33.58
(-) Cash Dividends Paid (M)	16.32
(=) Cash Retained (M)	17.26

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	6.72	4.20	2.52
Cash Retained (M)	17.26	17.26	17.26
(-) Cash Required (M)	-6.72	-4.20	-2.52
(=) Excess Retained (M)	10.55	13.06	14.74
(/) Shares Outstanding (M)	10.89	10.89	10.89
(=) Excess Retained per Share	0.97	1.20	1.35
LTM Dividend per Share	1.50	1.50	1.50
(+) Excess Retained per Share	0.97	1.20	1.35
(=) Adjusted Dividend	2.47	2.70	2.85
WACC / Discount Rate	6.82%	6.82%	6.82%
Growth Rate	2.45%	3.45%	4.45%
Fair Value	$57.75	$82.67	$125.37
Upside / Downside	20.96%	73.16%	162.60%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	33.58	34.74	35.94	37.17	38.46	39.78	40.97
Payout Ratio	48.59%	56.88%	65.16%	73.44%	81.72%	90.00%	92.50%
Projected Dividends (M)	16.32	19.76	23.41	27.30	31.43	35.80	37.90

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.82%	6.82%	6.82%
Growth Rate	2.45%	3.45%	4.45%
Year 1 PV (M)	18.32	18.50	18.67
Year 2 PV (M)	20.12	20.52	20.92
Year 3 PV (M)	21.75	22.40	23.05
Year 4 PV (M)	23.21	24.13	25.08
Year 5 PV (M)	24.52	25.74	27.01
PV of Terminal Value (M)	678.81	712.60	747.71
Equity Value (M)	786.74	823.88	862.44
Shares Outstanding (M)	10.89	10.89	10.89
Fair Value	$72.24	$75.65	$79.19
Upside / Downside	51.32%	58.47%	65.88%

High-Yield Dividend Screener

US Stocks Global Stocks

« Prev Page 13 of 30 Next »

Ticker ⇵	Company ⇵	Dividend Yield % ▼	Dividend Per Share ⇵	Payout Ratio % ⇵
CL	Colgate-Palmolive Company	2.88%	$2.24	62.40%
TCBK	TriCo Bancshares	2.87%	$1.35	37.83%
0U6R.L	Bunge Limited	2.86%	$3.05	31.37%
FBMS	The First Bancshares, Inc.	2.86%	$0.97	39.72%
RILYG	B. Riley Financial, Inc. 5.00% Senior Notes due 2026	2.86%	$0.58	56.91%
CNS	Cohen & Steers, Inc.	2.85%	$1.81	56.91%
MRBK	Meridian Corporation	2.85%	$0.49	27.85%
AMGN	Amgen Inc.	2.84%	$9.31	72.03%
BKH	Black Hills Corporation	2.84%	$1.98	50.60%
GABC	German American Bancorp, Inc.	2.84%	$1.11	40.35%
HOMB	Home Bancshares, Inc.	2.84%	$0.79	34.17%
KO	The Coca-Cola Company	2.84%	$1.96	65.04%
SBFG	SB Financial Group, Inc.	2.84%	$0.61	28.02%
TSBK	Timberland Bancorp, Inc.	2.84%	$1.00	27.24%
CATY	Cathay General Bancorp	2.83%	$1.38	31.20%
CWT	California Water Service Group	2.83%	$1.22	53.25%
EBIX	Ebix, Inc.	2.83%	$0.08	46.85%
CMS-PB	Consumers Energy Company	2.82%	$2.17	62.27%
EPRT	Essential Properties Realty Trust, Inc.	2.82%	$0.85	70.58%
GPK	Graphic Packaging Holding Company	2.82%	$0.43	24.85%
VALSX	Value Line Select Growth Fund	2.82%	$0.87	56.29%
CCNE	CNB Financial Corporation	2.81%	$0.72	35.05%
ORRF	Orrstown Financial Services, Inc.	2.81%	$0.98	26.05%
TXNM	TXNM Energy, Inc.	2.80%	$1.65	86.75%
STC	Stewart Information Services Corporation	2.79%	$1.95	54.56%
CVLY	Codorus Valley Bancorp, Inc.	2.77%	$0.67	28.98%
KKRS	KKR Group Finance Co. IX LLC 4.	2.77%	$0.49	7.61%
SHBI	Shore Bancshares, Inc.	2.77%	$0.48	28.28%
HNNA	Hennessy Advisors, Inc.	2.76%	$0.27	21.11%
HONE	HarborOne Bancorp, Inc.	2.76%	$0.33	51.05%
KMT	Kennametal Inc.	2.76%	$0.80	65.12%
PNM	PNM Resources, Inc.	2.76%	$1.12	57.65%
HWC	Hancock Whitney Corporation	2.75%	$1.77	31.35%
YOU	Clear Secure, Inc.	2.75%	$0.95	50.89%
0HE2.L	Ameren Corporation	2.74%	$2.78	53.51%
MTDR	Matador Resources Company	2.74%	$1.19	18.96%
OFG	OFG Bancorp	2.74%	$1.12	25.13%
VLO	Valero Energy Corporation	2.74%	$4.53	93.65%
YORW	The York Water Company	2.73%	$0.87	62.37%
CCZ	Comcast Holdings Corp.	2.72%	$1.63	26.92%
K	Kellanova	2.72%	$2.27	62.18%
ADT	ADT Inc.	2.71%	$0.22	29.95%
AVT	Avnet, Inc.	2.71%	$1.34	48.46%
BKU	BankUnited, Inc.	2.71%	$1.21	34.19%
CNOB	ConnectOne Bancorp, Inc.	2.71%	$0.71	48.64%
GBX	The Greenbrier Companies, Inc.	2.71%	$1.28	19.40%
PBHC	Pathfinder Bancorp, Inc.	2.71%	$0.38	26.39%
TRIN	Trinity Capital Inc.	2.71%	$0.41	20.50%
RILYN	B. Riley Financial, Inc. - 6.50	2.70%	$0.58	56.91%
0L5A.L	Sempra	2.69%	$2.41	72.79%

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Ticker

Industry

Sector

Saven Technologies Limited (7TEC.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener