DDM Analysis: CLD.WA

Valuation Snapshot

Stable Growth	$10.44 - $15.52	$12.86
Multi-Stage	$20.83 - $22.83	$21.81
Blended Fair Value	$17.33
Current Price	$47.60
Upside	-63.59%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	0.00%	0.00%	1.19	0.97	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	22.64%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	2.80%	1.28%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	6.10
(-) Cash Dividends Paid (M)	5.63
(=) Cash Retained (M)	0.47

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.22	0.76	0.46
Cash Retained (M)	0.47	0.47	0.47
(-) Cash Required (M)	-1.22	-0.76	-0.46
(=) Excess Retained (M)	-0.75	-0.29	0.01
(/) Shares Outstanding (M)	4.73	4.73	4.73
(=) Excess Retained per Share	-0.16	-0.06	0.00
LTM Dividend per Share	1.19	1.19	1.19
(+) Excess Retained per Share	-0.16	-0.06	0.00
(=) Adjusted Dividend	1.03	1.13	1.19
WACC / Discount Rate	7.68%	7.68%	7.68%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$10.44	$12.86	$15.52
Upside / Downside	-78.08%	-72.99%	-67.40%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	6.10	6.04	5.98	5.92	5.86	5.80	5.98
Payout Ratio	92.28%	91.83%	91.37%	90.91%	90.46%	90.00%	92.50%
Projected Dividends (M)	5.63	5.55	5.46	5.38	5.30	5.22	5.53

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.68%	7.68%	7.68%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	5.10	5.15	5.20
Year 2 PV (M)	4.62	4.71	4.81
Year 3 PV (M)	4.18	4.31	4.44
Year 4 PV (M)	3.79	3.94	4.10
Year 5 PV (M)	3.43	3.61	3.79
PV of Terminal Value (M)	77.47	81.50	85.70
Equity Value (M)	98.58	103.22	108.05
Shares Outstanding (M)	4.73	4.73	4.73
Fair Value	$20.83	$21.81	$22.83
Upside / Downside	-56.25%	-54.19%	-52.05%

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Cloud Technologies S.A. (CLD.WA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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