DDM Analysis: CRLA.PA

Valuation Snapshot

Stable Growth	$577.29 - $2,679.26	$1,016.76
Multi-Stage	$433.93 - $475.69	$454.42
Blended Fair Value	$735.59
Current Price	$61.50
Upside	1,096.08%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	6.35%	3.14%	1.41	1.28	1.14	0.00	1.05	1.04	1.01	0.98	0.98	0.99
YoY Growth	-	-	9.94%	12.36%	0.00%	-100.00%	1.61%	2.86%	3.35%	-0.67%	-0.38%	-4.85%
Dividend Yield	-	-	2.55%	2.66%	2.41%	0.00%	1.74%	1.26%	1.35%	1.59%	1.75%	1.97%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	366.26
(-) Cash Dividends Paid (M)	27.90
(=) Cash Retained (M)	338.36

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	73.25	45.78	27.47
Cash Retained (M)	338.36	338.36	338.36
(-) Cash Required (M)	-73.25	-45.78	-27.47
(=) Excess Retained (M)	265.11	292.58	310.89
(/) Shares Outstanding (M)	19.76	19.76	19.76
(=) Excess Retained per Share	13.42	14.81	15.73
LTM Dividend per Share	1.41	1.41	1.41
(+) Excess Retained per Share	13.42	14.81	15.73
(=) Adjusted Dividend	14.83	16.22	17.15
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	4.35%	5.35%	6.35%
Fair Value	$577.29	$1,016.76	$2,679.26
Upside / Downside	838.68%	1,553.27%	4,256.52%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	366.26	385.87	406.53	428.30	451.23	475.38	489.65
Payout Ratio	7.62%	24.09%	40.57%	57.05%	73.52%	90.00%	92.50%
Projected Dividends (M)	27.90	92.97	164.93	244.33	331.76	427.85	452.92

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	4.35%	5.35%	6.35%
Year 1 PV (M)	86.04	86.86	87.69
Year 2 PV (M)	141.24	143.96	146.71
Year 3 PV (M)	193.63	199.25	204.98
Year 4 PV (M)	243.31	252.77	262.50
Year 5 PV (M)	290.38	304.56	319.29
PV of Terminal Value (M)	7,619.21	7,991.35	8,377.88
Equity Value (M)	8,573.81	8,978.75	9,399.05
Shares Outstanding (M)	19.76	19.76	19.76
Fair Value	$433.93	$454.42	$475.69
Upside / Downside	605.57%	638.89%	673.48%

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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%

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Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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