DDM Analysis: RUBFILA.BO

Valuation Snapshot

Stable Growth	$901.86 - $1,062.55	$995.76
Multi-Stage	$188.12 - $206.12	$196.95
Blended Fair Value	$596.36
Current Price	$85.87
Upside	594.49%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	2.73%	9.65%	1.20	1.20	1.75	1.30	1.09	1.05	1.00	0.72	0.48	0.60
YoY Growth	-	-	0.00%	-31.43%	34.61%	18.85%	4.28%	4.42%	39.73%	50.00%	-19.76%	25.00%
Dividend Yield	-	-	1.40%	1.47%	2.38%	1.66%	1.16%	3.00%	2.63%	1.11%	0.70%	1.64%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	290.02
(-) Cash Dividends Paid (M)	65.12
(=) Cash Retained (M)	224.89

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	58.00	36.25	21.75
Cash Retained (M)	224.89	224.89	224.89
(-) Cash Required (M)	-58.00	-36.25	-21.75
(=) Excess Retained (M)	166.89	188.64	203.14
(/) Shares Outstanding (M)	54.28	54.28	54.28
(=) Excess Retained per Share	3.07	3.48	3.74
LTM Dividend per Share	1.20	1.20	1.20
(+) Excess Retained per Share	3.07	3.48	3.74
(=) Adjusted Dividend	4.27	4.67	4.94
WACC / Discount Rate	5.91%	5.91%	5.91%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$901.86	$995.76	$1,062.55
Upside / Downside	950.26%	1,059.61%	1,137.39%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	290.02	308.87	328.94	350.32	373.09	397.35	409.27
Payout Ratio	22.45%	35.96%	49.47%	62.98%	76.49%	90.00%	92.50%
Projected Dividends (M)	65.12	111.08	162.74	220.64	285.38	357.61	378.57

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.91%	5.91%	5.91%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	103.90	104.88	105.86
Year 2 PV (M)	142.37	145.08	147.82
Year 3 PV (M)	180.54	185.72	191.00
Year 4 PV (M)	218.41	226.81	235.45
Year 5 PV (M)	255.99	268.36	281.19
PV of Terminal Value (M)	9,310.44	9,760.14	10,227.05
Equity Value (M)	10,211.65	10,690.99	11,188.38
Shares Outstanding (M)	54.28	54.28	54.28
Fair Value	$188.12	$196.95	$206.12
Upside / Downside	119.08%	129.36%	140.03%

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Rubfila International Limited (RUBFILA.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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