DDM Analysis: 000560.SZ

Valuation Snapshot

Stable Growth	$0.43 - $0.66	$0.53
Multi-Stage	$1.00 - $1.10	$1.04
Blended Fair Value	$0.79
Current Price	$3.05
Upside	-74.13%
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	-21.22%	-1.12%	0.05	0.06	0.08	0.10	0.17	0.17	0.08	0.04	0.02	0.03
YoY Growth	-	-	-19.18%	-20.39%	-18.11%	-43.13%	1.24%	118.44%	78.70%	90.66%	-16.23%	-52.77%
Dividend Yield	-	-	1.70%	2.93%	2.57%	2.53%	4.59%	5.06%	0.99%	0.71%	0.26%	0.34%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	107.25
(-) Cash Dividends Paid (M)	87.09
(=) Cash Retained (M)	20.16

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	21.45	13.41	8.04
Cash Retained (M)	20.16	20.16	20.16
(-) Cash Required (M)	-21.45	-13.41	-8.04
(=) Excess Retained (M)	-1.29	6.76	12.12
(/) Shares Outstanding (M)	2,347.25	2,347.25	2,347.25
(=) Excess Retained per Share	0.00	0.00	0.01
LTM Dividend per Share	0.04	0.04	0.04
(+) Excess Retained per Share	0.00	0.00	0.01
(=) Adjusted Dividend	0.04	0.04	0.04
WACC / Discount Rate	6.42%	6.42%	6.42%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$0.43	$0.53	$0.66
Upside / Downside	-86.06%	-82.52%	-78.43%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	107.25	106.18	105.12	104.07	103.03	102.00	105.06
Payout Ratio	81.20%	82.96%	84.72%	86.48%	88.24%	90.00%	92.50%
Projected Dividends (M)	87.09	88.09	89.06	90.00	90.91	91.80	97.18

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.42%	6.42%	6.42%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	81.93	82.77	83.61
Year 2 PV (M)	77.05	78.63	80.23
Year 3 PV (M)	72.42	74.66	76.95
Year 4 PV (M)	68.05	70.87	73.77
Year 5 PV (M)	63.91	67.24	70.70
PV of Terminal Value (M)	1,975.70	2,078.58	2,185.70
Equity Value (M)	2,339.06	2,452.75	2,570.96
Shares Outstanding (M)	2,347.25	2,347.25	2,347.25
Fair Value	$1.00	$1.04	$1.10
Upside / Downside	-67.33%	-65.74%	-64.09%

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5i5j Holding Group Co., Ltd. (000560.SZ)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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