DDM Analysis: 6070.SR

Valuation Snapshot

Stable Growth	$71.24 - $238.43	$116.36
Multi-Stage	$74.48 - $81.68	$78.01
Blended Fair Value	$97.19
Current Price	$44.18
Upside	119.98%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-4.16%	3.81%	1.21	0.49	0.50	0.09	1.00	1.50	1.00	1.12	1.00	1.00
YoY Growth	-	-	146.13%	-1.68%	446.97%	-90.84%	-33.33%	49.90%	-10.39%	11.66%	0.00%	19.88%
Dividend Yield	-	-	2.51%	0.89%	0.97%	0.17%	1.22%	7.73%	4.35%	3.73%	3.21%	4.26%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	79.89
(-) Cash Dividends Paid (M)	29.41
(=) Cash Retained (M)	50.49

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	15.98	9.99	5.99
Cash Retained (M)	50.49	50.49	50.49
(-) Cash Required (M)	-15.98	-9.99	-5.99
(=) Excess Retained (M)	34.51	40.50	44.49
(/) Shares Outstanding (M)	30.00	30.00	30.00
(=) Excess Retained per Share	1.15	1.35	1.48
LTM Dividend per Share	0.98	0.98	0.98
(+) Excess Retained per Share	1.15	1.35	1.48
(=) Adjusted Dividend	2.13	2.33	2.46
WACC / Discount Rate	6.31%	6.31%	6.31%
Growth Rate	3.22%	4.22%	5.22%
Fair Value	$71.24	$116.36	$238.43
Upside / Downside	61.24%	163.38%	439.67%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	79.89	83.27	86.78	90.45	94.26	98.24	101.19
Payout Ratio	36.81%	47.45%	58.08%	68.72%	79.36%	90.00%	92.50%
Projected Dividends (M)	29.41	39.51	50.41	62.16	74.81	88.42	93.60

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.31%	6.31%	6.31%
Growth Rate	3.22%	4.22%	5.22%
Year 1 PV (M)	36.81	37.16	37.52
Year 2 PV (M)	43.75	44.60	45.46
Year 3 PV (M)	50.26	51.73	53.24
Year 4 PV (M)	56.35	58.57	60.85
Year 5 PV (M)	62.05	65.12	68.30
PV of Terminal Value (M)	1,985.19	2,083.23	2,185.11
Equity Value (M)	2,234.41	2,340.42	2,450.48
Shares Outstanding (M)	30.00	30.00	30.00
Fair Value	$74.48	$78.01	$81.68
Upside / Downside	68.58%	76.58%	84.89%

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Al-Jouf Agricultural Development Co. (6070.SR)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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