DDM Analysis: CRBP2.PA

Valuation Snapshot

Stable Growth	$118.47 - $208.83	$156.83
Multi-Stage	$383.54 - $423.39	$403.07
Blended Fair Value	$279.95
Current Price	$22.04
Upside	1,170.19%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	17.83%	-1.10%	0.83	0.75	0.00	0.00	0.77	0.37	0.76	0.97	0.95	0.93
YoY Growth	-	-	11.14%	0.00%	0.00%	-100.00%	110.49%	-51.83%	-21.35%	1.53%	2.34%	0.12%
Dividend Yield	-	-	4.46%	4.30%	0.00%	0.00%	3.48%	1.20%	2.99%	3.66%	4.08%	4.02%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	423.24
(-) Cash Dividends Paid (M)	0.02
(=) Cash Retained (M)	423.23

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	84.65	52.91	31.74
Cash Retained (M)	423.23	423.23	423.23
(-) Cash Required (M)	-84.65	-52.91	-31.74
(=) Excess Retained (M)	338.58	370.32	391.48
(/) Shares Outstanding (M)	46.66	46.66	46.66
(=) Excess Retained per Share	7.26	7.94	8.39
LTM Dividend per Share	0.00	0.00	0.00
(+) Excess Retained per Share	7.26	7.94	8.39
(=) Adjusted Dividend	7.26	7.94	8.39
WACC / Discount Rate	4.76%	4.76%	4.76%
Growth Rate	-1.28%	-0.28%	0.72%
Fair Value	$118.47	$156.83	$208.83
Upside / Downside	437.53%	611.56%	847.51%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	423.24	422.05	420.86	419.67	418.49	417.31	429.83
Payout Ratio	0.00%	18.00%	36.00%	54.00%	72.00%	90.00%	92.50%
Projected Dividends (M)	0.02	75.98	151.52	226.63	301.31	375.58	397.59

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	4.76%	4.76%	4.76%
Growth Rate	-1.28%	-0.28%	0.72%
Year 1 PV (M)	71.80	72.52	73.25
Year 2 PV (M)	135.29	138.05	140.83
Year 3 PV (M)	191.22	197.09	203.08
Year 4 PV (M)	240.24	250.13	260.31
Year 5 PV (M)	282.97	297.59	312.82
PV of Terminal Value (M)	16,973.97	17,851.28	18,764.50
Equity Value (M)	17,895.49	18,806.66	19,754.79
Shares Outstanding (M)	46.66	46.66	46.66
Fair Value	$383.54	$403.07	$423.39
Upside / Downside	1,640.21%	1,728.82%	1,821.01%

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Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative (CRBP2.PA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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