DDM Analysis: OMASP.HE

Valuation Snapshot

Stable Growth	$77.15 - $278.40	$245.47
Multi-Stage	$35.06 - $38.37	$36.68
Blended Fair Value	$141.08
Current Price	$11.46
Upside	1,131.02%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	51.38%	0.00%	0.98	0.39	0.44	0.38	0.00	0.12	0.06	0.05	0.04	0.02
YoY Growth	-	-	149.73%	-11.59%	18.20%	0.00%	-100.00%	97.35%	34.01%	6.63%	113.28%	0.00%
Dividend Yield	-	-	11.27%	1.91%	2.27%	2.08%	0.00%	2.06%	0.83%	0.65%	0.61%	0.29%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	47.30
(-) Cash Dividends Paid (M)	11.94
(=) Cash Retained (M)	35.36

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	9.46	5.91	3.55
Cash Retained (M)	35.36	35.36	35.36
(-) Cash Required (M)	-9.46	-5.91	-3.55
(=) Excess Retained (M)	25.90	29.45	31.81
(/) Shares Outstanding (M)	33.79	33.79	33.79
(=) Excess Retained per Share	0.77	0.87	0.94
LTM Dividend per Share	0.35	0.35	0.35
(+) Excess Retained per Share	0.77	0.87	0.94
(=) Adjusted Dividend	1.12	1.22	1.29
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$77.15	$245.47	$278.40
Upside / Downside	573.21%	2,041.97%	2,329.36%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	47.30	50.37	53.64	57.13	60.84	64.80	66.74
Payout Ratio	25.24%	38.19%	51.14%	64.09%	77.05%	90.00%	92.50%
Projected Dividends (M)	11.94	19.24	27.43	36.62	46.88	58.32	61.74

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	17.80	17.97	18.14
Year 2 PV (M)	23.50	23.95	24.40
Year 3 PV (M)	29.03	29.86	30.71
Year 4 PV (M)	34.40	35.72	37.08
Year 5 PV (M)	39.61	41.52	43.51
PV of Terminal Value (M)	1,040.04	1,090.27	1,142.43
Equity Value (M)	1,184.38	1,239.30	1,296.27
Shares Outstanding (M)	33.79	33.79	33.79
Fair Value	$35.06	$36.68	$38.37
Upside / Downside	205.90%	220.08%	234.80%

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Oma Säästöpankki Oyj (OMASP.HE)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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