DDM Analysis: QGO.BO

Valuation Snapshot

Stable Growth	$741.21 - $873.27	$818.38
Multi-Stage	$265.68 - $291.50	$278.35
Blended Fair Value	$548.36
Current Price	$41.24
Upside	1,229.69%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	0.00%	0.00%	0.60	0.50	0.40	0.20	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	19.98%	25.00%	100.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.18%	0.87%	0.80%	0.87%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	30.50
(-) Cash Dividends Paid (M)	1.04
(=) Cash Retained (M)	29.46

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	6.10	3.81	2.29
Cash Retained (M)	29.46	29.46	29.46
(-) Cash Required (M)	-6.10	-3.81	-2.29
(=) Excess Retained (M)	23.36	25.65	27.17
(/) Shares Outstanding (M)	6.95	6.95	6.95
(=) Excess Retained per Share	3.36	3.69	3.91
LTM Dividend per Share	0.15	0.15	0.15
(+) Excess Retained per Share	3.36	3.69	3.91
(=) Adjusted Dividend	3.51	3.84	4.06
WACC / Discount Rate	4.72%	4.72%	4.72%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$741.21	$818.38	$873.27
Upside / Downside	1,697.30%	1,884.43%	2,017.52%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	30.50	32.48	34.59	36.84	39.24	41.79	43.04
Payout Ratio	3.42%	20.73%	38.05%	55.37%	72.68%	90.00%	92.50%
Projected Dividends (M)	1.04	6.73	13.16	20.40	28.52	37.61	39.81

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	4.72%	4.72%	4.72%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	6.37	6.43	6.49
Year 2 PV (M)	11.78	12.00	12.23
Year 3 PV (M)	17.27	17.77	18.27
Year 4 PV (M)	22.84	23.72	24.62
Year 5 PV (M)	28.50	29.87	31.30
PV of Terminal Value (M)	1,758.74	1,843.68	1,931.88
Equity Value (M)	1,845.49	1,933.48	2,024.80
Shares Outstanding (M)	6.95	6.95	6.95
Fair Value	$265.68	$278.35	$291.50
Upside / Downside	544.24%	574.95%	606.83%

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Qgo Finance Ltd. (QGO.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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