DDM Analysis: RDOR3.SA

Valuation Snapshot

Stable Growth	$127.70 - $399.63	$374.51
Multi-Stage	$53.66 - $58.71	$56.14
Blended Fair Value	$215.32
Current Price	$42.08
Upside	411.70%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	155.01%	19.73%	0.62	0.38	0.32	1.39	0.01	0.01	0.57	0.44	0.06	0.00
YoY Growth	-	-	62.64%	21.94%	-77.33%	9,406.35%	152.27%	-98.99%	29.60%	679.63%	1,335.40%	-96.18%
Dividend Yield	-	-	2.22%	1.56%	1.55%	2.95%	0.02%	0.01%	0.99%	0.77%	0.10%	0.01%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4,441.00
(-) Cash Dividends Paid (M)	1,694.28
(=) Cash Retained (M)	2,746.72

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	888.20	555.12	333.07
Cash Retained (M)	2,746.72	2,746.72	2,746.72
(-) Cash Required (M)	-888.20	-555.12	-333.07
(=) Excess Retained (M)	1,858.52	2,191.59	2,413.64
(/) Shares Outstanding (M)	2,210.06	2,210.06	2,210.06
(=) Excess Retained per Share	0.84	0.99	1.09
LTM Dividend per Share	0.77	0.77	0.77
(+) Excess Retained per Share	0.84	0.99	1.09
(=) Adjusted Dividend	1.61	1.76	1.86
WACC / Discount Rate	6.83%	6.83%	6.83%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$127.70	$374.51	$399.63
Upside / Downside	203.46%	790.00%	849.69%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4,441.00	4,729.66	5,037.09	5,364.50	5,713.20	6,084.55	6,267.09
Payout Ratio	38.15%	48.52%	58.89%	69.26%	79.63%	90.00%	92.50%
Projected Dividends (M)	1,694.28	2,294.87	2,966.37	3,715.47	4,549.43	5,476.10	5,797.06

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.83%	6.83%	6.83%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2,128.01	2,148.19	2,168.36
Year 2 PV (M)	2,550.70	2,599.29	2,648.33
Year 3 PV (M)	2,962.55	3,047.60	3,134.25
Year 4 PV (M)	3,363.77	3,493.13	3,626.18
Year 5 PV (M)	3,754.55	3,935.89	4,124.18
PV of Terminal Value (M)	103,826.18	108,841.02	114,047.80
Equity Value (M)	118,585.76	124,065.11	129,749.09
Shares Outstanding (M)	2,210.06	2,210.06	2,210.06
Fair Value	$53.66	$56.14	$58.71
Upside / Downside	27.51%	33.40%	39.52%

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Rede D'Or São Luiz S.A. (RDOR3.SA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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