DDM Analysis: RUSTOMJEE.BO

Valuation Snapshot

Stable Growth	$59.80 - $86.99	$72.97
Multi-Stage	$99.98 - $109.96	$104.87
Blended Fair Value	$88.92
Current Price	$612.45
Upside	-85.48%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019
DPS	0.00%	0.00%	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	0.00%	0.00%	0.00%	0.00%	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)	1,029.30
(-) Cash Dividends Paid (M)	189.00
(=) Cash Retained (M)	840.30

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	205.86	128.66	77.20
Cash Retained (M)	840.30	840.30	840.30
(-) Cash Required (M)	-205.86	-128.66	-77.20
(=) Excess Retained (M)	634.44	711.64	763.10
(/) Shares Outstanding (M)	127.48	127.48	127.48
(=) Excess Retained per Share	4.98	5.58	5.99
LTM Dividend per Share	1.48	1.48	1.48
(+) Excess Retained per Share	4.98	5.58	5.99
(=) Adjusted Dividend	6.46	7.07	7.47
WACC / Discount Rate	8.59%	8.59%	8.59%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$59.80	$72.97	$86.99
Upside / Downside	-90.24%	-88.09%	-85.80%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	1,029.30	1,019.01	1,008.82	998.73	988.74	978.85	1,008.22
Payout Ratio	18.36%	32.69%	47.02%	61.34%	75.67%	90.00%	92.50%
Projected Dividends (M)	189.00	333.11	474.32	612.67	748.20	880.97	932.60

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.59%	8.59%	8.59%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	303.67	306.77	309.87
Year 2 PV (M)	394.19	402.28	410.44
Year 3 PV (M)	464.17	478.53	493.17
Year 4 PV (M)	516.76	538.18	560.26
Year 5 PV (M)	554.69	583.57	613.65
PV of Terminal Value (M)	10,512.40	11,059.81	11,629.78
Equity Value (M)	12,745.89	13,369.13	14,017.17
Shares Outstanding (M)	127.48	127.48	127.48
Fair Value	$99.98	$104.87	$109.96
Upside / Downside	-83.67%	-82.88%	-82.05%

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Keystone Realtors Limited (RUSTOMJEE.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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