DDM Analysis: 0HA8.L

Valuation Snapshot

Stable Growth	$17.01 - $27.43	$21.71
Multi-Stage	$50.48 - $55.64	$53.01
Blended Fair Value	$37.36
Current Price	$83.30
Upside	-55.15%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-0.11%	-0.06%	0.96	0.10	0.68	0.97	0.96	0.96	0.48	0.96	0.96	0.96
YoY Growth	-	-	864.88%	-85.37%	-29.67%	0.17%	0.00%	100.00%	-50.00%	0.00%	0.00%	-0.06%
Dividend Yield	-	-	1.15%	0.21%	1.48%	1.82%	2.28%	2.78%	1.09%	1.97%	2.19%	2.84%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	97.72
(-) Cash Dividends Paid (M)	57.91
(=) Cash Retained (M)	39.81

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	19.54	12.21	7.33
Cash Retained (M)	39.81	39.81	39.81
(-) Cash Required (M)	-19.54	-12.21	-7.33
(=) Excess Retained (M)	20.27	27.60	32.48
(/) Shares Outstanding (M)	60.32	60.32	60.32
(=) Excess Retained per Share	0.34	0.46	0.54
LTM Dividend per Share	0.96	0.96	0.96
(+) Excess Retained per Share	0.34	0.46	0.54
(=) Adjusted Dividend	1.30	1.42	1.50
WACC / Discount Rate	5.35%	5.35%	5.35%
Growth Rate	-2.11%	-1.11%	-0.11%
Fair Value	$17.01	$21.71	$27.43
Upside / Downside	-79.58%	-73.94%	-67.07%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	97.72	96.64	95.57	94.51	93.47	92.43	95.21
Payout Ratio	59.26%	65.41%	71.56%	77.70%	83.85%	90.00%	92.50%
Projected Dividends (M)	57.91	63.21	68.38	73.44	78.37	83.19	88.07

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.35%	5.35%	5.35%
Growth Rate	-2.11%	-1.11%	-0.11%
Year 1 PV (M)	59.39	60.00	60.60
Year 2 PV (M)	60.37	61.61	62.87
Year 3 PV (M)	60.92	62.81	64.73
Year 4 PV (M)	61.09	63.62	66.23
Year 5 PV (M)	60.93	64.10	67.41
PV of Terminal Value (M)	2,742.55	2,885.52	3,034.39
Equity Value (M)	3,045.25	3,197.66	3,356.24
Shares Outstanding (M)	60.32	60.32	60.32
Fair Value	$50.48	$53.01	$55.64
Upside / Downside	-39.39%	-36.36%	-33.20%

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MVBF	MVB Financial Corp.	2.65%	$0.68	27.31%
PPG	PPG Industries, Inc.	2.65%	$2.76	62.85%
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0M2A.L	Adeia Inc.	2.63%	$0.35	53.29%
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FRAF	Franklin Financial Services Corporation	2.63%	$1.28	36.88%
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VHI	Valhi, Inc.	2.63%	$0.32	49.46%
FHI	Federated Hermes, Inc.	2.62%	$1.37	27.23%
MKC	McCormick & Company, Incorporated	2.62%	$1.76	61.04%
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BAH	Booz Allen Hamilton Holding Corporation	2.61%	$2.22	33.15%
GILD	Gilead Sciences, Inc.	2.61%	$3.18	49.10%
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FANG	Diamondback Energy, Inc.	2.56%	$3.90	26.98%
JEF	Jefferies Financial Group Inc.	2.56%	$1.63	49.77%
UNH	UnitedHealth Group Incorporated	2.56%	$8.60	44.61%
DOX	Amdocs Limited	2.55%	$2.04	39.68%
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TGNA	TEGNA Inc.	2.55%	$0.49	23.26%
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HIMYX	Pioneer High Income Municipal Fund Class Y	2.51%	$0.14	81.31%
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FMBH	First Mid Bancshares, Inc.	2.50%	$0.96	26.52%

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Corporación Financiera Alba, S.A. (0HA8.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener