DDM Analysis: FIBI.TA

Valuation Snapshot

Stable Growth	$529.59 - $1,337.63	$797.47
Multi-Stage	$374.45 - $408.70	$391.27
Blended Fair Value	$594.37
Current Price	$243.70
Upside	143.89%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	19.26%	13.25%	9.86	7.95	9.42	5.43	1.25	4.09	3.54	3.09	1.99	1.30
YoY Growth	-	-	23.93%	-15.56%	73.39%	336.00%	-69.51%	15.49%	14.52%	55.00%	53.85%	-54.39%
Dividend Yield	-	-	5.27%	5.15%	7.45%	3.93%	1.34%	4.71%	4.09%	3.48%	2.68%	2.46%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	2,360.00
(-) Cash Dividends Paid (M)	932.00
(=) Cash Retained (M)	1,428.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	472.00	295.00	177.00
Cash Retained (M)	1,428.00	1,428.00	1,428.00
(-) Cash Required (M)	-472.00	-295.00	-177.00
(=) Excess Retained (M)	956.00	1,133.00	1,251.00
(/) Shares Outstanding (M)	100.34	100.34	100.34
(=) Excess Retained per Share	9.53	11.29	12.47
LTM Dividend per Share	9.29	9.29	9.29
(+) Excess Retained per Share	9.53	11.29	12.47
(=) Adjusted Dividend	18.82	20.58	21.76
WACC / Discount Rate	9.25%	9.25%	9.25%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$529.59	$797.47	$1,337.63
Upside / Downside	117.31%	227.23%	448.89%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	2,360.00	2,513.40	2,676.77	2,850.76	3,036.06	3,233.40	3,330.41
Payout Ratio	39.49%	49.59%	59.69%	69.80%	79.90%	90.00%	92.50%
Projected Dividends (M)	932.00	1,246.48	1,597.90	1,989.73	2,425.76	2,910.06	3,080.63

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.25%	9.25%	9.25%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	1,130.24	1,140.95	1,151.67
Year 2 PV (M)	1,313.78	1,338.81	1,364.07
Year 3 PV (M)	1,483.40	1,525.98	1,569.37
Year 4 PV (M)	1,639.83	1,702.89	1,767.75
Year 5 PV (M)	1,783.77	1,869.93	1,959.38
PV of Terminal Value (M)	30,220.42	31,680.07	33,195.60
Equity Value (M)	37,571.43	39,258.63	41,007.84
Shares Outstanding (M)	100.34	100.34	100.34
Fair Value	$374.45	$391.27	$408.70
Upside / Downside	53.65%	60.55%	67.71%

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First International Bank of Israel Ltd (FIBI.TA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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