DDM Analysis: DSCT.TA

Valuation Snapshot

Stable Growth	$139.01 - $682.42	$295.14
Multi-Stage	$74.78 - $81.82	$78.24
Blended Fair Value	$186.69
Current Price	$33.56
Upside	456.29%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	35.23%	0.00%	0.91	0.83	0.49	0.11	0.04	0.20	0.09	0.00	0.00	0.00
YoY Growth	-	-	10.12%	69.69%	328.47%	193.88%	-80.78%	116.10%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	3.55%	4.26%	2.78%	0.57%	0.28%	1.92%	0.73%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4,337.00
(-) Cash Dividends Paid (M)	969.00
(=) Cash Retained (M)	3,368.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	867.40	542.13	325.28
Cash Retained (M)	3,368.00	3,368.00	3,368.00
(-) Cash Required (M)	-867.40	-542.13	-325.28
(=) Excess Retained (M)	2,500.60	2,825.88	3,042.73
(/) Shares Outstanding (M)	1,263.92	1,263.92	1,263.92
(=) Excess Retained per Share	1.98	2.24	2.41
LTM Dividend per Share	0.77	0.77	0.77
(+) Excess Retained per Share	1.98	2.24	2.41
(=) Adjusted Dividend	2.75	3.00	3.17
WACC / Discount Rate	7.58%	7.58%	7.58%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$139.01	$295.14	$682.42
Upside / Downside	314.20%	779.44%	1,933.42%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4,337.00	4,618.91	4,919.13	5,238.88	5,579.40	5,942.07	6,120.33
Payout Ratio	22.34%	35.87%	49.41%	62.94%	76.47%	90.00%	92.50%
Projected Dividends (M)	969.00	1,656.99	2,430.33	3,297.20	4,266.49	5,347.86	5,661.30

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.58%	7.58%	7.58%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	1,525.73	1,540.19	1,554.65
Year 2 PV (M)	2,060.53	2,099.78	2,139.40
Year 3 PV (M)	2,574.05	2,647.94	2,723.24
Year 4 PV (M)	3,066.91	3,184.85	3,306.17
Year 5 PV (M)	3,539.71	3,710.68	3,888.19
PV of Terminal Value (M)	81,754.97	85,703.76	89,803.69
Equity Value (M)	94,521.89	98,887.20	103,415.33
Shares Outstanding (M)	1,263.92	1,263.92	1,263.92
Fair Value	$74.78	$78.24	$81.82
Upside / Downside	122.84%	133.13%	143.81%

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Financial Statements

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Israel Discount Bank Limited (DSCT.TA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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