DDM Analysis: EFK.WA

Valuation Snapshot

Stable Growth	$29.07 - $45.46	$36.61
Multi-Stage	$62.51 - $68.93	$65.65
Blended Fair Value	$51.13
Current Price	$5.50
Upside	829.69%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	23.83%	-7.77%	0.10	0.00	0.00	0.05	0.00	0.03	0.34	0.31	0.27	0.24
YoY Growth	-	-	0.00%	0.00%	-100.00%	0.00%	-100.00%	-90.03%	10.78%	12.50%	14.29%	7.69%
Dividend Yield	-	-	1.56%	0.00%	0.00%	0.76%	0.00%	1.32%	3.78%	5.54%	2.54%	3.10%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	15.04
(-) Cash Dividends Paid (M)	0.49
(=) Cash Retained (M)	14.54

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	3.01	1.88	1.13
Cash Retained (M)	14.54	14.54	14.54
(-) Cash Required (M)	-3.01	-1.88	-1.13
(=) Excess Retained (M)	11.54	12.66	13.42
(/) Shares Outstanding (M)	5.00	5.00	5.00
(=) Excess Retained per Share	2.31	2.53	2.69
LTM Dividend per Share	0.10	0.10	0.10
(+) Excess Retained per Share	2.31	2.53	2.69
(=) Adjusted Dividend	2.41	2.63	2.78
WACC / Discount Rate	6.42%	6.42%	6.42%
Growth Rate	-1.72%	-0.72%	0.28%
Fair Value	$29.07	$36.61	$45.46
Upside / Downside	428.49%	565.69%	726.57%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	15.04	14.93	14.82	14.72	14.61	14.51	14.94
Payout Ratio	3.27%	20.62%	37.96%	55.31%	72.65%	90.00%	92.50%
Projected Dividends (M)	0.49	3.08	5.63	8.14	10.61	13.05	13.82

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.42%	6.42%	6.42%
Growth Rate	-1.72%	-0.72%	0.28%
Year 1 PV (M)	2.86	2.89	2.92
Year 2 PV (M)	4.87	4.97	5.07
Year 3 PV (M)	6.55	6.75	6.96
Year 4 PV (M)	7.95	8.27	8.61
Year 5 PV (M)	9.09	9.56	10.05
PV of Terminal Value (M)	280.98	295.57	310.76
Equity Value (M)	312.30	328.02	344.37
Shares Outstanding (M)	5.00	5.00	5.00
Fair Value	$62.51	$65.65	$68.93
Upside / Downside	1,036.49%	1,093.70%	1,153.21%

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Korporacja Gospodarcza Efekt S.A. (EFK.WA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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