DDM Analysis: 9549.SR

Valuation Snapshot

Stable Growth	$15.80 - $24.55	$19.84
Multi-Stage	$36.30 - $40.00	$38.12
Blended Fair Value	$28.98
Current Price	$35.50
Upside	-18.37%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017
DPS	0.00%	0.00%	0.50	0.50	0.99	1.07	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	0.00%	-50.00%	-6.85%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.13%	1.13%	2.12%	1.67%	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)	5.72
(-) Cash Dividends Paid (M)	1.70
(=) Cash Retained (M)	4.02

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.14	0.72	0.43
Cash Retained (M)	4.02	4.02	4.02
(-) Cash Required (M)	-1.14	-0.72	-0.43
(=) Excess Retained (M)	2.88	3.31	3.59
(/) Shares Outstanding (M)	3.42	3.42	3.42
(=) Excess Retained per Share	0.84	0.97	1.05
LTM Dividend per Share	0.50	0.50	0.50
(+) Excess Retained per Share	0.84	0.97	1.05
(=) Adjusted Dividend	1.34	1.47	1.55
WACC / Discount Rate	6.31%	6.31%	6.31%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$15.80	$19.84	$24.55
Upside / Downside	-55.50%	-44.11%	-30.86%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	5.72	5.67	5.61	5.55	5.50	5.44	5.61
Payout Ratio	29.71%	41.76%	53.82%	65.88%	77.94%	90.00%	92.50%
Projected Dividends (M)	1.70	2.37	3.02	3.66	4.28	4.90	5.19

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.31%	6.31%	6.31%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	2.20	2.23	2.25
Year 2 PV (M)	2.62	2.67	2.73
Year 3 PV (M)	2.95	3.04	3.14
Year 4 PV (M)	3.22	3.35	3.49
Year 5 PV (M)	3.43	3.61	3.79
PV of Terminal Value (M)	109.66	115.37	121.32
Equity Value (M)	124.08	130.27	136.71
Shares Outstanding (M)	3.42	3.42	3.42
Fair Value	$36.30	$38.12	$40.00
Upside / Downside	2.27%	7.37%	12.68%

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Abdulaziz and Mansour Ibrahim Albabtin Co. (9549.SR)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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