DDM Analysis: 0QLK.L

Valuation Snapshot

Stable Growth	$5,613.25 - $8,771.27	$7,067.66
Multi-Stage	$10,571.24 - $11,634.53	$11,092.50
Blended Fair Value	$9,080.08
Current Price	$4,120.00
Upside	120.39%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	0.00%	0.87%	120.25	115.24	115.24	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	4.35%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-100.00%
Dividend Yield	-	-	2.92%	2.85%	2.66%	0.00%	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)	41.61
(-) Cash Dividends Paid (M)	8.28
(=) Cash Retained (M)	33.33

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	8.32	5.20	3.12
Cash Retained (M)	33.33	33.33	33.33
(-) Cash Required (M)	-8.32	-5.20	-3.12
(=) Excess Retained (M)	25.01	28.13	30.21
(/) Shares Outstanding (M)	0.07	0.07	0.07
(=) Excess Retained per Share	348.05	391.49	420.44
LTM Dividend per Share	115.24	115.24	115.24
(+) Excess Retained per Share	348.05	391.49	420.44
(=) Adjusted Dividend	463.29	506.73	535.68
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-1.13%	-0.13%	0.87%
Fair Value	$5,613.25	$7,067.66	$8,771.27
Upside / Downside	36.24%	71.55%	112.89%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	41.61	41.56	41.51	41.45	41.40	41.35	42.59
Payout Ratio	19.90%	33.92%	47.94%	61.96%	75.98%	90.00%	92.50%
Projected Dividends (M)	8.28	14.10	19.90	25.68	31.46	37.21	39.39

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-1.13%	-0.13%	0.87%
Year 1 PV (M)	13.04	13.17	13.30
Year 2 PV (M)	17.02	17.37	17.72
Year 3 PV (M)	20.32	20.95	21.58
Year 4 PV (M)	23.02	23.97	24.94
Year 5 PV (M)	25.19	26.49	27.84
PV of Terminal Value (M)	660.96	695.07	730.57
Equity Value (M)	759.55	797.01	835.95
Shares Outstanding (M)	0.07	0.07	0.07
Fair Value	$10,571.24	$11,092.50	$11,634.53
Upside / Downside	156.58%	169.24%	182.39%

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Hypothekarbank Lenzburg AG (0QLK.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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