DDM Analysis: JL

Valuation Snapshot

Stable Growth	$10.90 - $21.57	$15.09
Multi-Stage	$52.96 - $58.54	$55.70
Blended Fair Value	$35.39
Current Price	$3.86
Upside	816.93%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021
DPS	0.00%	0.00%	0.13	0.54	0.00	0.12	0.06	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	-76.12%	0.00%	-100.00%	90.88%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	3.34%	5.62%	0.00%	0.16%	0.09%	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)	2.14
(-) Cash Dividends Paid (M)	0.21
(=) Cash Retained (M)	1.92

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.43	0.27	0.16
Cash Retained (M)	1.92	1.92	1.92
(-) Cash Required (M)	-0.43	-0.27	-0.16
(=) Excess Retained (M)	1.50	1.66	1.76
(/) Shares Outstanding (M)	3.11	3.11	3.11
(=) Excess Retained per Share	0.48	0.53	0.57
LTM Dividend per Share	0.07	0.07	0.07
(+) Excess Retained per Share	0.48	0.53	0.57
(=) Adjusted Dividend	0.55	0.60	0.64
WACC / Discount Rate	2.95%	2.95%	2.95%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$10.90	$15.09	$21.57
Upside / Downside	182.42%	290.97%	458.83%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	2.14	2.12	2.10	2.08	2.05	2.03	2.09
Payout Ratio	10.02%	26.02%	42.01%	58.01%	74.00%	90.00%	92.50%
Projected Dividends (M)	0.21	0.55	0.88	1.20	1.52	1.83	1.94

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	2.95%	2.95%	2.95%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	0.53	0.54	0.54
Year 2 PV (M)	0.81	0.83	0.85
Year 3 PV (M)	1.07	1.10	1.14
Year 4 PV (M)	1.30	1.35	1.41
Year 5 PV (M)	1.50	1.58	1.66
PV of Terminal Value (M)	159.24	167.53	176.16
Equity Value (M)	164.46	172.93	181.76
Shares Outstanding (M)	3.11	3.11	3.11
Fair Value	$52.96	$55.70	$58.54
Upside / Downside	1,272.14%	1,342.89%	1,416.54%

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J-Long Group Limited (JL)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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