DDM Analysis: CIV.PA

Valuation Snapshot

Stable Growth	$236.28 - $379.05	$300.86
Multi-Stage	$420.87 - $463.01	$441.53
Blended Fair Value	$371.19
Current Price	$78.50
Upside	372.86%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	4.00%	4.71%	2.35	0.00	0.00	1.19	1.57	1.93	1.81	1.72	0.00	1.37
YoY Growth	-	-	0.00%	0.00%	-100.00%	-23.91%	-18.70%	6.40%	5.34%	0.00%	-100.00%	-7.76%
Dividend Yield	-	-	3.40%	0.00%	0.00%	1.73%	1.78%	1.62%	1.78%	2.01%	0.00%	2.14%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	135.38
(-) Cash Dividends Paid (M)	24.54
(=) Cash Retained (M)	110.83

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	27.08	16.92	10.15
Cash Retained (M)	110.83	110.83	110.83
(-) Cash Required (M)	-27.08	-16.92	-10.15
(=) Excess Retained (M)	83.76	93.91	100.68
(/) Shares Outstanding (M)	6.04	6.04	6.04
(=) Excess Retained per Share	13.88	15.56	16.68
LTM Dividend per Share	4.07	4.07	4.07
(+) Excess Retained per Share	13.88	15.56	16.68
(=) Adjusted Dividend	17.94	19.62	20.75
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-0.52%	0.48%	1.48%
Fair Value	$236.28	$300.86	$379.05
Upside / Downside	201.00%	283.26%	382.86%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	135.38	136.03	136.68	137.34	138.00	138.66	142.82
Payout Ratio	18.13%	32.50%	46.88%	61.25%	75.63%	90.00%	92.50%
Projected Dividends (M)	24.54	44.21	64.07	84.12	104.36	124.79	132.11

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-0.52%	0.48%	1.48%
Year 1 PV (M)	40.90	41.31	41.72
Year 2 PV (M)	54.82	55.93	57.05
Year 3 PV (M)	66.57	68.60	70.67
Year 4 PV (M)	76.40	79.51	82.73
Year 5 PV (M)	84.50	88.83	93.34
PV of Terminal Value (M)	2,217.15	2,330.85	2,449.17
Equity Value (M)	2,540.33	2,665.03	2,794.67
Shares Outstanding (M)	6.04	6.04	6.04
Fair Value	$420.87	$441.53	$463.01
Upside / Downside	436.14%	462.46%	489.82%

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Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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