DDM Analysis: SPKSJF.CO

Valuation Snapshot

Stable Growth	$2,093.63 - $7,570.18	$6,636.34
Multi-Stage	$956.57 - $1,046.71	$1,000.81
Blended Fair Value	$3,818.57
Current Price	$343.00
Upside	1,013.29%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	27.38%	17.96%	8.83	6.28	6.31	0.00	3.15	2.63	0.00	2.37	2.36	1.96
YoY Growth	-	-	40.50%	-0.43%	0.00%	-100.00%	19.75%	0.00%	-100.00%	0.69%	20.22%	15.80%
Dividend Yield	-	-	3.15%	2.97%	3.45%	0.00%	2.84%	3.37%	0.00%	2.21%	1.83%	2.41%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	627.80
(-) Cash Dividends Paid (M)	193.40
(=) Cash Retained (M)	434.40

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	125.56	78.47	47.08
Cash Retained (M)	434.40	434.40	434.40
(-) Cash Required (M)	-125.56	-78.47	-47.08
(=) Excess Retained (M)	308.84	355.93	387.32
(/) Shares Outstanding (M)	16.49	16.49	16.49
(=) Excess Retained per Share	18.73	21.58	23.48
LTM Dividend per Share	11.73	11.73	11.73
(+) Excess Retained per Share	18.73	21.58	23.48
(=) Adjusted Dividend	30.45	33.31	35.21
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$2,093.63	$6,636.34	$7,570.18
Upside / Downside	510.39%	1,834.79%	2,107.05%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	627.80	668.60	712.06	758.35	807.64	860.13	885.94
Payout Ratio	30.81%	42.64%	54.48%	66.32%	78.16%	90.00%	92.50%
Projected Dividends (M)	193.40	285.12	387.96	502.95	631.26	774.12	819.49

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	263.88	266.38	268.88
Year 2 PV (M)	332.31	338.64	345.03
Year 3 PV (M)	398.72	410.16	421.82
Year 4 PV (M)	463.15	480.96	499.28
Year 5 PV (M)	525.66	551.05	577.41
PV of Terminal Value (M)	13,792.72	14,458.92	15,150.61
Equity Value (M)	15,776.44	16,506.11	17,263.03
Shares Outstanding (M)	16.49	16.49	16.49
Fair Value	$956.57	$1,000.81	$1,046.71
Upside / Downside	178.88%	191.78%	205.16%

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Sparekassen Sjælland-Fyn A/S (SPKSJF.CO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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