DDM Analysis: SJOVA.IC

Valuation Snapshot

Stable Growth	$182.56 - $642.83	$602.43
Multi-Stage	$85.82 - $93.70	$89.69
Blended Fair Value	$346.06
Current Price	$46.00
Upside	652.30%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	30.30%	0.00%	2.10	1.62	3.26	2.27	0.00	0.56	1.28	2.22	0.56	3.42
YoY Growth	-	-	29.54%	-50.22%	43.36%	0.00%	-100.00%	-56.36%	-42.32%	294.78%	-83.56%	0.00%
Dividend Yield	-	-	4.59%	4.27%	9.05%	6.31%	0.00%	3.31%	7.74%	12.73%	3.21%	26.66%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	3,773.97
(-) Cash Dividends Paid (M)	3,400.37
(=) Cash Retained (M)	373.60

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	754.79	471.75	283.05
Cash Retained (M)	373.60	373.60	373.60
(-) Cash Required (M)	-754.79	-471.75	-283.05
(=) Excess Retained (M)	-381.19	-98.15	90.55
(/) Shares Outstanding (M)	1,167.56	1,167.56	1,167.56
(=) Excess Retained per Share	-0.33	-0.08	0.08
LTM Dividend per Share	2.91	2.91	2.91
(+) Excess Retained per Share	-0.33	-0.08	0.08
(=) Adjusted Dividend	2.59	2.83	2.99
WACC / Discount Rate	6.99%	6.99%	6.99%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$182.56	$602.43	$642.83
Upside / Downside	296.87%	1,209.63%	1,297.46%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	3,773.97	4,019.28	4,280.54	4,558.77	4,855.09	5,170.67	5,325.79
Payout Ratio	90.10%	90.08%	90.06%	90.04%	90.02%	90.00%	92.50%
Projected Dividends (M)	3,400.37	3,620.59	3,855.07	4,104.73	4,370.56	4,653.60	4,926.36

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.99%	6.99%	6.99%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	3,352.13	3,383.91	3,415.68
Year 2 PV (M)	3,304.58	3,367.52	3,431.06
Year 3 PV (M)	3,257.69	3,351.21	3,446.50
Year 4 PV (M)	3,211.48	3,334.98	3,462.01
Year 5 PV (M)	3,165.92	3,318.83	3,477.60
PV of Terminal Value (M)	83,905.14	87,957.79	92,165.54
Equity Value (M)	100,196.93	104,714.23	109,398.39
Shares Outstanding (M)	1,167.56	1,167.56	1,167.56
Fair Value	$85.82	$89.69	$93.70
Upside / Downside	86.56%	94.97%	103.69%

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Sjóvá-Almennar tryggingar hf. (SJOVA.IC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener