DDM Analysis: CRAV.PA

Valuation Snapshot

Stable Growth	$199.42 - $306.29	$249.23
Multi-Stage	$393.40 - $432.94	$412.78
Blended Fair Value	$331.01
Current Price	$99.00
Upside	234.35%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	6.79%	4.03%	3.19	2.74	0.00	0.00	2.24	2.30	2.32	2.36	2.36	2.13
YoY Growth	-	-	16.60%	0.00%	0.00%	-100.00%	-2.61%	-0.89%	-1.95%	0.26%	10.78%	-0.93%
Dividend Yield	-	-	3.65%	3.22%	0.00%	0.00%	1.93%	1.44%	1.76%	1.96%	2.38%	2.42%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	161.32
(-) Cash Dividends Paid (M)	46.12
(=) Cash Retained (M)	115.21

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	32.26	20.17	12.10
Cash Retained (M)	115.21	115.21	115.21
(-) Cash Required (M)	-32.26	-20.17	-12.10
(=) Excess Retained (M)	82.94	95.04	103.11
(/) Shares Outstanding (M)	7.38	7.38	7.38
(=) Excess Retained per Share	11.23	12.87	13.96
LTM Dividend per Share	6.25	6.25	6.25
(+) Excess Retained per Share	11.23	12.87	13.96
(=) Adjusted Dividend	17.48	19.12	20.21
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-1.59%	-0.59%	0.41%
Fair Value	$199.42	$249.23	$306.29
Upside / Downside	101.43%	151.74%	209.38%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	161.32	160.37	159.42	158.47	157.53	156.60	161.29
Payout Ratio	28.59%	40.87%	53.15%	65.44%	77.72%	90.00%	92.50%
Projected Dividends (M)	46.12	65.54	84.73	103.70	122.43	140.94	149.20

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-1.59%	-0.59%	0.41%
Year 1 PV (M)	60.62	61.24	61.85
Year 2 PV (M)	72.49	73.97	75.46
Year 3 PV (M)	82.05	84.57	87.15
Year 4 PV (M)	89.59	93.29	97.10
Year 5 PV (M)	95.39	100.34	105.49
PV of Terminal Value (M)	2,504.89	2,634.78	2,770.00
Equity Value (M)	2,905.03	3,048.18	3,197.05
Shares Outstanding (M)	7.38	7.38	7.38
Fair Value	$393.40	$412.78	$432.94
Upside / Downside	297.37%	316.95%	337.32%

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EXPD	Expeditors International of Washington, Inc.	0.99%	$1.50	24.32%
LISOX	Lazard International Strategic Equity Ptf Open Shares	0.99%	$0.13	36.87%
MXC	Mexco Energy Corporation	0.99%	$0.10	12.25%
NIC	Nicolet Bankshares, Inc.	0.99%	$1.19	12.58%
PAYC	Paycom Software, Inc.	0.99%	$1.51	18.80%
RRC	Range Resources Corporation	0.99%	$0.35	14.60%
WLFC	Willis Lease Finance Corporation	0.99%	$1.32	7.58%
WOR	Worthington Industries, Inc.	0.99%	$0.52	23.95%
CNXN	PC Connection, Inc.	0.98%	$0.56	16.89%
CAT	Caterpillar Inc.	0.97%	$5.78	29.40%
CNK	Cinemark Holdings, Inc.	0.97%	$0.23	18.28%
ECL	Ecolab Inc.	0.97%	$2.54	36.57%
EVR	Evercore Inc.	0.97%	$3.41	27.02%
LSBK	Lake Shore Bancorp, Inc.	0.96%	$0.14	24.34%
0ITL.L	Arthur J. Gallagher & Co.	0.95%	$2.42	39.43%
0IZI.L	W.W. Grainger, Inc.	0.95%	$9.52	26.47%
0L5V.L	The Sherwin-Williams Company	0.95%	$3.11	30.09%
0R2S.L	Stryker Corporation	0.95%	$3.28	43.09%
RRX	Regal Rexnord Corporation	0.95%	$1.39	36.07%
WT	WisdomTree, Inc.	0.95%	$0.12	18.12%
J	Jacobs Solutions Inc.	0.94%	$1.27	53.80%
ORCL	Oracle Corporation	0.94%	$1.84	34.81%
TCBS	Texas Community Bancshares, Inc.	0.94%	$0.17	19.22%
IMKTA	Ingles Markets, Incorporated	0.93%	$0.65	14.68%
ODC	Oil-Dri Corporation of America	0.93%	$0.45	12.28%
PENG	Penguin Solutions, Inc.	0.93%	$0.19	40.17%
SSBK	Southern States Bancshares, Inc.	0.93%	$0.34	9.19%
DAL	Delta Air Lines, Inc.	0.92%	$0.63	8.94%
HIFS	Hingham Institution for Savings	0.92%	$2.49	12.15%
RL	Ralph Lauren Corporation	0.92%	$3.34	24.37%
OPY	Oppenheimer Holdings Inc.	0.91%	$0.66	8.90%
BGC	BGC Group, Inc	0.90%	$0.08	23.56%
CDRE	Cadre Holdings, Inc.	0.90%	$0.37	33.35%
MBNKP	Medallion Bank	0.90%	$0.23	12.50%
JBHT	J.B. Hunt Transport Services, Inc.	0.89%	$1.75	30.14%
NYT	The New York Times Company	0.89%	$0.62	30.32%
RMD	ResMed Inc.	0.89%	$2.18	22.31%
VBFC	Village Bank and Trust Financial Corp.	0.89%	$0.72	15.35%
0I14.L	Cognex Corporation	0.88%	$0.32	49.16%
AR	Antero Resources Corporation	0.88%	$0.30	17.15%
LDOS	Leidos Holdings, Inc.	0.88%	$1.61	14.88%
LMAT	LeMaitre Vascular, Inc.	0.88%	$0.70	32.20%
NNI	Nelnet, Inc.	0.88%	$1.14	9.52%
PFSI	PennyMac Financial Services, Inc.	0.88%	$1.16	12.49%
SMBK	SmartFinancial, Inc.	0.88%	$0.32	11.76%
BYD	Boyd Gaming Corporation	0.87%	$0.75	3.22%
ROST	Ross Stores, Inc.	0.87%	$1.59	24.85%
BBSI	Barrett Business Services, Inc.	0.86%	$0.31	15.02%
BCO	The Brink's Company	0.86%	$1.00	24.81%
HXL	Hexcel Corporation	0.86%	$0.66	77.18%

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Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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