DDM Analysis: TTALO.HE

Valuation Snapshot

Stable Growth	$16.82 - $47.31	$26.18
Multi-Stage	$17.18 - $18.81	$17.98
Blended Fair Value	$22.08
Current Price	$11.46
Upside	92.65%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	8.31%	0.00%	0.30	0.28	0.28	0.26	0.13	0.20	0.00	0.00	0.00	0.00
YoY Growth	-	-	7.34%	0.00%	6.95%	100.61%	-35.29%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	2.59%	3.69%	3.95%	2.31%	1.09%	2.46%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	89.30
(-) Cash Dividends Paid (M)	49.40
(=) Cash Retained (M)	39.90

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	17.86	11.16	6.70
Cash Retained (M)	39.90	39.90	39.90
(-) Cash Required (M)	-17.86	-11.16	-6.70
(=) Excess Retained (M)	22.04	28.74	33.20
(/) Shares Outstanding (M)	127.61	127.61	127.61
(=) Excess Retained per Share	0.17	0.23	0.26
LTM Dividend per Share	0.39	0.39	0.39
(+) Excess Retained per Share	0.17	0.23	0.26
(=) Adjusted Dividend	0.56	0.61	0.65
WACC / Discount Rate	6.83%	6.83%	6.83%
Growth Rate	3.39%	4.39%	5.39%
Fair Value	$16.82	$26.18	$47.31
Upside / Downside	46.74%	128.41%	312.83%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	89.30	93.22	97.31	101.58	106.04	110.69	114.01
Payout Ratio	55.32%	62.26%	69.19%	76.13%	83.06%	90.00%	92.50%
Projected Dividends (M)	49.40	58.03	67.33	77.33	88.08	99.62	105.46

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.83%	6.83%	6.83%
Growth Rate	3.39%	4.39%	5.39%
Year 1 PV (M)	53.80	54.32	54.84
Year 2 PV (M)	57.87	59.00	60.13
Year 3 PV (M)	61.62	63.43	65.27
Year 4 PV (M)	65.07	67.62	70.25
Year 5 PV (M)	68.23	71.59	75.09
PV of Terminal Value (M)	1,885.49	1,978.46	2,075.05
Equity Value (M)	2,192.08	2,294.42	2,400.64
Shares Outstanding (M)	127.61	127.61	127.61
Fair Value	$17.18	$17.98	$18.81
Upside / Downside	49.90%	56.90%	64.16%

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Terveystalo Oyj (TTALO.HE)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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