DDM Analysis: RVL.TA

Valuation Snapshot

Stable Growth	$0.54 - $0.79	$0.66
Multi-Stage	$1.01 - $1.11	$1.06
Blended Fair Value	$0.86
Current Price	$0.47
Upside	83.13%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	0.00%	7.25%	0.06	0.06	0.06	0.22	0.00	0.00	0.00	0.02	0.08	0.03
YoY Growth	-	-	0.73%	-3.10%	-71.81%	0.00%	0.00%	0.00%	-100.00%	-70.25%	148.76%	10.06%
Dividend Yield	-	-	11.16%	8.42%	5.21%	12.96%	0.00%	0.00%	0.00%	1.80%	3.64%	1.84%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	5.63
(-) Cash Dividends Paid (M)	3.74
(=) Cash Retained (M)	1.90

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.13	0.70	0.42
Cash Retained (M)	1.90	1.90	1.90
(-) Cash Required (M)	-1.13	-0.70	-0.42
(=) Excess Retained (M)	0.77	1.19	1.47
(/) Shares Outstanding (M)	82.03	82.03	82.03
(=) Excess Retained per Share	0.01	0.01	0.02
LTM Dividend per Share	0.05	0.05	0.05
(+) Excess Retained per Share	0.01	0.01	0.02
(=) Adjusted Dividend	0.05	0.06	0.06
WACC / Discount Rate	7.99%	7.99%	7.99%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$0.54	$0.66	$0.79
Upside / Downside	14.57%	40.66%	69.00%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	5.63	5.58	5.52	5.47	5.41	5.36	5.52
Payout Ratio	66.35%	71.08%	75.81%	80.54%	85.27%	90.00%	92.50%
Projected Dividends (M)	3.74	3.96	4.19	4.40	4.61	4.82	5.10

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.99%	7.99%	7.99%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	3.63	3.67	3.71
Year 2 PV (M)	3.52	3.59	3.66
Year 3 PV (M)	3.39	3.50	3.60
Year 4 PV (M)	3.26	3.39	3.53
Year 5 PV (M)	3.12	3.28	3.45
PV of Terminal Value (M)	66.17	69.62	73.20
Equity Value (M)	83.09	87.05	91.16
Shares Outstanding (M)	82.03	82.03	82.03
Fair Value	$1.01	$1.06	$1.11
Upside / Downside	115.35%	125.61%	136.27%

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Raval ACS Ltd. (RVL.TA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener