DDM Analysis: SABE.PA

Valuation Snapshot

Stable Growth	$39.86 - $179.38	$92.36
Multi-Stage	$20.46 - $22.40	$21.42
Blended Fair Value	$56.89
Current Price	$19.80
Upside	187.32%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-15.50%	-8.07%	0.10	0.10	0.10	0.00	0.00	0.23	0.23	0.23	0.23	0.23
YoY Growth	-	-	-5.07%	-0.30%	0.00%	0.00%	-100.00%	0.00%	1.51%	-1.49%	0.00%	0.00%
Dividend Yield	-	-	0.48%	0.50%	0.56%	0.00%	0.00%	0.98%	1.07%	0.91%	1.31%	1.76%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	2.89
(-) Cash Dividends Paid (M)	0.32
(=) Cash Retained (M)	2.58

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.58	0.36	0.22
Cash Retained (M)	2.58	2.58	2.58
(-) Cash Required (M)	-0.58	-0.36	-0.22
(=) Excess Retained (M)	2.00	2.21	2.36
(/) Shares Outstanding (M)	3.21	3.21	3.21
(=) Excess Retained per Share	0.62	0.69	0.74
LTM Dividend per Share	0.10	0.10	0.10
(+) Excess Retained per Share	0.62	0.69	0.74
(=) Adjusted Dividend	0.72	0.79	0.83
WACC / Discount Rate	7.37%	7.37%	7.37%
Growth Rate	5.46%	6.46%	7.46%
Fair Value	$39.86	$92.36	$179.38
Upside / Downside	101.29%	366.47%	805.96%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	2.89	3.08	3.28	3.49	3.72	3.96	4.07
Payout Ratio	10.99%	26.79%	42.60%	58.40%	74.20%	90.00%	92.50%
Projected Dividends (M)	0.32	0.83	1.40	2.04	2.76	3.56	3.77

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.37%	7.37%	7.37%
Growth Rate	5.46%	6.46%	7.46%
Year 1 PV (M)	0.76	0.77	0.78
Year 2 PV (M)	1.19	1.21	1.23
Year 3 PV (M)	1.60	1.65	1.69
Year 4 PV (M)	2.00	2.07	2.15
Year 5 PV (M)	2.38	2.50	2.61
PV of Terminal Value (M)	57.68	60.47	63.36
Equity Value (M)	65.61	68.66	71.83
Shares Outstanding (M)	3.21	3.21	3.21
Fair Value	$20.46	$21.42	$22.40
Upside / Downside	3.35%	8.16%	13.16%

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Saint Jean Groupe S.A. (SABE.PA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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