DDM Analysis: 4144.SR

Valuation Snapshot

Stable Growth	$14.94 - $23.42	$18.83
Multi-Stage	$37.38 - $41.11	$39.20
Blended Fair Value	$29.02
Current Price	$66.30
Upside	-56.23%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020
DPS	0.00%	0.00%	1.71	0.00	0.00	0.00	1.26	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	0.00%	0.00%	0.00%	-100.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	2.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	16.83
(-) Cash Dividends Paid (M)	14.00
(=) Cash Retained (M)	2.83

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	3.37	2.10	1.26
Cash Retained (M)	2.83	2.83	2.83
(-) Cash Required (M)	-3.37	-2.10	-1.26
(=) Excess Retained (M)	-0.54	0.73	1.57
(/) Shares Outstanding (M)	10.94	10.94	10.94
(=) Excess Retained per Share	-0.05	0.07	0.14
LTM Dividend per Share	1.28	1.28	1.28
(+) Excess Retained per Share	-0.05	0.07	0.14
(=) Adjusted Dividend	1.23	1.35	1.42
WACC / Discount Rate	6.08%	6.08%	6.08%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$14.94	$18.83	$23.42
Upside / Downside	-77.47%	-71.59%	-64.67%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	16.83	16.66	16.50	16.33	16.17	16.01	16.49
Payout Ratio	83.18%	84.55%	85.91%	87.27%	88.64%	90.00%	92.50%
Projected Dividends (M)	14.00	14.09	14.17	14.25	14.33	14.40	15.25

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.08%	6.08%	6.08%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	13.15	13.28	13.41
Year 2 PV (M)	12.34	12.59	12.85
Year 3 PV (M)	11.58	11.94	12.31
Year 4 PV (M)	10.87	11.32	11.78
Year 5 PV (M)	10.19	10.72	11.28
PV of Terminal Value (M)	350.69	368.95	387.96
Equity Value (M)	408.82	428.80	449.59
Shares Outstanding (M)	10.94	10.94	10.94
Fair Value	$37.38	$39.20	$41.11
Upside / Downside	-43.62%	-40.87%	-38.00%

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Raoom Trading Co. (4144.SR)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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