DDM Analysis: 0OJJ.L

Valuation Snapshot

Stable Growth	$7.39 - $17.28	$10.85
Multi-Stage	$8.84 - $9.69	$9.26
Blended Fair Value	$10.06
Current Price	$3.43
Upside	193.16%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	3.72%	5.54%	0.12	0.12	0.00	0.00	0.15	0.10	0.12	0.15	0.10	0.10
YoY Growth	-	-	0.08%	0.00%	0.00%	-100.00%	50.02%	-16.64%	-20.01%	49.98%	0.05%	42.71%
Dividend Yield	-	-	4.47%	3.07%	0.00%	0.00%	5.63%	2.37%	3.62%	2.13%	1.35%	1.95%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	7.15
(-) Cash Dividends Paid (M)	2.42
(=) Cash Retained (M)	4.73

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.43	0.89	0.54
Cash Retained (M)	4.73	4.73	4.73
(-) Cash Required (M)	-1.43	-0.89	-0.54
(=) Excess Retained (M)	3.30	3.84	4.19
(/) Shares Outstanding (M)	19.69	19.69	19.69
(=) Excess Retained per Share	0.17	0.19	0.21
LTM Dividend per Share	0.12	0.12	0.12
(+) Excess Retained per Share	0.17	0.19	0.21
(=) Adjusted Dividend	0.29	0.32	0.34
WACC / Discount Rate	6.68%	6.68%	6.68%
Growth Rate	2.64%	3.64%	4.64%
Fair Value	$7.39	$10.85	$17.28
Upside / Downside	115.46%	216.39%	403.77%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	7.15	7.41	7.68	7.96	8.25	8.55	8.81
Payout Ratio	33.82%	45.06%	56.29%	67.53%	78.76%	90.00%	92.50%
Projected Dividends (M)	2.42	3.34	4.32	5.37	6.50	7.69	8.15

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.68%	6.68%	6.68%
Growth Rate	2.64%	3.64%	4.64%
Year 1 PV (M)	3.10	3.13	3.16
Year 2 PV (M)	3.73	3.80	3.87
Year 3 PV (M)	4.30	4.43	4.56
Year 4 PV (M)	4.83	5.02	5.21
Year 5 PV (M)	5.31	5.57	5.84
PV of Terminal Value (M)	152.80	160.39	168.28
Equity Value (M)	174.06	182.33	190.92
Shares Outstanding (M)	19.69	19.69	19.69
Fair Value	$8.84	$9.26	$9.69
Upside / Downside	157.67%	169.92%	182.64%

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ACTIA Group S.A. (0OJJ.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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