DDM Analysis: LDA.MC

Valuation Snapshot

Stable Growth	$0.79 - $1.19	$0.98
Multi-Stage	$1.63 - $1.80	$1.71
Blended Fair Value	$1.34
Current Price	$1.35
Upside	-0.42%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017
DPS	-21.99%	0.00%	0.03	0.00	0.07	0.18	0.03	0.10	0.09	0.15	0.00	0.00
YoY Growth	-	-	2,652.29%	-98.53%	-62.59%	597.38%	-72.70%	3.05%	-37.10%	0.00%	0.00%	0.00%
Dividend Yield	-	-	2.26%	0.11%	6.86%	11.30%	1.61%	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)	97.90
(-) Cash Dividends Paid (M)	45.00
(=) Cash Retained (M)	52.90

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	19.58	12.24	7.34
Cash Retained (M)	52.90	52.90	52.90
(-) Cash Required (M)	-19.58	-12.24	-7.34
(=) Excess Retained (M)	33.32	40.66	45.55
(/) Shares Outstanding (M)	1,086.02	1,086.02	1,086.02
(=) Excess Retained per Share	0.03	0.04	0.04
LTM Dividend per Share	0.04	0.04	0.04
(+) Excess Retained per Share	0.03	0.04	0.04
(=) Adjusted Dividend	0.07	0.08	0.08
WACC / Discount Rate	7.00%	7.00%	7.00%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$0.79	$0.98	$1.19
Upside / Downside	-41.81%	-27.67%	-11.72%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	97.90	96.92	95.95	94.99	94.04	93.10	95.89
Payout Ratio	45.97%	54.77%	63.58%	72.39%	81.19%	90.00%	92.50%
Projected Dividends (M)	45.00	53.09	61.00	68.76	76.35	83.79	88.70

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.00%	7.00%	7.00%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	49.11	49.61	50.12
Year 2 PV (M)	52.22	53.29	54.37
Year 3 PV (M)	54.45	56.13	57.85
Year 4 PV (M)	55.94	58.26	60.65
Year 5 PV (M)	56.79	59.75	62.83
PV of Terminal Value (M)	1,504.23	1,582.56	1,664.12
Equity Value (M)	1,772.74	1,859.60	1,949.93
Shares Outstanding (M)	1,086.02	1,086.02	1,086.02
Fair Value	$1.63	$1.71	$1.80
Upside / Downside	20.91%	26.84%	33.00%

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Línea Directa Aseguradora, S.A. (LDA.MC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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