DDM Analysis: 0IKK.L

Valuation Snapshot

Stable Growth	$18.47 - $89.59	$39.66
Multi-Stage	$10.03 - $10.96	$10.49
Blended Fair Value	$25.08
Current Price	$7.38
Upside	239.78%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	19.28%	8.04%	0.17	0.17	0.17	0.15	0.10	0.07	0.04	0.06	0.07	0.04
YoY Growth	-	-	-0.31%	0.83%	11.89%	49.78%	43.35%	74.37%	-35.52%	-10.62%	78.54%	-50.00%
Dividend Yield	-	-	2.55%	3.29%	2.98%	1.98%	1.34%	1.74%	1.55%	2.86%	2.53%	1.32%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	11.93
(-) Cash Dividends Paid (M)	4.77
(=) Cash Retained (M)	7.17

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.39	1.49	0.89
Cash Retained (M)	7.17	7.17	7.17
(-) Cash Required (M)	-2.39	-1.49	-0.89
(=) Excess Retained (M)	4.78	5.67	6.27
(/) Shares Outstanding (M)	26.48	26.48	26.48
(=) Excess Retained per Share	0.18	0.21	0.24
LTM Dividend per Share	0.18	0.18	0.18
(+) Excess Retained per Share	0.18	0.21	0.24
(=) Adjusted Dividend	0.36	0.39	0.42
WACC / Discount Rate	7.56%	7.56%	7.56%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$18.47	$39.66	$89.59
Upside / Downside	150.29%	437.45%	1,114.01%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	11.93	12.71	13.53	14.41	15.35	16.35	16.84
Payout Ratio	39.95%	49.96%	59.97%	69.98%	79.99%	90.00%	92.50%
Projected Dividends (M)	4.77	6.35	8.12	10.09	12.28	14.71	15.57

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.56%	7.56%	7.56%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	5.85	5.90	5.96
Year 2 PV (M)	6.88	7.01	7.15
Year 3 PV (M)	7.88	8.11	8.34
Year 4 PV (M)	8.83	9.17	9.52
Year 5 PV (M)	9.75	10.22	10.71
PV of Terminal Value (M)	226.40	237.34	248.69
Equity Value (M)	265.59	277.75	290.36
Shares Outstanding (M)	26.48	26.48	26.48
Fair Value	$10.03	$10.49	$10.96
Upside / Downside	35.89%	42.11%	48.56%

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Digia Oyj (0IKK.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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