DDM Analysis: 0JG5.L

Valuation Snapshot

Stable Growth	$1.53 - $2.11	$1.82
Multi-Stage	$2.75 - $3.02	$2.89
Blended Fair Value	$2.35
Current Price	$8.53
Upside	-72.42%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-17.07%	-2.19%	0.06	0.05	0.04	0.03	0.00	0.15	0.30	0.30	0.30	0.15
YoY Growth	-	-	17.65%	25.00%	28.65%	0.00%	-100.00%	-50.00%	0.00%	0.00%	102.42%	101.83%
Dividend Yield	-	-	0.76%	0.96%	0.92%	0.54%	0.00%	3.44%	4.60%	5.05%	4.80%	2.33%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	9.58
(-) Cash Dividends Paid (M)	5.04
(=) Cash Retained (M)	4.54

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.92	1.20	0.72
Cash Retained (M)	4.54	4.54	4.54
(-) Cash Required (M)	-1.92	-1.20	-0.72
(=) Excess Retained (M)	2.62	3.34	3.82
(/) Shares Outstanding (M)	35.49	35.49	35.49
(=) Excess Retained per Share	0.07	0.09	0.11
LTM Dividend per Share	0.14	0.14	0.14
(+) Excess Retained per Share	0.07	0.09	0.11
(=) Adjusted Dividend	0.22	0.24	0.25
WACC / Discount Rate	9.38%	9.38%	9.38%
Growth Rate	-4.19%	-3.19%	-2.19%
Fair Value	$1.53	$1.82	$2.11
Upside / Downside	-82.12%	-78.67%	-75.25%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	9.58	9.28	8.98	8.69	8.42	8.15	8.39
Payout Ratio	52.63%	60.10%	67.58%	75.05%	82.53%	90.00%	92.50%
Projected Dividends (M)	5.04	5.58	6.07	6.53	6.95	7.33	7.76

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.38%	9.38%	9.38%
Growth Rate	-4.19%	-3.19%	-2.19%
Year 1 PV (M)	5.05	5.10	5.15
Year 2 PV (M)	4.97	5.07	5.18
Year 3 PV (M)	4.83	4.99	5.14
Year 4 PV (M)	4.66	4.85	5.06
Year 5 PV (M)	4.45	4.68	4.93
PV of Terminal Value (M)	73.80	77.73	81.83
Equity Value (M)	97.75	102.42	107.29
Shares Outstanding (M)	35.49	35.49	35.49
Fair Value	$2.75	$2.89	$3.02
Upside / Downside	-67.71%	-66.17%	-64.56%

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Ticker ⇵	Company ⇵	Dividend Yield % ▼	Dividend Per Share ⇵	Payout Ratio % ⇵
BTBT	Bit Digital, Inc.	0.25%	$0.01	1.17%
PVH	PVH Corp.	0.25%	$0.17	2.41%
AEL	American Equity Investment Life Holding Company	0.24%	$0.14	2.19%
CRS	Carpenter Technology Corporation	0.24%	$0.80	9.74%
L	Loews Corporation	0.24%	$0.25	3.58%
PRIM	Primoris Services Corporation	0.23%	$0.30	5.83%
TER	Teradyne, Inc.	0.23%	$0.48	17.39%
FOCS	Focus Financial Partners Inc.	0.22%	$0.12	19.23%
QCRH	QCR Holdings, Inc.	0.22%	$0.18	2.50%
RMAX	RE/MAX Holdings, Inc.	0.22%	$0.02	2.70%
VSEC	VSE Corporation	0.22%	$0.40	30.98%
0J5I.L	Hilton Worldwide Holdings Inc.	0.21%	$0.60	8.71%
PRVAX	Virginia Tax Free Bond Fund	0.21%	$0.02	89.04%
ACA	Arcosa, Inc.	0.19%	$0.20	6.66%
HWM	Howmet Aerospace Inc.	0.19%	$0.40	11.24%
USLM	United States Lime & Minerals, Inc.	0.19%	$0.23	5.04%
AEIS	Advanced Energy Industries, Inc.	0.18%	$0.40	10.65%
BELFA	Bel Fuse Inc.	0.18%	$0.28	5.31%
TILE	Interface, Inc.	0.18%	$0.05	2.63%
0K05.L	Medifast, Inc.	0.17%	$0.02	78.63%
AYI	Acuity Brands, Inc.	0.17%	$0.65	5.19%
BDC	Belden Inc.	0.17%	$0.20	3.53%
FIX	Comfort Systems USA, Inc.	0.17%	$1.70	7.18%
KNSL	Kinsale Capital Group, Inc.	0.17%	$0.66	3.24%
STCN	Steel Connect, Inc.	0.17%	$0.02	1.98%
VVI	Viad Corp	0.17%	$0.07	0.54%
ALNT	Allient Inc.	0.16%	$0.09	7.91%
CLSK	CleanSpark, Inc.	0.16%	$0.02	1.41%
EME	EMCOR Group, Inc.	0.16%	$1.01	4.01%
ESE	ESCO Technologies Inc.	0.16%	$0.32	2.76%
CW	Curtiss-Wright Corporation	0.15%	$0.87	7.08%
MU	Micron Technology, Inc.	0.15%	$0.46	6.11%
SPCMU	Sound Point Acquisition Corp I, Ltd	0.15%	$0.02	1.33%
ENSG	The Ensign Group, Inc.	0.14%	$0.24	4.34%
JBL	Jabil Inc.	0.14%	$0.33	5.48%
PFIE	Profire Energy, Inc.	0.14%	$0.00	1.99%
0R0A.L	Hecla Mining Company	0.13%	$0.02	5.24%
GNW	Genworth Financial, Inc.	0.13%	$0.01	2.27%
ONIT	Onity Group Inc.	0.13%	$0.06	1.46%
0A7O.L	MicroStrategy Incorporated	0.12%	$0.19	0.73%
0KGS.L	Pegasystems Inc.	0.12%	$0.07	4.63%
PRTAX	T. Rowe Price Tax-Free Income Fd	0.12%	$0.01	89.04%
WDC	Western Digital Corporation	0.12%	$0.22	3.25%
GEV	GE Vernova Inc.	0.11%	$0.75	12.15%
MPLF.L	Marble Point Loan Financing Limited	0.11%	$0.07	92.98%
EPAC	Enerpac Tool Group Corp.	0.10%	$0.04	2.34%
GRBK	Green Brick Partners, Inc.	0.10%	$0.07	0.85%
IR	Ingersoll Rand Inc.	0.10%	$0.08	5.89%
RAL	Ralliant Corp.	0.10%	$0.05	2.75%
TXT	Textron Inc.	0.10%	$0.08	1.79%

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Bittium Oyj (0JG5.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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