DDM Analysis: PTNM

Valuation Snapshot

Stable Growth	$1.08 - $1.68	$1.36
Multi-Stage	$2.51 - $2.77	$2.64
Blended Fair Value	$2.00
Current Price	$29.56
Upside	-93.24%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023
DPS	0.00%	0.00%	0.35	0.38	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	-8.41%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.18%	1.28%	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)	2.40
(-) Cash Dividends Paid (M)	0.94
(=) Cash Retained (M)	1.46

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.48	0.30	0.18
Cash Retained (M)	1.46	1.46	1.46
(-) Cash Required (M)	-0.48	-0.30	-0.18
(=) Excess Retained (M)	0.98	1.16	1.28
(/) Shares Outstanding (M)	21.00	21.00	21.00
(=) Excess Retained per Share	0.05	0.06	0.06
LTM Dividend per Share	0.04	0.04	0.04
(+) Excess Retained per Share	0.05	0.06	0.06
(=) Adjusted Dividend	0.09	0.10	0.11
WACC / Discount Rate	6.29%	6.29%	6.29%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$1.08	$1.36	$1.68
Upside / Downside	-96.34%	-95.40%	-94.31%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	2.40	2.38	2.35	2.33	2.30	2.28	2.35
Payout Ratio	39.07%	49.26%	59.44%	69.63%	79.81%	90.00%	92.50%
Projected Dividends (M)	0.94	1.17	1.40	1.62	1.84	2.05	2.17

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.29%	6.29%	6.29%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	1.09	1.10	1.11
Year 2 PV (M)	1.21	1.24	1.26
Year 3 PV (M)	1.31	1.35	1.39
Year 4 PV (M)	1.38	1.44	1.50
Year 5 PV (M)	1.44	1.51	1.59
PV of Terminal Value (M)	46.36	48.77	51.29
Equity Value (M)	52.79	55.42	58.15
Shares Outstanding (M)	21.00	21.00	21.00
Fair Value	$2.51	$2.64	$2.77
Upside / Downside	-91.50%	-91.07%	-90.63%

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Pitanium Limited (PTNM)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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