Definitive Analysis
Definitive Analysis

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Sector

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$236.38 - $379.26$301.00
Multi-Stage$421.21 - $463.38$441.88
Blended Fair Value$371.44
Current Price$78.50
Upside373.17%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS4.00%4.71%2.350.000.001.191.571.931.811.720.001.37
YoY Growth--0.00%0.00%-100.00%-23.91%-18.70%6.40%5.34%0.00%-100.00%-7.76%
Dividend Yield--3.40%0.00%0.00%1.73%1.78%1.62%1.78%2.01%0.00%2.14%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)135.38
(-) Cash Dividends Paid (M)24.54
(=) Cash Retained (M)110.83
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)27.0816.9210.15
Cash Retained (M)110.83110.83110.83
(-) Cash Required (M)-27.08-16.92-10.15
(=) Excess Retained (M)83.7693.91100.68
(/) Shares Outstanding (M)6.046.046.04
(=) Excess Retained per Share13.8815.5616.68
LTM Dividend per Share4.074.074.07
(+) Excess Retained per Share13.8815.5616.68
(=) Adjusted Dividend17.9419.6220.75
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate-0.52%0.48%1.48%
Fair Value$236.38$301.00$379.26
Upside / Downside201.12%283.44%383.13%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)135.38136.03136.68137.34138.00138.66142.82
Payout Ratio18.13%32.50%46.88%61.25%75.63%90.00%92.50%
Projected Dividends (M)24.5444.2164.0784.12104.36124.79132.11

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate-0.52%0.48%1.48%
Year 1 PV (M)40.9041.3141.72
Year 2 PV (M)54.8255.9357.05
Year 3 PV (M)66.5868.6170.68
Year 4 PV (M)76.4079.5282.74
Year 5 PV (M)84.5188.8493.35
PV of Terminal Value (M)2,219.152,332.962,451.38
Equity Value (M)2,542.372,667.172,796.92
Shares Outstanding (M)6.046.046.04
Fair Value$421.21$441.88$463.38
Upside / Downside436.57%462.91%490.29%

High-Yield Dividend Screener

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