Definitive Analysis
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Definitive Analysis

Financial Statements

Ticker

Industry

Sector

Oma Säästöpankki Oyj (OMASP.HE)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$236.30 - $278.40$260.91
Multi-Stage$85.23 - $93.47$89.27
Blended Fair Value$175.09
Current Price$11.46
Upside1,427.84%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS51.38%0.00%0.980.390.440.380.000.120.060.050.040.02
YoY Growth--149.73%-11.59%18.20%0.00%-100.00%97.35%34.01%6.63%113.28%0.00%
Dividend Yield--11.27%1.91%2.27%2.08%0.00%2.06%0.83%0.65%0.61%0.29%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)47.30
(-) Cash Dividends Paid (M)11.94
(=) Cash Retained (M)35.36
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)9.465.913.55
Cash Retained (M)35.3635.3635.36
(-) Cash Required (M)-9.46-5.91-3.55
(=) Excess Retained (M)25.9029.4531.81
(/) Shares Outstanding (M)33.7933.7933.79
(=) Excess Retained per Share0.770.870.94
LTM Dividend per Share0.350.350.35
(+) Excess Retained per Share0.770.870.94
(=) Adjusted Dividend1.121.221.29
WACC / Discount Rate4.72%4.72%4.72%
Growth Rate5.50%6.50%7.50%
Fair Value$236.30$260.91$278.40
Upside / Downside1,961.98%2,176.67%2,329.36%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)47.3050.3753.6457.1360.8464.8066.74
Payout Ratio25.24%38.19%51.14%64.09%77.05%90.00%92.50%
Projected Dividends (M)11.9419.2427.4336.6246.8858.3261.74

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate4.72%4.72%4.72%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)18.2018.3718.54
Year 2 PV (M)24.5525.0225.49
Year 3 PV (M)31.0031.8932.80
Year 4 PV (M)37.5438.9940.47
Year 5 PV (M)44.1846.3248.53
PV of Terminal Value (M)2,724.022,855.592,992.19
Equity Value (M)2,879.493,016.173,158.03
Shares Outstanding (M)33.7933.7933.79
Fair Value$85.23$89.27$93.47
Upside / Downside643.71%679.01%715.65%

High-Yield Dividend Screener

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