DDM Analysis: ISB.IC

Valuation Snapshot

Stable Growth	$2,295.66 - $2,704.68	$2,534.68
Multi-Stage	$553.01 - $605.70	$578.87
Blended Fair Value	$1,556.78
Current Price	$122.00
Upside	1,176.05%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	18.34%	0.00%	6.54	6.52	6.33	1.81	0.00	2.82	6.91	1.30	5.32	4.79
YoY Growth	-	-	0.40%	2.97%	250.00%	0.00%	-100.00%	-59.23%	430.83%	-75.51%	11.11%	0.00%
Dividend Yield	-	-	5.32%	6.45%	5.30%	1.43%	0.00%	2.98%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	25,578.00
(-) Cash Dividends Paid (M)	12,103.00
(=) Cash Retained (M)	13,475.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5,115.60	3,197.25	1,918.35
Cash Retained (M)	13,475.00	13,475.00	13,475.00
(-) Cash Required (M)	-5,115.60	-3,197.25	-1,918.35
(=) Excess Retained (M)	8,359.40	10,277.75	11,556.65
(/) Shares Outstanding (M)	1,880.75	1,880.75	1,880.75
(=) Excess Retained per Share	4.44	5.46	6.14
LTM Dividend per Share	6.44	6.44	6.44
(+) Excess Retained per Share	4.44	5.46	6.14
(=) Adjusted Dividend	10.88	11.90	12.58
WACC / Discount Rate	5.57%	5.57%	5.57%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$2,295.66	$2,534.68	$2,704.68
Upside / Downside	1,781.69%	1,977.61%	2,116.95%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	25,578.00	27,240.57	29,011.21	30,896.94	32,905.24	35,044.08	36,095.40
Payout Ratio	47.32%	55.85%	64.39%	72.93%	81.46%	90.00%	92.50%
Projected Dividends (M)	12,103.00	15,215.06	18,680.55	22,532.27	26,805.79	31,539.67	33,388.24

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.57%	5.57%	5.57%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	14,277.59	14,412.93	14,548.26
Year 2 PV (M)	16,449.49	16,762.81	17,079.08
Year 3 PV (M)	18,618.69	19,153.16	19,697.77
Year 4 PV (M)	20,785.20	21,584.54	22,406.71
Year 5 PV (M)	22,949.01	24,057.46	25,208.33
PV of Terminal Value (M)	947,001.00	992,741.50	1,040,232.60
Equity Value (M)	1,040,080.98	1,088,712.39	1,139,172.75
Shares Outstanding (M)	1,880.75	1,880.75	1,880.75
Fair Value	$553.01	$578.87	$605.70
Upside / Downside	353.29%	374.48%	396.48%

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Íslandsbanki hf. (ISB.IC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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