DDM Analysis: 0QLJ.L

Valuation Snapshot

Stable Growth	$237.67 - $332.07	$284.77
Multi-Stage	$693.82 - $768.31	$730.29
Blended Fair Value	$507.53
Current Price	$625.00
Upside	-18.80%
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	-8.97%	-4.60%	5.11	0.00	0.00	0.00	0.00	8.18	38.85	8.18	8.18	8.19
YoY Growth	-	-	0.00%	0.00%	0.00%	0.00%	-100.00%	-78.95%	375.00%	0.00%	-0.10%	0.00%
Dividend Yield	-	-	0.87%	0.00%	0.00%	0.00%	0.00%	0.98%	4.98%	0.99%	1.54%	1.71%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4.20
(-) Cash Dividends Paid (M)	0.52
(=) Cash Retained (M)	3.68

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.84	0.52	0.31
Cash Retained (M)	3.68	3.68	3.68
(-) Cash Required (M)	-0.84	-0.52	-0.31
(=) Excess Retained (M)	2.84	3.15	3.36
(/) Shares Outstanding (M)	0.10	0.10	0.10
(=) Excess Retained per Share	27.78	30.87	32.92
LTM Dividend per Share	5.11	5.11	5.11
(+) Excess Retained per Share	27.78	30.87	32.92
(=) Adjusted Dividend	32.90	35.98	38.04
WACC / Discount Rate	6.33%	6.33%	6.33%
Growth Rate	-6.60%	-5.60%	-4.60%
Fair Value	$237.67	$284.77	$332.07
Upside / Downside	-61.97%	-54.44%	-46.87%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4.20	3.96	3.74	3.53	3.33	3.15	3.24
Payout Ratio	12.43%	27.95%	43.46%	58.97%	74.49%	90.00%	92.50%
Projected Dividends (M)	0.52	1.11	1.63	2.08	2.48	2.83	3.00

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.33%	6.33%	6.33%
Growth Rate	-6.60%	-5.60%	-4.60%
Year 1 PV (M)	1.03	1.04	1.05
Year 2 PV (M)	1.41	1.44	1.47
Year 3 PV (M)	1.68	1.73	1.79
Year 4 PV (M)	1.86	1.94	2.03
Year 5 PV (M)	1.98	2.08	2.20
PV of Terminal Value (M)	62.89	66.33	69.92
Equity Value (M)	70.85	74.58	78.46
Shares Outstanding (M)	0.10	0.10	0.10
Fair Value	$693.82	$730.29	$768.31
Upside / Downside	11.01%	16.85%	22.93%

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Villars Holding S.A. (0QLJ.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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