DDM Analysis: ALGLD.PA

Valuation Snapshot

Stable Growth	$0.87 - $1.20	$1.04
Multi-Stage	$2.57 - $2.84	$2.71
Blended Fair Value	$1.87
Current Price	$3.18
Upside	-41.11%
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	-5.59%	-2.96%	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
YoY Growth	-	-	0.37%	-25.28%	0.00%	0.00%	0.00%	-0.52%	-0.41%	-0.51%	0.09%	0.04%
Dividend Yield	-	-	0.68%	2.59%	2.19%	2.81%	3.88%	3.41%	2.87%	2.88%	2.78%	2.21%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	0.45
(-) Cash Dividends Paid (M)	0.24
(=) Cash Retained (M)	0.21

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.09	0.06	0.03
Cash Retained (M)	0.21	0.21	0.21
(-) Cash Required (M)	-0.09	-0.06	-0.03
(=) Excess Retained (M)	0.12	0.15	0.18
(/) Shares Outstanding (M)	2.70	2.70	2.70
(=) Excess Retained per Share	0.04	0.06	0.07
LTM Dividend per Share	0.09	0.09	0.09
(+) Excess Retained per Share	0.04	0.06	0.07
(=) Adjusted Dividend	0.13	0.15	0.16
WACC / Discount Rate	6.62%	6.62%	6.62%
Growth Rate	-7.59%	-6.59%	-5.59%
Fair Value	$0.87	$1.04	$1.20
Upside / Downside	-72.49%	-67.29%	-62.19%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	0.45	0.42	0.40	0.37	0.35	0.32	0.33
Payout Ratio	53.50%	60.80%	68.10%	75.40%	82.70%	90.00%	92.50%
Projected Dividends (M)	0.24	0.26	0.27	0.28	0.29	0.29	0.31

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.62%	6.62%	6.62%
Growth Rate	-7.59%	-6.59%	-5.59%
Year 1 PV (M)	0.24	0.24	0.24
Year 2 PV (M)	0.23	0.24	0.24
Year 3 PV (M)	0.22	0.23	0.24
Year 4 PV (M)	0.21	0.22	0.23
Year 5 PV (M)	0.20	0.21	0.22
PV of Terminal Value (M)	5.84	6.16	6.50
Equity Value (M)	6.94	7.30	7.67
Shares Outstanding (M)	2.70	2.70	2.70
Fair Value	$2.57	$2.71	$2.84
Upside / Downside	-19.10%	-14.92%	-10.57%

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Gold By Gold S.A. (ALGLD.PA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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