DDM Analysis: CSSG.L

Valuation Snapshot

Stable Growth	$1.91 - $4.20	$2.75
Multi-Stage	$1.43 - $1.56	$1.49
Blended Fair Value	$2.12
Current Price	$0.83
Upside	156.79%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	14.02%	21.52%	0.02	0.02	0.02	0.02	0.02	0.01	0.02	0.01	0.01	0.00
YoY Growth	-	-	4.64%	-3.51%	5.03%	2.41%	77.44%	-35.18%	184.27%	5.95%	42.37%	31.11%
Dividend Yield	-	-	2.81%	3.08%	4.78%	3.10%	2.72%	1.73%	1.85%	0.62%	1.09%	1.24%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	1.33
(-) Cash Dividends Paid (M)	0.62
(=) Cash Retained (M)	0.71

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.27	0.17	0.10
Cash Retained (M)	0.71	0.71	0.71
(-) Cash Required (M)	-0.27	-0.17	-0.10
(=) Excess Retained (M)	0.45	0.54	0.61
(/) Shares Outstanding (M)	13.64	13.64	13.64
(=) Excess Retained per Share	0.03	0.04	0.04
LTM Dividend per Share	0.05	0.05	0.05
(+) Excess Retained per Share	0.03	0.04	0.04
(=) Adjusted Dividend	0.08	0.09	0.09
WACC / Discount Rate	9.81%	9.81%	9.81%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$1.91	$2.75	$4.20
Upside / Downside	131.46%	232.84%	409.15%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	1.33	1.42	1.51	1.61	1.71	1.82	1.88
Payout Ratio	46.50%	55.20%	63.90%	72.60%	81.30%	90.00%	92.50%
Projected Dividends (M)	0.62	0.78	0.96	1.17	1.39	1.64	1.73

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.81%	9.81%	9.81%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	0.70	0.71	0.72
Year 2 PV (M)	0.78	0.80	0.81
Year 3 PV (M)	0.86	0.88	0.91
Year 4 PV (M)	0.92	0.96	0.99
Year 5 PV (M)	0.98	1.03	1.08
PV of Terminal Value (M)	15.23	15.97	16.73
Equity Value (M)	19.47	20.34	21.23
Shares Outstanding (M)	13.64	13.64	13.64
Fair Value	$1.43	$1.49	$1.56
Upside / Downside	73.06%	80.74%	88.71%

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Croma Security Solutions Group plc (CSSG.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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