DDM Analysis: NAVNETEDUL.BO

Valuation Snapshot

Stable Growth	$161.74 - $319.93	$223.85
Multi-Stage	$169.60 - $185.89	$177.60
Blended Fair Value	$200.72
Current Price	$142.34
Upside	41.02%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	-3.64%	5.10%	4.16	2.68	1.55	1.04	0.00	5.01	1.92	3.19	0.00	5.73
YoY Growth	-	-	55.50%	72.30%	48.78%	0.00%	-100.00%	161.35%	-39.91%	0.00%	-100.00%	126.36%
Dividend Yield	-	-	2.92%	1.73%	1.27%	1.11%	0.00%	6.55%	1.81%	2.54%	0.00%	5.91%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	2,137.20
(-) Cash Dividends Paid (M)	332.90
(=) Cash Retained (M)	1,804.30

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	427.44	267.15	160.29
Cash Retained (M)	1,804.30	1,804.30	1,804.30
(-) Cash Required (M)	-427.44	-267.15	-160.29
(=) Excess Retained (M)	1,376.86	1,537.15	1,644.01
(/) Shares Outstanding (M)	220.23	220.23	220.23
(=) Excess Retained per Share	6.25	6.98	7.46
LTM Dividend per Share	1.51	1.51	1.51
(+) Excess Retained per Share	6.25	6.98	7.46
(=) Adjusted Dividend	7.76	8.49	8.98
WACC / Discount Rate	8.05%	8.05%	8.05%
Growth Rate	3.10%	4.10%	5.10%
Fair Value	$161.74	$223.85	$319.93
Upside / Downside	13.63%	57.27%	124.77%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	2,137.20	2,224.91	2,316.21	2,411.27	2,510.22	2,613.24	2,691.63
Payout Ratio	15.58%	30.46%	45.35%	60.23%	75.12%	90.00%	92.50%
Projected Dividends (M)	332.90	677.73	1,050.31	1,452.32	1,885.56	2,351.91	2,489.76

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.05%	8.05%	8.05%
Growth Rate	3.10%	4.10%	5.10%
Year 1 PV (M)	621.20	627.22	633.25
Year 2 PV (M)	882.39	899.59	916.96
Year 3 PV (M)	1,118.35	1,151.21	1,184.70
Year 4 PV (M)	1,330.85	1,383.24	1,437.16
Year 5 PV (M)	1,521.54	1,596.77	1,674.95
PV of Terminal Value (M)	31,877.86	33,454.05	35,091.98
Equity Value (M)	37,352.19	39,112.08	40,938.99
Shares Outstanding (M)	220.23	220.23	220.23
Fair Value	$169.60	$177.60	$185.89
Upside / Downside	19.15%	24.77%	30.60%

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Navneet Education Limited (NAVNETEDUL.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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