DDM Analysis: PFDAVVNDA.CL

Valuation Snapshot

Stable Growth	$154,272.64 - $506,962.70	$475,098.29
Multi-Stage	$64,957.72 - $71,173.80	$68,008.40
Blended Fair Value	$271,553.35
Current Price	$24,520.00
Upside	1,007.48%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-79.60%	-53.44%	0.27	935.96	992.67	0.01	855.43	777.99	740.90	879.54	800.18	717.74
YoY Growth	-	-	-99.97%	-5.71%	16,137,366.67%	-100.00%	9.95%	5.01%	-15.76%	9.92%	11.48%	25.08%
Dividend Yield	-	-	0.00%	4.37%	4.12%	0.00%	2.87%	2.55%	1.96%	2.92%	2.67%	2.68%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	1,243,213.00
(-) Cash Dividends Paid (M)	6.00
(=) Cash Retained (M)	1,243,207.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	248,642.60	155,401.63	93,240.98
Cash Retained (M)	1,243,207.00	1,243,207.00	1,243,207.00
(-) Cash Required (M)	-248,642.60	-155,401.63	-93,240.98
(=) Excess Retained (M)	994,564.40	1,087,805.38	1,149,966.03
(/) Shares Outstanding (M)	487.70	487.70	487.70
(=) Excess Retained per Share	2,039.31	2,230.50	2,357.95
LTM Dividend per Share	0.01	0.01	0.01
(+) Excess Retained per Share	2,039.31	2,230.50	2,357.95
(=) Adjusted Dividend	2,039.32	2,230.51	2,357.97
WACC / Discount Rate	6.89%	6.89%	6.89%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$154,272.64	$475,098.29	$506,962.70
Upside / Downside	529.17%	1,837.59%	1,967.55%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	1,243,213.00	1,324,021.85	1,410,083.26	1,501,738.68	1,599,351.69	1,703,309.55	1,754,408.84
Payout Ratio	0.00%	18.00%	36.00%	54.00%	72.00%	90.00%	92.50%
Projected Dividends (M)	6.00	238,329.04	507,634.06	810,941.78	1,151,534.76	1,532,978.60	1,622,828.17

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.89%	6.89%	6.89%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	220,863.56	222,957.05	225,050.54
Year 2 PV (M)	435,958.28	444,262.06	452,644.18
Year 3 PV (M)	645,402.95	663,930.15	682,808.57
Year 4 PV (M)	849,308.38	881,970.39	915,565.52
Year 5 PV (M)	1,047,783.46	1,098,391.79	1,150,937.03
PV of Terminal Value (M)	28,480,344.87	29,855,956.18	31,284,215.37
Equity Value (M)	31,679,661.51	33,167,467.62	34,711,221.21
Shares Outstanding (M)	487.70	487.70	487.70
Fair Value	$64,957.72	$68,008.40	$71,173.80
Upside / Downside	164.92%	177.36%	190.27%

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Banco Davivienda S.A. (PFDAVVNDA.CL)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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