DDM Analysis: SNZ.AX

Valuation Snapshot

Stable Growth	$207.01 - $649.15	$608.35
Multi-Stage	$85.23 - $93.36	$89.22
Blended Fair Value	$348.79
Current Price	$11.26
Upside	2,997.58%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	11.41%	12.83%	0.14	0.15	0.12	0.10	0.08	0.08	0.08	0.08	0.06	0.04
YoY Growth	-	-	-2.18%	21.74%	18.78%	22.30%	-0.79%	9.92%	-10.46%	51.59%	52.76%	-14.55%
Dividend Yield	-	-	1.07%	1.42%	1.34%	0.74%	0.65%	0.92%	1.20%	1.62%	1.14%	0.94%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	770.27
(-) Cash Dividends Paid (M)	68.63
(=) Cash Retained (M)	701.64

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	154.05	96.28	57.77
Cash Retained (M)	701.64	701.64	701.64
(-) Cash Required (M)	-154.05	-96.28	-57.77
(=) Excess Retained (M)	547.59	605.36	643.87
(/) Shares Outstanding (M)	235.98	235.98	235.98
(=) Excess Retained per Share	2.32	2.57	2.73
LTM Dividend per Share	0.29	0.29	0.29
(+) Excess Retained per Share	2.32	2.57	2.73
(=) Adjusted Dividend	2.61	2.86	3.02
WACC / Discount Rate	6.83%	6.83%	6.83%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$207.01	$608.35	$649.15
Upside / Downside	1,738.46%	5,302.77%	5,665.13%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	770.27	820.34	873.66	930.45	990.93	1,055.34	1,087.00
Payout Ratio	8.91%	25.13%	41.35%	57.56%	73.78%	90.00%	92.50%
Projected Dividends (M)	68.63	206.14	361.23	535.61	731.13	949.81	1,005.48

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.83%	6.83%	6.83%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	191.14	192.96	194.77
Year 2 PV (M)	310.59	316.51	322.48
Year 3 PV (M)	427.04	439.29	451.79
Year 4 PV (M)	540.53	561.32	582.70
Year 5 PV (M)	651.13	682.58	715.23
PV of Terminal Value (M)	17,993.37	18,862.45	19,764.80
Equity Value (M)	20,113.80	21,055.11	22,031.76
Shares Outstanding (M)	235.98	235.98	235.98
Fair Value	$85.23	$89.22	$93.36
Upside / Downside	656.97%	692.39%	729.15%

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Summerset Group Holdings Limited (SNZ.AX)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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