DDM Analysis: BBIK.BK

Valuation Snapshot

Stable Growth	$116.47 - $335.07	$314.01
Multi-Stage	$45.52 - $49.86	$47.65
Blended Fair Value	$180.83
Current Price	$19.00
Upside	851.73%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017
DPS	15.74%	0.00%	0.21	0.23	0.19	0.46	0.00	0.10	0.00	0.00	0.00	0.00
YoY Growth	-	-	-10.60%	23.89%	-59.46%	0.00%	-100.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	0.73%	0.44%	0.30%	1.28%	0.00%	1.02%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	336.99
(-) Cash Dividends Paid (M)	44.41
(=) Cash Retained (M)	292.57

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	67.40	42.12	25.27
Cash Retained (M)	292.57	292.57	292.57
(-) Cash Required (M)	-67.40	-42.12	-25.27
(=) Excess Retained (M)	225.18	250.45	267.30
(/) Shares Outstanding (M)	200.02	200.02	200.02
(=) Excess Retained per Share	1.13	1.25	1.34
LTM Dividend per Share	0.22	0.22	0.22
(+) Excess Retained per Share	1.13	1.25	1.34
(=) Adjusted Dividend	1.35	1.47	1.56
WACC / Discount Rate	6.72%	6.72%	6.72%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$116.47	$314.01	$335.07
Upside / Downside	513.02%	1,552.66%	1,663.51%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	336.99	358.89	382.22	407.06	433.52	461.70	475.55
Payout Ratio	13.18%	28.54%	43.91%	59.27%	74.64%	90.00%	92.50%
Projected Dividends (M)	44.41	102.44	167.82	241.27	323.56	415.53	439.89

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.72%	6.72%	6.72%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	95.09	95.99	96.89
Year 2 PV (M)	144.60	147.35	150.13
Year 3 PV (M)	192.96	198.50	204.15
Year 4 PV (M)	240.20	249.44	258.94
Year 5 PV (M)	286.33	300.16	314.52
PV of Terminal Value (M)	8,146.41	8,539.88	8,948.42
Equity Value (M)	9,105.59	9,531.32	9,973.04
Shares Outstanding (M)	200.02	200.02	200.02
Fair Value	$45.52	$47.65	$49.86
Upside / Downside	139.60%	150.80%	162.43%

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Bluebik Group Public Company Limited (BBIK.BK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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