DDM Analysis: BRIS.JK

Valuation Snapshot

Stable Growth	$8,901.21 - $32,194.01	$28,200.46
Multi-Stage	$4,014.96 - $4,396.23	$4,202.09
Blended Fair Value	$16,201.28
Current Price	$2,590.00
Upside	525.53%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	140.38%	0.00%	18.55	9.24	16.41	0.00	5.52	0.23	0.00	0.00	0.00	0.00
YoY Growth	-	-	100.83%	-43.73%	0.00%	-100.00%	2,290.32%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	0.79%	0.36%	0.98%	0.00%	0.25%	0.12%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	7,467,578.00
(-) Cash Dividends Paid (M)	1,050,883.00
(=) Cash Retained (M)	6,416,695.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1,493,515.60	933,447.25	560,068.35
Cash Retained (M)	6,416,695.00	6,416,695.00	6,416,695.00
(-) Cash Required (M)	-1,493,515.60	-933,447.25	-560,068.35
(=) Excess Retained (M)	4,923,179.40	5,483,247.75	5,856,626.65
(/) Shares Outstanding (M)	46,130.15	46,130.15	46,130.15
(=) Excess Retained per Share	106.72	118.86	126.96
LTM Dividend per Share	22.78	22.78	22.78
(+) Excess Retained per Share	106.72	118.86	126.96
(=) Adjusted Dividend	129.50	141.65	149.74
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$8,901.21	$28,200.46	$32,194.01
Upside / Downside	243.68%	988.82%	1,143.01%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	7,467,578.00	7,952,970.57	8,469,913.66	9,020,458.04	9,606,787.82	10,231,229.03	10,538,165.90
Payout Ratio	14.07%	29.26%	44.44%	59.63%	74.81%	90.00%	92.50%
Projected Dividends (M)	1,050,883.00	2,326,887.02	3,764,331.58	5,378,812.83	7,187,272.35	9,208,106.12	9,747,803.45

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2,153,538.41	2,173,951.10	2,194,363.79
Year 2 PV (M)	3,224,352.56	3,285,767.42	3,347,761.67
Year 3 PV (M)	4,264,011.92	4,386,416.38	4,511,141.23
Year 4 PV (M)	5,273,189.83	5,475,981.83	5,684,567.45
Year 5 PV (M)	6,252,546.72	6,554,547.06	6,868,105.67
PV of Terminal Value (M)	164,042,915.56	171,966,249.72	180,192,828.53
Equity Value (M)	185,210,555.00	193,842,913.51	202,798,768.34
Shares Outstanding (M)	46,130.15	46,130.15	46,130.15
Fair Value	$4,014.96	$4,202.09	$4,396.23
Upside / Downside	55.02%	62.24%	69.74%

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PT Bank Syariah Indonesia Tbk (BRIS.JK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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