DDM Analysis: CHRT.L

Valuation Snapshot

Stable Growth	$28.51 - $167.33	$52.60
Multi-Stage	$16.94 - $18.52	$17.72
Blended Fair Value	$35.16
Current Price	$13.70
Upside	156.63%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	10.94%	13.88%	0.16	0.14	0.12	0.11	0.10	0.09	0.08	0.07	0.06	0.05
YoY Growth	-	-	15.68%	9.25%	9.39%	10.29%	10.23%	11.23%	14.14%	19.30%	17.89%	22.27%
Dividend Yield	-	-	1.15%	1.82%	2.87%	2.10%	1.61%	1.63%	2.26%	2.11%	1.47%	1.37%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	34.57
(-) Cash Dividends Paid (M)	12.07
(=) Cash Retained (M)	22.49

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	6.91	4.32	2.59
Cash Retained (M)	22.49	22.49	22.49
(-) Cash Required (M)	-6.91	-4.32	-2.59
(=) Excess Retained (M)	15.58	18.17	19.90
(/) Shares Outstanding (M)	41.08	41.08	41.08
(=) Excess Retained per Share	0.38	0.44	0.48
LTM Dividend per Share	0.29	0.29	0.29
(+) Excess Retained per Share	0.38	0.44	0.48
(=) Adjusted Dividend	0.67	0.74	0.78
WACC / Discount Rate	7.99%	7.99%	7.99%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$28.51	$52.60	$167.33
Upside / Downside	108.12%	283.96%	1,121.42%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	34.57	36.81	39.20	41.75	44.47	47.36	48.78
Payout Ratio	34.93%	45.95%	56.96%	67.97%	78.99%	90.00%	92.50%
Projected Dividends (M)	12.07	16.91	22.33	28.38	35.12	42.62	45.12

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.99%	7.99%	7.99%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	15.51	15.66	15.81
Year 2 PV (M)	18.79	19.15	19.51
Year 3 PV (M)	21.91	22.54	23.18
Year 4 PV (M)	24.87	25.83	26.81
Year 5 PV (M)	27.68	29.02	30.41
PV of Terminal Value (M)	587.21	615.57	645.02
Equity Value (M)	695.97	727.76	760.73
Shares Outstanding (M)	41.08	41.08	41.08
Fair Value	$16.94	$17.72	$18.52
Upside / Downside	23.66%	29.31%	35.17%

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Cohort plc (CHRT.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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