DDM Analysis: CRJ.WA

Valuation Snapshot

Stable Growth	$213.09 - $324.82	$265.44
Multi-Stage	$452.76 - $498.11	$474.99
Blended Fair Value	$370.21
Current Price	$440.00
Upside	-15.86%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017
DPS	0.00%	0.00%	12.85	39.21	20.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	-67.23%	91.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	3.64%	7.00%	2.48%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	17.16
(-) Cash Dividends Paid (M)	7.95
(=) Cash Retained (M)	9.21

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	3.43	2.14	1.29
Cash Retained (M)	9.21	9.21	9.21
(-) Cash Required (M)	-3.43	-2.14	-1.29
(=) Excess Retained (M)	5.78	7.06	7.92
(/) Shares Outstanding (M)	0.71	0.71	0.71
(=) Excess Retained per Share	8.10	9.90	11.10
LTM Dividend per Share	11.15	11.15	11.15
(+) Excess Retained per Share	8.10	9.90	11.10
(=) Adjusted Dividend	19.24	21.05	22.25
WACC / Discount Rate	6.85%	6.85%	6.85%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$213.09	$265.44	$324.82
Upside / Downside	-51.57%	-39.67%	-26.18%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	17.16	16.99	16.82	16.65	16.48	16.32	16.81
Payout Ratio	46.34%	55.07%	63.80%	72.54%	81.27%	90.00%	92.50%
Projected Dividends (M)	7.95	9.36	10.73	12.08	13.40	14.69	15.55

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.85%	6.85%	6.85%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	8.67	8.76	8.84
Year 2 PV (M)	9.21	9.40	9.59
Year 3 PV (M)	9.60	9.90	10.20
Year 4 PV (M)	9.87	10.28	10.70
Year 5 PV (M)	10.02	10.55	11.09
PV of Terminal Value (M)	275.63	289.98	304.93
Equity Value (M)	323.00	338.86	355.35
Shares Outstanding (M)	0.71	0.71	0.71
Fair Value	$452.76	$474.99	$498.11
Upside / Downside	2.90%	7.95%	13.21%

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Creepy Jar S.A. (CRJ.WA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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