DDM Analysis: EBG.AX

Valuation Snapshot

Stable Growth	$18.86 - $22.22	$20.82
Multi-Stage	$12.58 - $13.81	$13.19
Blended Fair Value	$17.00
Current Price	$1.18
Upside	1,341.00%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	15.72%	0.00%	0.00	0.01	0.00	0.00	0.00	0.00	0.04	0.02	0.00	0.00
YoY Growth	-	-	-6.38%	79.39%	0.00%	-100.00%	-27.36%	-94.75%	121.25%	363.45%	0.00%	0.00%
Dividend Yield	-	-	0.41%	0.45%	0.26%	0.00%	0.21%	0.24%	4.97%	2.27%	0.62%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	5.10
(-) Cash Dividends Paid (M)	0.56
(=) Cash Retained (M)	4.54

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.02	0.64	0.38
Cash Retained (M)	4.54	4.54	4.54
(-) Cash Required (M)	-1.02	-0.64	-0.38
(=) Excess Retained (M)	3.52	3.90	4.15
(/) Shares Outstanding (M)	45.63	45.63	45.63
(=) Excess Retained per Share	0.08	0.09	0.09
LTM Dividend per Share	0.01	0.01	0.01
(+) Excess Retained per Share	0.08	0.09	0.09
(=) Adjusted Dividend	0.09	0.10	0.10
WACC / Discount Rate	2.62%	2.62%	2.62%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$18.86	$20.82	$22.22
Upside / Downside	1,498.12%	1,664.51%	1,782.85%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	5.10	5.43	5.78	6.16	6.56	6.98	7.19
Payout Ratio	11.04%	26.83%	42.63%	58.42%	74.21%	90.00%	92.50%
Projected Dividends (M)	0.56	1.46	2.46	3.60	4.87	6.29	6.65

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	2.62%	2.62%	2.62%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	1.41	1.42	1.43
Year 2 PV (M)	2.30	2.34	2.38
Year 3 PV (M)	3.24	3.33	3.42
Year 4 PV (M)	4.23	4.39	4.56
Year 5 PV (M)	5.27	5.52	5.79
PV of Terminal Value (M)	557.79	584.73	612.71
Equity Value (M)	574.23	601.73	630.29
Shares Outstanding (M)	45.63	45.63	45.63
Fair Value	$12.58	$13.19	$13.81
Upside / Downside	966.40%	1,017.48%	1,070.52%

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Eumundi Group Limited (EBG.AX)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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