DDM Analysis: LAHOTIOV.BO

Valuation Snapshot

Stable Growth	$23.23 - $33.18	$28.11
Multi-Stage	$46.24 - $51.03	$48.58
Blended Fair Value	$38.35
Current Price	$49.20
Upside	-22.06%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	-22.65%	-6.70%	0.20	0.20	0.40	0.40	0.00	0.72	0.20	0.48	0.00	0.40
YoY Growth	-	-	0.00%	-50.00%	0.00%	0.00%	-100.00%	261.09%	-58.46%	0.00%	-100.00%	0.00%
Dividend Yield	-	-	0.40%	0.38%	1.45%	0.98%	0.00%	7.19%	1.35%	3.09%	0.00%	4.33%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	101.76
(-) Cash Dividends Paid (M)	2.92
(=) Cash Retained (M)	98.85

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	20.35	12.72	7.63
Cash Retained (M)	98.85	98.85	98.85
(-) Cash Required (M)	-20.35	-12.72	-7.63
(=) Excess Retained (M)	78.49	86.12	91.21
(/) Shares Outstanding (M)	29.31	29.31	29.31
(=) Excess Retained per Share	2.68	2.94	3.11
LTM Dividend per Share	0.10	0.10	0.10
(+) Excess Retained per Share	2.68	2.94	3.11
(=) Adjusted Dividend	2.78	3.04	3.21
WACC / Discount Rate	7.72%	7.72%	7.72%
Growth Rate	-3.78%	-2.78%	-1.78%
Fair Value	$23.23	$28.11	$33.18
Upside / Downside	-52.79%	-42.86%	-32.56%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	101.76	98.93	96.18	93.50	90.90	88.37	91.02
Payout Ratio	2.87%	20.29%	37.72%	55.15%	72.57%	90.00%	92.50%
Projected Dividends (M)	2.92	20.08	36.28	51.56	65.97	79.53	84.19

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.72%	7.72%	7.72%
Growth Rate	-3.78%	-2.78%	-1.78%
Year 1 PV (M)	18.45	18.64	18.83
Year 2 PV (M)	30.62	31.26	31.91
Year 3 PV (M)	39.99	41.25	42.54
Year 4 PV (M)	47.01	48.99	51.04
Year 5 PV (M)	52.07	54.83	57.71
PV of Terminal Value (M)	1,167.24	1,229.17	1,293.70
Equity Value (M)	1,355.37	1,424.14	1,495.72
Shares Outstanding (M)	29.31	29.31	29.31
Fair Value	$46.24	$48.58	$51.03
Upside / Downside	-6.02%	-1.25%	3.71%

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Lahoti Overseas Limited (LAHOTIOV.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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