DDM Analysis: STVG.L

Valuation Snapshot

Stable Growth	$17.64 - $49.74	$46.60
Multi-Stage	$24.21 - $26.62	$25.39
Blended Fair Value	$36.00
Current Price	$1.75
Upside	1,956.86%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-7.67%	12.29%	0.11	0.11	0.11	0.09	0.00	0.16	0.15	0.13	0.09	0.07
YoY Growth	-	-	-1.92%	1.96%	15.91%	0.00%	-100.00%	10.14%	11.29%	44.19%	26.47%	112.50%
Dividend Yield	-	-	4.94%	5.66%	3.95%	2.69%	0.00%	3.94%	4.22%	4.06%	2.60%	1.43%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	12.00
(-) Cash Dividends Paid (M)	10.20
(=) Cash Retained (M)	1.80

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.40	1.50	0.90
Cash Retained (M)	1.80	1.80	1.80
(-) Cash Required (M)	-2.40	-1.50	-0.90
(=) Excess Retained (M)	-0.60	0.30	0.90
(/) Shares Outstanding (M)	46.67	46.67	46.67
(=) Excess Retained per Share	-0.01	0.01	0.02
LTM Dividend per Share	0.22	0.22	0.22
(+) Excess Retained per Share	-0.01	0.01	0.02
(=) Adjusted Dividend	0.21	0.22	0.24
WACC / Discount Rate	3.75%	3.75%	3.75%
Growth Rate	2.56%	3.56%	4.56%
Fair Value	$17.64	$46.60	$49.74
Upside / Downside	907.75%	2,562.74%	2,742.08%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	12.00	12.43	12.87	13.33	13.80	14.29	14.72
Payout Ratio	85.00%	86.00%	87.00%	88.00%	89.00%	90.00%	92.50%
Projected Dividends (M)	10.20	10.69	11.20	11.73	12.28	12.86	13.62

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	3.75%	3.75%	3.75%
Growth Rate	2.56%	3.56%	4.56%
Year 1 PV (M)	10.20	10.30	10.40
Year 2 PV (M)	10.20	10.40	10.60
Year 3 PV (M)	10.20	10.50	10.81
Year 4 PV (M)	10.20	10.60	11.01
Year 5 PV (M)	10.19	10.70	11.22
PV of Terminal Value (M)	1,078.89	1,132.53	1,188.28
Equity Value (M)	1,129.88	1,185.03	1,242.33
Shares Outstanding (M)	46.67	46.67	46.67
Fair Value	$24.21	$25.39	$26.62
Upside / Downside	1,283.45%	1,350.97%	1,421.13%

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STV Group plc (STVG.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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