DDM Analysis: ISB.IC

Valuation Snapshot

Stable Growth	$825.42 - $2,704.68	$2,534.68
Multi-Stage	$359.47 - $393.15	$376.01
Blended Fair Value	$1,455.34
Current Price	$122.00
Upside	1,092.90%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	18.34%	0.00%	6.54	6.52	6.33	1.81	0.00	2.82	6.91	1.30	5.32	4.79
YoY Growth	-	-	0.40%	2.97%	250.00%	0.00%	-100.00%	-59.23%	430.83%	-75.51%	11.11%	0.00%
Dividend Yield	-	-	5.32%	6.45%	5.30%	1.43%	0.00%	2.98%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	25,578.00
(-) Cash Dividends Paid (M)	12,103.00
(=) Cash Retained (M)	13,475.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5,115.60	3,197.25	1,918.35
Cash Retained (M)	13,475.00	13,475.00	13,475.00
(-) Cash Required (M)	-5,115.60	-3,197.25	-1,918.35
(=) Excess Retained (M)	8,359.40	10,277.75	11,556.65
(/) Shares Outstanding (M)	1,880.75	1,880.75	1,880.75
(=) Excess Retained per Share	4.44	5.46	6.14
LTM Dividend per Share	6.44	6.44	6.44
(+) Excess Retained per Share	4.44	5.46	6.14
(=) Adjusted Dividend	10.88	11.90	12.58
WACC / Discount Rate	6.89%	6.89%	6.89%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$825.42	$2,534.68	$2,704.68
Upside / Downside	576.57%	1,977.61%	2,116.95%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	25,578.00	27,240.57	29,011.21	30,896.94	32,905.24	35,044.08	36,095.40
Payout Ratio	47.32%	55.85%	64.39%	72.93%	81.46%	90.00%	92.50%
Projected Dividends (M)	12,103.00	15,215.06	18,680.55	22,532.27	26,805.79	31,539.67	33,388.24

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.89%	6.89%	6.89%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	14,100.58	14,234.23	14,367.89
Year 2 PV (M)	16,044.13	16,349.73	16,658.21
Year 3 PV (M)	17,934.73	18,449.57	18,974.17
Year 4 PV (M)	19,773.42	20,533.85	21,316.01
Year 5 PV (M)	21,561.23	22,602.65	23,683.92
PV of Terminal Value (M)	586,667.84	615,004.12	644,424.89
Equity Value (M)	676,081.94	707,174.15	739,425.09
Shares Outstanding (M)	1,880.75	1,880.75	1,880.75
Fair Value	$359.47	$376.01	$393.15
Upside / Downside	194.65%	208.20%	222.26%

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Íslandsbanki hf. (ISB.IC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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