DDM Analysis: SJOVA.IC

Valuation Snapshot

Stable Growth	$62.79 - $137.06	$90.05
Multi-Stage	$49.68 - $54.03	$51.82
Blended Fair Value	$70.93
Current Price	$46.00
Upside	54.20%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	30.30%	0.00%	2.10	1.62	3.26	2.27	0.00	0.56	1.28	2.22	0.56	3.42
YoY Growth	-	-	29.54%	-50.22%	43.36%	0.00%	-100.00%	-56.36%	-42.32%	294.78%	-83.56%	0.00%
Dividend Yield	-	-	4.59%	4.27%	9.05%	6.31%	0.00%	3.31%	7.74%	12.73%	3.21%	26.66%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	3,773.97
(-) Cash Dividends Paid (M)	3,400.37
(=) Cash Retained (M)	373.60

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	754.79	471.75	283.05
Cash Retained (M)	373.60	373.60	373.60
(-) Cash Required (M)	-754.79	-471.75	-283.05
(=) Excess Retained (M)	-381.19	-98.15	90.55
(/) Shares Outstanding (M)	1,167.56	1,167.56	1,167.56
(=) Excess Retained per Share	-0.33	-0.08	0.08
LTM Dividend per Share	2.91	2.91	2.91
(+) Excess Retained per Share	-0.33	-0.08	0.08
(=) Adjusted Dividend	2.59	2.83	2.99
WACC / Discount Rate	9.85%	9.85%	9.85%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$62.79	$90.05	$137.06
Upside / Downside	36.49%	95.75%	197.96%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	3,773.97	4,019.28	4,280.54	4,558.77	4,855.09	5,170.67	5,325.79
Payout Ratio	90.10%	90.08%	90.06%	90.04%	90.02%	90.00%	92.50%
Projected Dividends (M)	3,400.37	3,620.59	3,855.07	4,104.73	4,370.56	4,653.60	4,926.36

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.85%	9.85%	9.85%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	3,265.14	3,296.09	3,327.04
Year 2 PV (M)	3,135.28	3,195.00	3,255.28
Year 3 PV (M)	3,010.59	3,097.01	3,185.07
Year 4 PV (M)	2,890.85	3,002.03	3,116.38
Year 5 PV (M)	2,775.88	2,909.96	3,049.16
PV of Terminal Value (M)	42,929.75	45,003.27	47,156.16
Equity Value (M)	58,007.49	60,503.35	63,089.08
Shares Outstanding (M)	1,167.56	1,167.56	1,167.56
Fair Value	$49.68	$51.82	$54.03
Upside / Downside	8.01%	12.65%	17.47%

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Sjóvá-Almennar tryggingar hf. (SJOVA.IC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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