| Intrinsic Valuation of: AUBANK | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2021 | - | - | EPS (FY) | 35 | Market Cap | ₹741B | |||||
| 2022 | - | - (-) | P/E Ratio | 28 | Total Asset | ₹1,918B | |||||
| 2023 | ₹52B | - (-) | Net Income | ₹26B | Total Debt | ₹0 | |||||
| 2024 | ₹23B | -56.4% (-65.3%) | EBITDA | - | Total Liab | ₹1,718B | |||||
| 2025 | ₹52B | 129.8% (49.5%) | Opr Margin | - | Debt/Equity | - | |||||
| 2026 | ₹10B | -80.4% (-82.9%) | PreTax Margin | - | BV/Share | 267 | |||||
| 5Y Average FCF | ₹34B | 15.0% (-32.9%) | |||||||||
| Overall Market Assumptions: | |||||||||||
| Assumptions: | P/E for No-Growth Company: | 7.0 | |||||||||
| Perpetual Growth Rate (g): | 2.48% | Historical US Bond Yield: | 4.40% | ||||||||
| Discount Rate (WACC): | 8.98% | Current US Bond Yield: | 3.48% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (15.0%) | ||||||||||
| 2027 | ₹20B | MBG Intrinsic Value | ₹313 | ||||||||
| 2028 | ₹23B | ||||||||||
| 2029 | ₹25B | ||||||||||
| 2030 | ₹27B | ||||||||||
| 2031 | ₹28B | ||||||||||
| 2032 | ₹29B | ||||||||||
| Terminal Value | ₹451B | Net Worth/Share | ₹267 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹380B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹85B | ₹622 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.0% | 742 | 792 | 852 | 928 | 1,026 | |||
| Equity Value | ₹465B | 8.0% | 643 | 676 | 716 | 763 | 821 | ||||
| Shares Outstanding | 748,358,789 | 9.0% | 570 | 594 | 622 | 653 | 691 | ||||
| 10.0% | 515 | 533 | 552 | 575 | 601 | ||||||
| DCF Intrinsic Value | ₹622 | 11.0% | 471 | 485 | 499 | 516 | 535 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||