| Intrinsic Valuation of: AUBANK | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 29 | Market Cap | ₹535B | |||||
| 2021 | - | - (-) | P/E Ratio | 24 | Total Asset | ₹1,578B | |||||
| 2022 | ₹66B | - (-) | Net Income | ₹21B | Total Debt | ₹0 | |||||
| 2023 | ₹52B | -21.0% (-38.8%) | EBITDA | - | Total Liab | ₹1,407B | |||||
| 2024 | ₹23B | -56.4% (-65.3%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹52B | 129.8% (49.5%) | PreTax Margin | - | BV/Share | 230 | |||||
| 5Y Average FCF | ₹48B | 17.5% (-18.2%) | |||||||||
| Overall Market Assumptions: | |||||||||||
| Assumptions: | P/E for No-Growth Company: | 7.0 | |||||||||
| Perpetual Growth Rate (g): | 2.5% | Historical US Bond Yield: | 4.4% | ||||||||
| Discount Rate (WACC): | 7.4% | Current US Bond Yield: | 3.5% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (17.5%) | ||||||||||
| 2026 | ₹61B | MBG Intrinsic Value | ₹262 | ||||||||
| 2027 | ₹72B | ||||||||||
| 2028 | ₹84B | ||||||||||
| 2029 | ₹99B | ||||||||||
| 2030 | ₹116B | ||||||||||
| 2031 | ₹137B | ||||||||||
| Terminal Value | ₹2,841B | Net Worth/Share | ₹230 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹2,279B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹96B | ₹3,187 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | 2,798 | 3,005 | 3,255 | 3,563 | 3,951 | |||
| Equity Value | ₹2,375B | 7.4% | 2,773 | 2,976 | 3,221 | 3,521 | 3,899 | ||||
| Shares Outstanding | 745,193,024 | 7.4% | 2,749 | 2,948 | 3,187 | 3,481 | 3,849 | ||||
| 7.9% | 2,528 | 2,693 | 2,887 | 3,121 | 3,408 | ||||||
| DCF Intrinsic Value | ₹3,187 | 8.4% | 2,340 | 2,477 | 2,638 | 2,828 | 3,056 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||