| Intrinsic Valuation of: BANKBARODA | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 40 | Market Cap | ₹1,286B | |||||
| 2021 | - | - (-) | P/E Ratio | 6 | Total Asset | ₹18,618B | |||||
| 2022 | ₹28B | - (-) | Net Income | ₹207B | Total Debt | ₹0 | |||||
| 2023 | ₹-223B | -896.3% (-790.7%) | EBITDA | - | Total Liab | ₹17,140B | |||||
| 2024 | ₹-76B | 65.8% (73.5%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹286B | 474.3% (460.6%) | PreTax Margin | - | BV/Share | 282 | |||||
| 5Y Average FCF | ₹3B | -118.7% (-85.5%) | |||||||||
| 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 (4.0%) | ||||||||||
| 2026 | ₹297B | MBG Intrinsic Value | ₹358 | ||||||||
| 2027 | ₹309B | ||||||||||
| 2028 | ₹321B | ||||||||||
| 2029 | ₹334B | ||||||||||
| 2030 | ₹347B | ||||||||||
| 2031 | ₹361B | ||||||||||
| Terminal Value | ₹7,513B | Net Worth/Share | ₹286 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹6,419B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹1,325B | ₹1,497 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | 1,349 | 1,428 | 1,523 | 1,641 | 1,789 | |||
| Equity Value | ₹7,744B | 7.4% | 1,340 | 1,417 | 1,510 | 1,625 | 1,769 | ||||
| Shares Outstanding | 5,171,359,744 | 7.4% | 1,330 | 1,406 | 1,497 | 1,609 | 1,750 | ||||
| 7.9% | 1,246 | 1,308 | 1,382 | 1,471 | 1,581 | ||||||
| DCF Intrinsic Value | ₹1,497 | 8.4% | 1,173 | 1,225 | 1,286 | 1,359 | 1,446 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||