| Intrinsic Valuation of: BANKBARODA | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 38 | Market Cap | ₹1,352B | |||||
| 2021 | - | - (-) | P/E Ratio | 7 | 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% (71.9%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹286B | 474.3% (464.8%) | PreTax Margin | - | BV/Share | 282 | |||||
| 5Y Average FCF | ₹3B | 3.5% (-84.7%) | |||||||||
| 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): | 7.00% | Current US Bond Yield: | 3.48% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (3.5%) | ||||||||||
| 2026 | ₹256B | MBG Intrinsic Value | ₹343 | ||||||||
| 2027 | ₹264B | ||||||||||
| 2028 | ₹272B | ||||||||||
| 2029 | ₹280B | ||||||||||
| 2030 | ₹287B | ||||||||||
| 2031 | ₹295B | ||||||||||
| Terminal Value | ₹6,678B | Net Worth/Share | ₹286 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹5,756B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹1,325B | ₹1,369 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 6.5% | 1,302 | 1,393 | 1,508 | 1,655 | 1,850 | |||
| Equity Value | ₹7,081B | 7.1% | 1,186 | 1,256 | 1,340 | 1,445 | 1,579 | ||||
| Shares Outstanding | 5,171,362,179 | 7.8% | 1,092 | 1,146 | 1,211 | 1,289 | 1,385 | ||||
| 8.4% | 1,015 | 1,058 | 1,108 | 1,168 | 1,240 | ||||||
| DCF Intrinsic Value | ₹1,369 | 9.0% | 952 | 987 | 1,027 | 1,074 | 1,130 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||