| Intrinsic Valuation of: BANKINDIA | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 21 | Market Cap | ₹551B | |||||
| 2021 | - | - (-) | P/E Ratio | 6 | Total Asset | ₹10,564B | |||||
| 2022 | ₹-359B | - (-) | Net Income | ₹95B | Total Debt | ₹0 | |||||
| 2023 | ₹-77B | 78.6% (82.5%) | EBITDA | - | Total Liab | ₹9,755B | |||||
| 2024 | ₹-53B | 31.0% (38.3%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹178B | 436.9% (392.7%) | PreTax Margin | - | BV/Share | 177 | |||||
| 5Y Average FCF | ₹-78B | 182.2% (171.2%) | |||||||||
| 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 (25.0%) | ||||||||||
| 2026 | ₹223B | MBG Intrinsic Value | ₹188 | ||||||||
| 2027 | ₹278B | ||||||||||
| 2028 | ₹348B | ||||||||||
| 2029 | ₹435B | ||||||||||
| 2030 | ₹544B | ||||||||||
| 2031 | ₹679B | ||||||||||
| Terminal Value | ₹14,127B | Net Worth/Share | ₹178 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹11,067B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹1,008B | ₹2,652 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | 2,335 | 2,504 | 2,707 | 2,958 | 3,274 | |||
| Equity Value | ₹12,075B | 7.4% | 2,315 | 2,480 | 2,679 | 2,924 | 3,232 | ||||
| Shares Outstanding | 4,552,670,208 | 7.4% | 2,296 | 2,457 | 2,652 | 2,891 | 3,191 | ||||
| 7.9% | 2,117 | 2,250 | 2,409 | 2,599 | 2,832 | ||||||
| DCF Intrinsic Value | ₹2,652 | 8.4% | 1,964 | 2,076 | 2,206 | 2,361 | 2,547 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||