| Intrinsic Valuation of: BANKINDIA | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 23 | Market Cap | ₹648B | |||||
| 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 | 15.0% (171.2%) | |||||||||
| 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): | 8.01% | 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%) | ||||||||||
| 2026 | ₹205B | MBG Intrinsic Value | ₹203 | ||||||||
| 2027 | ₹230B | ||||||||||
| 2028 | ₹253B | ||||||||||
| 2029 | ₹272B | ||||||||||
| 2030 | ₹286B | ||||||||||
| 2031 | ₹293B | ||||||||||
| Terminal Value | ₹5,430B | Net Worth/Share | ₹178 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹4,587B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹1,008B | ₹1,229 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 6.5% | 1,383 | 1,486 | 1,616 | 1,782 | 2,003 | |||
| Equity Value | ₹5,595B | 7.4% | 1,206 | 1,276 | 1,362 | 1,466 | 1,598 | ||||
| Shares Outstanding | 4,552,667,866 | 8.3% | 1,074 | 1,125 | 1,185 | 1,256 | 1,342 | ||||
| 9.1% | 975 | 1,013 | 1,056 | 1,107 | 1,167 | ||||||
| DCF Intrinsic Value | ₹1,229 | 10.0% | 894 | 923 | 957 | 994 | 1,038 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||