| Intrinsic Valuation of: INDUSINDBK | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 33 | Market Cap | ₹685B | |||||
| 2021 | - | - (-) | P/E Ratio | 27 | Total Asset | ₹5,541B | |||||
| 2022 | ₹163B | - (-) | Net Income | ₹26B | Total Debt | ₹0 | |||||
| 2023 | ₹-130B | -180.0% (-169.3%) | EBITDA | - | Total Liab | ₹4,893B | |||||
| 2024 | ₹-177B | -35.7% (-15.1%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹175B | 199.4% (211.6%) | PreTax Margin | - | BV/Share | 832 | |||||
| 5Y Average FCF | ₹8B | -5.4% (9.1%) | |||||||||
| 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 | ₹182B | MBG Intrinsic Value | ₹296 | ||||||||
| 2027 | ₹190B | ||||||||||
| 2028 | ₹197B | ||||||||||
| 2029 | ₹205B | ||||||||||
| 2030 | ₹213B | ||||||||||
| 2031 | ₹222B | ||||||||||
| Terminal Value | ₹4,616B | Net Worth/Share | ₹832 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹3,944B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹594B | ₹5,825 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | 5,220 | 5,542 | 5,930 | 6,409 | 7,012 | |||
| Equity Value | ₹4,538B | 7.4% | 5,181 | 5,497 | 5,877 | 6,344 | 6,931 | ||||
| Shares Outstanding | 779,056,000 | 7.4% | 5,143 | 5,453 | 5,825 | 6,281 | 6,853 | ||||
| 7.9% | 4,797 | 5,053 | 5,355 | 5,718 | 6,164 | ||||||
| DCF Intrinsic Value | ₹5,825 | 8.4% | 4,501 | 4,715 | 4,964 | 5,259 | 5,614 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||