| Intrinsic Valuation of: INDUSINDBK | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2021 | - | - | EPS (FY) | 11 | Market Cap | ₹691B | |||||
| 2022 | - | - (-) | P/E Ratio | 78 | Total Asset | ₹5,434B | |||||
| 2023 | ₹-130B | - (-) | Net Income | ₹9B | Total Debt | ₹0 | |||||
| 2024 | ₹-177B | -35.7% (-17.3%) | EBITDA | - | Total Liab | ₹4,777B | |||||
| 2025 | ₹175B | 199.4% (209.6%) | Opr Margin | - | Debt/Equity | - | |||||
| 2026 | ₹3B | -98.3% (-98.2%) | PreTax Margin | - | BV/Share | 844 | |||||
| 5Y Average FCF | ₹-32B | 8.9% (31.4%) | |||||||||
| 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 (8.9%) | ||||||||||
| 2027 | ₹31B | MBG Intrinsic Value | ₹102 | ||||||||
| 2028 | ₹34B | ||||||||||
| 2029 | ₹36B | ||||||||||
| 2030 | ₹38B | ||||||||||
| 2031 | ₹39B | ||||||||||
| 2032 | ₹40B | ||||||||||
| Terminal Value | ₹911B | Net Worth/Share | ₹844 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹779B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹489B | ₹1,627 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 6.5% | 1,566 | 1,649 | 1,753 | 1,886 | 2,063 | |||
| Equity Value | ₹1,268B | 7.1% | 1,462 | 1,525 | 1,601 | 1,697 | 1,818 | ||||
| Shares Outstanding | 779,106,092 | 7.8% | 1,377 | 1,426 | 1,484 | 1,555 | 1,642 | ||||
| 8.4% | 1,307 | 1,346 | 1,392 | 1,446 | 1,511 | ||||||
| DCF Intrinsic Value | ₹1,627 | 9.0% | 1,250 | 1,282 | 1,318 | 1,361 | 1,411 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||