| Intrinsic Valuation of: POLICYBZR | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 8 | Market Cap | ₹839B | |||||
| 2021 | - | - (-) | P/E Ratio | 238 | Total Asset | ₹75B | |||||
| 2022 | ₹-16B | - (-) | Net Income | ₹4B | Total Debt | ₹0 | |||||
| 2023 | ₹-4B | 77.2% (87.3%) | EBITDA | ₹7B | Total Liab | ₹11B | |||||
| 2024 | ₹-547M | 85.0% (88.8%) | Opr Margin | 0.02 | Debt/Equity | - | |||||
| 2025 | ₹-3B | -412.4% (-253.9%) | PreTax Margin | -1.23 | BV/Share | 140 | |||||
| 5Y Average FCF | ₹-6B | -83.4% (-25.9%) | |||||||||
| 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 | ₹-6B | MBG Intrinsic Value | ₹69 | ||||||||
| 2027 | ₹-6B | ||||||||||
| 2028 | ₹-6B | ||||||||||
| 2029 | ₹-7B | ||||||||||
| 2030 | ₹-7B | ||||||||||
| 2031 | ₹-7B | ||||||||||
| Terminal Value | ₹-151B | Net Worth/Share | ₹141 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹-129B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹6B | ₹-270 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | -236 | -254 | -276 | -303 | -336 | |||
| Equity Value | ₹-124B | 7.4% | -234 | -252 | -273 | -299 | -332 | ||||
| Shares Outstanding | 457,968,992 | 7.4% | -232 | -249 | -270 | -295 | -327 | ||||
| 7.9% | -213 | -227 | -244 | -264 | -289 | ||||||
| DCF Intrinsic Value | ₹-270 | 8.4% | -196 | -208 | -222 | -238 | -258 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||