| Intrinsic Valuation of: SBIN | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 89 | Market Cap | ₹7,408B | |||||
| 2021 | - | - (-) | P/E Ratio | 9 | Total Asset | ₹73,142B | |||||
| 2022 | ₹544B | - (-) | Net Income | ₹776B | Total Debt | ₹0 | |||||
| 2023 | ₹-901B | -265.6% (-244.6%) | EBITDA | - | Total Liab | ₹68,091B | |||||
| 2024 | ₹175B | 119.4% (116.2%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹428B | 145.5% (127.3%) | PreTax Margin | - | BV/Share | 526 | |||||
| 5Y Average FCF | ₹62B | -0.2% (-0.4%) | |||||||||
| 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 | ₹446B | MBG Intrinsic Value | ₹796 | ||||||||
| 2027 | ₹463B | ||||||||||
| 2028 | ₹482B | ||||||||||
| 2029 | ₹501B | ||||||||||
| 2030 | ₹521B | ||||||||||
| 2031 | ₹542B | ||||||||||
| Terminal Value | ₹11,272B | Net Worth/Share | ₹547 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹9,631B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹6,208B | ₹1,716 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | 1,591 | 1,658 | 1,738 | 1,836 | 1,961 | |||
| Equity Value | ₹15,840B | 7.4% | 1,583 | 1,648 | 1,727 | 1,823 | 1,944 | ||||
| Shares Outstanding | 9,230,619,648 | 7.4% | 1,576 | 1,639 | 1,716 | 1,810 | 1,928 | ||||
| 7.9% | 1,504 | 1,557 | 1,619 | 1,694 | 1,786 | ||||||
| DCF Intrinsic Value | ₹1,716 | 8.4% | 1,443 | 1,487 | 1,539 | 1,599 | 1,673 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||