| Intrinsic Valuation of: SBIN | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 91 | Market Cap | ₹8,891B | |||||
| 2021 | - | - (-) | P/E Ratio | 11 | 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 | 8.3% (-0.4%) | |||||||||
| 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 (8.3%) | ||||||||||
| 2026 | ₹449B | MBG Intrinsic Value | ₹815 | ||||||||
| 2027 | ₹481B | ||||||||||
| 2028 | ₹510B | ||||||||||
| 2029 | ₹535B | ||||||||||
| 2030 | ₹555B | ||||||||||
| 2031 | ₹568B | ||||||||||
| Terminal Value | ₹12,884B | Net Worth/Share | ₹547 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹11,024B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹6,208B | ₹1,867 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 6.5% | 1,794 | 1,893 | 2,017 | 2,175 | 2,387 | |||
| Equity Value | ₹17,233B | 7.1% | 1,669 | 1,744 | 1,836 | 1,949 | 2,094 | ||||
| Shares Outstanding | 9,230,617,586 | 7.8% | 1,567 | 1,626 | 1,696 | 1,780 | 1,884 | ||||
| 8.4% | 1,484 | 1,531 | 1,585 | 1,650 | 1,728 | ||||||
| DCF Intrinsic Value | ₹1,867 | 9.0% | 1,416 | 1,454 | 1,498 | 1,549 | 1,609 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||