| Intrinsic Valuation of: UBL | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2021 | - | - | EPS (FY) | 16 | Market Cap | ₹362B | |||||
| 2022 | - | - (-) | P/E Ratio | 88 | Total Asset | ₹97B | |||||
| 2023 | ₹-3B | - (-) | Net Income | ₹4B | Total Debt | ₹0 | |||||
| 2024 | ₹-1B | 55.8% (58.8%) | EBITDA | ₹9B | Total Liab | ₹52B | |||||
| 2025 | ₹-448M | 63.3% (67.6%) | Opr Margin | 5.77 | Debt/Equity | - | |||||
| 2026 | ₹-768M | -71.5% (-65.5%) | PreTax Margin | 5.00 | BV/Share | 171 | |||||
| 5Y Average FCF | ₹-1B | 2.5% (20.3%) | |||||||||
| 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 (2.5%) | ||||||||||
| 2027 | ₹0 | MBG Intrinsic Value | ₹139 | ||||||||
| 2028 | ₹0 | ||||||||||
| 2029 | ₹0 | ||||||||||
| 2030 | ₹0 | ||||||||||
| 2031 | ₹0 | ||||||||||
| 2032 | ₹0 | ||||||||||
| Terminal Value | ₹0 | Net Worth/Share | ₹171 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹0 | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹5B | ₹17 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 6.5% | 17 | 17 | 17 | 17 | 17 | |||
| Equity Value | ₹5B | 7.1% | 17 | 17 | 17 | 17 | 17 | ||||
| Shares Outstanding | 264,405,149 | 7.8% | 17 | 17 | 17 | 17 | 17 | ||||
| 8.4% | 17 | 17 | 17 | 17 | 17 | ||||||
| DCF Intrinsic Value | ₹17 | 9.0% | 17 | 17 | 17 | 17 | 17 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||