SBI

SBI — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

ModelIntrinsic Valuevs Price ($7.97)
DCF$-1.46-118.3%
Graham Number$4.60-42.3%
Reverse DCFimplied g: 47.2%
DDM$10.30+29.2%
EV/EBITDA

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: $904,115
Rev: -1.7% / EPS: 15.6%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$-1.46
Current Price$7.97
Upside / Downside-118.3%
Net Debt (used)$49.87M
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term7.6%11.6%15.6%19.6%23.6%
7.0%$-1.32$-0.90$-0.42$0.13$0.76
8.0%$-1.75$-1.41$-1.03$-0.59$-0.10
9.0%$-2.04$-1.77$-1.46$-1.10$-0.69
10.0%$-2.26$-2.03$-1.76$-1.46$-1.12
11.0%$-2.42$-2.23$-2.00$-1.74$-1.44

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $0.11
Yahoo: $8.55

Results

Graham Number$4.60
Current Price$7.97
Margin of Safety-42.3%
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Current Price$7.97
Implied Near-term FCF Growth47.2%
Historical Revenue Growth-1.7%
Historical Earnings Growth15.6%
Base FCF (TTM)$904,115
Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Yahoo: $0.50

Results

DDM Intrinsic Value / share$10.30
Current Price$7.97
Upside / Downside+29.2%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: —
Current: —×
Default: $49.87M

Results

Implied Equity Value / share$-3.54
Current Price$7.97
Upside / Downside-144.4%
Implied EV$0