VBNK

VBNK — Valuation Models

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

Valuation Summary

ModelIntrinsic Valuevs Price ($16.93)
DCF$14.87-12.2%
Graham Number$13.46-20.5%
Reverse DCF
DDM$1.44-91.5%
EV/EBITDA

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

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: —
Rev: 23.1% / EPS: -20.5%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$14.87
Current Price$16.93
Upside / Downside-12.2%
Net Debt (used)-$475.11M
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term15.1%19.1%23.1%27.1%31.1%
7.0%$14.87$14.87$14.87$14.87$14.87
8.0%$14.87$14.87$14.87$14.87$14.87
9.0%$14.87$14.87$14.87$14.87$14.87
10.0%$14.87$14.87$14.87$14.87$14.87
11.0%$14.87$14.87$14.87$14.87$14.87

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $0.66
Yahoo: $12.20

Results

Graham Number$13.46
Current Price$16.93
Margin of Safety-20.5%
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Reverse DCF requires positive TTM free cash flow.
Current Price$16.93
Implied Near-term FCF Growth
Historical Revenue Growth23.1%
Historical Earnings Growth-20.5%
Base FCF (TTM)
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: $0.07

Results

DDM Intrinsic Value / share$1.44
Current Price$16.93
Upside / Downside-91.5%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: —
Current: —×
Default: -$475.11M

Results

Implied Equity Value / share$14.87
Current Price$16.93
Upside / Downside-12.2%
Implied EV$0