Discounted Cash Flow

Beacon Financial Corp.

BBT · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $298.1m $58.7m $89.0m 19.7% $1.89
2017 $420.5m (41.0%) $55.2m (-5.8%) $65.6m (-26.4%) 13.1% (-33.2%) $1.40 (-25.9%)
2018 $74.3m (-82.3%) $105.8m (91.4%) $212.5m (224.2%) 142.3% (983.1%) $2.30 (64.3%)
2019 $84.0m (13.0%) $97.5m (-7.9%) $101.0m (-52.5%) 116.0% (-18.5%) $1.98 (-13.9%)
2020 $66.3m (-21.1%) $-533.0m (-647.0%) $220.4m (118.3%) -803.9% (-792.9%) $-10.60 (-635.4%)
2021 $143.2m (116.0%) $118.7m (122.3%) $103.9m (-52.9%) 82.8% (110.3%) $2.41 (122.7%)
2022 $68.9m (-51.9%) $92.5m (-22.0%) $121.7m (17.2%) 134.2% (62.0%) $2.03 (-15.8%)
2023 $42.8m (-37.9%) $69.6m (-24.8%) $155.3m (27.6%) 162.7% (21.2%) $1.61 (-20.7%)
2024 $48.4m (13.2%) $61.0m (-12.3%) $120.6m (-22.3%) 126.0% (-22.5%) $1.44 (-10.6%)
2025 $29.9m (-38.1%) $90.3m (48.0%) $212.2m (75.9%) 301.4% (139.2%) $1.03 (-28.5%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model