Discounted Cash Flow
Kearny Financial Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $126.9m | $15.8m | $37.0m | 12.5% | $0.18 |
| 2017 | $139.1m (9.6%) | $18.6m (17.6%) | $34.5m (-6.7%) | 13.4% (7.3%) | $0.22 (22.2%) |
| 2018 | $171.4m (23.2%) | $19.6m (5.3%) | $36.8m (6.8%) | 11.4% (-14.5%) | $0.24 (9.1%) |
| 2019 | $237.3m (38.4%) | $42.1m (115.1%) | $33.8m (-8.3%) | 17.8% (55.3%) | $0.46 (91.7%) |
| 2020 | $233.2m (-1.7%) | $45.0m (6.7%) | $13.9m (-59.0%) | 19.3% (8.6%) | $0.55 (19.6%) |
| 2021 | $234.4m (0.5%) | $63.2m (40.6%) | $70.0m (404.7%) | 27.0% (39.9%) | $0.77 (40.0%) |
| 2022 | $2.6m (-98.9%) | $67.5m (6.8%) | $78.4m (12.0%) | 2618.1% (9603.4%) | $0.95 (23.4%) |
| 2023 | $293.7m (11284.7%) | $40.8m (-39.6%) | $68.2m (-13.0%) | 13.9% (-99.5%) | $0.63 (-33.7%) |
| 2024 | $328.9m (12.0%) | $-86.7m (-312.4%) | $42.6m (-37.5%) | -26.4% (-289.7%) | $-1.39 (-320.6%) |
| 2025 | $324.5m (-1.3%) | $26.1m (130.1%) | $21.4m (-49.8%) | 8.0% (130.5%) | $0.42 (130.2%) |
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): —
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.