Discounted Cash Flow
Ponce Financial Group, Inc.
—
—
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) |
|---|---|---|---|---|---|
| 2019 | $38.1m | $-5.1m | $1.2m | -13.4% | — |
| 2020 | $42.0m (10.1%) | $3.9m (175.2%) | $-29.4m (-2490.4%) | 9.2% (168.3%) | — |
| 2021 | $58.8m (40.2%) | $25.4m (559.6%) | $14.4m (148.9%) | 43.2% (370.4%) | — |
| 2022 | $66.6m (13.2%) | $-30.0m (-218.0%) | $9.3m (-35.3%) | -45.0% (-204.3%) | — |
| 2023 | $65.3m (-2.0%) | $3.4m (111.2%) | $6.1m (-34.7%) | 5.1% (111.4%) | — |
| 2024 | $76.5m (17.2%) | $11.0m (227.3%) | $4.5m (-26.1%) | 14.3% (179.3%) | — |
| 2025 | $99.8m (30.5%) | $28.7m (161.6%) | $54.6m (1115.3%) | 28.8% (100.5%) | — |
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): —
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.