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NCB Financial Group (XJAM:NCBFG) Intrinsic Value: Projected FCF : JMD284.25 (As of Apr. 28, 2024)


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What is NCB Financial Group Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-04-28), NCB Financial Group's Intrinsic Value: Projected FCF is JMD284.25. The stock price of NCB Financial Group is JMD60.82. Therefore, NCB Financial Group's Price-to-Intrinsic-Value-Projected-FCF of today is 0.2.

The historical rank and industry rank for NCB Financial Group's Intrinsic Value: Projected FCF or its related term are showing as below:

XJAM:NCBFG' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.21   Med: 0.69   Max: 1.42
Current: 0.21

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of NCB Financial Group was 1.42. The lowest was 0.21. And the median was 0.69.

XJAM:NCBFG's Price-to-Projected-FCF is ranked better than
92.31% of 65 companies
in the Diversified Financial Services industry
Industry Median: 0.95 vs XJAM:NCBFG: 0.21

NCB Financial Group Intrinsic Value: Projected FCF Historical Data

The historical data trend for NCB Financial Group's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

NCB Financial Group Intrinsic Value: Projected FCF Chart

NCB Financial Group Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 163.40 194.18 270.45 231.75 278.42

NCB Financial Group Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 245.39 237.87 287.72 278.42 284.25

Competitive Comparison of NCB Financial Group's Intrinsic Value: Projected FCF

For the Financial Conglomerates subindustry, NCB Financial Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


NCB Financial Group's Price-to-Projected-FCF Distribution in the Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where NCB Financial Group's Price-to-Projected-FCF falls into.



NCB Financial Group Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get NCB Financial Group's Free Cash Flow(6 year avg) = JMD56,182.82.

NCB Financial Group's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Dec23)*0.8)/Shares Outstanding (Diluted Average)
=(9.5203515959648*56182.8168+159662*0.8)/2331.061
=284.25

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


NCB Financial Group  (XJAM:NCBFG) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

NCB Financial Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=60.82/284.25243680353
=0.21

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


NCB Financial Group Intrinsic Value: Projected FCF Related Terms

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NCB Financial Group (XJAM:NCBFG) Business Description

Traded in Other Exchanges
Address
32 Trafalgar Road, The Atrium, Kingston, JAM, 10
NCB Financial Group Ltd provides financial services. It provides many products and services to meet the banking needs of customers, deposit accounts, unsecured and secured loans, credit cards, overdraft lines, foreign exchange, and personal and private banking services are part of the offerings. Its segments comprise Consumer & SME banking; Payment services; Corporate & commercial banking; Treasury & correspondent banking; Wealth, asset management & investment banking; Life and health insurance & pension fund management; and General insurance. The majority of revenue gets derived from the Life and health insurance & pension fund management segment.

NCB Financial Group (XJAM:NCBFG) Headlines

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