Reverse DCF
What growth does the market imply for UJJIVANSFB?
Working backwards from the current price to find the FCF growth assumption baked in.
conservative
-12.1% implied annual FCF growth
The market is pricing in below-GDP growth — very conservative assumption. If the company delivers anywhere near its historical rate, there is significant upside.
Current Price
₹59
Historical Growth
18.0%
FCF Yield
16.20%
Price / FCF
6.2x
Plain English
To justify today's price of $59.08, UJJIVANSFB.NS needs to grow its free cash flow at -12.1% per year for the next 10 years. That is 30.1% slower than its historical growth rate of 18.0%. This looks achievable — the market is not pricing in heroic assumptions. There may be genuine upside if the company executes.
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Growth Scenarios
What the stock is worth at different growth assumptions
| Scenario | FCF Growth | Implied IV | MoS vs Price |
|---|---|---|---|
| Implied | -12.1% | ₹59 | -1.0% |
| Half implied | -6.0% | ₹87 | +46.6% |
| GDP rate | 10.0% | ₹287 | +385.7% |
| Historical | 18.0% | ₹537 | +808.1% |
At Historical Growth Rate
It would take 3 years for UJJIVANSFB to organically grow into today's price assuming its historical FCF growth of 18.0%.
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Run Full Analysis →This is an analytical tool, not investment advice. Implied growth is a mathematical inversion of the DCF model and depends on WACC and terminal growth assumptions. YieldIQ is not registered with SEBI as an investment adviser.