Reverse DCF
What growth does the market imply for UTKARSHBNK?
Working backwards from the current price to find the FCF growth assumption baked in.
conservative
-27.9% 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
₹14
Historical Growth
20.0%
FCF Yield
28.60%
Price / FCF
3.5x
Plain English
To justify today's price of $14.08, UTKARSHBNK.NS needs to grow its free cash flow at -27.9% per year for the next 10 years. That is 47.9% slower than its historical growth rate of 20.0%. This looks achievable — the market is not pricing in heroic assumptions. There may be genuine upside if the company executes.
Adjust Assumptions
Growth Scenarios
What the stock is worth at different growth assumptions
| Scenario | FCF Growth | Implied IV | MoS vs Price |
|---|---|---|---|
| Implied | -27.9% | ₹14 | +0.1% |
| Half implied | -13.9% | ₹23 | +63.7% |
| GDP rate | 10.0% | ₹100 | +608.1% |
| Historical | 20.0% | ₹208 | +1376.7% |
At Historical Growth Rate
It would take 3 years for UTKARSHBNK to organically grow into today's price assuming its historical FCF growth of 20.0%.
See full DCF analysis
Bear/base/bull scenarios, sensitivity heatmap, Monte Carlo, and more.
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.