Mulya.ai
Ticker
RF
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?9.3%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.045
Beta (levered) ?1.221
Terminal OM% ?26.9%
Segment conc. ?56% dominant
Terminal growth ?4.1%
Bond rating ?B · 4.00%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

RF · Regions Financial Corporation

$26.472026-05-17
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Regional Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$86
+223.2% vs market
Base · active
$70
+163.4% vs market
Bear
$68
+157.9% vs market
Mulya.ai vs Analyst IV Comparison?
Market $26
Median $30
Bear $68
Base $70
Bull $86
Market Price $26
Mulya.ai Base $70
Analysts Median $30
Mulya.ai IV range ($68 · $86)
Analysts Range ($27 · $32)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2021.Q4$6.6B48.7%21.6%$2.5B−$1.2B$1.3B7.7%0.0%−$37.2B$2.86
2022.Q4$7.5B13.3%38.4%21.9%$2.2B−$209MM$2.0B8.7%0.0%−$20.9B$2.55
2023.Q4$9.2B22.3%28.5%20.4%$2.1B−$495MM$1.6B8.4%0.0%−$15.1B$2.36
2024.Q4$9.4B2.4%25.1%19.6%$1.9B−$1.0B$864MM9.0%0.0%−$9.8B$2.15
2025.Q4$9.6B2.5%28.5%21.4%$2.2B$604MM$2.8B9.0%0.0%−$14.5B$2.458.5
italics below = DCF projection · 10yr Rev CAGR: 1.7%
2026.Q4$7.9B+-17.9%36.2%21.3%$2.2B$0MM$2.2B9.2%$2.1B0.0%−$14.5B$2.5510.4
2027.Q4$8.2B+3.8%36.2%21.1%$2.3B−$125MM$2.2B9.2%$1.9B0.0%−$14.4B$2.6610.0
2028.Q4$8.6B+4.6%36.2%21.0%$2.5B−$160MM$2.3B9.1%$1.8B0.0%−$14.3B$2.789.5
2029.Q4$8.9B+4.3%36.2%20.8%$2.6B−$160MM$2.4B9.1%$1.7B0.0%−$14.1B$2.919.1
2030.Q4$9.3B+4.2%36.2%20.7%$2.7B−$166MM$2.5B9.0%$1.6B0.0%−$13.9B$3.048.7
Term. Yr+$11.9B4.1%26.9%20.0%$2.6B−$1.2B$1.3B8.6%$12.6B8.6%
Active scenario IV: $70 (+163.4% vs market)