Mulya.ai
Ticker
RF
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?9.3%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.027
Beta (levered) ?1.226
Terminal OM% ?26.9%
Segment conc. ?56% dominant
Terminal growth ?4.1%
Bond rating ?B · 4.00%
ROIC option ?Opt 2 · 13.1%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

RF · Regions Financial Corporation

$30.062026-07-21
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Regional Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$58
+92.5% vs market
Base · active
$34
+14.6% vs market
Bear
$33
+8.1% vs market
Mulya.ai vs Analyst IV Comparison?
Market $30
Median $31
Bear $33
Base $34
Bull $58
Market Price $30
Mulya.ai Base $34
Analysts Median $31
Mulya.ai IV range ($33 · $58)
Analysts Range ($30 · $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
2024.Q1$9.2B28.5%19.8%$2.1B−$389MM$1.7B8.7%0.0%−$15.4B$2.39
2024.Q4$9.2B0.0%28.5%19.6%$2.1B−$1.0B$1.1B9.0%0.0%−$9.8B$2.39
2025.Q1$9.4B2.4%25.1%19.8%$1.9B−$543MM$1.3B9.1%0.0%−$12.9B$2.18
2025.Q4$9.4B0.0%25.1%21.4%$1.9B$604MM$2.5B9.0%0.0%−$14.5B$2.18
2026.Q1$9.6B2.6%29.5%21.5%$2.2B−$719MM$1.5B9.1%62.4%$21.7B$2.569.2
italics below = DCF projection · 10yr Rev CAGR: 1.8%
2027.Q1$7.9B+-17.4%36.2%21.4%$2.3B$0MM$2.3B9.2%$2.1B10.4%$21.7B$2.6011.6
2028.Q1$8.3B+4.3%36.2%21.2%$2.4B$0MM$2.4B9.2%$2.0B10.9%$21.7B$2.7211.1
2029.Q1$8.6B+4.2%36.2%21.1%$2.5B$0MM$2.5B9.1%$1.9B11.4%$21.7B$2.8410.6
2030.Q1$9.0B+4.1%36.2%20.9%$2.6B$0MM$2.6B9.0%$1.8B11.9%$21.7B$2.9710.1
2031.Q1$9.4B+4.1%36.2%20.8%$2.7B$0MM$2.7B9.0%$1.7B12.4%$21.7B$3.099.7
Term. Yr+$11.9B4.1%26.9%20.0%$2.6B−$802MM$1.8B8.6%$16.6B13.1%
Active scenario IV: $34 (+14.6% vs market)