Mulya.ai
Ticker
USB
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?11.2%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.034
Beta (levered) ?1.816
Terminal OM% ?24.6%
Segment conc. ?39% dominant
Terminal growth ?4.1%
Bond rating ?CCC · 6.00%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

USB · U.S. Bancorp

$52.952026-05-17
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Diversified Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$202
+281.0% vs market
Base · active
$115
+117.7% vs market
Bear
$106
+99.7% vs market
Mulya.ai vs Analyst IV Comparison?
Market $53
Median $62
Bear $106
Base $115
Bull $202
Market Price $53
Mulya.ai Base $115
Analysts Median $62
Mulya.ai IV range ($106 · $202)
Analysts Range ($52 · $66)
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$23.7B42.9%21.5%$8.0B$497MM$8.5B7.7%0.0%−$62.5B$5.12
2022.Q4$27.4B15.5%26.6%20.0%$5.8B$560MM$6.4B8.6%0.0%−$3.8B$3.74
2023.Q4$40.6B48.3%16.9%20.5%$5.5B$1.0B$6.5B8.3%0.0%−$8.5B$3.49
2024.Q4$42.7B5.1%18.5%20.0%$6.3B$1.3B$7.6B9.0%0.0%−$10.8B$4.05
2025.Q4$42.9B0.3%22.2%20.2%$7.6B−$1.6B$6.0B9.0%0.0%$5.4B$4.878.7
italics below = DCF projection · 10yr Rev CAGR: 0.4%
2026.Q4$30.4B+-29.1%33.3%20.2%$8.1B$0MM$8.1B11.0%$7.3B149.9%$5.4B$5.1910.2
2027.Q4$32.1B+5.8%34.1%20.1%$8.8B−$255MM$8.5B10.7%$6.9B158.8%$5.6B$5.639.4
2028.Q4$33.6B+4.4%34.1%20.1%$9.1B−$225MM$8.9B10.5%$6.6B158.9%$5.9B$5.889.0
2029.Q4$35.0B+4.3%34.1%20.1%$9.5B−$247MM$9.3B10.3%$6.2B159.2%$6.1B$6.138.6
2030.Q4$36.5B+4.2%34.1%20.1%$9.9B−$279MM$9.7B10.0%$5.9B158.9%$6.4B$6.398.3
Term. Yr+$46.5B4.1%24.6%20.0%$9.1B−$1.6B$7.5B8.6%$65.3B23.6%
Active scenario IV: $115 (+117.7% vs market)