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 ?10.9%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.999
Beta (levered) ?1.669
Terminal OM% ?24.6%
Segment conc. ?39% dominant
Terminal growth ?4.1%
Bond rating ?CCC · 6.00%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

USB · U.S. Bancorp

$60.912026-07-21
Sector: Financial Services; Industry: Banks - Diversified; Sub-Industry: Diversified Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$218
+257.1% vs market
Base · active
$154
+152.8% vs market
Bear
$146
+139.7% vs market
Mulya.ai vs Analyst IV Comparison?
Market $61
Median $63
Bear $146
Base $154
Bull $218
Market Price $61
Mulya.ai Base $154
Analysts Median $63
Mulya.ai IV range ($146 · $218)
Analysts Range ($60 · $73)
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$40.6B16.9%20.4%$5.5B$997MM$6.5B13.0%0.0%−$23.8B$3.49
2024.Q4$40.6B0.0%16.9%20.0%$5.5B$1.3B$6.8B9.0%0.0%−$10.8B$3.49
2025.Q1$42.7B5.1%18.5%20.0%$6.3B−$1.9B$4.4B9.6%0.0%$753MM$4.05
2025.Q4$42.7B0.0%18.5%20.2%$6.3B−$1.6B$4.7B9.0%205.6%$5.4B$4.05
2026.Q1$43.3B1.5%23.2%19.9%$8.0B$228MM$8.3B9.4%0.0%−$72.3B$5.029.4
italics below = DCF projection · 10yr Rev CAGR: 0.6%
2027.Q1$31.2B+-27.9%33.3%19.9%$8.3B$0MM$8.3B10.7%$7.5B0.0%−$72.3B$5.3511.4
2028.Q1$33.0B+5.7%34.3%19.9%$9.1B−$172MM$8.9B10.5%$7.3B0.0%−$72.1B$5.8310.4
2029.Q1$34.5B+4.7%34.3%19.9%$9.5B−$109MM$9.4B10.3%$7.0B0.0%−$72.0B$6.1010.0
2030.Q1$36.0B+4.4%34.3%19.9%$9.9B−$83MM$9.8B10.1%$6.6B0.0%−$72.0B$6.379.6
2031.Q1$37.6B+4.2%34.3%20.0%$10.3B−$70MM$10.3B9.9%$6.3B0.0%−$71.9B$6.649.2
Term. Yr+$47.9B4.1%24.6%20.0%$9.4B−$4.5B$4.9B8.6%$43.2B8.6%
Active scenario IV: $154 (+152.8% vs market)