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First National Financial Corporation
FNLIFFinancial ServicesOTCCA
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $2.12B | 9.6% | $203.66M | -$767.97M | N/A |
| 2027 | $2.18B | 9.6% | $209.36M | -$789.47M | -$717.70M |
| 2028 | $2.24B | 9.6% | $215.23M | -$811.58M | -$670.73M |
| 2029 | $2.30B | 9.6% | $221.25M | -$834.30M | -$626.83M |
| 2030 | $2.37B | 9.6% | $227.45M | -$857.67M | -$585.80M |
| 2031 | $2.44B | 9.6% | $233.82M | -$881.68M | -$547.45M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.33 | 2024-12-31 |
| EPS growth | -19.8% | Forecast years: 5 |
| Future EPS | $1.105 | EPS × (1 + G)^5 |
| Base P/E | 11.9 | P/E |
| Future price | $13.148 | Future EPS × P/E |
| Fair value today | $8.164 | PV @ 10.0% |
| 30% safety price | $5.715 | Margin of safety |
| 50% safety price | $4.082 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$832.179 | -$850.323 | -$875.065 |
| 10.0% | -$813.747 | -$827.124 | -$844.618 |
| 11.0% | -$799.20 | -$809.386 | -$822.287 |