SBC Medical Group Holdings Inc

SBCdata completeness 100%3 fiscal years on file
The thesis, from the filings

SBC Medical Group Holdings Inc earns about 66% on invested capital, far above its ~9% cost of capital, but has diluted owners by 9% over 3 years — a real edge showing up in the numbers. The estimate methods put fair value between $4.69 and $5.52 a share.Whether it’s worth owning at today’s price is the last question — and yours to answer, below.

i. The business — what you’d actually own
FigureFY 2023FY 2024FY 2025
Revenue$193.5M1$205.4M2$173.6M2
Net income$39.4M3$46.6M4$51M4
Operating cash flow$50.7M5$20.6M6$24.7M6
Capital expenditure$8.54M7$2.56M8$1.4M8
Free cash flow (derived)$42.1M5$18M6$23.3M6
Total debt$329,1559$6.86M10$43.1M11
Cash & equivalents$103M12$125M13$163.8M13
Diluted shares94.2M96.6M103.0M

Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom).

ii. Your slice — ownership made literal
If you owned
shares
Net assets behind them
$24.11
your share of equity
Profit it earned you last year
$4.95
Free cash flow it threw off
$2.26
Debt you’d be carrying
$4.18

10 shares is a claim on $24.11 of net worth that earned you $4.95 and generated $2.26 of cash last year, against $4.18 of debt.

iii. Is this a good business?
Moat signal · return on invested capital
66% avg · 3y
FY23 98%FY24 61%FY25 40%

It earned about 66% on invested capital, year after year, against a ~9% cost of capital — the footprint of real pricing power. Competition usually drags returns like this back down; here it hasn't.

seeing a moat in the numbers →
Management signal · capital allocation
+9% shares · 3y

Share count is up 9% over 3 years — owners have been diluted. Worth asking what they got for it. Total debt has risen 12982% over the same window.

reading capital allocation →

Signals, not verdicts — read from the filings above. Numbers don’t prove a moat; they show its footprint. You decide.

iv. What it’s worth — engine v0.1.0

The 3 estimate methods that apply put fair value between $4.69 and $5.52 a share. They rest on different assumptions, so where they diverge is the story; the Graham Number is a stricter floor, not a target.

DCF · Growth Exit 10Y
$5.52
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears10
  • fcfGrowth5.0%
  • fcfBase$23.3M
DCF · Growth Exit 5Y
$5.18
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears5
  • fcfGrowth5.0%
  • fcfBase$23.3M
Earnings Power Value
$4.69
assumptions (8)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • normalizedEarnings$46.6M
  • growthAssumed0.0%
Graham Number
$5.21
assumptions (1)
  • grahamMultiplier2250.0%

Different models answer different questions — which to trust when →

v. The price question — last, on purpose
Is today’s price fair?
See live price ↗
Type a price. The ledger answers.
Or set your own belief
FCF growth, next 5 years5.0%
Discount rate (WACC)8.93%
Terminal growth2.5%
At your growth, a share is worth $5.18
The three cases
Bear0.0%$4.4
Base5.0%$5.18
Bull10.0%$6.12

Bear/base/bull growth = 0% / filed history / history + 5pp. Type a price to see the return each case implies.

Default growth 5.0%= this company’s own filed history (median-to-median FCF CAGR, clamped 0–20%). Your adjustments are recorded anonymously. They become the “what do owners actually believe” dataset.

Sources — the receipts
  1. 10-K · period ending 2023-12-31 · accession 0001641172-25-001062 (RevenueFromContractWithCustomerExcludingAssessedTax)
  2. 10-K · period ending 2024-12-31 · accession 0001193125-26-127557 (RevenueFromContractWithCustomerExcludingAssessedTax)
  3. 10-K · period ending 2023-12-31 · accession 0001641172-25-001062 (NetIncomeLoss)
  4. 10-K · period ending 2024-12-31 · accession 0001193125-26-127557 (NetIncomeLoss)
  5. 10-K · period ending 2023-12-31 · accession 0001641172-25-001062 (NetCashProvidedByUsedInOperatingActivities)
  6. 10-K · period ending 2024-12-31 · accession 0001193125-26-127557 (NetCashProvidedByUsedInOperatingActivities)
  7. 10-K · period ending 2023-12-31 · accession 0001641172-25-001062 (PaymentsToAcquirePropertyPlantAndEquipment)
  8. 10-K · period ending 2024-12-31 · accession 0001193125-26-127557 (PaymentsToAcquirePropertyPlantAndEquipment)
  9. 10-K · period ending 2023-12-31 · accession 0001641172-25-001062 (DebtCurrent)
  10. 10-K · period ending 2024-12-31 · accession 0001641172-25-001062 (LongTermDebt)
  11. 10-K · period ending 2025-12-31 · accession 0001193125-26-127557 (LongTermDebt)
  12. 10-K · period ending 2023-12-31 · accession 0001641172-25-001062 (CashAndCashEquivalentsAtCarryingValue)
  13. 10-K · period ending 2024-12-31 · accession 0001193125-26-127557 (CashAndCashEquivalentsAtCarryingValue)