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Why is valuation different for banks and financial institutions?

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Hey everyone, wondering if anyone can provide a little color on this one. Couldn't find too much guidance on this subject online.

Why would you use a dividend discount model or residual income model when valuing a bank or financial institution?

How do banks use debt "differently"? I can understand not using an EBIT/EBITDA multiple when interest is a huge part of the business, but why couldn't you do a DCF but adjust the FCF numbers to include interest income?


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