MMarketMath

IBM

Slow growerQuality: High (70/100)

IBM · Information Technology · IT Consulting & Other Services

$231.04

52w 199.19 – 332.46

20y monthly, adjusted

Mkt cap

$217.7B

P/E

21.0

P/FCF

18.3

FCF yield

5.5%

ROE

32.4%

Shldr yield

2.8%

div 2.8% + bb 0.0%

What today's price assumes

At $217.7B, the market is pricing in 6.5% annual free-cash-flow growth for the next decade (10% discount rate, 2.5% terminal growth). Over the last ten years, FCF actually grew -1.2% per year — the price asks for acceleration beyond the historical record.

Simple DCF per-share range: $134 · $134 · $167 (4% / base / optimistic growth). An estimate, not a target.

Adjust the assumptions yourself →

Historical multiple lens

At its own median P/OCF of 6.3× across 19 years, IBM would trade near $88/share (25th–75th percentile: $74–$104); it trades at 16.5× today.

Assumes the historical multiple regime persists — re-ratings can be permanent.

Growth record

Compound annual growth rates from as-filed 10-K data, split-adjusted

Rev 3y

+3.7%

Rev 5y

+4.1%

Rev 10y

−1.9%

EPS 5y

+12.4%

EPS 10y

−1.8%

FCF 5y

−4.9%

FCF 10y

−1.2%

Fundamentals

Fiscal 2007–2025, from SEC filings

Revenue

2007: $98.8B
2008: $103.6B
2009: $95.8B
2010: $99.9B
2011: $106.9B
2012: $102.9B
2013: $98.4B
2014: $92.8B
2015: $81.7B
2016: $79.9B
2017: $79.1B
2018: $79.6B
2019: $57.7B
2020: $55.2B
2021: $57.4B
2022: $60.5B
2023: $61.9B
2024: $62.8B
2025: $67.5B
$0$50.0B$100.0B
07
11
15
19
23

Net income

2007: $10.4B
2008: $12.3B
2009: $13.4B
2010: $14.8B
2011: $15.9B
2012: $16.6B
2013: $16.5B
2014: $12.0B
2015: $13.2B
2016: $11.9B
2017: $5.8B
2018: $8.7B
2019: $9.4B
2020: $5.6B
2021: $5.7B
2022: $1.6B
2023: $7.5B
2024: $6.0B
2025: $10.6B
$0$5.0B$10.0B$15.0B
07
11
15
19
23

Free cash flow

2007: $11.5B
2008: $14.6B
2009: $17.3B
2010: $15.4B
2011: $15.7B
2012: $15.5B
2013: $13.9B
2014: $13.1B
2015: $13.7B
2016: $13.5B
2017: $13.5B
2018: $11.9B
2019: $12.5B
2020: $15.6B
2021: $10.7B
2022: $9.1B
2023: $12.7B
2024: $12.4B
2025: $12.1B
$0$5.0B$10.0B$15.0B
07
11
15
19
23

Diluted shares (lower is better)

2007: 1.5B
2008: 1.4B
2009: 1.3B
2010: 1.3B
2011: 1.2B
2012: 1.2B
2013: 1.1B
2014: 1.0B
2015: 982.7M
2016: 958.7M
2017: 937.4M
2018: 916.3M
2019: 892.8M
2020: 896.6M
2021: 904.6M
2022: 912.3M
2023: 922.1M
2024: 937.2M
2025: 948.7M
0500.0M1.0B
07
11
15
19
23

Margins

0%20%40%60%07101316192225
Net marginFCF marginGross margin

Capital returned (dividends + buybacks)

2007: $21.0B
2008: $13.2B
2009: $10.3B
2010: $18.6B
2011: $18.5B
2012: $15.8B
2013: $17.9B
2014: $17.9B
2015: $9.5B
2016: $8.8B
2017: $9.8B
2018: $10.1B
2019: $7.1B
2020: $5.8B
2021: $5.9B
2022: $5.9B
2023: $6.0B
2024: $6.1B
2025: $6.3B
$0$10.0B$20.0B
07
11
15
19
23

Cash vs long-term debt

$20.0B$40.0B07101316192225
CashLT debt

Quarterly

Discrete quarters from 10-Q filings; Q4 derived as fiscal year minus Q1–Q3. OCF is unwound from the year-to-date figures 10-Qs report. Compare to the same quarter a year ago — most businesses are seasonal.

Revenue by quarter

Q2'23: $15.5B
Q3'23: $14.8B
Q4'23: $17.4B
Q1'24: $14.5B
Q2'24: $15.8B
Q3'24: $15.0B
Q4'24: $17.6B
Q1'25: $14.5B
Q2'25: $17.0B
Q3'25: $16.3B
Q4'25: $19.7B
Q1'26: $15.9B
Q2'26: $17.2B
$0$5.0B$10.0B$15.0B
23
24
24
25
26

Net income by quarter

Q2'23: $1.6B
Q3'23: $1.7B
Q4'23: $3.3B
Q1'24: $1.6B
Q2'24: $1.8B
Q3'24: −$330.0M
Q4'24: $2.9B
Q1'25: $1.1B
Q2'25: $2.2B
Q3'25: $1.7B
Q4'25: $5.6B
Q1'26: $1.2B
Q2'26: $2.2B
$0$2.0B$4.0B
23
24
24
25
26
QuarterRevenueYoYNet incomeYoYEPSOCF
Q2'26$17.2B+1.1%$2.2B−1.3%2.27$2.6B
Q1'26$15.9B+9.5%$1.2B+15.3%1.28$5.2B
Q4'25 *$19.7B+12.2%$5.6B+92.2%5.90$4.0B
Q3'25$16.3B+9.1%$1.7B1.84$3.1B
Q2'25$17.0B+7.7%$2.2B+19.6%2.31$1.7B
Q1'25$14.5B+0.5%$1.1B−34.3%1.12$4.4B
Q4'24 *$17.6B+1.0%$2.9B−11.4%3.11$4.3B
Q3'24$15.0B+1.5%−$330.0M−119.4%-0.36$2.9B
Q2'24$15.8B+1.9%$1.8B+15.9%1.96$2.1B
Q1'24$14.5B+1.5%$1.6B+73.1%1.72$4.2B
Q4'23 *$17.4B+4.1%$3.3B+21.3%3.57$4.5B
Q3'23$14.8B+4.6%$1.7B1.84$3.1B
Q2'23$15.5B−0.4%$1.6B+13.7%1.72$2.6B

Track record

Compound annual growth by period. For debt and share count, negative is the good direction.

Series3y5y10y15y
Revenue+3.7%+4.1%−1.9%−2.6%
Operating cash flow+8.1%−6.2%−2.6%−2.6%
Free cash flow+10.0%−4.9%−1.2%−1.6%
EPS (diluted)+83.8%+12.4%−1.8%−0.2%
Equity+14.2%+9.7%+8.6%+2.3%
LT debt+5.9%+0.2%+5.1%+6.3%
Diluted shares+1.3%+1.1%−0.4%−2.0%
Stock price+19.7%+15.7%+8.6%+6.0%

$100, 3 years ago

$171vs $176 in SPY

19.7% vs 20.7%/yr

$100, 5 years ago

$207vs $181 in SPY

15.7% vs 12.6%/yr

$100, 10 years ago

$229vs $412 in SPY

8.6% vs 15.2%/yr

$100, 15 years ago

$240vs $813 in SPY

6.0% vs 15.0%/yr

The $1 test — market value created per $1 of earnings retained (Buffett's hurdle: at least $1)

Last 5 years

$165.40

$205.3B created / $1.2B retained

Last 10 years

$14.41

$211.5B created / $14.7B retained

Quality & capital discipline

Cash-based returns and how management deploys capital

Cash ROIC

15.1%

OCF ÷ (equity + debt)

OCF / EV yield

5.0%

MC vs 10× OCF

1.68

≤1 = priced under 10× OCF

Debt / FCF

4.5y

SBC / FCF

14.2%

Owner earnings

$10.4B

OCF − capex − SBC

OE yield

4.7%

Share count 5y

−2.4%

per year; negative = buybacks

Capital intensity

net PP&E ÷ revenue

Sales efficiency

new PP&E per $1 new revenue, 5y

Growth engine (5y): reinvested 19.2% of operating cash flow at an incremental return of -40.8% — an organically fundable growth rate of about -7.8% per year (growth ≈ reinvestment rate × incremental ROIC).

Checklist

16 of 25 checks pass · 64%. Checks with structurally missing inputs are excluded.

Growth & Consistency

3/7

  • Revenue growth

    4.1% · 5y CAGR ≥ 5%

    fail
  • EPS growth

    12.4% · 5y CAGR ≥ 5%

    pass
  • FCF growth

    -4.9% · 5y CAGR ≥ 5%

    fail
  • Revenue rises consistently

    6 of 9 · up in ≥ 7 of last 10 years

    fail
  • FCF consistently positive

    10 of 10 · positive in ≥ 8 of last 10 years

    pass
  • Profitable every year

    10 of 10 · net income > 0 in ≥ 8 of last 10

    pass
  • Cash flow keeps up with sales

    -6.2% vs 4.1% · OCF CAGR ≥ 0.9× revenue CAGR

    fail

Profitability

6/6

  • Net margin

    15.7% · ≥ 8%

    pass
  • Operating margin

    · ≥ 10%

    na
  • Gross margin stable or rising

    58.2% vs 54.0% · no drop > 2 pts over 3y

    pass
  • Return on equity

    32.4% · ≥ 12%

    pass
  • Cash ROIC

    15.1% · ≥ 12%

    pass
  • FCF margin

    17.9% · ≥ 5%

    pass
  • Earnings back their cash

    OCF $13.2B vs NI $10.6B · OCF ≥ net income (latest FY)

    pass

Balance Sheet

1/4

  • Debt payable from cash flow

    4.5y · LT debt ≤ 3× FCF

    fail
  • Cash cushion

    25% · cash ≥ 50% of LT debt

    fail
  • Leverage

    1.68 · LT debt ≤ 1.5× equity

    fail
  • Equity positive and compounding

    $32.6B · equity > 0 and grew over ~5y

    pass
  • Interest burden

    · interest ≤ 15% of operating income

    na

Capital Allocation

3/4

  • Share count flat or shrinking

    -2.4% · ≤ +0.5%/yr over ~5y

    pass
  • Stock comp restrained

    14% · SBC ≤ 15% of FCF

    pass
  • Distributions funded by FCF

    52% · dividends + buybacks ≤ 100% of FCF

    pass
  • Repurchases are a habit

    4 of 10 · buybacks in ≥ 5 of last 10 years

    fail

Valuation Discipline

3/4

  • FCF yield

    5.5% · ≥ 3%

    pass
  • Earnings multiple

    21.0 · P/E ≤ 25

    pass
  • Price asks less than history delivered

    6.5% vs -1.2% · implied FCF growth ≤ historical FCF CAGR

    fail
  • Shareholder yield

    2.8% · dividends + buybacks ≥ 2% of market cap

    pass

Financial data

As filed in 10-Ks; per-share figures split-adjusted. $ in millions.

FYRevenueGross profitOp incomeNet incomeEPSOCFCapExFCFDividendsBuybacksSBCCashLT debtEquityShares
202567,53539,29710,59311.1713,1931,09112,1026,2551,71513,58754,83632,648949
202462,75335,5516,0236.4313,4451,04812,3976,1471,31113,94749,88427,307937
202361,86034,3007,5028.1413,9311,24512,6866,0401,13313,06850,12122,533922
202260,53032,6871,6391.8010,4351,3469,0895,9489877,88646,18921,944912
202157,35031,4865,7436.3512,7962,06210,7345,8699826,65044,91718,901905
202055,17930,8655,5906.2318,1972,61815,5795,79793713,18854,21720,597897
201957,71431,5339,43110.5614,7702,28612,4845,7071,3616798,17254,10220,841893
201879,59136,9368,7289.5215,2473,39511,8525,6664,44351011,37935,60516,796916
201779,13936,9435,7536.1416,7243,22913,4955,5064,34053411,97239,83717,594937
201679,91938,51611,87212.3817,0843,56713,5175,2563,5025447,82634,65518,246959
201581,74140,68413,19013.4217,2553,57913,6764,8974,6094687,68633,42814,262983
201492,79346,40712,02211.9016,8683,74013,1284,26513,6795128,47634,99111,8681,010
201398,36748,68416,48314.9417,4853,62313,8624,05813,85961410,71632,85622,7921,103
2012102,87450,36116,60414.3719,5864,08215,5043,77311,99568810,41224,08818,8601,155
2011106,91650,13815,85513.0619,8464,10815,7383,47315,04669711,92222,85720,1381,214
201099,87046,01414,83311.5219,5494,18515,3643,17715,37562910,66121,84623,0461,287
200995,75843,78513,42510.0120,7733,44717,3262,8607,42955812,18324,15422,6371,341
2008103,63045,66112,3348.8918,8124,17114,6412,58510,57865912,74122,68913,4651,388
200798,78641,72910,4187.1516,0944,63011,4642,14718,82871314,99128,6151,457

Some concepts are structurally absent for certain industries (banks report no gross profit or capex). Missing ≠ zero.