Capital

Why do DCF models use free cash flow instead of net income?

Master Free Cash Flow (FCF) for IB interviews: formulas, components, and why it's the ultimate measure of cash available to investors.

OfferGoblin·7 min read··

"Earnings don't pay the bills." — Old Creditor Saying

Concept

Free Cash Flow (FCF) is the cash a company generates after funding its operations and maintaining its asset base. It represents the actual cash available to distribute to all capital providers—debt holders and equity holders—without compromising the business. Think of it as the cash left over after a company pays its bills and invests enough to keep the lights on.

Intuition

Why FCF matters: It's the only metric that shows what cash is actually available to investors after the company has done everything it needs to sustain itself.

  • Net income is polluted by non-cash charges, accounting elections, and interest expense specific to capital structure.
  • EBITDA ignores the very real cash demands of CapEx and working capital.
  • FCF answers the question: "If I bought this entire company today—debt and equity—how much cash could I pull out each year without destroying the business?"

This is why DCF valuations discount FCF, not earnings. Cash is what ultimately gets distributed to investors.

What FCF Buys You: FCF is optionality. Once generated, management chooses the weapon:

UseThe Implication
Pay Down DebtDe-risks the balance sheet. Kills interest expense.
DividendsCash to shareholders. Signals stability (and often maturity).
BuybacksShrinks share count. Boosts EPS. Tax-efficient.
AcquisitionsFuel for inorganic growth.
ReinvestThe flywheel. Compounds future FCF.
  • In an LBO: FCF retires debt. Every dollar repaid flows directly to equity value at exit.
  • In a DCF: You discount FCF. It is the intrinsic value. Everything else is noise.

Components

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Frequently Asked Questions