MBA in Finance with a background in Biomedical Engineering. I build financial models and analytics dashboards with a healthcare finance focus — combining a technical foundation with finance and data skills. Currently looking for remote roles in FP&A, GTM Finance, healthcare finance, and data analytics.

📧 [email protected] 🔗 Linkedin 📍 Faisalabad, Pakistan (open to remote, global)

Financial Modeling

Fresenius SE — 3-Statement Financial Model & DCF Valuation

Overview

A full financial model built in Excel for Fresenius SE, a global healthcare company. The model projects five years of financials and derives an implied share price through discounted cash flow (DCF) valuation, with sensitivity testing across key assumptions.

What's included

• Operating Assumptions — Revenue growth, COGS %, SG&A %, R&D %, D&A %, Capex %, and working capital assumptions (AR, Inventory, AP as % of revenue), all benchmarked against historical performance
• 3-Statement Model — Fully linked Income Statement, Balance Sheet, and Cash Flow Statement. Net income flows into retained earnings, cash flow ties to the balance sheet, and the balance sheet balances every period
• DCF Valuation — Unlevered free cash flow build from EBIT, tax-effected NOPAT, add-back of D&A, less capex and change in net working capital. Terminal value calculated using the Gordon Growth method, discounted back to present value alongside the explicit forecast period
• Enterprise-to-Equity Bridge — Enterprise value adjusted for debt and cash to arrive at equity value and implied share price
• Sensitivity Analysis — Two-way data table showing implied share price across a range of WACC (6.5%–8.5%) and terminal growth rate (1.0%–3.0%) assumptions

Why this matters

Anyone can build a spreadsheet with static numbers. This one is built to actually function like a model — every projected line item is driven by an assumption, the statements interlink correctly, and flexing any input (growth rate, WACC, margins) flows through to the valuation output automatically. That's the difference between a template and a real analytical tool.

Skills demonstrated: Financial Modeling · DCF Valuation · Financial Statement Analysis · Excel (Advanced) · Sensitivity Analysis · Corporate Finance

https://docs.google.com/spreadsheets/d/1uxxSJgSJzryxh3V3WuwshDJFsadnKH8X/edit?usp=drive_link&ouid=104186554427105878706&rtpof=true&sd=true

3-Statement Model, DCF & Sensitivity Analysis — MediTrack Diagnostics

Built a full financial model from scratch: linked Income Statement, Balance Sheet, and Cash Flow Statement (balance sheet ties to zero every year), a DCF valuation using unlevered free cash flow and WACC, and a sensitivity table showing how the implied share price moves with different WACC/growth assumptions.