• annualized rates of return- standard practice to quote annual rate
  • time varying rates of return and the yield curve
  • present value with time-varying interest rate
  • based off us treasury
  • time varying rates of return and the yield curve
  • inflation
  • effect of rising prices without an increase in purchasing power
  • real term
  • actual increase in purchasing power
  • nominal term
  • nominal growth = (1+rate of inflation)* (1+real growth)-1
  • time-varying rates of return and the yield curve
  • treasury bills- maturities up to 1 year
  • treasury notes - maturities between 1 year to 10 years
  • treasury bonds - maturities greater than 10 years
  • yield curve shapes


  • market approach
  • valuation by market comparison approach
  • identical items must be the same price - law of one price
  • firms with the same attributes should have the same value
  • objective and observable transactions
  • valuation by cash flow ( NPV) approach
  • P/E=1/(k-g)
  • E/P= earnings yield .......................................................
  • why P/E ratio are higher for more growth firms
  • pv go ( present value of growth oppurtunities)
  • PO=el/k+PVGO
  • Valuation - market approach
  • P/E-Ratio- the 1/x domain problem
  • selection of comparable companies ( Hard to find suitable comps)
  • the p/e is an accounting number whereas the "p" is a market number
  • " non agregation" of comparable ratios
  • honest work when earnings are negative
  • other techniques to handlwe the 1/x domain problem
  • use median p/e instead of mean p/e ( the outliers issue)
  • ignore non positive earnings of firms
  • average the e/p
  • yeilds and the invert
  • work with sums instead of just ratios
  • other than p/e ratios for valuation
  • price/EBITDA - excludes capital expenditure
  • price/cash-cash flows can be lumpy
  • PEG-P/E divided by growth- warning! especialy very low "g"
  • price/bookequity-tends to high number for older firms ( may be poor comp)
  • price/sales-can use for newer firms where earnings are negative
  • price/employee ratios- could be difficult to use for various reasons
  • employee ratio - people who have a high value to the company
  • P/E ratio - adjustments to consider
  • trailing 12 months
  • valuation market approach
  • caveat
  • during economic boom p/e tends to be overly high
  • non-valuation ratios
  • leverage
  • liabilities/equity,financial debt/equity, times interest earned, fixed charge
  • projecting the future
  • pro formats
  • formal way/form to propose new projects
  • apply business expertise, financial expertise, and soft intuition ( art and science)
  • use of key and other assumptions
  • key assumptions are generally more sensitive to change since results when they change
  • elements include financial statements, comporable, capital budgeting, taxes, cost of capital, capital structure, etc/
  • goal and logic
  • estimates of value ( cash flows, projected financial statements
  • detailed and intergrated
  • different from business to business
  • recognize limitations ( varies with complexity and nature of activities
  • project the future
  • outsider user view
  • value of busness- market view
  • privately hel firms for sale without known market values
  • privately-held firms for sale without known market values
  • private equity buyers looking at a public companies to identify potnetial targets
  • inside view
  • tempelate
  • choice of horizon
  • detailed financial from time O
  • detailed financials at time T
  • Toataling the present values
  • other considerations
    • Investments: first look
    • asset classes
    • stocks, bonds and cash
    • other assets


















































































































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