ECPG — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

Model	Intrinsic Value	vs Price ($69.85)
DCF	$-8725.26	-12591.4%
Graham Number	—	—
Reverse DCF	—	—
DDM	—	—
EV/EBITDA	$68.07	-2.5%

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: -$243.53M

Near-term growth (yrs 1–5)(%)Rev: 78.3% / EPS: —

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 3.26%

Computed WACC: 3.26%

Cost of equity (Re)11.53%(Rf 4.30% + β 1.31 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)28.25%

Debt weight (D/V)71.75%

Results

Intrinsic Value / share$-103048.85

Current Price$69.85

Upside / Downside-147628.8%

Net Debt (used)$3.93B

Sensitivity: WACC (rows) × Near-term g (cols)

WACC \ Near-term	70.3%	74.3%	78.3%	82.3%	86.3%
7.0%	$-11188.52	$-12536.15	$-14012.88	$-15627.76	$-17390.29
8.0%	$-8679.21	$-9718.16	$-10856.53	$-12101.32	$-13459.82
9.0%	$-6973.59	$-7802.77	$-8711.23	$-9704.52	$-10788.48
10.0%	$-5747.84	$-6426.32	$-7169.60	$-7982.22	$-8868.94
11.0%	$-4830.75	$-5396.51	$-6016.24	$-6693.73	$-7432.94

2 — Graham Number

Assumptions

MultiplierGraham used 22.5 (15× P/E × 1.5× P/B)

EPS (trailing)($)Yahoo: $-1.80

Book Value / share($)Yahoo: $45.04

Results

Graham Number requires positive EPS and positive Book Value per share. EPS is zero or negative.

Graham Number—

Current Price$69.85

Margin of Safety—

Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 3.26%

Terminal growth rate(%)

Computed WACC: 3.26%

Cost of equity (Re)11.53%(Rf 4.30% + β 1.31 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)28.25%

Debt weight (D/V)71.75%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$69.85

Implied Near-term FCF Growth—

Historical Revenue Growth78.3%

Historical Earnings Growth—

Base FCF (TTM)-$243.53M

Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Annual dividend D0($/share)Yahoo: —

Dividend growth rate (g)(%)

Required return (r)(%)

Results

This company does not pay a dividend. DDM is not applicable — the intrinsic value shown uses D0 = $0 unless you enter a hypothetical dividend above.

DDM Intrinsic Value / share—

Current Price$69.85

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: $869.32M

Target EV/EBITDA multipleCurrent: 6.3×

Net Debt($B)Default: $3.93B

Results

Implied Equity Value / share$68.07

Current Price$69.85

Upside / Downside-2.5%

Implied EV$5.44B

Sensitivity: EV/EBITDA multiple (rows) × Net Debt (cols)

Mult \ Net Debt	$1.93B	$2.93B	$3.93B	$4.93B	$5.93B
2.3x	$1.84	$-43.00	$-87.83	$-132.67	$-177.51
4.3x	$79.79	$34.95	$-9.88	$-54.72	$-99.55
6.3x	$157.74	$112.91	$68.07	$23.24	$-21.60
8.3x	$235.70	$190.86	$146.02	$101.19	$56.35
10.3x	$313.65	$268.81	$223.98	$179.14	$134.31

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