PFN

PFN — Valuation Models

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

Valuation Summary

ModelIntrinsic Valuevs Price ($7.24)
DCF$99.71+1277.2%
Graham Number
Reverse DCFimplied g: 4.4%
DDM$17.72+144.7%
EV/EBITDA

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

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: $46.97M
Rev: 6.1% / EPS: 49.6%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$99.71
Current Price$7.24
Upside / Downside+1277.2%
Net Debt (used)$114.69M
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term41.6%45.6%49.6%53.6%57.6%
7.0%$120.86$138.83$158.86$181.13$205.83
8.0%$94.14$108.11$123.70$141.02$160.23
9.0%$75.91$87.16$99.71$113.66$129.12
10.0%$62.75$72.04$82.40$93.91$106.67
11.0%$52.86$60.68$69.39$79.08$89.81

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $0.00
Yahoo: $7.10

Results

Graham Number requires positive EPS and positive Book Value per share. EPS is zero or negative.
Graham Number
Current Price$7.24
Margin of Safety
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Current Price$7.24
Implied Near-term FCF Growth4.4%
Historical Revenue Growth6.1%
Historical Earnings Growth49.6%
Base FCF (TTM)$46.97M
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

Yahoo: $0.86

Results

DDM Intrinsic Value / share$17.72
Current Price$7.24
Upside / Downside+144.7%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: —
Current: —×
Default: $114.69M

Results

Implied Equity Value / share$-1.22
Current Price$7.24
Upside / Downside-116.8%
Implied EV$0