UFG

UFG — Valuation Models

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

Valuation Summary

ModelIntrinsic Valuevs Price ($1.13)
DCF$-117.61-10508.4%
Graham Number$0.29-74.1%
Reverse DCF
DDM
EV/EBITDA$3.73+230.3%

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

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: -$4.49M
Rev: 54.5% / EPS: -16.8%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$-117.82
Current Price$1.13
Upside / Downside-10526.4%
Net Debt (used)-$5.83M
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term46.5%50.5%54.5%58.5%62.5%
7.0%$-144.53$-165.18$-188.13$-213.58$-241.70
8.0%$-112.46$-128.50$-146.32$-166.07$-187.90
9.0%$-90.61$-103.50$-117.82$-133.69$-151.22
10.0%$-74.84$-85.47$-97.27$-110.34$-124.79
11.0%$-63.01$-71.93$-81.84$-92.82$-104.94

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $0.01
Yahoo: $0.38

Results

Graham Number$0.29
Current Price$1.13
Margin of Safety-74.1%
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Reverse DCF requires positive TTM free cash flow.
Current Price$1.13
Implied Near-term FCF Growth
Historical Revenue Growth54.5%
Historical Earnings Growth-16.8%
Base FCF (TTM)-$4.49M
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: —

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$1.13
Upside / Downside
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: $366,158
Current: 84.1×
Default: -$5.83M

Results

Implied Equity Value / share$3.73
Current Price$1.13
Upside / Downside+230.3%
Implied EV$30.79M
Sensitivity: EV/EBITDA multiple (rows) × Net Debt (cols)
Mult \ Net Debt-$2.01B-$1.01B-$5.83M$994.17M$1.99B
80.1x$207.35$105.47$3.58$-98.30$-200.19
82.1x$207.43$105.54$3.66$-98.23$-200.11
84.1x$207.50$105.62$3.73$-98.15$-200.04
86.1x$207.58$105.69$3.81$-98.08$-199.96
88.1x$207.65$105.77$3.88$-98.00$-199.89