UHG — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($1.18)
DCF	$-29.59	-2607.7%
Graham Number	—	—
Reverse DCF	—	—
DDM	—	—
EV/EBITDA	$3.18	+169.3%

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

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: -$29.77M

Near-term growth (yrs 1–5)(%)Rev: -23.5% / EPS: —

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 3.33%

Computed WACC: 3.33%

Cost of equity (Re)10.49%(Rf 4.30% + β 1.13 × 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)31.74%

Debt weight (D/V)68.26%

Results

Intrinsic Value / share$-195.21

Current Price$1.18

Upside / Downside-16642.8%

Net Debt (used)$123.60M

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

WACC \ Near-term	-3.0%	1.0%	5.0%	9.0%	13.0%
7.0%	$-29.80	$-34.68	$-40.36	$-46.93	$-54.50
8.0%	$-25.50	$-29.43	$-33.99	$-39.27	$-45.34
9.0%	$-22.53	$-25.80	$-29.59	$-33.97	$-39.00
10.0%	$-20.34	$-23.13	$-26.36	$-30.09	$-34.37
11.0%	$-18.67	$-21.09	$-23.90	$-27.13	$-30.83

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $-0.33

Book Value / share($)Yahoo: $0.90

Results

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

Graham Number—

Current Price$1.18

Margin of Safety—

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 3.33%

Terminal growth rate(%)

Computed WACC: 3.33%

Cost of equity (Re)10.49%(Rf 4.30% + β 1.13 × 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)31.74%

Debt weight (D/V)68.26%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$1.18

Implied Near-term FCF Growth—

Historical Revenue Growth-23.5%

Historical Earnings Growth—

Base FCF (TTM)-$29.77M

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$1.18

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: $171,986

Target EV/EBITDA multipleCurrent: 1122.2×

Net Debt($B)Default: $123.60M

Results

Implied Equity Value / share$3.18

Current Price$1.18

Upside / Downside+169.3%

Implied EV$193.00M

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

Mult \ Net Debt	-$1.88B	-$876.40M	$123.60M	$1.12B	$2.12B
1118.2x	$94.72	$48.93	$3.15	$-42.64	$-88.43
1120.2x	$94.74	$48.95	$3.16	$-42.63	$-88.41
1122.2x	$94.75	$48.97	$3.18	$-42.61	$-88.40
1124.2x	$94.77	$48.98	$3.19	$-42.59	$-88.38
1126.2x	$94.79	$49.00	$3.21	$-42.58	$-88.37

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