USIO — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($1.41)
DCF	$0.20	-85.7%
Graham Number	—	—
Reverse DCF	—	implied g: 67.3%
DDM	—	—
EV/EBITDA	$1.35	-4.3%

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

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: $72,170

Near-term growth (yrs 1–5)(%)Rev: -0.7% / EPS: —

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 10.44%

Computed WACC: 10.44%

Cost of equity (Re)11.39%(Rf 4.30% + β 1.29 × 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)91.62%

Debt weight (D/V)8.38%

Results

Intrinsic Value / share$0.19

Current Price$1.41

Upside / Downside-86.3%

Net Debt (used)-$4.23M

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

WACC \ Near-term	-3.0%	1.0%	5.0%	9.0%	13.0%
7.0%	$0.20	$0.21	$0.22	$0.23	$0.25
8.0%	$0.19	$0.20	$0.21	$0.22	$0.23
9.0%	$0.19	$0.19	$0.20	$0.21	$0.22
10.0%	$0.18	$0.19	$0.19	$0.20	$0.21
11.0%	$0.18	$0.18	$0.19	$0.20	$0.20

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $-0.02

Book Value / share($)Yahoo: $0.68

Results

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

Graham Number—

Current Price$1.41

Margin of Safety—

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 10.44%

Terminal growth rate(%)

Computed WACC: 10.44%

Cost of equity (Re)11.39%(Rf 4.30% + β 1.29 × 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)91.62%

Debt weight (D/V)8.38%

Results

Current Price$1.41

Implied Near-term FCF Growth73.3%

Historical Revenue Growth-0.7%

Historical Earnings Growth—

Base FCF (TTM)$72,170

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$1.41

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: $245,273

Target EV/EBITDA multipleCurrent: 133.1×

Net Debt($B)Default: -$4.23M

Results

Implied Equity Value / share$1.35

Current Price$1.41

Upside / Downside-4.3%

Implied EV$32.64M

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

Mult \ Net Debt	-$2.00B	-$1.00B	-$4.23M	$995.77M	$2.00B
129.1x	$74.55	$37.93	$1.31	$-35.31	$-71.92
131.1x	$74.57	$37.95	$1.33	$-35.29	$-71.91
133.1x	$74.59	$37.97	$1.35	$-35.27	$-71.89
135.1x	$74.61	$37.99	$1.37	$-35.25	$-71.87
137.1x	$74.62	$38.01	$1.39	$-35.23	$-71.85

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