WTFC — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($146.68)
DCF	$-13.73	-109.4%
Graham Number	$161.78	+10.3%
Reverse DCF	—	—
DDM	$42.23	-71.2%
EV/EBITDA	—	—

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

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: —

Near-term growth (yrs 1–5)(%)Rev: 10.5% / EPS: 19.4%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 6.05%

Computed WACC: 6.05%

Cost of equity (Re)8.97%(Rf 4.30% + β 0.85 × 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)67.42%

Debt weight (D/V)32.58%

Results

Intrinsic Value / share$-13.73

Current Price$146.68

Upside / Downside-109.4%

Net Debt (used)$919.83M

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

WACC \ Near-term	11.4%	15.4%	19.4%	23.4%	27.4%
7.0%	$-13.73	$-13.73	$-13.73	$-13.73	$-13.73
8.0%	$-13.73	$-13.73	$-13.73	$-13.73	$-13.73
9.0%	$-13.73	$-13.73	$-13.73	$-13.73	$-13.73
10.0%	$-13.73	$-13.73	$-13.73	$-13.73	$-13.73
11.0%	$-13.73	$-13.73	$-13.73	$-13.73	$-13.73

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $11.40

Book Value / share($)Yahoo: $102.03

Results

Graham Number$161.78

Current Price$146.68

Margin of Safety+10.3%

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 6.05%

Terminal growth rate(%)

Computed WACC: 6.05%

Cost of equity (Re)8.97%(Rf 4.30% + β 0.85 × 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)67.42%

Debt weight (D/V)32.58%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$146.68

Implied Near-term FCF Growth—

Historical Revenue Growth10.5%

Historical Earnings Growth19.4%

Base FCF (TTM)—

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: $2.05

Dividend growth rate (g)(%)

Required return (r)(%)

Results

DDM Intrinsic Value / share$42.23

Current Price$146.68

Upside / Downside-71.2%

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: $919.83M

Results

Implied Equity Value / share$-13.73

Current Price$146.68

Upside / Downside-109.4%

Implied EV$0

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