NASDAQ: OPRT - Oportun Financial Corporation

Price = Avg Price + (Avg Price * CAGR EPS% / 100)
EPS = Earning Per Share
CAGR EPS = CAGR 5 EPS
Key Rate — Nøkkelrente
Excess Key Rate — Ønsket overskridelse av styringsrenten
EPS = -4.88
CAGR EPS = 8.66%
Key Rate = 0.0433
Excess Key Rate = 2
Price = 4.03 + (4.03 * 8.66% / 100) = 4.37

Price = (Terminal Value + Company Value) / Count shares
Price - Fair pris
Terminal Value — kostnad i perioden etter prognose
Company Value — kostnad i prognoseperioden
Count shares - Antall aksjer
Terminal Value = Discount Ebitda(5) * (1 + Ebitda Yield) / (WACC - Ebitda Yield)
Company Value = ∑ (Discount Ebitda / (1 + WACC) ^ 5)
Discount Ebitda(5) = 0.0386
Ebitda Yield = -1.72
WACC = (Interest Expense / Debt) * (Weight Cost Debt) * (1 - Tax) + Cost Of Equity * Weight Debt
Interest Expense - Gjeldsbetjeningskostnader
Debt - Plikt
Weight Debt - Kapitaliseringsvekt i forhold til gjeld
Weight Cost Debt - Gjeldsvekt i forhold til kapitalisering
Tax - Avgift
Interest Expense = 0.1794
Debt = 2.63
Market Cap = 0.2244
Weight Debt = Market Cap / (Market Cap + Debt) = 0.2244 / (0.2244 + 2.63) = 0.0785
Weight Cost Debt = 100% - 0.0785 = 0.9215
Tax = 0.21
Cost Of Equity — diskonteringsrente
Cost Of Equity = k(f) + β * Risk Premium + Country Premium (Damodaran table)
k(f) — risikofri avkastning
β (beta) — bestemmer risikomålet for en aksje (aktiva) i forhold til markedet og viser sensitiviteten til endringer i aksjens lønnsomhet i forhold til endringer i markedslønnsomheten.
Risk Premium — risikopremie - premie for risikoen ved å investere i aksjer
Country Premium - landrisiko
k(f) = 2.89
β = 3.5
Risk Premium = 5.94
Country Premium = 0
Cost Of Equity = 2.89 + 3.5 * 5.94 + 0 = 0.2368
WACC = (0.1794 / 2.63) * (100% - 0.0785) * (1 - 0.21) + 0.2368 + 0.0785 = 5.4
Terminal Value = Discount (0.0386 * (1 + -1.72) / (5.4 - -1.72)) = -0.0121
Company Value = ∑ (0.0386 / (1 + 5.4) ^ 5) = 0.0928
Price = (Terminal Value + Company Value) / Count shares = (-0.0121 + 0.0928) / 36880000 = 2.19

Price = (Terminal Value + Company Value) / Count shares
Price - Fair pris
Terminal Value — kostnad i perioden etter prognose
Company Value — kostnad i prognoseperioden
Count shares - Antall aksjer
Terminal Value = Discount FCF(5) * (1 + FCF Yield) / (WACC - FCF Yield)
Company Value = ∑ (Discount FCF / (1 + WACC) ^ 5)
Discount FCF(5) = 0.603
FCF Yield = 0.1077
WACC = (Interest Expense / Debt) * (Weight Cost Debt) * (1 - Tax) + Cost Of Equity * Weight Debt
Interest Expense - Gjeldsbetjeningskostnader
Debt - Plikt
Weight Debt - Kapitaliseringsvekt i forhold til gjeld
Weight Cost Debt - Gjeldsvekt i forhold til kapitalisering
Tax - Avgift
Interest Expense = 0.1794
Debt = 2.63
Market Cap = 0.2244
Weight Debt = Market Cap / (Market Cap + Debt) = 0.2244 / (0.2244 + 2.63) = 0.0785
Weight Cost Debt = 100% - 0.0785 = 0.9215
Tax = 0.21
Cost Of Equity — diskonteringsrente
Cost Of Equity = k(f) + β * Risk Premium + Country Premium (Damodaran table)
k(f) — risikofri avkastning
β (beta) — bestemmer risikomålet for en aksje (aktiva) i forhold til markedet og viser sensitiviteten til endringer i aksjens lønnsomhet i forhold til endringer i markedslønnsomheten.
Risk Premium — risikopremie - premie for risikoen ved å investere i aksjer
Country Premium - landrisiko
k(f) = 2.89
β = 3.5
Risk Premium = 5.94
Country Premium = 0
Cost Of Equity = 2.89 + 3.5 * 5.94 + 0 = 0.2368
WACC = (0.1794 / 2.63) * (100% - 0.0785) * (1 - 0.21) + 0.2368 + 0.0785 = 5.4
Terminal Value = Discount (0.603 * (1 + 0.1077) / (5.4 - 0.1077)) = 9.55
Company Value = ∑ (0.603 / (1 + 5.4) ^ 5) = 2.1
Price = (Terminal Value + Company Value) / Count shares = (9.55 + 2.1) / 36880000 = 316.04