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Decision reportDecision summary
Business Valuation Reality Calculator
The planning range is $568,314 to $768,895, based on adjusted EBITDA of $220,000 and a blended valuation check.
Decision index
$668,604
Estimated equity value
Key figures
Adjusted EBITDA
$220,000Multiple valuation
$660,000DCF check value
$1,092,454Estimated equity value
$668,604Findings snapshot
What deserves attention first
These signals are the strongest points to review before relying on the result.
The selected multiple is within a more conservative small-business range.
Debt is not the main drag on equity value in this scenario.
The cashflow check broadly supports the multiple valuation.
Status mix
Metric health
Green is healthier, yellow needs monitoring, and red needs action.
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Decision reportMetric dashboard
Relative strength of the main numbers
These bars compare the largest numeric signals in this report. Each value keeps its own unit, so use the chart as a visual guide rather than a like-for-like financial comparison.
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Decision reportMetric notes
What each result means
Each row explains the result in practical language and highlights whether it is healthy, worth watching, or needs action.
Adjusted EBITDA
$220,000HealthyMaintainable earnings after the entered owner or one-off adjustment. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked healthy.
Multiple valuation
$660,000HealthyAdjusted EBITDA multiplied by the selected earnings multiple. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked healthy.
DCF check value
$1,092,454HealthyProjected earnings discounted for risk, plus a terminal value. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked healthy.
Estimated equity value
$668,604HealthyEnterprise value less business debt. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked healthy.
Valuation range
$568,314 - $768,895HealthyA practical discussion range around the blended estimate. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked healthy.
Revenue multiple
0.63xHealthyEnterprise value compared with annual revenue. This is one of the main numbers behind the result. It is marked healthy based on the entered assumptions.
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Decision reportFindings
Plain-English interpretation
These findings translate the numbers into decision points.
The selected multiple is within a more conservative small-business range.
Debt is not the main drag on equity value in this scenario.
The cashflow check broadly supports the multiple valuation.
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Decision reportAction plan
What to do next
Recommended actions are based on the strongest signals in the result. Use them to decide what to check, change, or confirm.
Action 1
Review decision signal 1
- What it means
- The selected multiple is within a more conservative small-business range. Read this together with Adjusted EBITDA ($220,000) to see what is driving the result.
- Why it matters
- Maintainable earnings after the entered owner or one-off adjustment. This is one of the main numbers behind the result.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Adjusted EBITDA: $220,000; Multiple valuation: $660,000; DCF check value: $1,092,454
Action 2
Prioritise debt pressure
- What it means
- Debt is not the main drag on equity value in this scenario. Read this together with Multiple valuation ($660,000) to see what is driving the result.
- Why it matters
- Adjusted EBITDA multiplied by the selected earnings multiple. This is one of the main numbers behind the result.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Adjusted EBITDA: $220,000; Multiple valuation: $660,000; DCF check value: $1,092,454
Action 3
Protect monthly cashflow
- What it means
- The cashflow check broadly supports the multiple valuation. Read this together with DCF check value ($1,092,454) to see what is driving the result.
- Why it matters
- Projected earnings discounted for risk, plus a terminal value. This is one of the main numbers behind the result.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Adjusted EBITDA: $220,000; Multiple valuation: $660,000; DCF check value: $1,092,454
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Decision reportScenario inputs
Values used in the calculation
These inputs are the basis of the report. If any value changes, regenerate the report before relying on the result.
Annual revenue
Latest normalised annual revenue.$1,250,000Annual EBITDA
Earnings before interest, tax, depreciation, and amortisation.$185,000Owner adjustment
Add-back or deduction for owner salary, personal costs, or one-off items.$35,000Expected annual growth
Conservative annual growth assumption for earnings.5.00%Earnings multiple
Market multiple applied to adjusted EBITDA.3.0xDiscount rate
Risk-adjusted discount rate used for the cashflow check.18.00%Net operating assets
Stock, equipment, working capital, and surplus assets less asset-specific liabilities.$90,000Business debt
Debt or obligations that reduce equity value.$120,000Assumptions
How to read the result
- Adjusted EBITDA is used as the core maintainable earnings measure.
- The DCF check projects earnings growth and discounts future cashflow.
- The result is a planning range, not a formal valuation.
Professional note
Before acting
This report is a decision-support summary based on the assumptions entered. It is not financial, tax, lending, or legal advice. Confirm product terms, fees, tax treatment, and policy settings before making a financial commitment.
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Decision reportTerms explained
Key terms used in this report
These definitions explain finance terms and strategies that appear in the result.
Risk-adjusted return
An investment return reduced for risk preference. It helps compare a less certain investment outcome with the more certain benefit of reducing debt.
Surplus
Money left after the main expenses and repayments are counted. A positive surplus creates breathing room; a negative surplus signals pressure.
EBITDA
Earnings before interest, tax, depreciation, and amortisation. It is commonly used as a maintainable earnings measure in business valuation.
DCF
Discounted cashflow. Future cashflows are reduced for time and risk to estimate what they may be worth today.
BAS
Business Activity Statement. Australian businesses use it to report GST and other obligations to the ATO.