Pick a model
Open Calculate and select Graham, DDM, or DCF. The inputs change automatically for the selected model.
Quick guide
How to use it.
Keep your assumptions realistic, then use the result as a valuation estimate—not a prediction.
Enter the numbers
Fill every field. Percentages are entered as percentages, while dollar inputs use plain numeric values.
Interpret the result
Compare intrinsic value with the current price. The gauge shows the relationship visually.
Why assumptions matter
Intrinsic value is sensitive to the assumptions you enter. In particular, growth and discount rates can materially change a DCF or dividend valuation.
Why a model can fail
No single formula captures every business. Cyclical companies, rapidly changing businesses, firms with negative free cash flow, or companies with unusual capital structures may require a more detailed analysis.
What the verdict means
Undervalued means the estimated intrinsic value is more than 10% above the current price. Balanced covers the middle range. Overvalued means the current price is more than 10% above the estimate.
Reminder: This calculator is an educational valuation tool. It does not provide investment advice or guarantee future returns.
What does intrinsic value mean?
Intrinsic value is an estimate of what an asset or business may be worth based on its fundamentals rather than its current market price. Different valuation models can produce different estimates because they use different assumptions.
Which valuation model should I use?
Use the Graham Formula for a quick earnings-and-growth estimate, DDM for businesses with sustainable dividends, and DCF when you can forecast future cash flows. It can be useful to compare more than one model.
Why is my DCF result so sensitive?
DCF calculations compound assumptions over several years. Changes to expected growth, discount rate or terminal value can significantly change the present-value estimate.
What is a reasonable discount rate?
There is no universal rate. The appropriate required return depends on risk, opportunity cost, financing conditions and the investor’s assumptions. Test multiple reasonable rates rather than relying on a single number.
Can the calculator predict a stock price?
No. The calculator estimates value from user-supplied assumptions. A valuation estimate is not a price forecast, guarantee or recommendation.
Why do two valuation models give different values?
Models focus on different drivers. One may emphasize earnings, another dividends, and another future free cash flow. Differences can reveal where assumptions deserve more attention.
What is a margin of safety?
It is the difference between an estimated intrinsic value and the market price, expressed as a percentage. Investors may seek a margin of safety because valuation estimates are uncertain.
Are my inputs stored?
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