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Discount rate

The annual rate used to convert future cash into present value, set to reflect the risk and the opportunity cost of the money.

For enterprise valuation the discount rate is wacc; for equity cash flows it is cost-of-equity. Companies also use an internal hurdle rate for project approval, usually set above WACC to leave a margin for error.

A one-point change in the rate can move a valuation by 15% or more, which is why the rate deserves as much thought as the forecast. It is also the channel through which central bank policy reaches equity prices.

Example: Northwind Tools valued at 8.1% gives $2.9B of enterprise value. At 9.1% it gives $2.5B, and at 7.1% it gives $3.5B, on identical cash flow forecasts.

Related: wacc, cost-of-equity, present-value, sensitivity-analysis, discounted-cash-flow

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