PowerPoint Presentation prepared by Traven Reed Canadore College chapter 11 Cash Flow Estimation and Risk Analysis Corporate Valuation, Cash Flows, and Risk Analysis CH11 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-3 Topics in Chapter CH11 • Estimating cash flows: – – – – Relevant cash flows Capital cost allowance Working capital treatment Inflation • Capital budgeting with risk issues • Project risk analysis • Managing risk with staged-decision Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-4 Estimating Cash Flows CH11 • The most important and also most difficult step in analyzing a capital budgeting project is the project cash-flow estimation. • Project cash flows mean actual cash to be received or paid. • Credit policy is invariably ignored in the capital budgeting process. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-5 Relevant Cash Flows CH11 • Additional free cash flow that firms can expect if they implement the project. • Only incremental amounts are considered. • FCF/NCF = investment outlay CF + operating CF + net operating working capital CF + salvage CF Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-6 CH11 Capital Cost Allowance (CCA) • Income Tax Act (ITA) does allow firms to deduct CCA, which is similar to amortization for book purposes, in calculating taxable income. • CCA calculation is similar to declining balance amortization for most assets. • A non-cash expenses involving no actual cash outflow. • Have deep cash flow implications. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-7 CCA (Cont’d) CH11 • Apply to tangible assets based on CCA class specification. • Pool concept, not concerned with the economic life and salvage value of any individual asset. • Un-depreciated capital cost (UCC) is the amount remaining to be claimed (i.e. book value) as CCA for an asset class. • UCC ≠ market value in general. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-8 CH11 Effect of CCA Depreciation on Income and Cash Flow Company A Company B Sales $100,000 $100,000 Cost of good sold 30,000 30,000 Gross profit $70,000 $70,000 Operating expenses 50,000 50,000 Depreciation (CCA) 0 10,000 Earning before tax $20,000 $10,000 Tax @30% 6,000 3,000 Net income $14,000 $7,000 + Depreciation 0 10,000 Cash flow $14,000 $17,000 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-9 Common Asset Classes CH11 • CCA tax shield = CCA × tax rate Class Description CCA Rate 1 Buildings 4% 8 Machinery, equipment, furniture 20% 10 Vehicles 30% 12 Computer software 100% 13 Leasehold improvements Straight line; use lesser of 5 years or the lease term 43 Manufacturing assets 30% 45 Computer hardware 45% Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-10 CCA Calculation CH11 • Half-year rule allows to include just onehalf of the asset purchase cost for CCA calculation in the year it is bought. • This rule is to discourage the last minute purchase. Regardless when the asset is actually purchased, deduction is the same. • The remaining half of the purchase cost is added to the asset class in the subsequent year. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-11 CCA Calculation (cont’d) CH11 • If net asset acquisition (purchases > sales) is positive, the half-year rule applies(a). Year Bgn. UCC Add/Disp Sales Proceeds UCC before CCA CCA @30% 2006 $0 $30,000 -- $30,000 $4,500 2007 $25,500 -- -- $25,500 $7,650 2008 $17,850 $40,000 --- $57,850 $11,355 2009 $46,495 $12,000 $10,000(a) $48,495 $14,249 $12,000 $20,000(b) $38,495 $11,549 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-12 CCA Remarks CH11 • Half-year rule does not apply to CCA calculations when there is a net capital asset disposition(b) • Adjusted cost of disposal = min [original cost, sales proceeds] • Finding the present value of CCA tax shield is the concern • In principle, tax savings from CCA go on even when the project in question ends Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-13 CH11 Taxation for Sales/Purchases of Assets • Recapture occurs when the sale of an asset creates a negative UCC balance. CCA recapture is fully taxable. • Terminal loss arises when the asset pool is closed, but the UCC is still positive after selling the last item. Loss may be deducted from income. • Capital gain exists when the asset is sold for more than its initial cost. Gains are taxed at 50%. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-14 Proposed Expansion Project CH11 • $200,000 cost + $10,000 shipping + $30,000 installation. • Economic life = 4 years • Salvage value = $25,000 • CCA class 43 with a 30% rate Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-15 Project Input Data CH11 • • • • Annual unit sales = 1,250 Unit sales price = $200 Unit costs = $100 Net operating working capital (NOWC) = 12% of sales. • Tax rate = 40% • Project cost of capital = 10% • Inflation = 3% Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-16 What is the depreciation basis? CH11 Depreciation basis is the capital cost of the asset established for CCA calculation Basis = Cost + Shipping + Installation = $240,000 Annual CCA deduction = Applicable UCC × CCA rate Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-17 Annual Depreciation Expense (000s) CH11 Year % X (Initial Basis) = Depr. $240 $72.0 1 0.30 2 0.30 50.4 3 0.30 35.28 4 0.30 24.696 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-18 Annual Sales and Costs CH11 Year 1 Year 2 Year 3 Year 4 Units 1250 1250 1250 1250 Unit Price $200 $206 $212.18 $218.55 Unit Cost $100 $103 $106.09 $109.27 Sales $250,000 $257,500 $265,225 $273,188 Costs $125,000 $128,750 $132,613 $136,588 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-19 Operating Cash Flows (Years 1 and 2) CH11 Sales Costs EBIT Taxes (40%) Op. CF + CCA Tax Shield Net Op. Year 1 $250,000 $125,000 $125,000 Year 2 $257,500 $128,750 $128,750 $50,000 $75,000 $51,500 $77,250 $14,400 $60,600 $24,480 $52,770 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-20 Operating Cash Flows (Years 3 and 4) CH11 Sales Costs EBIT Taxes (40%) Op. CF + CCA Tax Shield Net Op. Year 3 $265,225 $132,613 $132,612 Year 4 $273,188 $136,588 $136,588 $53,045 $79,567 $54,635 $81,953 $17,136 $62,431 $ 5,141 $76,812 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-21 Cash Flows due to Investments in Net Operating Working Capital (NOWC) CH11 Sales Year 0 Year 1 Year 2 Year 3 Year 4 $250,000 $257,500 $265,225 $273,188 NOWC CF Due to (12% of Investment sales) in NOWC $30,000 -$30,000 $30,900 -$900 $31,827 -$927 $32,783 -$956 $0 $32,783 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-22 Salvage Cash Flow at t = 4 (000s) CH11 Salvage Value Book Value (Assume full depreciation) Gain or loss Tax (40%) on SV $25 0 Net Terminal CF $15 $25 10 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-23 Net Cash Flows for Years 1-3 CH11 Init. Cost Op. CF NOWC CF Salvage CF Net CF Year 0 Year 1 Year 2 -$240,000 0 0 0 $60,600 $52,770 -$30,000 -$900 -$927 0 0 0 -$270,000 $59,700 $51,843 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-24 Net Cash Flows for Years 4-5 CH11 Init. Cost Op. CF NOWC CF Salvage CF Net CF Year 3 Year 4 0 0 $62,431 $76,812 -$956 $32,783 0 $15,000 $61,475 $124,595 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-25 Project Net CFs on a Time Line CH11 0 1 (270,000) 59,700 2 3 4 51,843 61,475 124,595 Enter CFs in the register and I = 10. NPV = -$41,595 < 0, reject. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-26 Use MIRR to double check the proposed project CH11 0 1 (270,000) 59,700 2 51,843 3 4 61,475 124,595 67,623 62,730 79,461 (270,000) MIRR = ? Copyright © 2011 by Nelson Education Ltd. All rights reserved. 334,409 11-27 Calculator Solution CH11 • Enter positive CFs in CFLO. Enter I = 10. Solve for NPV = $228,405 • Now use TVM keys: PV = -228,405, • N = 4, I = 10; PMT = 0; Solve for FV = 334,409 (This is total of inflows) • Use TVM keys: N = 4; FV = 334,409; PV = -270,000; PMT= 0; Solve for I = ? • I = 5.49% < 10% (WACCproject), reject. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-28 Determining Project Cash Flows CH11 • Free (or net) cash flows from operation may increase because operating sales increase, operating costs decrease, or both occur • FCF/NCF = EBIT – Taxes + CCA deduction = Net income + CCA deduction • OCF/NCF = (Sales – Cash costs)(1 - Tc) + (CCA)(Tc) = cash flows from the operating project + tax savings from the CCA • Find the PV of each set of CFs independently, and add them to get the NPV. • PVTS calculation is tedious. PV of the CCA tax shield CH11 • The formula offers a one-step solution instead of finding separately for each year’s PV from the CCA tax shield. • PV of CCA tax shield: C d Tc 1 0.5r 1 S d Tc PVTS n r d 1 r ( 1 r ) r d • The setup assumes the asset class remains open after the asset is sold (i.e. UCC > 0). Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-30 PVTS Formula: Interpretation CH11 C d Tc 1 0.5r 1 S d Tc PVTS n d r 1 r (1 r ) d r (1)( 2) (3)( 4) • (1) calculates the total PV of the tax shield assuming the asset is held in perpetuity • (2) accounts for the half-year rule • (3) discounts the lost tax shield to the present time • (4) calculates the PV (at time of sale) of the tax shield given up from selling the asset Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-31 CH11 PV (CCA Tax Shield) Computational Formula C d Tc 1 0.5r 1 S d Tc PVTS n d r 1 r ( 1 r ) d r C = $8,000 = capital cost of the asset d = 30% = CCA rate of the asset class Tc = 30% = corporate tax rate r = 12% = discount rate S = $2,000 = salvage value of the asset PVTS = $1,350 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-32 Change in Net Operating Working Capital (ΔNOWC) CH11 • The difference between the change in current assets and current liabilities associated with a project • ΔNOWC = ΔCA – ΔCL > or < 0 • Changes in new working capital merely involve the net build-up or reduction of current accounts • All changes will be reverted by the end of the project’s life. ∆NOWC: Example CH11 • • • • A/R: $150;$170 Δ=$20 (addition) Inventory:$278;$325 Δ=$47 (addition) A/P: $250;$221 Δ=-$29 (addition) ΔNOWC = ΔCA - ΔCL = [Δ(A/R)+Δ(Inv)][Δ(A/P)] = [(20+ 47)] – (-29) = $96 • We need an extra investment of $96 in order to get this project running Treatment of Financing Costs CH11 • Should you subtract interest expense or dividends when calculating CF? • NO. We discount project cash flows with a cost of capital that is the rate of return required by all investors (not just debtholders or stockholders), and so we should discount the total amount of cash flow available to all investors. • They are part of the costs of capital. If we subtracted them from cash flows, we would be double counting capital costs. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-35 Sunk Costs CH11 • Suppose $100,000 had been spent last year to improve the production line site. Should this cost be included in the analysis? • NO. This is a sunk cost. Focus on incremental investment and operating cash flows. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-36 Opportunity Costs CH11 • Suppose the plant space could be leased out for $25,000 a year. Would this affect the analysis? • Yes. Accepting the project means we will not receive the $25,000. This is an opportunity cost and it should be charged to the project. • After-tax opportunity cost = $25,000 (1 T) = $15,000 annual cost. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-37 Externalities CH11 • If the new product line would decrease sales of the firm’s other products by $50,000 per year, would this affect the analysis? • Yes. The effects on the other projects’ CFs are “externalities”. • Net CF loss per year on other lines would be a cost to this project. • Externalities will be positive if new projects are complements to existing assets, negative if substitutes. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-38 Incremental CF for a Project CH11 • A replacement project occurs when the firm replaces an existing asset with a new one. • Project’s incremental cash flow = (corporate cash flow with the project) – (corporate cash flow without the project) Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-39 Timing of CF CH11 • In theory, CFs should be analyzed exact as they occur due to the TVM • In practice, we cannot afford such degree of detail • In general, although we assume all CFs occur at the end of every year. we may need to estimate mid-year, quarterly or monthly CFs. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-40 Why is it important to include inflation when estimating cash flows? CH11 • Nominal r > real r. The cost of capital, r, includes a premium for inflation. • Nominal CF > real CF. This is because nominal cash flows incorporate inflation. • If you discount real CF with the higher nominal r, then your NPV estimate is too low. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-41 Inflation (cont’d) CH11 • Nominal CF should be discounted with nominal r, and real CF should be discounted with real r. • Practically, it is more realistic to find the nominal CF (i.e., increase cash flow estimates with inflation) than it is to reduce the nominal r to a real r. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-42 Inflation Adjustment CH11 • Nominal CFt = Real CFt × (1 + i)t • Fisher equation: (1+rNOM) = (1+ rr) ×(1 + i) • NPV(with inflation): N NCFt ( RCFt )(1 i)t t t t ( 1 r ) ( 1 r ) ( 1 i ) t 0 t 0 NOM r N • No inflation: N ( RCFt ) NPV t ( 1 r ) t 0 r Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-43 What does “risk” mean in capital budgeting? CH11 • Uncertainty about a project’s future profitability. • Measured by σNPV, σIRR, beta. • Will taking on the project increase the firm’s and stockholders’ risk? Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-44 Is risk analysis based on historical data or subjective judgment? CH11 • Can sometimes use historical data, but generally cannot. • So risk analysis in capital budgeting is usually based on subjective judgments. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-45 What three types of risk are relevant in capital budgeting? CH11 • • • • Stand-alone risk Corporate risk Market (or beta) risk They are highly correlated - if the general economy does well, so will the firm, and it the firm does well, so will most of its projects. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-46 Stand-Alone Risk CH11 • The project’s risk if it were the firm’s only asset and there were no shareholders. • Ignores both firm and shareholder diversification. • Measured by the σ or CV of NPV, IRR, or MIRR. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-47 Probability Density CH11 Flatter distribution, larger , larger stand-alone risk. 0 E(NPV) Copyright © 2011 by Nelson Education Ltd. All rights reserved. NPV 11-48 Corporate Risk CH11 • Reflects the project’s effect on corporate earnings stability. • Considers firm’s other assets (diversification within firm). • Depends on project’s σ, and its correlation, ρ, with returns on firm’s other assets. • Measured by the project’s corporate beta. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-49 Project X is negatively correlated to firm’s other assets, so has big diversification benefits. CH11 Profitability If r = 1.0, no diversification benefits. If r < 1.0, some diversification benefits. Project X Total Firm Rest of Firm 0 Years Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-50 Market Risk CH11 • Reflects the project’s effect on a well-diversified stock portfolio. • Takes account of stockholders’ other assets. • Depends on project’s σ and correlation with the stock market. • Measured by the project’s market beta. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-51 How is each type of risk used? CH11 • Market risk is theoretically best in most situations. • However, creditors, customers, suppliers, and employees are more affected by corporate risk. • Therefore, corporate risk is also relevant. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-52 How is each type of risk used? (cont’d) CH11 • Stand-alone risk is easiest to measure, more intuitive. • Core projects are highly correlated with other assets, so stand-alone risk generally reflects corporate risk. • If the project is highly correlated with the economy, stand-alone risk also reflects market risk. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-53 Sensitivity Analysis CH11 • Shows how changes in a variable such as unit sales affect NPV or IRR. • Each variable is fixed except one. Change this one variable to see the effect on NPV or IRR. • Answers “what if” questions, e.g. “What if sales decline by 30%?” Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-54 CH11 Evaluating Risk: Sensitivity Graph Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-55 Results of Sensitivity Analysis CH11 • Steeper sensitivity lines show greater risk. Small changes result in large declines in NPV. • Unit sales line is steeper than salvage value or r, so for this project, should worry most about accuracy of sales forecast. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-56 What are the weaknesses of sensitivity analysis? CH11 • Does not reflect diversification. • Says nothing about the likelihood of change in a variable, i.e. a steep sales line is not a problem if sales won’t fall. • Ignores relationships among variables. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-57 Why is sensitivity analysis useful? CH11 • Gives some idea of stand-alone risk. • Identifies dangerous variables. • Gives some breakeven information. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-58 Scenario Analysis CH11 • Examines several possible situations, usually worst case, most likely case, and best case. • Provides a range of possible outcomes. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-59 Best scenario: 1,600 units @ $240 Worst scenario: 900 units @ $160 CH11 Scenario Probability NPV(000) Best 0.25 $279 Base 0.50 88 Worst .025 -49 E(NPV) = $101.5 σ(NPV) = 116.6 CV(NPV) = σ(NPV)/E(NPV) = 1.15 Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-60 Are there any problems with scenario analysis? CH11 • Only considers a few possible outcomes. • Assumes that inputs are perfectly correlated--all “bad” values occur together and all “good” values occur together. • Focuses on stand-alone risk, although subjective adjustments can be made. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-61 Monte Carlo Simulation CH11 • A computerized version of scenario analysis which uses continuous probability distributions. • Computer selects values for each variable based on given probability distributions. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-62 Simulation Analysis (cont’d) CH11 • NPV and IRR are calculated. • Process is repeated many times (1,000 or more). • End result: Probability distribution of NPV and IRR based on sample of simulated values. • Generally shown graphically. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-63 00 30 0) ,0 00 ) 60 , $3 $0 0, 0 $6 00 0, 0 $9 00 0, $1 000 20 , $1 000 50 , $1 000 80 , $2 000 10 , $2 000 40 , $2 000 70 , $3 000 00 , $3 000 30 , $3 000 60 ,0 00 ($ ($ Probability of NPV Histogram of Results CH11 12% 10% 8% 6% 4% 2% 0% NPV Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-64 What are the advantages of simulation analysis? CH11 • Reflects the probability distributions of each input. • Shows range of NPVs, the expected NPV, σNPV, and CVNPV. • Gives an intuitive graph of the risk situation. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-65 What are the disadvantages of simulation? CH11 • Difficult to specify probability distributions and correlations. • If inputs are bad, output will be bad: “Garbage in, garbage out.” Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-66 Project Risk Conclusions CH11 • Sensitivity, scenario, and simulation analyses do not provide a decision rule. They do not indicate whether a project’s expected return is sufficient to compensate for its risk. • Sensitivity, scenario, and simulation analyses all ignore diversification. Thus they measure only stand-alone risk, which may not be the most relevant risk in capital budgeting. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-67 If the firm’s average project has a CV of 0.2 to 0.4, is this a high-risk project? What type of risk is being measured? CH11 • CV from scenarios = 0.74, CV from simulation = 0.62 Both are > 0.4, this project has high risk. • CV measures a project’s standalone risk. • High stand-alone risk usually indicates high corporate and market risks. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-68 With a 3% risk adjustment, should our project be accepted? CH11 • • • • Project r = 10% + 3% = 13% That’s 30% above base r NPV = $65,371 Project remains acceptable after accounting for differential (higher) risk. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-69 Should subjective risk factors be considered? CH11 • Yes. A numerical analysis may not capture all of the risk factors inherent in the project. • For example, if the project has the potential for bringing on harmful lawsuits, then it might be riskier than a standard analysis would indicate. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-70 CH11 Incorporating Project Risk into Capital Budgeting • Risk-adjusted discount rate (RADR) or project cost of capital is used to evaluate a particular project • Each project carries different risk • The corporate rWACC is based on the firm’s average risk project • Adjust rWACC upward/downward for more/less risky projects Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-71 Decision Trees CH11 • A form of scenario analysis in which different actions are taken in different scenarios. • The analysis becomes very helpful whenever new information arrives. • If investment is made in stages, the flexibility improves decision making with decision tree analysis. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-72 Real option CH11 • Real options exist when managers can influence the size and risk of a project’s cash flows by taking different actions during the project’s life in response to changing market conditions. • Alert managers always look for real options in projects. • Smarter managers try to create real options. Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-73 Types of real options CH11 • Investment timing options • Growth options – Expansion of existing product line – New products – New geographic markets • Abandonment options – Contraction – Temporary suspension • Flexibility options Copyright © 2011 by Nelson Education Ltd. All rights reserved. 11-74