What is a stock valuation calculator?

A stock valuation calculator estimates a stock's intrinsic value using the Discounted Cash Flow (DCF) method — projecting future free cash flows and discounting them to present value. It helps investors determine whether a stock is overvalued or undervalued relative to its current market price. MiniValuator also offers a PE ratio calculator for earnings-based stock valuation.

How accurate is stock valuation using DCF?

Stock valuation accuracy depends on the quality of your assumptions — especially growth rate and discount rate. Small changes can significantly impact the result, which is why our tool includes a sensitivity heatmap. Stock valuation using DCF is best used as a range estimate rather than a precise target.

What discount rate should I use?

Most investors use a rate between 8% and 12%, representing their minimum required return. A common approach is to use the Weighted Average Cost of Capital (WACC). Higher-risk companies warrant higher discount rates.

What is margin of safety in stock valuation?

Margin of safety is the percentage difference between a stock's intrinsic value and its market price. For example, if intrinsic value is $100 and the stock trades at $70, the margin of safety is 30%. Benjamin Graham and Warren Buffett recommend buying only with a meaningful margin of safety.

Is MiniValuator free to use?

Yes — every new account gets 50 free credits. Each valuation costs 1 credit. You can also manually enter all inputs without using any credits. Premium plans are available for heavy users who need unlimited auto-fill valuations.

Stock Valuation Calculator

Free stock valuation tool with DCF and PE ratio analysis, sensitivity heatmap, and one-click share card

Best coverage for US-listed stocks

Intrinsic Value

Search a stock to begin your valuationOr enter EPS and growth inputs manually

Valuation Inputs

EPS

Market Price

P/E Multiple

Reference: Stable 12–18× · Growth 20–35× · High-growth 35–60×

Discount Rate

Aggressive 8% · S&P 500 avg 10% · Conservative 12%

Annual Growth Rate (Yrs 1-5)

Sensitivity Analysis

—

For educational purposes only. Not financial advice.

Intrinsic Value

Search a stock to begin your valuationOr enter EPS and growth inputs manually

Best coverage for US-listed stocks

Valuation Inputs

EPS

Market Price

P/E Multiple

Reference: Stable 12–18× · Growth 20–35× · High-growth 35–60×

Discount Rate

Aggressive 8% · S&P 500 avg 10% · Conservative 12%

Annual Growth Rate (Yrs 1-5)

Sensitivity Analysis

—

For educational purposes only. Not financial advice.

How Our Stock Valuation Works

Step 1

Enter a Ticker

Type any US stock symbol — we auto-fill the latest free cash flow and price data.

Step 2

Adjust Assumptions

Set growth rates, discount rate, and terminal value method to match your investment thesis.

Step 3

Review Intrinsic Value

Instantly see per-share intrinsic value, margin of safety, and implied annual return.

Step 4

Explore Sensitivity

Our heatmap shows how valuation shifts across a matrix of growth and discount rates.

Learn the full DCF methodology — or try PE ratio valuation →

Real Valuation Examples

See stock valuation examples for popular US stocks. Click any card to view the full analysis.

How to Use Your Stock Valuation Result

Margin of Safety > 30%

The stock appears significantly undervalued. This is the zone value investors like Warren Buffett look for — a wide margin of safety reduces downside risk.

What is Margin of Safety? →

Within ±15% of Fair Value

The stock is trading near its intrinsic value. Consider the quality of your assumptions and whether the company has a durable competitive moat.

What is Intrinsic Value? →

Overvalued by > 20%

The current price exceeds our valuation estimate by a wide margin. This doesn't mean the stock will fall — but the expected return is lower at this price.

What is Free Cash Flow? →

Frequently Asked Questions

Common questions about our stock valuation calculator.

Stock Valuation Calculator

Free stock valuation tool with DCF and PE ratio analysis, sensitivity heatmap, and one-click share card

Best coverage for US-listed stocks

Intrinsic Value

Search a stock to begin your valuationOr enter EPS and growth inputs manually

Valuation Inputs

EPS

Market Price

P/E Multiple

Reference: Stable 12–18× · Growth 20–35× · High-growth 35–60×

Discount Rate

Aggressive 8% · S&P 500 avg 10% · Conservative 12%

Annual Growth Rate (Yrs 1-5)

Sensitivity Analysis

—

For educational purposes only. Not financial advice.

Intrinsic Value

Search a stock to begin your valuationOr enter EPS and growth inputs manually

Best coverage for US-listed stocks

Valuation Inputs

EPS

Market Price

P/E Multiple

Reference: Stable 12–18× · Growth 20–35× · High-growth 35–60×

Discount Rate

Aggressive 8% · S&P 500 avg 10% · Conservative 12%

Annual Growth Rate (Yrs 1-5)

Sensitivity Analysis

—

For educational purposes only. Not financial advice.

How Our Stock Valuation Works

Step 1

Enter a Ticker

Type any US stock symbol — we auto-fill the latest free cash flow and price data.

Step 2

Adjust Assumptions

Set growth rates, discount rate, and terminal value method to match your investment thesis.

Step 3

Review Intrinsic Value

Instantly see per-share intrinsic value, margin of safety, and implied annual return.

Step 4

Explore Sensitivity

Our heatmap shows how valuation shifts across a matrix of growth and discount rates.

Learn the full DCF methodology — or try PE ratio valuation →

Real Valuation Examples

See stock valuation examples for popular US stocks. Click any card to view the full analysis.

How to Use Your Stock Valuation Result

Margin of Safety > 30%

The stock appears significantly undervalued. This is the zone value investors like Warren Buffett look for — a wide margin of safety reduces downside risk.

What is Margin of Safety? →

Within ±15% of Fair Value

The stock is trading near its intrinsic value. Consider the quality of your assumptions and whether the company has a durable competitive moat.

What is Intrinsic Value? →

Overvalued by > 20%

The current price exceeds our valuation estimate by a wide margin. This doesn't mean the stock will fall — but the expected return is lower at this price.

What is Free Cash Flow? →

Frequently Asked Questions

Common questions about our stock valuation calculator.