Intrinsic Value Calculator
Free intrinsic value calculator with DCF and PE analysis, a sensitivity heatmap, and a one-click share card.
Reference: Stable 10–15× · Growth 15–25× · High-growth 25–40×
Reference: Aggressive 8% · S&P 500 avg 10% · Conservative 12%
For educational purposes only. Not financial advice.
Reference: Stable 10–15× · Growth 15–25× · High-growth 25–40×
Reference: Aggressive 8% · S&P 500 avg 10% · Conservative 12%
For educational purposes only. Not financial advice.
How Our Intrinsic Value Calculator Works
Enter a Ticker
Type any US stock symbol to begin. We auto-fill the latest free cash flow and price data.
Adjust Assumptions
Set growth rates, discount rate, and terminal value method to match your investment thesis.
Review Intrinsic Value
Instantly see the intrinsic value per share, margin of safety, and implied annual return.
Explore Sensitivity
Our heatmap shows how the intrinsic value shifts across combinations of growth rate and terminal-value assumption, with the discount rate held fixed.
Worked Example: From Free Cash Flow to Intrinsic Value
Take a hypothetical stock that generates $10.00 of free cash flow per share. Assume cash flow grows 8% per year for the next 5 years, the terminal value uses a 15x exit multiple, and the discount rate stays at the calculator default of 10%. Projected free cash flow rises from $10.80 per share in year 1 to $14.69 in year 5.
Discounting each of the 5 projected cash flows at 10% gives $47.34 of present value per share. The terminal value, 15 times the year 5 cash flow, discounts back to $136.85. Adding the two parts, $47.34 + $136.85, gives an intrinsic value estimate of $184.19 per share. At a market price of $150.00 the margin of safety is 18.56%, meaning the price sits 18.56% below the intrinsic value estimate.
Every figure in this example is hypothetical and chosen so the arithmetic is easy to check. It is not data for any real company and it is not investment advice. To run the same calculation with live data, enter a ticker in the calculator above.
Real Valuation Examples
See intrinsic value examples for popular US stocks. Click any card to view the full analysis.
How to Use Your Intrinsic Value Result
The stock appears significantly undervalued. A wide margin of safety like this reduces the downside risk in your valuation.
What is Margin of Safety? →The stock is trading near its intrinsic value. Weigh the quality of your assumptions and whether the company has a durable competitive moat before finalizing your valuation.
What is Intrinsic Value? →The current price exceeds our intrinsic value estimate by a wide margin. That does not 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 intrinsic value calculator.
An intrinsic value calculator estimates what a stock is really worth using the Discounted Cash Flow (DCF) method, projecting future free cash flows and discounting them to present value. It helps investors judge whether a stock is overvalued or undervalued versus its current market price. MiniValuator also offers a PE ratio calculator for an earnings-based view.
Valuation accuracy depends on the quality of your assumptions, especially the growth rate and discount rate. Small changes can significantly affect the result, which is why our tool includes a sensitivity heatmap. A DCF estimate is best used as a range rather than a precise target.
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. Your choice of discount rate is one of the most sensitive inputs in any valuation. In MiniValuator you set a single discount rate that you can edit directly; the default is 10%.
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, the father of value investing, recommended buying only with a meaningful margin of safety. It remains a core principle of sound investing.
Yes. Every new account gets 30 free credits. Each valuation costs 10 credits, so that is 3 full valuations. Searching stays free, and re-opening a stock you viewed in the last 7 days costs nothing. You can also enter every input manually without spending credits. When you need more, one-time credit packs start at $4.99. No subscription.
Intrinsic value is an estimate of what a business is really worth based on the cash it can generate, independent of the current market price. Read the full definition in our glossary.
Intrinsic value usually refers to a DCF-based estimate of a company's worth from its future cash flows, while fair value often refers to multiple-based estimates such as PE comparisons. This calculator supports both methods.
Learn more: What is intrinsic value? · Intrinsic value vs fair value