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Business valuation calculator

How much might my business be worth?

Build the range from the bottom up: normalize EBITDA or SDE, apply a market-supported multiple, bridge enterprise value to equity value, and identify the business risks a buyer is likely to test.

Detailed owner valuation model

Show the math.
Then pressure-test the assumptions.

The calculator is detailed where detail helps and restrained where evidence is required. It will not invent an industry multiple or hide unsupported precision inside a score.

01
Normalize earningsSeparate reported performance from supportable adjustments.

EBITDA is commonly used when a business can support professional management. Working-owner compensation should be normalized to a market rate before relying on the result.

Calculated normalized EBITDA$2.0M
02
Apply a market-supported rangeUse multiples supported by comparable transactions or a qualified professional.
03
Bridge enterprise value to equityIdentify balance-sheet and closing adjustments separately.

Use a positive working-capital adjustment for modeled excess and a negative adjustment for a modeled shortfall. Most transactions expect a normal level of working capital to remain in the business; only the difference belongs here.

04
Pressure-test transferabilityThese answers explain risk; they do not silently change your multiple.

Illustrative indicated equity-value range

$7.0M to $11.0MMidpoint: $9.0M. This is a planning range based on the assumptions you supplied—not an appraisal.

Reported EBITDA$1.8M

Supported add-backs+ $350K

Recurring / replacement costs$150K

Normalized EBITDA$2.0M · 20.0% margin

Selected multiple range4.00×–6.00×

Indicated enterprise value$8.0M$12.0M

Less interest-bearing debt$1.5M

Plus excess cash+ $500K

Working-capital adjustment$0K

Other net adjustments$0K

Equity-value sensitivity10% earnings variance × selected multiples
Earnings case4.00×5.00×6.00×
Downside$1.8M$6.2M$8.0M$9.8M
Base$2.0M$7.0M$9.0M$11.0M
Upside$2.2M$7.8M$10.0M$12.2M
Transferability profile: Mixed evidence

The first issues to test are: Revenue repeats, but is not contractually protected; Some customer concentration needs to be quantified; Some key relationships or decisions still depend on the owner.

This profile does not change the selected multiple. It identifies where market evidence and buyer diligence may challenge it.
This educational model does not validate add-backs, select a market multiple, determine control or marketability discounts, allocate purchase price, model buyer synergies, or estimate sale proceeds. It is not a valuation, appraisal, broker opinion, or fairness opinion. A qualified valuation or transaction professional must test the financial evidence, market data, transaction perimeter, and deal terms.Bridge value to possible owner proceeds

The short answer

Business value usually starts with earnings—but it does not end there.

A common starting framework is normalized earnings multiplied by a market-supported multiple. That produces an indicated enterprise value. Subtract interest-bearing debt and add any excess cash that transfers to estimate equity value. The actual result depends on financial evidence, market data, buyer terms, and what is included in the transaction.

Normalize before multiplying

An unsupported add-back can overstate value twice: once in earnings and again through the multiple.

Start with reported EBITDA or SDE, then add only expenses that are genuinely nonrecurring, discretionary, owner-specific, and supportable. Subtract recurring costs a buyer will need to incur, including market-rate replacement compensation when it is missing from the earnings measure.

Keep an evidence file for every adjustment. General-ledger detail, invoices, payroll records, contracts, and a concise business explanation are more useful than a spreadsheet label. A buyer's quality-of-earnings work may reject adjustments that cannot be tied to evidence.

EBITDA versus SDE

Use an earnings measure that matches the size and operating model.

EBITDA is earnings before interest, taxes, depreciation, and amortization. Buyers often use normalized EBITDA when the company is expected to support professional management independently of one owner.

Seller's discretionary earnings, or SDE, typically adds one owner's compensation and selected benefits to operating earnings. It is more common for smaller owner-operated companies. Applying an EBITDA multiple to SDE—or the reverse—can materially distort the range.

What changes the multiple

A multiple is a conclusion about risk, durability, and future cash flow.

  1. Revenue quality and concentration.Repeatability, contracts, retention, and dependence on a few customers.
  2. Owner dependence.Whether relationships, sales, expertise, and decisions can transfer beyond the owner.
  3. Management and systems.The company's ability to operate, report, and grow without heroic intervention.
  4. Growth, margins, and capital needs.Historical evidence, credible forecasts, cyclicality, working capital, and required reinvestment.
  5. Market and deal facts.Industry transactions, buyer competition, strategic fit, structure, financing, and risk allocation.

Three different numbers

Enterprise value, equity value, and net proceeds are not interchangeable.

Enterprise value reflects the operating business before considering how it is financed. Equity value generally adjusts enterprise value for debt, cash, and other agreed items. Net proceeds are what may reach the owner after transaction structure, working-capital adjustments, debt, fees, taxes, escrows, indemnities, and contingent value.

Why the sensitivity table matters

A range should show which assumption is doing the work.

The sensitivity table changes normalized earnings by ten percent and applies the lower, midpoint, and upper selected multiples. It does not predict a buyer's offer. It shows how quickly the indicated equity value moves when earnings or the multiple changes—before taxes, fees, escrows, earnouts, rollover equity, or other deal terms.

M
Published byMorrowgate Private Wealth

Educational content for business-owner transition planning. Updated August 14, 2026. How this content is prepared.

Build the complete picture

One number is useful.
A defensible decision is better.

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