Business · Valuation
Calculadora de Valuación de Negocio
Estima cuánto podría valer tu negocio usando múltiples métodos de valuación, incluyendo SDE, EBITDA, múltiplos de ingresos, y flujo de caja descontado. Ingresa tu desempeño financiero, industria, crecimiento, y supuestos de riesgo para calcular un rango potencial de valuación y entender los factores que pueden aumentar o reducir el valor de tu negocio.
⚠️ Educational estimate — not a certified valuation.
No es una tasación certificada, opinión de justicia, ni decisión de préstamo.
1. Business profile
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2. Financial performance
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3. Normalize earnings (add-backs)
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⚠️ Solo add-backs legítimos, documentados, y no recurrentes deben tratarse como adjustments.
4. Business quality & risk
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5. Balance: assets, debt, working capital
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🚪 6. Exit & buyer (optional)
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📐 Valuation by method
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🏆 Value Builder Score
✅ What is driving your valuation?
💪 Strengths
⚠️ Risks
🚀 Simulator: what could increase your value?
Toggle improvements and see live impact on your valuation.
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💰 Estimated net proceeds from a sale
🤝 Could a buyer finance this value?
⚖️ Compare scenarios
Save up to 3 scenarios (current, improved, growth plan).
🎓 Your valuation at a glance
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Cómo funciona esta calculadora Transparent
Aplica 5 métodos de valuación con multiplicadores por industria y ajustes por calidad del negocio.
Supuestos y limitaciones Conservative
Los múltiplos son promedios de la industria. Consulta un tasador certificado (ASA, CVA, CBA) para valuaciones formales.
Fuentes Cited
This calculator is based on widely recognized business valuation practices, including information from:
- American Society of Appraisers (ASA)
- National Association of Certified Valuators and Analysts (NACVA)
- AICPA — Business Valuation Standards
- IRS Revenue Ruling 59-60 (Valuation Factors)
- Business Valuation Resources
- BizBuySell — Insight Reports
- SBA — How to Value Your Small Business
- Value Builder System — 8 drivers framework
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Explore Wells Fargo Resources →What Drives Business Value?
Your business is worth more than its revenue or profit alone. Buyers evaluate the quality, stability, and future potential of your business before determining what they're willing to pay.
The biggest value drivers include:
- Consistent revenue and profit growth
- Strong cash flow and healthy margins
- Recurring or contracted revenue
- Diversified customer base
- Low owner dependence
- Experienced management team
- Documented systems and processes
- Accurate financial records
- Strong industry outlook
Use this calculator to see how your financial performance and business characteristics influence your estimated valuation—and identify opportunities to increase your company's value before a sale.
Frequently asked questions
1. What is a business valuation?
A business valuation is an estimate of what a business is worth based on factors such as its financial performance, cash flow, assets, liabilities, growth potential, industry conditions, and market demand. Business valuations are commonly used when buying or selling a business, seeking financing, planning for succession, or making strategic decisions.
2. How does this business valuation calculator work?
This calculator estimates your business's potential value using multiple valuation methods, including Seller's Discretionary Earnings (SDE), EBITDA multiples, revenue multiples, discounted cash flow (DCF), and asset-based valuation when appropriate. It compares these methods to provide an estimated valuation range rather than relying on a single formula.
3. What is Seller's Discretionary Earnings (SDE)?
Seller's Discretionary Earnings (SDE) represents the total financial benefit available to a working owner. It generally includes net profit plus the owner's compensation, interest, taxes, depreciation, amortization, and eligible one-time adjustments. SDE is one of the most commonly used valuation methods for owner-operated small businesses.
4. What is EBITDA?
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It measures a company's operating profitability before financing and accounting adjustments. EBITDA multiples are commonly used to value larger businesses with professional management teams.
5. What is a valuation multiple?
A valuation multiple is a factor applied to a financial metric such as SDE, EBITDA, or revenue to estimate business value. Multiples vary by industry, business size, profitability, growth rate, customer concentration, risk, and market conditions.
6. Why does the calculator provide a valuation range instead of one exact number?
Businesses rarely have a single market value. Actual value depends on negotiations, buyer demand, financing availability, due diligence, market conditions, and the structure of the transaction. A valuation range provides a more realistic estimate of what a buyer may be willing to pay.
7. Which valuation method is the most accurate?
There is no single best method for every business. Small owner-operated businesses are often valued using SDE multiples, while larger companies frequently use EBITDA multiples. Revenue multiples, discounted cash flow analysis, and asset-based valuation may also be appropriate depending on the business and industry. Professional appraisers often consider multiple methods before reaching a conclusion.
8. What information do I need to use this calculator?
For the most accurate estimate, you should provide information such as: annual revenue, net profit, SDE or EBITDA, industry, years in business, growth rate, outstanding debt, business assets, cash flow, and other financial assumptions used by the calculator. Providing more complete information generally improves the quality of the estimate.
9. Does the industry affect my business valuation?
Yes. Different industries have different valuation ranges based on profitability, growth potential, risk, recurring revenue, and buyer demand. For example, software companies often receive higher valuation multiples than many traditional service businesses because of scalability and recurring revenue.
10. Are the results from this calculator a certified business appraisal?
No. This calculator provides an educational estimate based on the information you enter. It is not a certified business appraisal, fairness opinion, or legal valuation. If you are buying, selling, financing, litigating, or planning your estate, you should obtain a valuation from a qualified business appraiser or financial professional.
11. What factors increase the value of a business?
Several factors can positively influence a business's value, including: consistent revenue and profit growth, strong cash flow, recurring or contracted revenue, diversified customer base, low owner dependence, experienced management team, well-documented operating procedures, strong brand reputation, healthy profit margins, and reliable financial records. Businesses with these characteristics often command higher valuation multiples.
12. What factors can reduce a business's value?
Common factors that may lower a business's valuation include: declining sales or profits, heavy dependence on the owner, customer concentration, inconsistent financial performance, outdated equipment or technology, significant debt, poor financial records, pending legal or regulatory issues, and high employee turnover. Reducing these risks can improve a business's attractiveness to buyers.
13. What is a discounted cash flow (DCF) valuation?
The Discounted Cash Flow (DCF) method estimates a business's value by projecting its future cash flows and discounting them back to today's dollars. It is commonly used for businesses with predictable cash flow and long-term growth potential.
14. What is an asset-based valuation?
An asset-based valuation estimates a business's value by calculating the fair market value of its assets minus its liabilities. This method is often used for asset-intensive businesses, holding companies, or businesses with limited earnings.
15. Why are SDE and EBITDA different?
SDE and EBITDA measure different types of earnings. SDE is generally used for owner-operated small businesses and includes the owner's compensation and certain discretionary expenses. EBITDA is commonly used for larger businesses with professional management because it excludes owner compensation and focuses on operating profitability. The appropriate method depends on the size and structure of the business.
16. How important are financial statements in determining business value?
Financial statements are one of the most important components of a business valuation. Buyers, lenders, and appraisers typically review income statements, balance sheets, cash flow statements, tax returns, and supporting documentation to verify earnings and assess the business's financial health.
17. Does business debt affect the value of my business?
Yes. Debt generally reduces the owner's equity value because buyers often consider outstanding liabilities when determining what they are willing to pay. While enterprise value reflects the value of the business operations, equity value is typically calculated after adjusting for debt and excess cash.
18. How do recurring revenue and customer contracts affect valuation?
Businesses with recurring revenue, long-term customer contracts, subscriptions, or predictable cash flow often receive higher valuation multiples because they provide greater stability and reduce buyer risk.
19. Does owner involvement affect business value?
Yes. Businesses that rely heavily on the owner's relationships, expertise, or day-to-day management may receive lower valuation multiples because they can be more difficult to transition to a new owner. Companies with documented systems and a capable management team are often viewed as less risky.
20. Can I use this calculator if I'm thinking about buying a business?
Yes. This calculator can help buyers estimate whether a seller's asking price appears reasonable based on the company's financial performance, industry, cash flow, and valuation assumptions. It can also help compare different acquisition opportunities before beginning due diligence.
21. How can I increase the value of my business before selling?
Business owners can often improve valuation by: increasing recurring revenue, improving profit margins, reducing owner dependence, diversifying the customer base, documenting business processes, building a strong management team, paying down unnecessary debt, maintaining accurate financial records, and investing in technology and operational efficiency. Even modest improvements in earnings or valuation multiples can significantly increase a business's value.
22. How often should I value my business?
Many business owners update their valuation annually as part of strategic planning. More frequent valuations may be appropriate before seeking financing, bringing on investors, planning for succession, negotiating a sale, or making major business decisions.
23. Can a business with little or no profit still have value?
Yes. A business may still have value based on its assets, intellectual property, customer relationships, recurring revenue, strategic market position, brand recognition, or future growth potential. The appropriate valuation method depends on the nature of the business.
24. Does the value of my business equal the amount I will receive when I sell it?
Not necessarily. The final proceeds from a sale depend on factors such as outstanding debt, transaction costs, taxes, working capital adjustments, earn-outs, seller financing, and the negotiated purchase agreement. The estimated business value is only one component of your potential net proceeds.
25. What is the difference between enterprise value and equity value?
Enterprise value represents the value of the entire business before considering cash, debt, and certain financial obligations. Equity value represents the estimated value attributable to the owners after adjusting for debt, excess cash, and other balance sheet items. Buyers and investors often evaluate both measures during a transaction.
26. Will a professional business appraisal differ from this calculator's estimate?
Yes. A certified business appraiser performs a comprehensive analysis that may include financial statement reviews, interviews, market research, industry analysis, economic conditions, risk assessments, and professional judgment. This calculator provides a preliminary estimate designed for educational and planning purposes.
27. Can I use this calculator to negotiate the sale of my business?
This calculator can help you understand a reasonable valuation range and identify the factors influencing your business's value. However, negotiations involve many additional considerations, including buyer demand, financing, due diligence findings, transaction structure, and market conditions. It should not be used as the sole basis for determining an asking or purchase price.
28. Does a higher valuation always mean my business will sell for more?
Not always. A buyer's willingness to pay depends on factors such as financing availability, industry demand, competitive interest, perceived risk, deal terms, and future growth opportunities. Market conditions at the time of the sale can also significantly influence the final purchase price.
29. Does using this calculator affect my credit or create a business appraisal record?
No. This calculator is a private educational tool. It does not perform a credit inquiry, report information to lenders or government agencies, or create an official business appraisal. Using it has no impact on your personal or business credit.
30. What should I do after estimating my business's value?
Use your valuation estimate as a starting point for strategic planning. If you're preparing to sell, seek financing, attract investors, or develop a succession plan, consider working with a qualified CPA, business broker, attorney, or accredited business appraiser. They can help validate your valuation, identify value-enhancement opportunities, and guide you through the transaction process.