VALUATUM SYSTEM INTERACTING WITH THE CUSTOMER OR DATA
LEGEND...
3A. The common way is that after customer contact, lender's analyst enters Valuatum system to do data input, generation of future estimates and analysis.
3A. The common way is that after...
3B. Optionally, it is possible to direct loan applicant straight from lender's website to Valuatum's system to input data and automatically generate or manually input future estimates.
3B. Optionally, it is possible to...
4-5. Company data is either fetched directly from an outside data provider or inputted into the system manually.
4-5. Company data is either fetched direc...
5A. Nearly any outside data provider can be integrated to Valuatum system as long as the data is available via an API.Â
5A. Nearly any outside da...
5B. If outside data provider is not user, or if data for a specific company is not available, financial data can also by inputted manually using a simple data entry form.
5B. If outside data provider...
6. Future estimates can be generated automatically. If needed, they can be adjusted manually.
6. Future estimates can be generated...
7B. Estimates can be easily adjusted by manually inputting numbers or simply dragging from a graph.
7B. Estimates can be easily...
Automatically generated estimates:
Automatic estimates are calculated based on historical data. Their main purpose is to provide a good starting point for manual inputs and adjustments. The main components in estimate generation are net sales growth -% and ebit-%: Net sales is smoothed over time so that at the end of the estimate period it reached a terminal level of 3 %. EBIT-% is estimated based on the assumption that ROA-% approaches the average cost of capital in the long run.Â