Sunday, May 9, 2010

After-Tax Cash Flow

(e.g.)
After-Tax Cash Flow
YearOperating incomeTax Payable
1$400,000$40,000
2$420,000$42,000
3$441,000$44,000
4$463,000$46,000
5$486,000$49,000
After-tax equity reversion$2,000,000
loan-to-value ratio = 75%
equity contribution = $1,000,000
cost for loan = 8%
loan amortization period (annual payments) = 20 (years)

Based upon the information presented in the exhibit above, the after-tax cash flow for year 2 is:

total value = $1,000,000 / (1-75%) = $4,000,000

debt = total value - equity contribution = $4,000,000 - $1,000,000 = $3,000,000

-3,000,000 PV
8 I/Y
20 N
0 FV
CPT PMT 305,556


After-Tax Cash Flow
Year 2
Net Operating income$420,000
Less:Annual debt service($305,556)
Before-tax cash flow$114,444
Less:Tax payable($42,000)
After-tax cash flow$72,444

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