FIN370 Finance for Business

 

FIN370 Finance for Business

University of Phoenix

FIN370 Final – 30 questions 29 correct (Score: 96.67%)

Buying and selling in more than one market to make a riskless profit is called: 

o   globalization

o   profit maximization.

o   arbitrage.

o   international trading

2  Capital Structure Theory in general assumes that:

o   A firm’s cash flows will grow indefinitely at a constant rate.

o   A firm’s cost of capital rises as a firm uses more financial leverage.

o   A firm’s value is determined by discounting the firm’s expected cash flows by the WACC.

o   A firm’s value is determined by capitalizing (discounting) the firm’s expected net income by the firm’s cost of equity.

3. Which of the following best describes why cash flows are utilized rather than accounting profits when evaluating capital projects?

o   Cash flows have a greater present value than accounting profits.

o   Cash flows are more stable than accounting profits.

o   Cash flows reflect the timing of benefits and costs more accurately than accounting profits.

o   Cash flows improve the tax position of a firm more than accounting profits.

4.  A company collects 60% of its sales during the month of the sale, 30% one month after the sale, and 10% two months after the sale. The company expects sales of $10,000 in August, $20,000 in September, $30,000 in October, and $40,000 in November. How much money is expected to be collected in October?

o   $25,000

o   $15,000

o   $35,000

o   $45,000

5 Given an accounts receivable turnover of 8 and annual credit sales of $362,000, the average collection period (360-day year) is 

o   60 days.

o   75 days

o   90 days.

o   45 days

6 Long-term financial plans typically encompass:

o   the entire lifecycle of the corporation.

o   about 5 years.

o   6 to 12 months.

o   to 10 years.

7 Which of the following is most likely to occur if a firm over-invests in net working capital? 

o   The quick ratio will be lower than it should be.

o   The times interest earned ratio will be lower than it should be.

o   The current ratio will be lower than it should be.

o   The return on investment will be lower than it should

8  When the impact of taxes is considered, as the firm takes on more debt

o   there will be no change in total cash flows.

o   both taxes and total cash flow to stockholders and bondholders will decrease.

o   the weighted average cost of capital will increase.

o   cash flows will increase because taxes will decrease

9  We compute the profitability index of a capital-budgeting proposal by Initial outlay = $1,748.80

o   dividing the present value of the annual after-tax cash flows by the cost of capital.

o   dividing the present value of the annual after-tax cash flows by the cost of the project.  

o   multiplying the cash inflow by the IRR.  

o   multiplying the IRR by the cost of capital.

10  Which of the following financial ratios is the best measure of the operating effectiveness of a firm’s management?

o   Current ratio

o   Gross profit margin

o   Quick ratio

o   Return on investment

11  Apple Two Enterprises expects to generate sales of $5,950,000 for fiscal 2014; sales were $3,450,000 in fiscal 2013. Assume the following figures for the fiscal year ending 2013: cash $70,000; accounts receivable $250,000; inventory $400,000; net fixed assets $520,000; accounts payable $235,000; and accruals $155,000. Use the percent-of-sales method to forecast cash for the fiscal year ending 2014.

o   $216,418

o   $319,604

o   $75,003

o   $120,725

12  Which of the following statements best represents what finance is about? 

o   Maximizing profits

o   Reducing risk  

o   How political, social, and economic forces affect corporations

o   Creation and maintenance of economic wealth

13  Aspects of demand risk controllable by the firm include:

o   interest rates.

o   entry of external competitors.

o   status of the regional and national economy.

o   product quality

14  If you have $20,000 in an account earning 8% annually, what constant amount could you withdraw each year and have nothing remaining at the end of five years? 

o   $3,525.62

o   $5,008.76

o   $3,408.88

o   $2,465.78

15  When calculating the weighted average cost of capital, which of the following has to be adjusted for taxes?

o   Common stock

o   Retained earnings

o   Preferred stock

o   Debt

16  Which of the following is not part of the underwriting process?

o   the Federal Reserve

o   the Securities and Exchange Commission

o   the prospectus

o   the syndicate

17  Which of the following best describes why cash flows are utilized rather than accounting profits when evaluating capital projects? 

o   Cash flows are more stable than accounting profits.

o   Cash flows have a greater present value than accounting profits.

o   Cash flows improve the tax position of a firm more than accounting profits.

o   Cash flows reflect the timing of benefits and costs more accurately than accounting profits.

18   Metals Corp. has $2,575,000 of debt, $550,000 of preferred stock, and $18,125,000 of common equity. Metals Corp.’s after-tax cost of debt is 5.25%, preferred stock has a cost of 6.35%, and newly issued common stock has a cost of 14.05%. What is Metals Corp.’s weighted average cost of capital? 

o   6.56%

o   8.32%

o   10.84%

o   12.78%

19  Which of the following could offset the higher risk exposure a company would face if it’s current ratio and net working capital were relatively low?

o   Its current assets would need to be highly liquid.

o   Its accounts receivable collection policy could increase the average collection period.

o   It could offer no discounts for early payment by its customers.

o   It could buy back some of its shares in the open market in order to reduce its equity.

20  The Securities Investor Protection Corporation protects individuals from 

o   brokerage firm failures

o   fraud by corporations

o   making poor investment decisions

o   other investors who fail to make delivery

21   If managers are making decisions to maximize shareholder wealth, then they are primarily concerned with making decisions that should:

o   increase the market value of the firm’s common stock.

o   either increase or have no effect on the value of the firm’s common stock.

o   maximize sales revenues

o   positively affect profits.

22  The Oviedo Thespians are planning to present performances of their Florida Revue on 2 consecutive nights in January. It will cost them $5,000 per night for theater rental, event insurance and professional musicians. The theater will also take 10% of gross ticket sales. How many tickets must they sell at $10.00 per ticket to raise $1,000 for their organization?

o   1,314 tickets

o   1,223 tickets

o   1000 tickets

o   1,112 tickets

23  Which of the following is true about bonds?

o   At maturity of the bond, the investor receives the market price of the bond.

o   They are obligations from the investor to the corporation.

o   Their interest rate always varies with the Consumer Price Index

o   They have a fixed maturity, and they pay an amount equal to the maturity value times the coupon rate each year.

24   Which of the following goals is in the best long-term interest of stockholders? 

o   Maximizing of the market value of the existing shareholders’ common stock

o   Risk minimization

o   Maximizing sales revenues

o   Profit maximization

25  Project Sigma requires an investment of $1 million and has a NPV of $10. Project Delta requires an investment of $500,000 and has a NPV of $150,000. The projects involve unrelated new product lines. What is your evaluation of these two projects?

o   The company should look at other investment criteria, not just NPV.

o   Both projects should be accepted because they have positive NPV’s

o   Neither project should be accepted because they might compete with one another

o   Only project Delta should be accepted. Alpha’s NPV is too low for the investment.

26  Compute the payback period for a project with the following cash flows, if the company’s discount rate is 12%.

​Initial outlay = $450

Cash flows:         Year 1 = $325

Year 2 = $65

Year 3 = $100​​​

·         3.17 years

·         3.43 years

·         2.6 years

·         2.88 years

27  You just purchased a parcel of land for $10,000. If you expect a 12% annual rate of return on your investment, how much will you sell the land for in 10 years?

o   $31,060

o   $25,000

o   $39,720

o   $38,720

28 Which of the following is true regarding Investment Banks?

o   Under the Glass-Steagal act, commercial banks were allowed to operate as Investment banks.

o   When Glass-Steagal was repealed in 1999, commercial banks and Investment banks had to be separate entities.

o   As a result of the financial crisis of 2008, all stand-alone Investment banks either failed, were merged into commercial banks, or became commercial banks.

o   As of 2010, stand alone Investment banks are numerous.

29  Accounting break-even analysis solves for the level of sales that will result in:

net income = $0.00.

NPV = $0.00.

Free cash flow = $0.00.

IRR = Cost of Capital.

30. Delta Inc. is considering the purchase of a new machine which is expected to increase sales by $10,000 in addition to increasing non-depreciation expenses by $3,000 annually. Due to the sales increase, Delta expects its working capital to increase $1,000 during the life of the project. Delta will depreciate the machine using the straight-line method over the project’s five year life to a salvage value of zero. The machine’s purchase price is $20,000. The firm has a marginal tax rate of 34 percent, and its required rate of return is 12 percent. The machine’s initial cash outflow is:

$23,000.

$27,000.

$20,000.

$21,000.

 

FIN370 Myfinancelab Week-4  (Score: 100%)

Question-1
Templeton Extended Care Facilities Inc is considering the acquisition of a chain of cemeteries for $400 million. since the primary asset of this business is real estate, Templeton's management has determined that they will be able to borrow the majority of the money needed to buy the business. The current owners have no debt financing but Templeton plans to borrow $300 million and invest only $100 million in equity in the acquisition. What weights should Templeton use in computing the WACC for this acquisition? Round to one decimal place.
The appropriate weight of debt Wd is
The appropriate weight of common equity Wcs is

Question-2
2). Compute the cost of capital for the firm for the following:
a). A bond that has a $1,000 par value (face value) and a contract or coupon interest rate of 11.9%. Interest payments are $59.50 and are paid semiannually. The bonds have a current market value of $1,129 and will mature in 10 years. The form's marginal tax rate is 34% .
aa). The after-tax cost of debt is _% (round to two decimals places)
b). A new common stock issue that paid a $1.82 dividend last year. The firm's dividends are expected to continue to grow at 7.2% per year forever. The price of the firm's common stock is now $27.97.
bb). The cost of common equity is _% (round to two decimal places)
c). A preferred stock that sells for $136 pays a dividend of 9.1 percent and has a $100 par value.
cc). The cost of the preferred stock is _% (round to two decimal places)
d). A bond selling to yield 11.1% where the form's tax rate is 34%.
dd). After tax cost of debt is _% (round to two decimal places)

Question-3
(Cost of Preferred Stock) The preferred stock of Gator Industries sells for $35.49 and pays $2.75 per year in dividends. What is the cost of preferred stock financing? If Gator were to issue 550,000 more preferred shares just like the ones it currently has outstanding, it could sell them for $35.49 a share but would incur flotation costs of $3.12 per share. what are the flotation costs for issuing the preferred shares and how should this cost be incorporated into the NPV of the project being financed?

Question-4
(Cost of Debt) The Walgren Corporation is contemplating a new investment to be finance using one-third from debt. The firm could sell new $1,000 par value bonds with a 15-year maturity at a price of $949 that carry a coupon interest rate is 12.7 % that is paid semiannually, and the bonds would mature in fifteen years. If the company is in a 34% tax bracket, what is the after-tax cost of capital to Walgren for bonds?

Question-5
(Cost of Debt) Gillian Stationery Corporation needs to raise $600,000 to improve its manufacturing plant. It has decided to issue a $1,000 par value bond with a coupon rate of 8% with interest paid semiannually and a 10-year maturity. If the investors require a 10% rate of return:
a. Compute the market value of the bonds.
b. How many bonds will the firm have to issue to receive the needed funds?
c. What is the firm’s after-tax cost of debt if the firm’s tax rate is 34 percent?

Question-6
(Weighted average cost of capital) As a consultant to GBH Skiwear, you have been asked to compute the appropriate discount rate to use in the evaluation of the purchase of a new warehouse facility. You have determined the market value of the firm’s current capital structure (which the firm considers to be its target mix of financing sources) as follows:
Source of Capital Market Value
Bonds $500,000
Preferred stock $110,000
Common stock $420,000
To finance the purchase, GBH will sell 20-year bonds with a $1,000 par value paying 7.7% per year at the market price of $954. Preferred stock paying a $2.45 dividend can be sold for $34.32. Common stock for GBH is currently selling for $50.04 per share. The firm paid a $3.94 dividend last year and expects dividends to continue growing at a rate of 34.1% per year into the indefinite future. The firm’s marginal tax rate is 34%. What discount rate should you use to evaluate the warehouse project?

Question-7
Lowe’s Companies, Inc. (LOW) and its subsidiaries operate as a home improvement retailer in the United States and Canada. As of February 1, 2008, it operated 1,534 stores in 50 states and Canada. The company’s balance sheet for February 1, 2008, included the following sources of financing:
In Thousands of Dollars Financial Structure
Liabilities
Current liabilities
Accounts payable ……………………….. $ 4,137,000
Short-term/current debt …………………. 1,104,000
Other current liabilities …………………. 2,510,000
Total current liabilities …………………. $ 7,751,000
Long-term debt ………………………… 5,576,000
Other long-term liabilities ……………… 670,000
Long-term liabilities ……………………. $ 6,246,000
Stockholder equity …………………….. $16,098,000
Total …………………………………… $30,095,000
a. Calculate the values of Lowe’s debt ratio and interest-bearing debt ratio.
b. If the market value of Lowe’s common equity is $35.86 billion and Lowe’s has no excess cash, what is the firm’s debt-to-enterprise-value ratio?

Question-8
(Computing interest tax savings) Dharma Supply has earnings before interest and taxes (EBIT) of $527,000, interest expenses of $307,000 and faces a corporate tax rate of 36 percent.
a. What is Dharma Supply's Net Income?
b. what would dharmas net income be if it didnt have any debt?
c. what are the firms interest tax savings?

Question-9
You have developed the following pro forma income statement for your corporation. It represents the most recent years operations, which ended yesterday. Your supervisor in the controllers office has just handed you a memorandum asking for written responses to the following questions:
a. If Sales Should increase by 30%, by what percent would earnings before interest and taxes and net income increase?
b. If sales should decrease by 30% by what percent would earnings before interest and taxes and net income decrease?
c. If the firm were to reduce its reliance on debt financing such that interest expense were cut in half, how would this affect your answers to parts A and B?

Question-10
(Capital Asset Pricing Model) CSB, Inc has a beta of 0.765. If the expected market return is 10.5 percent and the risk free rate is 3.5 percent, what is the appropriate expected return of CSB(using the CAPM)?

Question-11
(Capital Asset Pricing Model) The expected return for the general market is 11.0 percent, and the risk premium in the market is 6.3%. Tasaco, LBM, and Exxos have betas of 0.849, 0.621 and 0.578, respectively. What are the corresponding required rates of return for the three securities?

Question-12
James Fromholtz is considering whether to invest in a newly formed investment fund. The fund’s investment objective is to acquire home mortgage securities at what it hopes will be bargain prices. The fund sponsor has suggested to James that the fund’s performance will hinge on how the national economy performs in the coming year. Specifically, he suggested the following possible outcomes:
a. Based on these potential outcomes, what is your estimate of the expected rate of return from this investment opportunity?
b. Would you be interested in making such an investment? Note that you lose all your money in one year if the economy collapses into the worst state or you double your money if the economy enters into a rapid expansion.
c. Would you be interested in making such an investment?

NOTE: IF YOUR DATA IS DIFFERENT, CHANGE DATA IN EXCEL. ANSWER WILL BE AUTOMATICALLY UPDATED. IF YOU FACE ANY PROBLEM, EMAIL ME AT thinksweet@gmail.com


FIN370 MyFinanceLab Week-3

1.) (Net present value calculation) Big Steve’s makers of swizzle sticks, is considering the purchase of a new plastic stamping machine. This investment requires an initial outlay of $95, 000 and will generate net cash inflows of $17,000 per year for 8 years.

a. What is the project’s NPV using a discount rate of 9 percent? Should the project be accepted? Why or Why not?
b. What is the project’s NPV using a discount rate of 17 percent? Should the project be accepted? Why or Why not?
c. What is this project’s internal rate of return? Should the project be accepted? Why or Why not?

2.) (IRR calculation) What is the internal rate of return for the following project: An initial outlay of $9,500 resulting in a single cash inflow of $29,942 in 11 years?

3.) (NPV and IRR calculation) East Coast Television is considering a project with an initial outlay of $X (you will have to determine this amount). It is expected that the project will produce a positive cash flow of $44,000 a year at the end of each year for the next 13 years. The appropriate discount rate for this project is 7 percent. If the project has an internal rate of return of 9 percent, what is the project’s net present value?

4.) (IRR and NPV calculation) The cash flows for three independent projects are found below.
PROJECT A PROJECT B PROJECT C

YEAR 0 (INITIAL INVESTMENT) $(60,000) $(105,000) $(420,000)
Year 1 $11,000 $29,000 $220,000
YEAR 2 17,000 $29,000 $220,000
YEAR 3 21,000 29,000 $220,000
YEAR 4 28,000 29,000 ________
Year 5 32,000 29,000 _________

a. Calculate the IRR for each of the projects
b. If the discount rate for all three projects is 15 percent, which projects or projects would you want to undertake?
c. What is the net present value of each of the projects where the appropriate rate is 15 percent?

5. (IRR of an uneven cash flow stream) Microwave Oven Programming, Inc. is considering the construction of a new plant. The plant will have an initial cash outlay of $6.4 million (=-$6.4 million), and will produce a cash flow of $2.7 million at the end of year 1, $4.2 million at the end of year 2, and $1.8 million at the end of years 3 through 5. What is the internal rate of return on this new plant?

6. (NPV, PI, and IRR calculations) Fijisawa, Inc. is considering a major expansion of its product line and has estimated the following cash flows associated with such an expansion. The initial outlay would be $1,850,000 and the project would generate cash flows of$520,000 per years. The appropriate discount rate is 16.1 percent.
a. Calculate the net present value.
b. Calculate the profitability index
c. Calculate the internal rate of return.
d. Should this project be accepted? Why or why not?

7. (Payback period, net present value, profitability index, and internal rate or return calculations) You are considering a project with an initial cash outlay of $81,000 and expected cash flows of $25,110 at the end of each year for six years. The discount rate for this project is 10.3 percent.
a. What are the project’s payback and discounted payback periods?
b. What is the project’s NPV?
c. What is the project’s PI?
d. What is the project’s IRR?

8. (Calculating operation cash flows) Assume that a new project will annually generate revenues of $1,800,000 and cash expenses (including both fixed and variable costs) of $700,000, while increasing depreciation by $190,000 per year. In addition, the firm’s tax rate is 29 percent. Calculate the operating cash flows for the new project.

9. (Calculating project cash flows and NPV) You are considering expanding your product line that currently consists of skateboards to include gas powered skateboards, and you feel expanding your product line that currently consists of skateboards to include gas powered skateboards, and you feel you can sell 11,000 of these per year for 10 years (after which time this project is expected to shut down with solar-powered skateboards taking over). The gas skateboards would sell for $90 each with variable of costs of $50 for each one produced, and annual fixed costs associated with production would be $190,000…….
a. What is the initial cash outlay associated with this project?
b. What are the annual net cash flows associated with this project for years 1 through 9?
c. What is the terminal cash flow in year 10 (that is, what is the free cash flow in year 10 plus any additional cash flows associated with termination of the project)?
d. What is the project’s NPV given a required rate of return of 7 percent?

10. (Inflation and project cash flows) Carlyle Chemicals is evaluating a new chemical compound used in the manufacture of a wide range of consumer products. The firm is concerned that inflation in the cost of raw materials will have an adverse effect on the project’s flows. Specifically, the firm expects the cost per unit (which is currently $0.87) will rise at a rate of 11 percent annually over the next three years. The per-unit selling price is currently $1.01 and this price is expected to rise at a merger 1 percent annual rate over the next three years. If Carlyle expects to sell 6, 7.5, and 10 million units for the next three years, respectively, what is your estimate of the gross profits to the firm? Based on these estimates, what recommendation would you offer to the firm’s management with regard to this product? (Note: Be sure to round each unit price and unit cost per year to the nearest cent.)

11. (Calculating the expected NPV of a project) Management at the Doctors Bone and Joint Clinic is considering whether to purchase a newly developed MRI machine which they feel will provide the basis for better diagnoses of foot and knee problems. The new machine is quite expensive and will be used for a number of years. The clinic’s CFO asked an analyst to work up estimates of the NPV of the investment under three different assumptions about the level of demand for its use (high, medium, and low). The CFO assigned a 50 percent probability to the medium-demand state, a 30 percent probability to the high state, and the remaining 20 percent to the low state. After making forecasts of the demand for the machine based on the CFO’s judgment and past utilization rates for MRI scans, the following NPV estimates were made:
Demand State Probability of State NPV Estimate
Low 20% $(300,000)
Medium 50% $200,000
High 30% $400,000

a. What is the expected NPV for the MRI machine based on the above estimates? How would you interpret the meaning of the expected NPV? Does this look like a good investment to you?
b. Assuming that the probability of the medium-demand state remains 50 percent, calculate the maximum probability you can assign to the low-demand state and still have an expected NPV of 0 or higher.

12. (Scenario analysis) Family Security is considering introducing tiny GPS trackers that can be inserted in the sole of a child’s shoe which would then allow for the tracking of that child if he or she was ever lost or abducted. The estimates, that might be off by 10 percent (either above or below), associated with this new product are shown here:
Data Table
Unit price: $125
Variable costs: $75
Fixed costs: $250,000 per year

Expected sales: 10,000 pr year

 Since this is a new product line, you are not confident in your estimates and would like to know how well you will fare if your estimates on the items listed above are 10 percent lower than expected. Assume that this new product line will require an initial outlay of $1.00 million, with no working capital investment, and will last for 10 years, being depreciated down to zero using straight-line depreciation. In addition, the firm’s required rate to return or cost of capital is 10.0 percent, and the firm’s marginal tax rate is 34 percent. Calculate the project’s NPV under the “best-case scenario” Calculate the project’s NPV under the “worst-case scenario.”

13. (Real options and capital budgeting) You are considering introducing a new Tex-Mex-Thai fusion restaurant. Upon closer examination, you find that there is a 50 percent chance that this new restaurant will be well received and will produce annual cash flows of $805, 000 per year forever (a perpetuity), while there is a 50 percent chance of it producing a cash flow of only $191,000 per year forever, (a perpetuity) if it isn’t well.
What is the expected NPV for this project if only one restaurant is built but isn’t well received? What is expected NPV for this project assuming 15 more are built if the first restaurant is well received?

14. (Identifying spontaneous, temporary, and permanent sources of financing) Classify each of the following sources of new financing as a spontaneous, temporary, or permanent:

a. A manufacturing firm enters into a loan agreement with its bank that calls for annual principal and interest’s payments spread over the next four years.
b. A retail firm orders new items of inventory that are charged to the firm’s trade credit.
c. A trucking firm issues common stock to the public and used the proceeds to upgrade its tractor fleet.

15. (Evaluating trade credit discounts) IF a firm buys on trade credit terms of 5/10, net 50 and decides to forgo the trade credit discount and pay on the net day, what is the annualized costs of forgoing the discount (assume a 360-day year)?

SOLVED IN EXCEL

FIN370 PUBLIC OFFERING FOR A GLOBAL FIRM

Write a 750 to 900 word paper describing an initial public offering for a global firm.
Include the following:
• The role of the investment banker and underwriter
• The role of an originating house and a syndicate
• An explanation of the pricing of the issue
• A discussion of some of the risks involved in the public offering and how the securities laws deal with them
• A discussion of any foreign exchange risks the company can face with your ideas about how to mitigate them

 

FIN370 Financial Excel Problems

Question-1

Templeton Extended Care Facilities Inc is considering the acquisition of a chain of cemeteries for $400 million. since the primary asset of this business is real estate, Templeton's management has determined that they will be able to borrow the majority of the money needed to buy the business. The current owners have no debt financing but Templeton plans to borrow $300 million and invest only $100 million in equity in the acquisition. What weights should Templeton use in computing the WACC for this acquisition? Round to one decimal place.

The appropriate weight of debt Wd is

The appropriate weight of common equity Wcs is

 

Question-2

2). Compute the cost of capital for the firm for the following:
a). A bond that has a $1,000 par value (face value) and a contract or coupon interest rate of 10.9%. The bonds have a current market value of $1,125 and will mature in 10 years. The form's marginal tax rate is 34% .
aa). Theafter-tax cost of debt is _% (round to two decimals places)
b). A new common stock issue that paid a $1.78 dividend last year. The firm's dividends are expected to continue to grow at 7.6% per year forever. The price of the firm's common stock is now $27.29.
bb). The cost of common equity is _% (round to two decimal places)
c). A preferred stock that sells for $146 pays a dividend of 8.2 percent and has a $100 par value.

cc). The cost of the preferred stock is _% (round to two decimal places)
d). A bond selling to yield 11.8% where the form's tax rate is 34%.
dd). After tax cost of debt is _% (round to two decimal places)

 

Question-3

(Cost of Preferred Stock) The preferred stock of Gator Industries sells for $35.89 and pays $2.76 per year in dividends.  What is the cost of preferred stock financing? If Gator were to issue 521,000 more preferred shares just like the ones it currently has outstanding, it could sell them for $35.89 a share but would incur flotation costs of $2.88 per share. what are the flotation costs for issuing the preferred shares and how should this cost be incorporated into the NPV of the project being financed?

Question-4

(Cost of Debt)  The Walgren Corporation is contemplating a new investment to be finance using one-third from debt.  The firm could sell new $1,000 par value bonds with a 15-year maturity at a price of $947 that carry a coupon interest rate is 12.7 % that is paid semiannually, and the bonds would mature in fifteen years.  If the company is in a 34% tax bracket, what is the after-tax cost of capital to Walgren for bonds?

 

Question-5

(Cost of Debt)  Gillian Stationery Corporation needs to raise $600,000 to improve its manufacturing plant.  It has decided to issue a $1,000 par value bond with a coupon rate of 8% with interest paid semiannually  and a 10-year maturity.  If the investors require a 10% rate of return:

a.         Compute the market value of the bonds.

b.         How many bonds will the firm have to issue to receive the needed funds?

c.         What is the firm’s after-tax cost of debt if the firm’s tax rate is 34 percent?

 

Question-6

(Weighted average cost of capital) As a consultant to GBH Skiwear, you have been asked to compute the appropriate discount rate to use in the evaluation of the purchase of a new warehouse facility. You have determined the market value of the firm’s current capital structure (which the firm considers to be its target mix of financing sources) as follows:

Source of Capital Market Value

Bonds $530,000

Preferred stock $120,000

Common stock $450,000

To finance the purchase, GBH will sell 20-year bonds with a $1,000 par value paying 7.9% per year at the market price of $958. Preferred stock paying a $2.52 dividend can be sold for $35.23. Common stock for GBH is currently selling for $50.04 per share. The firm paid a $4.05 dividend last year and expects dividends to continue growing at a rate of 3.9% per year into the indefinite future. The firm’s marginal tax rate is 34%. What discount rate should you use to evaluate the warehouse project?

Question-7

Lowe’s Companies, Inc. (LOW) and its subsidiaries operate as a home improvement retailer in the United States and Canada. As of February 1, 2008, it operated 1,534 stores in 50 states and Canada. The company’s balance sheet for February 1, 2008, included the following sources of financing:

In Thousands of Dollars Financial Structure

Liabilities

Current liabilities

Accounts payable ……………………….. $ 4,137,000

Short-term/current debt …………………. 1,104,000

Other current liabilities …………………. 2,510,000

Total current liabilities …………………. $ 7,751,000

Long-term debt ………………………… 5,576,000

Other long-term liabilities ……………… 670,000

Long-term liabilities ……………………. $ 6,246,000

Stockholder equity …………………….. $16,098,000

Total …………………………………… $30,095,000

a. Calculate the values of Lowe’s debt ratio and interest-bearing debt ratio.

b. If the market value of Lowe’s common equity is $35.86 billion and Lowe’s has no excess cash, what is the firm’s debt-to-enterprise-value ratio?

 

Question-8

(Computing interest tax savings) Dharma Supply has earnings before interest and taxes (EBIT) of $511,000, interest expenses of $323,000 and faces a corporate tax rate of 34 percent.

a. What is Dharma Supply's Net Income?

b. what would dharmas net income be if it didnt have any debt?

c. what are the firms interest tax savings?

Question-9

You have developed the following pro forma income statement for your corporation.

It represents the most recent years operations, which ended yesterday. Your supervisor in the controllers office has just handed you a memorandum asking for written responses to the following questions:

a. If Sales Should increase by 20%, by what percent would earnings before interest and taxes and net income increase?

b. If sales should decrease by 20% by what percent would earnings before interest and taxes and net income decrease?

c. If the firm were to reduce its reliance on debt financing such that interest expense were cut in half, how would this affect your answers to parts A and B?

 

Question-10

(Capital Asset Pricing Model) CSB, Inc has a beta of 0.765. If the expected market return is 10.5 percent and the risk free rate is 3.5 percent, what is the appropriate expected return of CSB(using the CAPM)?

 

Question-11

(Capital Asset Pricing Model) The expected return for the general market is 10.5 percent, and the risk premium in the market is 7.0%. Tasaco, LBM, and Exxos have betas of 0.828, 0.612 and 0.509, respectively. What are the corresponding required rates of return for the three securities?

 

Question-12

James Fromholtz is considering whether to invest in a newly formed investment fund. The fund’s investment objective is to acquire home mortgage securities at what it hopes will be bargain prices. The fund sponsor has suggested to James that the fund’s performance will hinge on how the national economy performs in the coming year. Specifically, he suggested the following possible outcomes:
a. Based on these potential outcomes, what is your estimate of the expected rate of return from this investment opportunity?
b. Would you be interested in making such an investment? Note that you lose all your money in one year if the economy collapses into the worst state or you double your money if the economy enters into a rapid expansion.

c. Would you be interested in making such an investment?

FIN370 Net Present Value Calculation

1.)    (Net present value calculation) Big Steve’s makers of swizzle sticks, is considering the purchase of a new plastic stamping machine. This investment requires an initial outlay of $105, 000 and will generate net cash inflows of $21,000 per year for 8 years.

 

a.        What is the project’s NPV using a discount rate of 8 percent? Should the project be accepted? Why or Why not?

b.      What is the project’s NPV using a discount rate of 14 percent? Should the project be accepted? Why or Why not?

c.       What is this project’s internal rate of return? Should the project be accepted? Why or Why not?

 

a.       If the discount rate is 8 percent, then the project’s NPV is $_____________(Round to the nearest dollar.)

 

2.)     (IRR calculation) What is the internal rate of return for the following project: An initial outlay of $9,000 resulting in a single cash inflow of $17, 538 in 7 years? 

The internal rate of return for the project is _________% (Round to the nearest whole percent.)

 

3.)    (NPV and IRR calculation) East Coast Television is considering a project with an initial outlay of $X (you will have to determine this amount). It is expected that the project will produce a positive cash flow of $60,000 a year at the end of each year for the next 13 years. The appropriate discount rate for this project is 9 percent. If the project has an internal rate of return of 14 percent, what is the project’s net present value?

 

a.       If the project has internal rate of 12%, then the project’s initial outlay is $___________(Round to the nearest cent.)

 

4.)    (IRR and NPV calculation) The cash flows for three independent projects are found below.

                                                        PROJECT A                                   PROJECT B                          PROJECT C

 

YEAR 0 (INITIAL INVESTMENT)                       $(65,000)                                                           $(110,000)                                                 $(420,000)

Year 1                                            $9,000                                           $27,000                                 $220,000 

YEAR 2                                             16,000                                         $27,000                                $220,000

YEAR 3                                                23,000                                       27,000                                  $220,000

YEAR 4                                                28,000                                       27,000                                 ________

Year 5                                                  32,000                                       27,000                                _________

 

a.        Calculate the IRR for each of the projects

b.      If the discount rate for all three projects is 15 percent, which projects or projects would you want to undertake?

c.       What is the net present value of each of the projects where the appropriate rate is 15 percent?

 

a.       The IRR of Project A is ________% (ROUND TO TWO DECIMALS.)

 

5. (IRR of an uneven cash flow stream) Microwave Oven Programming, Inc. is considering the construction of a new plant. The plant will have an initial cash outlay of $6.5 million (=-$6.5 million), and will produce a cash flow of $2.4 million at the end of year 1, $4.2 million at the end of year 2, and $1.8 million at the end of years 3 through 5. What is the internal rate of return on this new plant?

The IRR of the project is _________% (Round to two decimal places.)

 

6.  (NPV, PI, and IRR calculations) Fijisawa, Inc. is considering a major expansion of its product line and has estimated the following cash flows associated with such an expansion. The initial outlay would be $2,040,000 and the project would generate cash flows of$500,000 per years. The appropriate discount rate is 10.6 percent.

a. Calculate the net present value.

b. Calculate the profitability index

c. Calculate the internal rate of return.

d. Should this project be accepted? Why or why not?

a. The NPV of the expansion is $___________(Round to the nearest dollar.)

 

7. (Payback period, net present value, profitability index, and internal rate or return calculations) You are considering a project with an initial cash outlay of $71,000 and expected cash flows of $19,880 at the end of each year for six years. The discount rate for this project is 9.6 percent.

a.       What are the project’s payback and discounted payback periods?

b.      What is the project’s NPV?

c.       What is the project’s PI?

d.      What is the project’s IRR?

a.       The payback period of the project is ___________years. (Round to two decimal places.)

8.  (Calculating operation cash flows) Assume that a new project will annually generate revenues of $2,200,000 and cash expenses (including both fixed and variable costs) of $1,050,000, while increasing depreciation by $240,000 per year. In addition, the firm’s tax rate is 29 percent. Calculate the operating cash flows for the new project.

The firm’s operating cash flows are $_____________(Round to the nearest dollar.)

 

9.  (Calculating project cash flows and NPV) You are considering expanding your product line that currently consists of skateboards to include gas powered skateboards, and you feel expanding your product line that currently consists of skateboards to include gas powered skateboards, and you feel you can sell 7,000 of these per year for 10 years (after which time this project is expected to shut down with solar-powered skateboards taking over). The gas skateboards would sell for $70 each with variable of costs of $50 for each one produced, and annual fixed costs associated with production would be $190,000. In additions there would be a $1,200,000 initial expenditure associated with the purchase of new production equipment. It is assumed that this initial expenditure will be depreciated using the simplified straight-line method down to zero over 10 years. The project will also require a one-time initial investment of $30,000 in net working capital associated with inventory, and this working capital investment will be recovered when the project is shut down. Finally, assume that the firm’s marginal tax rate is 37 percent.

a. What is the initial cash outlay associated with this project?

b. What are the annual net cash flows associated with this project for years 1 through 9?

c. What is the terminal cash flow in year 10 (that is, what is the free cash flow in year 10 plus any additional cash flows associated with termination of the project)?

d. What is the project’s NPV given a required rate of return of 7 percent?

a. The initial cash outlay associated with this project is $_________________. (Round to the nearest dollar.)

 

10.  (Inflation and project cash flows) Carlyle Chemicals is evaluating a new chemical compound used in the manufacture of a wide range of consumer products. The firm is concerned that inflation in the cost of raw materials will have an adverse effect on the project’s flows. Specifically, the firm expects the cost per unit (which is currently $0.88) will rise at a rate of 13 percent annually over the next three years. The per-unit selling price is currently $.096 and this price is expected to rise at a merger 4 percent annual rate over the next three years. If Carlyle expects to sell 5.5, 7.5, and 9.5 million units for the next three years, respectively, what is your estimate of the gross profits to the firm? Based on these estimates, what recommendation would you offer to the firm’s management with regard to this product? (Note: Be sure to round each unit price and unit cost per year to the nearest cent.)

The gross profit or (loss) for year 1 is $____________. (Round to the nearest dollar.)

 

 

11. (Calculating the expected NPV of a project) Management at the Doctors Bone and Joint Clinic is considering whether to purchase a newly developed MRI machine which they feel will provide the basis for better diagnoses of foot and knee problems. The new machine is quite expensive and will be used for a number of years. The clinic’s CFO asked an analyst to work up estimates of the NPV of the investment under three different assumptions about the level of demand for its use (high, medium, and low). The CFO assigned a 50 percent probability to the medium-demand state, a 30 percent probability to the high state, and the remaining 20 percent to the low state. After making forecasts of the demand for the machine based on the CFO’s judgment and past utilization rates for MRI scans, the following NPV estimates were made:

Demand State                                      Probability of State                                   NPV Estimate

Low                                                                           20%                                              $(300,000)

Medium                                                                    50%                                             $200,000

High                                                                            30%                                             $400,000

 

a.       What is the expected NPV for the MRI machine based on the above estimates? How would you interpret the meaning of the expected NPV? Does this look like a good investment to you?

b.      Assuming that the probability of the medium-demand state remains 50 percent, calculate the maximum probability you can assign to the low-demand state and still have an expected NPV of 0 or higher. (Hint: The sum of the probabilities assigned to all three states must be 100 percent.)

 

a.       The expected NPV for the MRI machine is $___________. (Round to the nearest dollar.)

 

12.  (Scenario analysis) Family Security is considering introducing tiny GPS trackers that can be inserted in the sole of a child’s shoe which would then allow for the tracking of that child if he or she was ever lost or abducted. The estimates, that might be off by 10 percent (either above or below), associated with this new product are shown here:

Data Table

Unit price: $125

Variable costs: $75

Fixed costs: $250,000 per year. Since this is a new product line, you are not confident in your estimates and would like to know how well you will fare if your estimates on the items listed above are 10 percent lower than expected. Assume that this new product line will require an initial outlay of $1.00  million, with no working capital investment, and will last for 10 years, being depreciated down to zero using straight-line depreciation. In addition, the firm’s required rate to return or cost of capital is 10.0 percent, and the firm’s marginal tax rate is 34 percent. Calculate the project’s NPV under the “best-case scenario” (that is, use the high estimates-unit price 10 percent above expected, variable costs 10 percent less than expected, fixed costs 10 percent less than expected, and expected sales 10 percent more than expected). Calculate the project’s NPV under the “worst-case scenario.”

The NPV for the best-case scenario will be $_________________. (Round to the nearest dollar.)

 

13. (Real options and capital budgeting) You are considering introducing a new Tex-Mex-Thai fusion restaurant. The initial outlay on this new restaurant is $6.4 million and the present value of the free cash flows (excluding the initial outlay) is $5.3 million, such that the project has a negative expected NPV of $1.1 million. Upon closer examination, you find that there is a 55 percent chance that this new restaurant will be well received and will produce annual cash flows of $818, 000 per year forever (a perpetuity), while there is a 45 percent chance of it producing a cash flow of only $206,000 per year forever, (a perpetuity) if it isn’t well. The required rate of return you use to discount the project cash flows is 10.3 percent. However, if the new restaurant is successful, you will be able to build 15 more of them and they will have costs and cash flows similar to the successful restaurant’s costs and cash flows.

 

a.       In spite of the fact that the first restaurant has a negative NPV, should you build it anyway? Why or Why not?

b.      What is the expected NPV for this project if only one restaurant is built but isn’t well received? What is expected NPV for this project assuming 15 more are built if the first restaurant is well received? (Ignore the fact that there would be a time delay in building additional new restaurants

a.       In spite of the fact that the first has a negative NPV, should you build it anyway? Why or Why not? (Select the best choice below.

A.       The company should not open the first restaurant, because if the company does not open the first restaurant it will never know whether this type of restaurant will be successful.

B.      The company should open the first restaurant, because the company has nothing to lose should the concept fail.

C.      The company should not open the first restaurant, because companies should never undertake risky investments.

 

 

14. (Identifying spontaneous, temporary, and permanent sources of financing) Classify each of the following sources of new financing as a spontaneous, temporary, or permanent:

 

a.       A manufacturing firm enters into a loan agreement with its bank that calls for annual principal and interest’s payments spread over the next four years.

b.      A retail firm orders new items of inventory that are charged to the firm’s trade credit.

c.       A trucking firm issues common stock to the public and used the proceeds to upgrade its tractor fleet.

 

a.       A manufacturing firm enters into a loan agreement with its bank that calls for annual principal and interest’s payments spread over the next four years.

This source of financing can be classified as a  (Spontaneous Financing, Temporary Financing, or Permanent financing) .

 

15.  (Evaluating trade credit discounts) IF a firm buys on trade credit terms of 5/15, net 30 and decides to forgo the trade credit discount and pay on the net day, what is the annualized costs of forgoing the discount (assume a 360-day year)?

The annualized costs of the trade credit terms of 5/15, net 30 is __________% (Round to two decimal places.)

 

FIN370 MyFinanceLab Week-2 – Future Value (100% Correct)

1.       (Future value) Leslie Mosallam, who recently sold her Porsche, placed $ 10,000 in a savings account paying annual compound interest of 6 percent.

       a. Calculate the amount of money that will accumulate if Leslie leaves the money in the bank for 1, 5, 15 year(s).

       b. Suppose Leslie moves her money into an account that pays 8 percent or one that pays 10 percent. Rework part (a) using 8 percent and 10 percent.

       c. What conclusions can you draw about the relationship between interest rates, time, and future sums from the calculations you just did?

a.       After placing $10,000 in a savings account paying annual compound interest of 6 percent, the amount of money that will accumulate if Leslie leaves the money in the bank for 1 year(s) is _________________________. (Round to the nearest cent.)

2.       (Present value) Sarah Wiggum would like to make a single investment and have $2.0 million at the time of her retirement in 35 years. She has found a  mutual fund that will earn 4 percent annually. How much will Sarah have to invest today? If Sarah earned an annual return of 14 percent, how soon could she retire?

a.       If Sarah can earn 4 percent annually for the next 35 years, the amount of money she will have to invest today is $_________________(Round to the nearest cent.)

3.       (Solving for n) How many years will it take for $500 to grow to $991.99 if it’s invested at 6 percent compounded annually?

The number of years it will take for $500 to grow $991.99 at 6 percent compounded is _________years. (Round to one decimal place.)

4.  (Solving for i) Lance Murdoc k purchased a wooden statue of a Conquistador for $7,600 to put in his home office 7 years ago. Lance has recently married, and his home office is being converted into a sewing room.  His new wife, who has far better taste than Lance, thinks the Conquistador is hideous and must go immediately. Lance decided to sell it on e-Bay and only received %5,200 for it, and so he took a loss on the investment. What was his rate of return, that is, the value of i?

What was Lance Murdoc’s rate of return, that is, the value of i? Enter a negative percentage for a loss

_______% (Round to two decimal places.)

5.  (Future value of an ordinary annuity) What is the future value of $500 per year for 10 years compounded annually at 5 percent?

 The future value of $500 per year for 10 years compounded annually at 5 percent is $___________. (Round to the nearest cent.)

6.  (Present value of an ordinary annuity) What is the present value of $2,500 per year for 8 years discounted back to the present at 10 percent?

 The present value of $2,500 per year for 8 years discounted back to the present at 10 percent is $____________. (Round to the nearest cent.)

7.  (Present value of a growing perpetuity) What is the present value of a perpetual stream of cash flows that pays $90,000 at the end of year one and then grows at a rate of 4% per year indefinitely? The rate of interest used to discount the cash flows is 11%.

The present value of the growing perpetuity is $___________. (Round to the nearest cent.)

8.  (Present value of complex cash flows) How much do you have to deposit today so that beginning 11 years from now you can withdraw $10,000 a year for the next 5 years (periods 11 through 15) plus an additional amount of $20,000 in the last year (period 15)? Assume an interest rate of 6 percent.

The amount of money you have to deposit today is $____________. (Round to the nearest cent.)

9.  (Break-even analysis) The Marvel Mfg. Company is considering whether or not to construct a new robotic production facility. The cost of this new facility is $600, 000 and it is expected to have a six-year life with annual depreciation expense of $100, 000 and no salvage value. Annual sales from the new facility are expected to be 2,000 units with a price of $1,000 per unity. Variable production costs are $600 per unit, and fixed cash expenses are $80,000 per year.

a.       Find the accounting and the cash break-even units of production

b.      Will the plant make a profit based on its current expected level of operations

c.       Will the plant contribute cash flow to the firm at the expected level of operations?

a.       The accounting break-even units of production is __________units. (Round to the nearest whole number.)

10.  (Break-even analysis) Farrington Enterprises runs a number of sporting goods businesses and is currently analyzing a new T-shirt printing business. Specifically, the company is evaluating the feasibility of this business based on its estimates of unit sales, the price per unit, variable cost per unit and fixed costs. The company initial estimates of annual sales and other critical variables are shown below:

Unit sales                                                                    5,000

Price per unit                                                              $12.00

Variable cost per unit                                                 $8.00

Fixed cash expense per year                                    $10,000

Depreciation expense                                                $5,000

a.       The accounting break-even units of production is ______________units. (Round to the neares interger.)

11.  (Financial forecasting) Which of the following accounts would most likely vary directly with the level of firm sales?

Cash                                                                                              yes or no

Notes payable                                                                             yes or no

Marketable securities                                                                yes or no

Plant and equipment                                                                 yes or no

Accounts payable                                                                        yes or no

Inventories                                                                                    yes or no

Long-term debt                                                                             yes or no

Will this account vary with sales (cash)?                                  yes or no

12.  (Corporate income tax) Meyer Inc. has taxable income (earnings before taxes) of $300,000. Calculate Meyer’s federal income tax liability using the tax table shown below. What are the firm’s average and marginal tax

Taxable Income                                                             Marginal Tax Rate

$0-$50,000                                                                      15%

$50,001-$75,000                                                             25%

$75,001-$100, 000                                                          34%

$100,001-$335,000                                                         39%

$335,000-$10,000,000                                                    34%

$10,000,000-$15,000,000                                               35%

$15,000,001-$18,333,333                                               38%

Over $18,333,333                                                              35%

The firm’s tax liability for the year is $___________. (Round to the nearest dollar.)

13.  (Working with the balance sheet) The Caraway Seed Company grows heirloom tomatoes and sells their seeds. The heirloom tomato plants are preferred by many growers for their superior flavor. At the end of the most recent year the firm had current assets of $50,000 net fixed assets of $250,000, current liabilities of $30,000, and long term debt of $100,000.

a.       Calculate Caraway’s stockholders equity.

b.      What is the firm’s net working capital?

c.       If Caraway’s current liabilities consist of $20,000 in accounts payable and $10,000 in short-term debt (notes payable), what is the firm’s net working capital?

a.       Calculate Caraway’s stockholder’s equity.

Caraway’s stockholders’ equity is $______________. (Round to the nearest dollar)

14.  (Review of financial statements) A scrambled list of accounts from the income statement and balance sheet of Belmond, Inc. is found below:

Inventory                                                           $6,540

Common Stock                                                   44,940

Cash                                                                       16,560

Operating expenses                                               1,320

Short-term notes payable                                         590

Interest expense                                                         940

Depreciation expense                                                 520

Sales                                                                         12,810

Accounts receivable                                                 9,620

Accounts payable                                                      4,840

Long-term debt                                                        55,060

Cost of goods sold                                                         5,760

 Buildings and equipment                                        122,190

 Accumulated depreciation                                                 34,310

 Taxes                                                                                         1,430

General and administrative expense                                       880

Retained earnings                                                                        ?

a.       How much is the firm’s net working capital?

b. Complete an income statement and a balance sheet for Belmond.
c. If you were asked to respond to complete parts a. and b. as part of a training exercise, what could you tell your boss about the company’s financial condition based on your answers?

15.  (Analyzing the quality of firm earnings) Kabutell, Inc. had net income of $75,000, cash flow from financing activities of $50,000, depreciation expenses of $50,000, and cash flow from operating activities of $575,000.

a.       Calculate the quality of earnings ratio. What does this ration tell you?

b.      Kabutell, Inc. reported the following in its annual reports for 2011-2013:

       ($ million)                                                2011                        2012              2013

       Cash Flow from Operations                  $478                        $403              $470

        Capital Expenditures (CAPEX)             $459                         $447               $456

Calculate the average capital acquisitions ratio over the three year period. How would you interpret these results?

a.       What is Kabuutell’s quality of earnings ratio ______________% (Round to one decimal place.)                 

Please check data of each problem. If your data is different, correct data in Excel. As calculations are formula based, answer will be updated automatically. Please check data of each question with your data.

 

FIN370 Industry Averages and Financial Ratios – Wal-mart

Find a publicly-traded company on Yahoo!® Finance by entering the company name in the search bar. The company chosen will be Wal-Mart.

• Wal-Mart
Locate the SIC code for the company's industry by watching the video.

Find the industry ratios for the company using the Dun & Bradstreet® Key Business Ratio link in the University Library.

Assume the inventory ratio is based on a traditional inventory system, but globalized markets and the supply chain make it critical to adopt lean principles to create a more efficient system. Discuss what a change to a Just- In- Time inventory system would have if adopted.

Calculate the financial ratios (show your calculations) for the company using Yahoo!® Finance to locate its two most recent annual financial statements. Be careful not to use quarterly information. Include the ratios for both years.

Compare the ratios for the company you selected with the appropriate industry ratios including profitability, solvency, and efficiency ratios shown on the D&B Report.

Write a 350-word response about how the company you selected performed compared with the industry.

1000+ words paper with references and calculation in excel.

 

FIN370 Definitions

The assignment is to define a number of financial and supply chain terms and apply them to their role in the financial world. Seventy percent of the grade is based on content, which is all listed terms include definition and role in finance or supply chain management. Thirty percent is based on mechanics, which is ensuruing the paper paper—including tables and graphs, headings, title page, and reference page—is consistent with APA formatting guidelines and meets course-level requirements; intellectual property is recognized with in-text citations and a reference page. Including, paragraph and sentence transitions are present, logical, and maintain the flow throughout the paper. Sentences are complete, clear, and concise.

Term Definition Resource you used

Time value of money

Efficient market

Primary versus secondary market

Risk-return tradeoff

Agency (principal and agent problems)

Market information and security prices and information asymmetry

Agile and lean principles

Return on investment

Cash flow and a source of value

Project management

Outsourcing and offshoring

Inventory turnover

Just-in-time inventory (JIT)

Vender managed inventory (VMI)

Forecasting and demand management

 

 

No comments:

Post a Comment

ECO561 Economics