discounted value

简明释义

贴现价值

英英释义

例句

1.The discounted value helps in comparing different investment options effectively.

通过折现值可以有效比较不同的投资选项。

2.The discounted value of the property was calculated using a 5% discount rate.

该物业的折现值是使用5%的折现率计算的。

3.The discounted value of the future cash flows is essential for determining the investment's worth.

未来现金流的折现值对于确定投资的价值至关重要。

4.Investors often calculate the discounted value to assess whether a stock is undervalued.

投资者通常计算折现值来评估一只股票是否被低估。

5.To make an informed decision, you need to know the discounted value of your expected earnings.

为了做出明智的决定，您需要知道预期收益的折现值。

作文

In the world of finance and investment, understanding the concept of discounted value is crucial for making informed decisions. The discounted value refers to the present value of a future cash flow or stream of cash flows, which has been adjusted for the time value of money. This principle is based on the idea that a dollar today is worth more than a dollar in the future due to its potential earning capacity. Therefore, when evaluating investments, it is essential to consider the discounted value to determine their true worth.To illustrate the importance of discounted value, let’s consider a simple example. Imagine you have the opportunity to receive $1,000 one year from now. If the current interest rate is 5%, the discounted value of that future payment can be calculated using the formula: Discounted Value = Future Cash Flow / (1 + r)^nwhere 'r' is the interest rate and 'n' is the number of years until the payment is received. Plugging in the values, we get:Discounted Value = 1000 / (1 + 0.05)^1 = 1000 / 1.05 ≈ 952.38This means that receiving $1,000 in one year is equivalent to having approximately $952.38 today. By applying this concept, investors can compare different investment opportunities more effectively, as they can assess the discounted value of future earnings against the initial investment costs.Furthermore, the discounted value is not only applicable to individual cash flows but also to entire projects or businesses. When companies evaluate potential investments, they often use discounted cash flow (DCF) analysis to estimate the discounted value of projected cash flows over multiple years. This method helps investors understand whether an investment is likely to yield a return that exceeds the cost of capital.For instance, if a company anticipates generating cash flows of $1,000, $1,200, and $1,500 over the next three years, and the discount rate is 5%, the discounted value of these cash flows would be calculated as follows:Year 1: Discounted Value = 1000 / (1 + 0.05)^1 = 952.38Year 2: Discounted Value = 1200 / (1 + 0.05)^2 ≈ 1,080.65Year 3: Discounted Value = 1500 / (1 + 0.05)^3 ≈ 1,295.02Adding these values together gives us the total discounted value of the project:Total Discounted Value ≈ 952.38 + 1,080.65 + 1,295.02 ≈ 3,328.05If the initial investment required for this project is less than $3,328.05, it may be considered a worthwhile investment.In conclusion, the concept of discounted value plays a pivotal role in financial decision-making. It allows investors and companies to assess the present worth of future cash flows, enabling them to make more rational and informed choices. By incorporating the time value of money into their analyses, stakeholders can better navigate the complexities of investing and ensure they are maximizing their potential returns. Understanding discounted value is not just a theoretical exercise; it is a practical tool that can significantly impact financial outcomes.

在金融和投资的世界中，理解折现价值的概念对做出明智的决策至关重要。折现价值是指未来现金流或现金流量流的现值，该现值已根据货币的时间价值进行了调整。这一原则基于这样的理念：今天的一美元比未来的一美元更值钱，因为它具有潜在的盈利能力。因此，在评估投资时，考虑折现价值以确定其真实价值是非常重要的。为了说明折现价值的重要性，让我们考虑一个简单的例子。假设您有机会在一年后收到1000美元。如果当前利率为5%，那么未来支付的折现价值可以使用以下公式计算：折现价值 = 未来现金流 / (1 + r)^n其中'r'是利率，'n'是收到付款的年数。将数值代入，我们得到：折现价值 = 1000 / (1 + 0.05)^1 = 1000 / 1.05 ≈ 952.38这意味着在一年后收到1000美元相当于今天拥有大约952.38美元。通过应用这一概念，投资者可以更有效地比较不同的投资机会，因为他们可以评估未来收益的折现价值与初始投资成本的关系。此外，折现价值不仅适用于单个现金流，也适用于整个项目或企业。当公司评估潜在投资时，他们通常使用折现现金流（DCF）分析来估算未来现金流的折现价值，这有助于投资者理解投资是否可能产生超过资本成本的回报。例如，如果一家公司预计在未来三年内产生1000美元、1200美元和1500美元的现金流，而折现率为5%，则这些现金流的折现价值将按如下方式计算：第一年：折现价值 = 1000 / (1 + 0.05)^1 = 952.38第二年：折现价值 = 1200 / (1 + 0.05)^2 ≈ 1,080.65第三年：折现价值 = 1500 / (1 + 0.05)^3 ≈ 1,295.02将这些值相加，我们得到该项目的总折现价值：总折现价值 ≈ 952.38 + 1,080.65 + 1,295.02 ≈ 3,328.05如果该项目所需的初始投资少于3,328.05美元，则可能被视为值得投资。总之，折现价值的概念在财务决策中发挥着关键作用。它使投资者和公司能够评估未来现金流的现值，从而使他们能够做出更理性和明智的选择。通过将货币的时间价值纳入分析，利益相关者可以更好地应对投资的复杂性，并确保最大化潜在回报。理解折现价值不仅仅是一个理论练习；它是一个实用工具，可以显著影响财务结果。