Stock Price Calculator : Intrinsic Value & Investment Risk

Calculate stock fair value with valuation models and customize your estimates on EPS growth.

Index
This tool helps answer :
  1. How can I efficiently value a stock using fundamental analysis, based on EPS and its growth, without feeding unessential accounting variables or economic assumption in a discounted cash flow (DCF) model?
  2. How can I not get lost in ambiguous stock recommendation from brokers, advisors, bloggers, and youtubers? Are their estimates realistic, or too optimistic?
  3. Am I prepared for the risk due to rising interest rate or downturn growth? Can I estimate how sensitive the price may go down?
Company earnings (EPS)
Compan lifecycle stage
Company lifecycle stage
Manually fill EPS for year(s)
Next 12-month EPS
2nd-year EPS
3rd-year EPS
Subsequent EPS growth / year
, applied for Input the years that the growth will continue for, until the end of high-growth stage years.
Mature-stage EPS growth / year
Discount rate assumption
Risk-free rate reference
US Treasury Yields
(as of )
1-year
3-year
5-year
10-year
30-year
Risk-free rate input 10-year Treasury yield is commonly used in valuation practice
Equity risk premium
Typical equity risk premium is around 2% to 8%, affected by the following factors:
  • When the stock market is at panic situation, or when investors' risk appetite is low (unwilling to take the risk), the risk premium would be higher.
  • When the market is overheated, or investors' risk appetite is high (willing to take more risk), the risk premium would be lower.
  • When a company has more volatile earnings, it would have higher risk premium.
Required rate of stock
Price sensitivity
Scenario 1 Scenario 2
EPS growth achieved x x
Interest rate change
Stock fair price change to
Value change
How to use this tool to value a stock

Here are the steps of how you might use a stock price calculator based on earnings estimates and other financial data:

  1. Understanding the Basics of Stock Valuation

    A stock price estimate is based on the fair value of a company's stock. Typically, it uses a variety of metrics and assumptions about the company's earnings, growth, interest rate environment, and market conditions.

  2. Gather Company Information and Earnings Data

    Before using the tool, you'll need some key inputs:

    • The Growth Stage of the Company: If the company is newly listed (IPO), in a knowledge-and-technology-intensive (KTI) industry, or has a high revenue growth potential, it can be in a start-up (still having negative EPS) or high-growth stage. Otherwise, it can be in the mature stage, where explosive revenue growth is less expected.
    • Earnings Per Share (EPS) Estimate: This represents the company's earnings divided by the number of outstanding shares. It's a key measure of profitability. You can often find this in the company's financial reports or analyst estimates. Taking Apple Inc. for example, you may find analysts' estimates of earnings here. The analysts may have a few future years' forecasts, but the further the estimate, the less accurate it would be. Some analysts may also be biased in their estimate, especially intended to be more optimistic, so you should consider to adjust analysts' EPS estimate with an objective judgement.
    • Earnings Growth Rate: The expected growth in EPS over the future years after the manually EPS inputs. You might use historical growth rates or analyst projections for the company's future growth. You can find a company's historic EPS and sales growth trends by using our Stock Screener. The stock price is very sensitive to the growth rate so be mindful of your estimate on this input. One final note: the mature-stage EPS growth can not be higher than the discount rate; otherwise, the stock price will be an infinite number.

  3. Set the Discount Rate

    This rate reflects the time value of money and the risk associated with investing in the stock. A common approach is to use a discount rate that adds an equity risk premium (market risk premium) to the risk-free rate based on how risky you perceive the investment to be:

    • Risk-Free Rate (e.g., Treasury Yield): A rate typically based on government bonds (considered a "safe" investment). The current rates are available in the table next to the input for your reference. 10-year Treasury yield is commonly used in valuation practice.
    • Equity Risk Premium: An estimate of the return expected from the stock market above the risk-free rate. Typical equity risk premium is around 2% to 8%, affected by the following factors:
      • Current economic conditions: When the stock market is in a panic situation or when investors' risk appetite is low (unwilling to take the risk), the risk premium is higher. When the market is overheated or investors' risk appetite is high (willing to take more risk), the risk premium is lower.
      • Sector-specific or company-specific risks: A company or its sector with more volatile earnings would have a higher risk premium

    You may also check the current recommended U.S. risk-free rate and equity risk premium here.

  4. Generate Stock Fair Price Estimate

    After inputting the data, the tool should generate an estimate of the stock's intrinsic value. This is essentially what the stock should be worth based on the inputs you provided (e.g., EPS, growth, and discount rate).

    • Compare the Estimated Value to the Current Market Price: This helps you assess whether the stock is overvalued or undervalued.
      • If the tool suggests the stock's fair value is $100, but the market price is $80, it could indicate a buying opportunity.
      • Conversely, if the fair value is $100 and the market price is $120, it might be overvalued.

  5. Additional Price Sensitivity Analysis (Optional)

    To further evaluate if you want to invest in this stock, here are some risks you can test:

    • Earnings Surprise or Disappointment: This lets you shock the EPS growth to see how sensitive the stock's value is (e.g., what happens if growth slows down).
    • Change in Interest Rate: This lets you shock the risk-free rate to see how sensitive the stock's value is. In general:
      • When the interest rates rise, the higher discount rate leads to lower stock prices, due to less attractive future cash flows, higher borrowing costs for the company, and shifting investor preferences towards bonds.
      • When the interest rates fall, the lower discount rate leads to higher stock prices, due to more attractive valuations, lower borrowing costs for the company, and increased risk appetite for stocks.

      This relationship is not fixed, and market dynamics can be influenced by a wide range of factors, but generally, Treasury yield is still a key determinant in stock price behavior.

Based on the calculation results compared with the current market price and the risk of price shocked, you can assess whether or not to buy, sell, or short-sell this stock.


Counting Cards on Wall Street: How Traders Find Their Edge with Technical and Fundamental Analysis

When Boaz Weinstein, the hedge fund manager best known for betting against JPMorgan’s “London Whale,” talks about investing, he reaches for a casino metaphor. Trading stocks, he says, is a lot like counting cards at the blackjack table. The cards don’t guarantee a win, but by tracking what’s been played, a skilled player can spot when the odds tilt in their favor. At that moment, discipline and timing matter more than luck.

In markets, the same logic applies. Every investor is looking for an edge — a small but reliable advantage that, compounded over time, separates winners from everyone else. The question is: can the tools investors lean on, from technical analysis to fundamental research, really provide that edge? And if so, how do traders actually use them in practice?

The Blackjack Mindset

Card counting doesn’t work by predicting the exact next card. It works by narrowing probabilities. A deck heavy with face cards favors the player; a deck stacked with small cards favors the dealer. The counter doesn’t play every hand equally. They bet small most of the time, then press hard when the odds swing their way.

Weinstein argues that successful investors need the same mindset. Markets are noisy, unpredictable, and full of false signals. But in certain moments — when probabilities shift, when patterns repeat, when valuations diverge from reality — the odds lean in your favor. The edge isn’t about certainty; it’s about knowing when to bet big and when to sit tight.

That’s where technical analysis and fundamental analysis come in. Each offers a different way to spot those moments of opportunity.

Technical Analysis: Reading the Market’s Tells

Technical analysis is often misunderstood as squiggly lines on charts. In reality, it studies how crowds behave — the footprints of buyers and sellers visible in price and volume. In blackjack terms, it’s the equivalent of watching which cards have already been played. A technical trader doesn’t know the next move, but by examining past moves, they can estimate where probabilities lie.

Example: Breakout Trading
Consider a stock stuck in a trading range, capped at $100 for weeks. Technical traders watch for a breakout — a surge above $100, ideally with strong volume. That’s the moment they believe momentum shifts in their favor.

Why it can work: markets often accelerate when widely watched levels are breached. Other traders jump in, algorithms fire off buy orders, and the breakout feeds on itself.

The discipline: false breakouts are common. The edge is preserved by placing stop-loss orders just below the breakout and cutting losers quickly. Over hundreds of trades, the small edge compounds into real gains.

In short: technical analysis can’t tell you the future. But it can tell you when the crowd is leaning one way — and give you a structured way to bet when the odds tilt.

Fundamental Analysis: Knowing the True Value of the Hand

If technical analysis is about psychology and timing, fundamental analysis is about economics and value. Instead of tracking cards on the table, fundamental investors study the rules of the game itself: company earnings, competitive moats, industry trends, and macro conditions. The idea is simple: find stocks trading at prices that don’t reflect their true worth. Buy when others have underpriced the hand you’re holding.

Example: Using a Stock Value Calculator
Some investors use structured tools such as our Stock Value Calculator. This tool lets you project a company’s future earnings, set assumptions for high-growth and mature phases, and apply a discount rate that reflects Treasury yields plus an equity risk premium.

The model then estimates intrinsic value. If the fair price is materially above the market price, the stock may be undervalued; if below, it may be overpriced. By running sensitivity tests — nudging growth lower or rates higher — you see how fragile or resilient the thesis is.

The edge: most participants don’t build models or they use rosy assumptions. A disciplined, scenario-tested valuation process helps avoid overpaying in euphoria and seize bargains when fear depresses prices. It’s not about guessing the next card; it’s about knowing the game’s math better than average and betting only when it works in your favor.

Two Different Paths to the Same Goal

  • Time horizon: Technical edges are short-term (days/weeks). Fundamental edges play out over months or years.
  • Source of edge: Technical relies on momentum and crowd behavior; fundamental relies on valuation and business strength.
  • Psychological test: Technical traders need fast reflexes and strict risk control; fundamental investors need patience and conviction.

Neither guarantees success. Both require the discipline to wait for the edge — and the humility to cut losses when wrong.

Blending the Approaches

Many professionals combine both. A fundamental investor may identify an undervalued stock but wait for a technical signal — a trend break, a base, a volume thrust — before committing real capital. A technical trader might screen for high-quality companies to reduce the risk that momentum collapses under weak fundamentals.

This hybrid strengthens the edge. It’s like a card counter who not only tracks the deck but also understands dealer tendencies and betting spreads. The more dimensions you integrate, the sharper your advantage.

Luck, Skill, and the Long Game

“Luck plays a very big role… You just try to play the odds when they tilt in your favor… And it takes a very long time to be able to separate who was lucky and who was good.” — Boaz Weinstein

Even with sharp tools and disciplined methods, markets are messy and full of randomness. A winning streak might be skill — or just good fortune. The market won’t reveal immediately whether you’re skilled or merely lucky. Only consistency over many cycles shows the difference.

Play the Odds, Not Certainty

The lesson from blackjack — and from Weinstein’s philosophy — is that investing is never about certainty; it’s about probabilities. Technical analysis helps spot short-term tilts in momentum. Fundamental analysis helps uncover long-term mispricings. Both provide edges, but small ones.

The real test is whether you can combine those edges with discipline, risk management, and emotional control — and sustain them long enough for luck to even out. The best investors aren’t those who win every hand; they are the ones who stay in the game long enough for their edge to show through the noise of chance.

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