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Apple STUDENT MANAGED INVESTMENT FUND Katherine Gonzalez Zachary Schwager Carlos Valcarcel Special Thanks to: John Neumann Company Overview II. Product line-up III. Geographical Sales IV. Apple 10 yr Stock chart V. Industry Overview VI. Current Events VII. Fundamental Analysis VIII. DuPont Analysis IX. Market Share X. Pro Forma Income Statement XI. Relative Valuation XII. Absolute Valuation XIII. Recommendations I. Agenda  Apple Inc. was founded by Steve Jobs and Steve Wozniak in 1976. Apple Computer, Inc., is an American multinational corporation with a focus on designing and manufacturing consumer electronics and closely related software products As of September 2007, the company operates 194 retail stores in the United States, and more in the United Kingdom, Japan, Canada, and Italy    Company Overview For a variety of reasons, ranging from its philosophy of comprehensive aesthetic design to their advertising campaigns, Apple has engendered a distinct reputation in the consumer electronics industry and has cultivated a customer base that is unusually devoted to the company and its brand, particularly in the United States.        Computers Cellular phones MP3 players Software Online Music Vendor Distributes third party computer Accessories “Apple TV” an online television adapter Product line-up Mac Desktop 1% 10% 5% 6% 17% Mac Portables Ipod iTunes - Other Music Related products & Services Iphone & Related products and Serivces Peripherals & other hardware 26% 35% Software, service, and other net sales Revenue by Product  The Company manages it business on a geographic basis. The operating segments consist of Americas, Europe, Japan, and Retail. Geographical Sales AAPL 10 Year Stock Chart  Apple Inc. competes in the Technology Industry, Their focus is: ◦ Computers ◦ Cellular Phones ◦ Online music ◦ Software ◦ Computer accessories The Technology Industry is highly competitive and characterized by rapid technological advances in both hardware and software. Because Apple participates in several components of the highly dynamic Technology Industry, Apple’s strategy has been to be an Innovator rather than a follower.    Apple’s Greatest competitor is the Microsoft Corporation. Industry Overview  Financial Results ◦ Apple reported highest ever 4th quarter revenue and earnings:  Revenue increase over 6.22 billion or 29%, driven by strong Mac and iPods sales  Robust growth from iTunes revenue  2007 Fiscal Year EPS: $3.93, up 73%  iPhone ◦ Apple sold over 1.1 million iPhones over the last quarter, ◦ Began selling iPhones in Europe November 9, 2007 ◦ Apple plans to sell 10 million iPhones in 2008  Apple will also unveil a new sub-portable MacBook ◦ The ultra-portable laptop is expected to be 50% thinner than the existing MacBook ◦ Will contain flash-based memory instead of a disc drive.  New Apple store highlights "geniuses," services ◦ Apple stores pulled in $1.25 billion in revenue in the company's last fiscal quarter ◦ 42% jump from a year earlier and accounting for a fifth of total revenue. Current Events Income/Cash Flow Sales Net Income Cash Flow from Operations 80.00% 60.00% 40.00% 20.00% 0.00% -20.00% -40.00% AAPL DELL HPQ MSFT Industry Avg SP500 2000-2001 -32.82% 14.16% 2001-2002 7.07% -1.61% 2002-2003 8.10% 19.14% 2003-2004 33.38% 18.83% 2004-2005 68.27% 15.82% 2005-2006 38.65% 9.67% 2006-2007 24.29% 1.30% 2000-2006 17.03% 10.77% 1.75% 9.93% 3.60% 16.87% 44.20% 8.91% 9.98% 15.78% 8.68% 6.69% 5.69% 12.42% 11.70% 19.23% 11.52% 12.75% + 0.0 3.25% -5.04% -2.38% 9.35% 4.58% 13.57% 11.32% 6.82% 7.51% 11.25% 8.69% 8.14% 5.10% 6.56% 5.36% Sales Growth 1400.00% 1200.00% 1000.00% 800.00% 600.00% 400.00% 200.00% 0.00% -200.00% -400.00% AAPL DELL HPQ MSFT Industry Avg SP500 2000-2001 -104.71% -20.72% 2001-2002 -275.68% 25.46% 2002-2003 4.62% 29.30% 2003-2004 291.18% 24.05% 2004-2005 399.25% 14.28% 2005-2006 49.77% -12.14% 2006-2007 75.77% -4.68% 2000-2006 23.76% 6.23% -56.99% -34.53% -178.86% -4.83% 279.27% 32.57% 58.10% -0.27% -5.97% 59.21% 60.01% 0.54% 38.23% 15.00% 10.41% 6.13% -85.74% -113.68% -33.33% -89.20% 269.05% 1270.00% 103.87% 507.69% 46.94% -4.36% 6.25% 14.41% 20.00% 17.10% 4.27% 4.33% Net Income Growth 250.00% 200.00% 150.00% 100.00% 50.00% 0.00% -50.00% -100.00% AAPL DELL HPQ MSFT Industry Avg SP500 2000-2001 -78.69% 3.58% 2001-2002 -51.35% -13.59% 2002-2003 221.11% 4.96% 2003-2004 223.18% 4.94% 2004-2005 171.41% 63.51% 2005-2006 -12.43% -29.16% 2006-2007 146.40% -11.68% 2000-2006 30.08% 0.12% -60.10% 20.14% 222.08% 24.84% -8.54% -24.54% 5.95% 16.55% 48.23% 11.30% 22.95% -16.49% -7.45% 38.75% 11.19% 7.89% -5.34% 3.70% 23.26% 11.54% 0.51% -10.19% 12.82% 7.21% 10.96% 19.40% 5.52% -10.03% 16.00% 22.16% 8.73% 5.57% Cash Flow from Operations Operating Performance ROE ROA EBIT Net Profit Margin Asset Turnover 80.000 60.000 40.000 20.000 0.000 (20.000) (40.000) (60.000) AAPL 2000 21.800 37.693 20.220 25.588 2001 (0.922) 25.745 10.267 13.688 2002 1.622 38.735 (4.593) 11.984 2003 1.635 47.319 5.647 13.485 2004 5.721 50.474 8.648 11.333 2005 21.241 57.665 8.077 20.708 2006 22.846 69.435 13.337 30.644 2007 28.520 62.285 18.549 43.602 DELL HPQ MSFT Industry Avg SP500 29.100 15.300 (1.800) 7.000 (34.900) 3.100 7.700 9.800 14.000 15.800 20.100 16.700 17.100 17.600 16.600 15.700 ROE 25.000 20.000 15.000 10.000 5.000 0.000 (5.000) (10.000) AAPL DELL HPQ MSFT 2000 2001 2002 2003 2004 2005 2006 2007 13.139 16.756 (0.577) 11.051 1.055 13.533 1.037 15.574 3.579 16.210 13.575 15.880 13.850 12.929 16.432 11.017 10.218 20.491 16.800 10.000 4.510 10.937 (4.400) 1.700 (2.233) 9.290 (3.800) 1.000 2.902 10.490 2.800 3.100 4.479 9.053 8.200 7.600 4.103 15.528 12.600 8.300 6.361 18.910 10.400 8.400 8.272 22.712 12.100 7.80 Industry Avg SP500 ROA 25,000.00 20,000.00 15,000.00 10,000.00 5,000.00 0.00 -5,000.00 AAPL DELL HPQ MSFT 2000 2001 2002 2003 2004 2005 2006 2007 1,121.00 2,912.00 (25.00) 2,719.00 129.00 2,622.00 126.00 3,421.00 396.00 4,064.00 1,808.00 4,726.00 2,818.00 3,875.00 5,008.00 3,786.00 4,653.00 14,977.00 2,035.00 1,227.00 2,318.00 9,560.00 819.00 787.00 2,235.00 9,695.00 570.00 466.00 3,690.00 12,914.00 1,064.00 903.00 4,705.00 15,129.00 1,517.00 1,270.00 5,018.00 19,630.00 2,112.00 1,563.00 7,354.00 19,709.00 2,289.00 1,695.00 9,175.00 21,740.00 2,601.00 1,591.00 Industry Avg SP500 EBIT 60.000 40.000 20.000 0.000 (20.000) (40.000) (60.000) (80.000) (100.000) (120.000) (140.000) (160.000) AAPL DELL HPQ MSFT 9.846 6.494 -0.690 4.509 1.132 5.750 1.096 6.240 3.213 6.514 9.533 6.427 10.298 5.149 14.563 4.845 7.250 42.039 35.000 0.000 3.065 25.035 (133.40) (33.00) (2.33) 20.387 (21.20) (11.50) 2.901 24.816 3.000 (1.60) 4.170 21.376 10.200 7.600 3.608 31.896 16.700 7.100 5.462 28.524 15.200 9.100 6.760 27.511 11.700 0.089 Industry Avg S&P 500 Net Profit Margin 3.000 2.500 2.000 1.500 1.000 0.500 0.000 AAPL 2000 1.335 2.580 1.409 0.487 1.000 1.200 2001 0.836 2.451 1.472 0.437 0.800 1.100 2002 0.932 2.354 0.957 0.456 0.800 1.000 2003 0.947 2.496 1.000 0.423 0.800 1.000 2004 1.114 2.488 1.074 0.424 0.800 1.100 2005 1.424 2.471 1.137 0.487 0.800 1.100 2006 1.345 2.511 1.164 0.663 0.800 1.100 2007 1.128 2.274 1.224 0.826 0.800 1.100 DELL HPQ MSFT Industry Avg S&P 500 Asset Turnover Short Term Liquidity Current Ratio Quick Ratio Receivables Turnover 5.0000 4.5000 4.0000 3.5000 3.0000 2.5000 2.0000 1.5000 1.0000 0.5000 0.0000 AAPL 2000 2.8076 1.4512 1.6105 3.1069 2001 3.3880 1.2261 1.5027 4.2371 2002 3.2497 1.0296 1.4595 3.8117 2003 2.4977 1.0370 1.5458 4.2202 2004 2.6613 0.9905 1.2685 4.6860 2005 2.9538 1.1295 1.2016 2.8587 2006 2.25 1.00 1.30 2.10 2007 2.36 1.30 1.20 1.60 DELL HPQ MSFT Industry Avg S&P 500 2.9000 2.2000 2.7000 2.3000 2.5000 2.2000 2.5000 2.3000 2.7000 2.3000 2.8000 2.3000 2.70 2.20 2.70 2.20 Current Ratio 5.000 4.500 4.000 3.500 3.000 2.500 2.000 1.500 1.000 0.500 0.000 AAPL 2000 2.790 1.37 1.20 3.10 2001 3.381 1.18 1.11 4.23 2002 3.223 0.99 1.24 3.76 2003 2.474 1.00 1.29 4.17 2004 2.623 0.99 1.27 4.69 2005 2.907 1.13 1.20 2.86 2006 2.21 1.00 1.10 1.90 2007 2.32 1.20 1.00 1.50 DELL HPQ MSFT Industry Avg S&P 500 2.80 1.80 2.50 1.80 2.40 1.80 2.40 1.90 2.60 1.90 2.70 1.90 2.60 1.80 2.50 1.80 Quick Ratio 80.000 70.000 60.000 50.000 40.000 30.000 20.000 10.000 0.000 AAPL DELL HPQ MSFT 2000 2001 2002 2003 2004 2005 2006 2007 9.771 10.590 7.559 11.483 11.139 12.098 9.327 13.955 10.752 13.946 16.694 12.775 17.993 10.688 16.619 8.976 6.454 8.677 7.900 15.300 6.440 7.560 7.700 15.900 5.343 7.436 7.300 20.700 6.392 7.271 8.100 26.000 7.047 7.845 8.600 73.100 7.494 7.398 8.600 76.100 7.650 7.154 8.700 55.400 7.585 6.818 8.900 21.000 Industry Avg S&P 500 Receivables Turnover Debt to Equity AAPL DELL HPQ MSFT Industry Avg S&P 500 Financial Leverage AAPL DELL HPQ MSFT Industry Avg S&P 500 TIE AAPL DELL HPQ MSFT Industry Avg S&P 500 2000 7.305 7.892 34.323 0.000 16.300 73.300 2000 1.656 2.100 2.200 1.261 1.700 2.400 2000 51.700 N/A 21.1 N/A 64.6 1037.4 2001 8.087 10.505 39.823 0.000 31.100 66.600 2001 1.536 2.700 2.300 1.244 1.900 1.100 2001 5.700 57.9 N/A N/A 33.4 48.7 2002 7.717 11.301 23.090 0.000 25.400 73.000 2002 1.538 3.100 2.000 1.296 1.700 2.500 2002 27.500 90.4 10.5 N/A 20.7 43.9 2003 7.199 9.190 21.120 0.000 25.400 86.100 2003 1.614 3.000 1.900 1.259 1.900 3.000 2003 15.750 201.2 14.5 N/A 255.9 57.3 2004 2005 0.000 0.000 8.136 9.149 18.390 15.439 0.000 0.000 20.400 45.700 60.800 138.300 2004 1.586 3.200 1.900 1.261 1.800 1.900 2004 62.800 290.3 17 N/A 122.8 68.1 2005 1.550 4.100 2.000 1.472 2.300 4.500 2005 N/A 315.1 12.2 N/A 359.3 222.8 2006 0.000 21.546 18.617 21.617 21.100 68.100 2006 1.723 7.700 2.200 1.735 2.100 3.100 2006 N/A 133.60 20.70 N/A 349.90 316.10 2007 0.000 11.681 23.315 0.000 28.200 81.800 2007 1.744 4.600 2.300 2.031 2.900 9.800 2007 N/A 84.10 25.20 N/A 461.20 753.50 Long-term Solvency ROE (%) 2000 21.800 2001 (0.922) 2002 1.622 2003 1.635 2004 5.721 2005 21.241 2006 22.846 2007 28.520 Asset Turnover Net Profit Margin 1.335 9.846 1.659 0.836 -0.690 1.598 0.932 1.132 1.537 0.947 1.096 1.576 1.114 3.213 1.599 1.424 9.533 1.565 1.345 10.298 1.649 1.128 14.563 1.736 Financial Leverage Decompose ROE into its components (Asset Turnover, Net Profit Margin, Financial Leverage) in order to analyze what might be trying to change ROE. Net Profit Margin Has significantly been increasing and affecting ROE. DuPont Analysis Aggregate Industry Revenue Sales Apple Dell HPQ MSFT IBM MOT GOOG QCOM JAVAD RIMM 2000 7,983.00 25,265.00 48,870.00 22,956.00 85,089.00 32,107.00 19.10 3,196.80 15,721.00 221.30 2001 5,363.00 31,888.00 45,226.00 25,296.00 83,067.00 26,468.00 86.40 2,679.80 18,250.00 294.10 2002 5,742.00 31,168.00 56,588.00 28,365.00 81,186.00 23,422.00 439.50 2,915.00 12,496.00 306.70 2003 6,207.00 2004 8,279.00 2005 13,931.00 49,121.00 86,696.00 39,788.00 91,134.00 35,262.00 6,138.60 5,673.00 11,070.00 2,065.80 2006YTD 2007 E(2008) 19,315.00 55,788.00 91,658.00 44,282.00 91,423.00 42,879.00 10,604.90 7,526.00 13,068.00 3,037.00 16,891.00 43,968.00 75,993.00 41,531.00 69,920.00 26,976.00 11,767.40 6,852.00 10,337.00 3,384.60 30,045.0 64,380.0 113,476.0 62,382.0 102,077.0 40,163.0 16,694.0 10,171.0 14,568.0 7,961.0 35,404.00 41,444.00 73,061.00 79,905.00 32,187.00 36,835.00 89,131.00 96,293.00 23,155.00 29,663.00 1,465.90 3,847.00 3,189.20 4,880.00 11,434.00 11,185.00 594.60 1,350.40 Total 241,428.20 238,618.30 242,628.20 276,486.50 313,023.60 340,879.40 379,580.90 307,620.00 461,917.00 Market Share Sales Apple 2000 3.307% 2001 2.248% 2002 2.367% 2003 2.245% 2004 2.645% 2005 4.087% 2006YTD 2007 5.089% 5.491% 2008 6.5% Market Share A comparison with Apple’s main competitors to establish it’s market-share in the industry Industry Revenues ---------------------> 379,580.90 2006 5.09% 3,319.0 4,056.0 17.18% 21.00% 307,620.00 2007 7.80% 4,020.0 6,294.0 16.75% 26.22% 461,917.00 2008 6.50% Market Share Desktop Portables Ipod Other Music Related products & Services Iphone & Related products and Serivces Peripherals & other hardware 7,676.0 1,885.0 1,100.0 39.74% 9.76% 8,305.0 2,496.0 123.0 34.60% 10.40% 0.51% 5.25% 5.70% 1,260.0 Software, service, and other net sales Total Net Revenue Total COGS GROSS PROFIT Gross Profit Margin Total COGS as % of Rev SGA, Operating Expenses Op Exp as % of Revenue OPERATING INCOME 1,279.0 19,315.0 13,717.00 5,598.00 28.98% 71.02% 3,145.0 16.28% $2,453.00 6.62% 100.00% 1,508.0 24,006.0 15,852.00 8,154.00 33.97% 66.03% 3,745.0 15.60% $4,409.00 6.28% 100.00% 30,045.0 21,559.95 8,485.05 71.76% 4,482.71 14.92% 4,002.33 Pro Forma Income Statement Unusual Item OPERATING Inc After Unusual Item OTHER INCOME (EXPENSE) Interest Income Interest Expense Net Interest Income (Expense) Gain on sales of prop/equip Other Income (Expense) Net EBT Income Taxes $2,453.00 $4,409.00 0 4,002.33 394.0 0.0 394.0 0.0 29.0 $2,818.00 $829.00 $1,989.00 $1,989.00 647 0.0 647.0 0.0 48.0 $5,008.00 $1,512.00 $3,496.00 $3,496.00 657.5624 0.0 657.6 0 48.0 4,611.90 1,385.87 3,226.02 3,226.02 EAT NET INCOME Diluted Shares EPS Realized Tax Rates: 877.5 $2.27 29.42% 889.3 $3.93 30.19% 905.3 3.56 30.05% Pro Forma Income Statement cont . Relative Valuation PE Comparable AAPL DELL 2000 12.80 47.8 0.2678 2000 12.80 32.9 0.3891 2000 12.80 35.5 2001 101.00 23.5 4.2979 2001 101.00 13.8 7.3188 2001 101.00 36.9 2002 28.00 51 0.5490 2002 28.00 22.8 1.2281 2002 28.00 45.4 2003 38.8 2004 69.30 33.5 2.0687 2004 69.30 19.5 3.5538 2004 69.30 36.9 2005 45.50 25.5 1.7843 2005 45.50 28 1.6250 2005 45.50 22.9 2006 35.90 15.8 2.2722 2006 35.90 29.3 1.2253 2006 35.90 22.9 2007 43.40 24.3 1.7860 2007 43.40 21.7 2.0000 2007 43.40 20.7 P/E 2008 41 19.8 2.0707 PE Comparable AAPL HPQ 2003 P/E 2008 41 17.3 2.3699 P/E 2008 41 17 PE Comparable AAPL MSFT 2003 40.2 0.3606 2.7371 0.6167 1.8780 1.9869 1.5677 2.0966 2.4118 P/E 2008 41 29.4 1.3946 P/E 2008 41 22.7 1.8062 PE Comparable AAPL Industry Avg. 2000 12.80 132.8 0.0964 2001 101.00 178.3 0.5665 2002 28.00 131.7 0.2126 2003 74.3 2004 69.30 81.1 0.8545 2005 45.50 45.7 0.9956 2006 35.90 36.7 0.9782 2007 43.40 65.1 0.6667 PE Comparable AAPL SP500 Relative Valuation 2000 12.80 106.9 0.1197 2001 101.00 86 1.1744 2002 28.00 56.4 0.4965 2003 44.5 2004 69.30 39.1 1.7724 2005 45.50 38.1 1.1942 2006 35.90 26.7 1.3446 2007 43.40 34.4 1.2616 Average AAPL/DELL AAPL/HPQ AAPL/MSFT AAPL/Ind Avg. AAPL/SP500 1.860829 2.477153 1.60624 0.624349 1.051916 Median 1.786008 1.625 1.878049 0.666667 1.194226 EPS (2008)1: $3.56 EPS (2008)2: $4.98 Current Price: $194.30 AAPL / AAPL / AAPL / AAPL / AAPL / Dell Price HPQ Price MSFT Price Industry Price SP500 Price E(price 2008) using EPS1 125.89 100.08 113.66 69.78 96.51 E(price 2008) using EPS2 176.11 140.00 159.00 97.61 135.00 Average Price Estimate Using EPS1: Using EPS2: $ 101.18 $ 141.54 Industry Avg. / Benchmark 87.07 87.07 Relative Valuation Absolute Valuation FCFF Model Costs of Capital CAPM 10 yr T-Strip: Beta: Risk Premium CAPM= k1 = 4.26% 1.442 6.50% 4.26% + 1.442(6.5%) 13.63% Another K HPQ Bond Outstanding: Costs of Capital YTM: Equity Premium: k2 = 5.16% 5.16% 3% 8.16% Absolute Valuation - Cost Of Capital FCFFStarting from CFO Operating Activities Net Income Depreciation/Depletion Depreciation Depletion Amortization Amortization of Intangibles Amortization of Acquisition Costs Deferred Taxes Non-Cash Items Accounting Change Discontinued Operations Extraordinary Item Unusual Items Purchased R&D Equity in Net Earnings (Loss) Other Non-Cash Items Changes in Working Capital 2007 3,496.0 317.0 317.0 2006 1,989.0 225.0 225.0 2005 1,328.0 179.0 179.0 2004 266.0 150.0 150.0 2003 69.0 113.0 113.0 78.0 254.0 53.0 174.0 50.0 486.0 19.0 131.0 (11.0) (1.0) (1.0) (16.0) 0.0 16.0 119.0 12.0 11.0 437.0 85.0 242.0 1,325.0 163.0 (221.0) 49.0 492.0 46.0 368.0 Accounts Receivable Inventories Prepaid Expenses Other Assets Accounts Payable Accrued Expenses Payable/Accrued Taxes Payable Other Liabilities Other Changes, Net Other Assets & Liabilities, Net Other Operating, Net Net Cash from Operating Activities Plus: Interest Expense X (1-Tax Rate) Less Investment In Fixed Capital Free Cash Flow to the Firm (385.0) (76.0) (1,459.0) 1,494.0 (357.0) (105.0) (2,666.0) 1,611.0 (121.0) (64.0) (185.0) 328.0 (8.0) (45.0) (201.0) 297.0 (201.0) (11.0) (34.0) (30.0) 243.0 1,751.0 1,296.0 534.0 325.0 152.0 Absolute Valuation 5,470.0 0.0 986.0 4,484.0 2,220.0 0.0 657.0 1,563.0 2,535.0 0.0 260.0 2,275.0 934.0 2.2 176.0 760.2 289.0 5.9 174.0 120.9 Geometric Avg 147% E(FCFF) = FCFF2007 * (1+g)t E(FCFF) 2008 5,829.20 2009 7,577.96 2010 9,851.35 2011 12,806.75 2012 16,648.78 2013 21,643.41 PV(2007) K1: K2: 2008 5,129.85 5,389.42 2009 5,868.72 6,477.67 2010 6,714.01 7,785.66 2011 7,681.06 9,357.77 2012 8,787.39 11,247.32 2013 10,053.07 13,518.41 Sum 44,234.11 53,776.26 Absolute Valuation E(FCFF)2014 = FCFF20013 * (1+g) FCFF MODEL=E(FCFF1)/k-g Using k1 E(FCFF2014) 4484.000 est(IV2013)1 21859.846 est(IV2013)2 22076.280 est(IV2013)3 22292.714 est(IV2013)4 22509.148 est(IV2013)5 22725.582 est(IV2013)6 22942.016 est(IV2013)7 23158.450 est(IV2013)8 23374.884 est(IV2013)9 23591.319 est(IV2013)10 23807.753 est(IV2013)11 Using E(FCFF2014) 4484.000 21859.846 22076.280 22292.714 22509.148 22725.582 22942.016 23158.450 23374.884 23591.319 23807.753 k1 0.1363 0.1363 0.1363 0.1363 0.1363 0.1363 0.1363 0.1363 0.1363 0.1363 0.1363 k2 0.0816 0.0816 0.0816 0.0816 0.0816 0.0816 0.0816 0.0816 0.0816 0.0816 0.0816 g 0.00 0.01 0.02 0.03 0.04 0.05 0.06 0.07 0.08 0.09 0.1 g 0.00 0.01 0.02 0.03 0.04 0.05 0.06 0.07 0.08 0.09 0.1 est(IV2013) 32,898.019 173,078.746 189,821.838 209,715.088 233,739.855 263,332.354 300,681.733 349,297.894 415,184.449 509,531.719 655,860.956 est(IV2013) 54950.980 305305.107 358381.165 432029.339 541085.289 719163.992 1062130.382 1996418.135 14609302.800 -2808490.309 -1293899.604 est(IV2007) 15283.10891 80405.48963 88183.663 97425.27445 108586.2237 122333.7197 139684.7533 162269.8845 192878.1529 236708.1355 304686.8689 est(IV2007) 34322.22 190692.7 223843.8 269844.3 337960.3 449187.7 663403.5 1246957 9124927 -1754175 -808166 est(IV2013)1 est(IV2013)2 est(IV2013)3 est(IV2013)4 est(IV2013)5 est(IV2013)6 est(IV2013)7 est(IV2013)8 est(IV2013)9 est(IV2013)10 est(IV2013)11 Absolute Valuation Terminal Value Scenario One: 0 Growth Rate PV with 0 Growth Rate PV(2007) 2008 K1: 3,946.04 K2: 4,145.71 2009 3,472.62 3,832.94 2010 3,055.99 3,543.77 2011 2,689.35 3,276.41 2012 2,366.70 3,029.23 2013 2,082.76 2,800.69 Sum $17,613.45 $20,628.76 Firm Value Using 0 Growth Rate K1: E(Price 2007): $ K2: E(Price 2007): $ 36.99 61.79 Scenario Seven: 6% Growth Rate K1: E(Price 2007): $ 206.81 K2: E(Price 2007): $ 806.45 Scenario Eight: 7% Growth Rate K1: E(Price 2007): $ 232.21 K2: E(Price 2007): $ 1,462.65 Scenario Nine: 8% Growth Rate K1: E(Price 2007): $ 266.63 K2: E(Price 2007): $10,321.27 Scenario Ten: 9% Growth Rate K1: E(Price 2007): $ 315.91 K2: E(Price 2007): $ (1,912.06) Scenario two: 1% Growth Rate K1: E(Price 2007): $ 140.15 K2: E(Price 2007): $ 274.90 Scenario Three: 2% Growth Rate K1: E(Price 2007): $ 148.90 K2: E(Price 2007): $ 312.18 Scenario Four: 3% Growth Rate K1: E(Price 2007): $ 159.29 K2: E(Price 2007): $ 363.90 Scenario Five: 4% Growth Rate K1: E(Price 2007): $ 171.84 K2: E(Price 2007): $ 440.50 Scenario Six: 5% Growth Rate K1: E(Price 2007): $ 187.30 K2: E(Price 2007): $ 565.57 Scenario Eleven: 10% Growth Rate K1: E(Price 2007): $ 392.35 K2: E(Price 2007): $ (848.30) Absolute Valuation Recommendation Buy 100 Shares

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