Net Present Value Buy Versus Lease: CPA Simulation

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  • Опубліковано 18 гру 2024

КОМЕНТАРІ • 2

  • @Jthaker
    @Jthaker 4 місяці тому

    I think you are comparing wrong result i.e Buy NPV came at $67k where as NPV of buying you have shown is $76k

  • @brianmaturi8968
    @brianmaturi8968 7 місяців тому

    This video gives the wrong answer. He is comparing a valuation for buying the equipment using the full cost of capital for the business (8% in his example), with the implicit interest rate included in the lease which is in the nature of a secured loan. The valid comparison compares the cost of borrowing the same amount using a loan secured using the asset. Modigliani and Miller's theory tells us that both leasing and borrowing will affect the cost of equity equally if they are equivalent. The smart decision here is to choose the option with lowest cost of borrowing. In addition you would need to carefully review the terms of the lease which could also have an impact. Usually leases have a pre determined terminal value whereas if buying the market value is the terminal value. The pre determined value in the lease creates an option. If at the end of the lease the buy out is less than the market value, then there is an advantage to buying it out. If the value is greater than market value then you can decline the buy out and buy the equivalent asset on the open market at a lower cost. This of course assumes no frictional costs.
    Another way to think about this is that WACC (8%) includes the entire risk of the buiness. The risk being taken by the lessor is much lower as he is leasing an asset with full collateral. What we are comparing here are two alternative financing options not the economic benefit from operating the asset which is the same whether we lease or buy.