fair-value calculator // DCF · reverse DCF · GrahamFREE

What’s a stock actually worth?

Three classic estimates — a two-stage DCF, a reverse DCF, and the Graham number — computed from a company’s own SEC filings, with every assumption editable and every input shown. The opposite of a proprietary “fair value” you can’t check.

rlby · RELIABILITY INCFull workspace →
FAIR-VALUE RANGE
$0.94
CURRENT PRICE
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TWO-STAGE DCF
$0.94
8% growth for 10y, 2.5% terminal, 9% discount
GRAHAM NUMBERBenjamin Graham's ceiling for a cautious buyer: the highest share price his 1949 rule allows, at 15 times earnings and 1.5 times book value combined. A yardstick, not a forecast.
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√(22.5 × EPS × book value/share)
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FCF growth the current price implies for 10y.
YOUR ASSUMPTIONS — TWEAK ANYTHING
SENSITIVITY: DCF VALUE PER SHARE

Stage-1 growth down the side, discount rate across the top, with terminal growth at 2.5% and 10 years of stage 1. Every cell runs the same two-stage DCF as the card above, so moving a slider moves the grid.

Growth ↓ Discount →7%8%9%10%11%
4%1.020.830.700.600.53
6%1.200.970.810.700.61
8%1.401.130.940.810.70
10%1.651.321.100.940.81
12%1.931.541.281.080.94

Outlined: your current pair. No last close is on file, so no line is drawn.

THE INPUTS — FROM RLBY’S FILINGS, FY ENDING 2025-12-31
Free cash flow $1.8MShares 0.05BDiluted EPS $0.00Book value/share $0.14

Estimates, not targets. The DCF treats free cash flow as cash flow to equity and divides by shares (the common retail shortcut — it skips net debt and a full WACC), so it’s a sanity-check, not a valuation opinion. All inputs are from RLBY’s SEC filings; change any assumption above and the numbers update live. Educational only — not investment advice.

your saved valuations // stale when a newer filing changes an input

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A DCF is only as good as its assumptions — that’s exactly why every one here is yours to change. We treat free cash flow as cash flow to equity and divide by shares (the common retail shortcut; it skips net debt and a full WACC), so treat the output as a sanity-check range, not a valuation opinion. Inputs from SEC filings. Educational only — not investment advice.