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Money, Inc., has no debt outstanding and a total market value of $275,000. Earni

ID: 2713817 • Letter: M

Question

Money, Inc., has no debt outstanding and a total market value of $275,000. Earnings before interest and taxes, EBIT, are projected to be $21,000 if economic conditions are normal. If there is strong expansion in the economy, then EBIT will be 25 percent higher. If there is a recession, then EBIT will be 40 percent lower. Money is considering a $99,000 debt issue with an interest rate of 8 percent. The proceeds will be used to repurchase shares of stock. There are currently 5,000 shares outstanding. Ignore taxes for questions a and b. Assume the company has a market-to-book ratio of 1.0

Money, Inc., has no debt outstanding and a total market value of $275,000. Earnings before interest and taxes, EBIT, are projected to be $21,000 if economic conditions are normal. If there is strong expansion in the economy, then EBIT will be 25 percent higher. If there is a recession, then EBIT will be 40 percent lower. Money is considering a $99,000 debt issue with an interest rate of 8 percent. The proceeds will be used to repurchase shares of stock. There are currently 5,000 shares outstanding. Ignore taxes for questions a and b. Assume the company has a market-to-book ratio of 1.0. Calculate return on equity (ROE) under each of the three economic scenarios before any debt is issued. Calculate the percentage changes in ROE when the economy expands or enters a recession. Calculate the return on equity (ROE) under each of the three economic scenarios assuming the firm goes through with the recapitalization. Given the recapitalization, calculate the percentage changes in ROE when the economy expands or enters a recession.

Explanation / Answer

Money Inc. C1. Oustanding Shares                        5,000 Equity Value                   275,000 Recession Normal Expansion EBIT under different economic conditions                      12,600             21,000           26,250 ROE before debt issue= EBIT/Equity value 4.58% 7.64% 9.55% C2. % Change in ROE from Normal Recession -40% Expansion 25% C3. After recapitalization outstanding shares                        3,200 Equity Value                   176,000 Debt amount                      99,000 Interest @8%                        7,920 Recession Normal Expansion EBIT under different economic conditions                      12,600             21,000           26,250 Less interest                      (7,920)             (7,920)           (7,920) Income for Equity owners                        4,680             13,080           18,330 ROE before After debt issue= Earning for Equity owners/Equity value 2.66% 7.43% 10.41% C4. % Change in ROE from Normal Recession -64.2% Expansion 40.1%

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