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Stock Fair Value Calculator

Calculate what any stock is worth using Discounted Cash Flow (DCF) analysis. We pre-fill the latest financials so you can model fair value in seconds. Then adjust every assumption.

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Browse Fair Value Analyses

Pre-calculated DCF valuations updated daily. Click to explore the full analysis.

AAPL logo

AAPL

Apple

Price

$259.88

Fair Value

$196

↓ 25%

Buying at $259.88 would yield 4% annually if Operating Cash Flow grows from $135.5B to $174.7B over 5 years
ADBE logo

ADBE

Adobe

Price

$282.44

Fair Value

$363

↑ 29%

Buying at $282.44 would yield 19.7% annually if Free Cash Flow grows from $9.9B to $12.3B over 3 years
GOOG logo

GOOG

Google

Price

$306.01

Fair Value

$316

↑ 3%

Buying at $306.01 would yield 10.7% annually if Operating Cash Flow grows from $164.7B to $278.8B over 5 years
MSFT logo

MSFT

Microsoft

Price

$409.41

Fair Value

$593

↑ 45%

Buying at $409.41 would yield 17% annually if Operating Cash Flow grows from $160.5B to $298B over 6 years
PYPL logo

PYPL

PayPal

Price

$46.16

Fair Value

$77

↑ 68%

Buying at $46.16 would yield 15.8% annually if Operating Cash Flow grows from $6.4B to $10.9B over 10 years
TSLA logo

TSLA

Tesla

Price

$398.68

Fair Value

$212

↓ 47%

Buying at $398.68 would yield -3.1% annually if Operating Cash Flow grows from $14.7B to $30.2B over 5 years
META logo

META

Meta

Price

$647.39

Fair Value

$648

↑ 0%

Buying at $647.39 would yield 10% annually if Free Cash Flow grows from $46.1B to $89.7B over 5 years
NVO logo

NVO

Novo Nordisk

Price

$39.78

Fair Value

$83

↑ 108%

Buying at $39.78 would yield 27.3% annually if Earnings grows from $15.9B to $25.6B over 5 years
NVDA logo

NVDA

NVIDIA

Price

$182.65

Fair Value

$272

↑ 49%

Buying at $182.65 would yield 19.1% annually if Operating Cash Flow grows from $102.7B to $267.1B over 5 years
JD logo

JD

JD.com

Price

$27.47

Fair Value

$12

↓ 56%

Buying at $27.47 would yield -6.8% annually if Operating Income grows from $533.4M to $814M over 5 years
AMZN logo

AMZN

Amazon

Price

$213.49

Fair Value

$295

↑ 38%

Buying at $213.49 would yield 17.3% annually if Operating Cash Flow grows from $139.5B to $246.3B over 5 years
HIMS logo

HIMS

Hims & Hers

Price

$22.16

Fair Value

$21

↓ 7%

Buying at $22.16 would yield 8.4% annually if Operating Cash Flow grows from $300M to $474.6M over 5 years
DUOL logo

DUOL

Duolingo

Price

$100.42

Fair Value

$207

↑ 106%

Buying at $100.42 would yield 27.1% annually if Operating Cash Flow grows from $387.8M to $760.3M over 5 years
CRM logo

CRM

Salesforce

Price

$198.79

Fair Value

$345

↑ 73%

Buying at $198.79 would yield 20.6% annually if Free Cash Flow grows from $14.4B to $25.6B over 6 years
PLTR logo

PLTR

Palantir

Price

$156.43

Fair Value

$62

↓ 60%

Buying at $156.43 would yield -8.6% annually if Operating Cash Flow grows from $2.1B to $7.1B over 5 years
TSM logo

TSM

TSMC

Price

$348.70

Fair Value

$373

↑ 7%

Buying at $348.70 would yield 11.5% annually if Earnings grows from $53.9B to $120.1B over 5 years
UNH logo

UNH

UnitedHealth

Price

$285.17

Fair Value

$339

↑ 19%

Buying at $285.17 would yield 13.9% annually if Earnings grows from $12.1B to $18.6B over 5 years
ASML logo

ASML

ASML

Price

$1,357.42

Fair Value

$1,461

↑ 8%

Buying at $1,357.42 would yield 11.6% annually if Operating Cash Flow grows from $14.7B to $27.5B over 5 years
UBER logo

UBER

Uber

Price

$73.84

Fair Value

$180

↑ 144%

Buying at $73.84 would yield 31.5% annually if Operating Cash Flow grows from $10.1B to $19.1B over 5 years

Updated March 9, 2026

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What is DCF Analysis?

Discounted Cash Flow (DCF) is a valuation method that estimates what a stock is truly worth based on its future earnings potential.

Instead of relying on market sentiment or analyst opinions, DCF answers a simple question: "Given my expectations for this company's growth, what's the maximum price I should pay today to achieve my target return?"

Value investors like Warren Buffett use DCF-style thinking to find stocks trading below their intrinsic value: stocks where the market price is less than what the company is actually worth.

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Frequently Asked Questions

What is a DCF calculator?
A DCF (Discounted Cash Flow) calculator estimates what a stock is worth today based on projections of future cash flows. It answers: "Given my growth expectations, what's the maximum I should pay to achieve my target return?" Stock Unlock's calculator pre-fills the latest financials so you can adjust growth rates, discount rates, and project 1-10 years forward.
How do I calculate a stock's fair value?
To calculate fair value: (1) Project the company's future earnings or cash flow based on a growth rate, (2) Estimate what the stock will be worth at the end of your projection period using a price multiple, (3) Discount that future value back to today using your required rate of return. Stock Unlock automates this using the latest financials from 70+ global exchanges.
What discount rate should I use for DCF?
The discount rate is your required annual return. Most individual investors use 10%, which represents the historical average stock market return. Use higher rates (12-15%) if you want more margin of safety or for riskier stocks. Lower rates (8%) result in higher fair values but require less upside. The discount rate reflects your personal expectations, not the company's characteristics.
What inputs does a DCF model need?
A DCF model needs: (1) A starting metric (choose from Free Cash Flow, Operating Cash Flow, Earnings, EBITDA, EBIT, Operating Income, or Book Value), (2) A growth rate projection for that metric, (3) A discount rate (your required return), (4) A terminal multiple to estimate future stock price, (5) A projection period (1-10 years). Stock Unlock pre-fills the latest financials and suggests growth rates based on historical performance so you can adjust everything.
Is DCF analysis reliable for valuing stocks?
DCF is a framework for thinking about value, not a prediction tool. Small changes in assumptions can significantly change results. Its value lies in forcing you to articulate your assumptions and test different scenarios. Run bull, bear, and base cases to understand the range of possibilities. Warren Buffett and other value investors use DCF-style thinking to identify stocks trading below intrinsic value.
What's the difference between fair value and analyst price targets?
Analyst price targets predict where the stock price will go (usually 12 months out) and are often influenced by market sentiment. DCF fair value tells you what to pay today to achieve a specific return over time, based purely on financial projections. Price targets are forecasts; fair value is a decision framework based on your own assumptions.

Disclaimer: This is not financial advice. DCF estimates depend on assumptions that may not reflect actual performance. Do your own research. Stock Unlock is not a brokerage.