What happens if I disagree with Opagio's valuation?

Full Explanation

Valuation is not a precise science — it depends on judgments about future cash flows, discount rates, useful lives, and market conditions. Opagio applies standard methodologies but the output is only as good as the assumptions you provide. If you disagree with a conclusion, the platform allows you to adjust key inputs: discount rates, growth rates, useful life, royalty rates, and CACs. Sensitivity analysis shows how each change affects valuations. This iterative approach helps you either validate your initial concerns (perhaps the asset is truly lower-value than expected) or identify which assumptions need to shift to align with your view. If you have strong evidence that Opagio's suggested assumptions (discount rate, useful life, etc.) are incorrect for your specific case, you should adjust them. Professional valuers do this constantly — they gather market evidence, make professional judgments, and defend their assumptions. Building trust in a financial technology platform requires more than strong encryption and compliance certifications. Users need to understand how the platform arrives at its outputs, what assumptions underlie its calculations, and where its limitations lie. Opagio addresses this through transparent methodology documentation, clear assumption labelling on every valuation output, and honest communication about where professional advice should supplement platform-generated analysis. This approach reflects a fundamental belief that informed users make better decisions.

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