{"id":24739,"date":"2022-11-05T09:17:14","date_gmt":"2022-11-05T08:17:14","guid":{"rendered":"https:\/\/ginvest.es\/\/valoracio-quin-es-limport-del-teu-patrimoni\/"},"modified":"2023-06-23T09:46:41","modified_gmt":"2023-06-23T09:46:41","slug":"valoracio-quin-es-limport-del-teu-patrimoni","status":"publish","type":"post","link":"https:\/\/ginvest.es\/eus\/valoracio-quin-es-limport-del-teu-patrimoni\/","title":{"rendered":"Valoraci\u00f3 per suma de les parts. Quin \u00e9s l\u2019import del teu patrimoni?"},"content":{"rendered":"

 <\/p>\n

Quantes vegades t\u2019has preguntat quin \u00e9s el valor del teu patrimoni?<\/h3>\n

 <\/p>\n

Segurament que m\u00e9s d\u2019una vegada. L\u2019objectiu d\u2019aquest article \u00e9s ensenyar com valorar el total del teu patrimoni d\u2019una forma correcta, aix\u00ed com realitzar una correcta valoraci\u00f3 d\u2019un holding empresarial o una empresa amb unitats de negoci molt diferenciades.<\/p>\n

 <\/p>\n

Suma de parts; qu\u00e8 entenem per aix\u00f2?<\/h3>\n

 <\/p>\n

Despr\u00e9s d\u2019aprendre a valorar una empresa amb el m\u00e8tode de descompte de fluxos de caixa<\/a>, aix\u00ed com de dur a terme una valoraci\u00f3 per m\u00faltiples<\/a>, a continuaci\u00f3 aprofundirem amb el m\u00e8tode de valoraci\u00f3 SOTP<\/strong> (Sum of the parts), el qual ens ser\u00e0 m\u00e9s \u00fatil (i f\u00e0cil) per a valorar uns certs tipus de negocis.<\/p>\n

El m\u00e8tode de valoraci\u00f3 per suma de les parts<\/strong>, \u00e9s ideal per a aquelles empreses que tenen diverses unitats de negoci molt diferenciades (Amazon per exemple, t\u00e9 Amazon marketplace i AWS), aix\u00ed com holdings empresarials (conglomerats amb diferents participacions significatives en altres empreses) o de societats d\u2019inversi\u00f3 immobili\u00e0ria (Socimis).<\/p>\n

Farem una cosa senzilla perqu\u00e8 tots el puguem entendre. Imaginem que fa dos anys vam comprar un cotxe per 15.000 \u20ac a cr\u00e8dit. En l\u2019actualitat, el valor de mercat del cotxe \u00e9s de 8.500 \u20ac i ens queden per pagar 4.000 \u20ac del cr\u00e8dit. Al mateix temps, fa 10 anys vam comprar un pis, en el qual vivim avui, per 250.000 \u20ac. Evidentment, ens vam haver d\u2019hipotecar en el seu moment. A dia d\u2019avui el valor del pis \u00e9s de 300.000 \u20ac i el capital pendent de la nostra hipoteca \u00e9s de 80.000\u20ac. Per finalitzar, al compte bancari hi tenim ni m\u00e9s ni menys que 12.300 \u20ac i un fons d\u2019inversi\u00f3 per valor de 33.000 \u20ac. Amb tota aquesta informaci\u00f3, Quin \u00e9s el valor del meu patrimoni?<\/p>\n

 <\/p>\n

1) Valor dels actius<\/strong><\/h5>\n

En primer lloc, haurem d\u2019analitzar el valor dels actius en q\u00fcesti\u00f3. Quan diem que el valor de mercat del cotxe \u00e9s de 8.500 \u20ac o el valor del pis \u00e9s de 300.000 \u20ac, hem de tenir en compte diverses q\u00fcestions. Aquest mercat \u00e9s l\u00edquid? Dem\u00e0 podria vendre-ho per aquest import? Si la resposta \u00e9s s\u00ed, podr\u00edem valorar-ho per aquest import. Si \u00e9s que no, segurament haur\u00edem d\u2019aplicar un descompte per manca de liquiditat o, en alguns casos, un descompte per la impossibilitat de vendre uns certs actius (encara que tinguin valor).<\/p>\n

Com la situaci\u00f3 actual \u00e9s incerta, aplicarem un descompte manca de liquiditat per a valorar uns certs actius. Posem un 10%. El que aqu\u00ed diem \u00e9s que tot i que el valor de mercat del pis \u00e9s de 300.000\u20ac, si dem\u00e0 el volem vendre, potser no el venem. Per\u00f2 si ho posem a la venda per un 10% inferior, \u00e9s a dir 300.000\u20ac * 0,90 = 270.000\u20ac, llavors en un breu per\u00edode de temps s\u00ed que ens ho comprarien.<\/p>\n

Tenim que:<\/strong><\/p>\n

1.- Valor de mercat del cotxe = 8.500 \u20ac. Valor per a nosaltres descomptant la manca de liquiditat = 8.500 \u20ac * 0,90 = 7.650 \u20ac.<\/p>\n

2.- Valor de mercat del pis 300.000 \u20ac. Valor per a nosaltres descomptant la manca de liquiditat = 300.000 \u20ac * 0,90 = 270.000 \u20ac.<\/p>\n

 <\/p><\/blockquote>\n

D\u2019altra banda, tenim els nostres diners en compte corrent i el valor del nostre fons d\u2019inversi\u00f3 (que fluctua de manera di\u00e0ria). Aquests s\u00f3n actius l\u00edquids i amb valoraci\u00f3 di\u00e0ria, per la qual cosa no hem de fer cap ajust en la seva valoraci\u00f3.<\/p>\n

Amb tot aix\u00f2, el valor dels nostres actius \u00e9s el seg\u00fcent:
\n<\/strong><\/p>\n\n\n\n\n\n\n\n\n
\n

VALOR ACTIUS<\/span><\/strong><\/h4>\n<\/td>\n<\/tr>\n

Cotxe<\/td>\n\n

7.650,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

Pis<\/td>\n\n

270.000,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

Compte corrent<\/td>\n\n

12.300,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

Fons d\u2019inversi\u00f3<\/td>\n\n

33.000,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

\n

TOTAL<\/span><\/strong><\/h4>\n<\/td>\n

\n

322.950,00 \u20ac<\/span><\/strong><\/h4>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/h5>\n
2) Deute<\/strong><\/h5>\n

No tot \u00e9s sumar el nostre valor patrimonial. \u00c9s necessari tamb\u00e9 tenir en compte el deute per a saber el valor total del nostre patrimoni. Aqu\u00ed ens queden per pagar 4.000 \u20ac del cotxe i 80.000 \u20ac del pis.<\/p>\n

ULL! Hem de tenir clara la difer\u00e8ncia entre capital pendent i deute pendent. El deute pendent \u00e9s la suma de totes les quotes que ens falten per pagar. En cada quota (si parlem d\u2019un pr\u00e9stec franc\u00e8s) hi ha una part d\u2019interessos i una part de devoluci\u00f3 del capital. Pel que en el moment de calcular el nostre patrimoni hem de tenir en compte la part del capital que ens queda pendent. La part d\u2019interessos entraria com a despesa mensual, per\u00f2 com que el que estem fent \u00e9s una valoraci\u00f3 per suma de parts el nostre focus \u00e9s el Balan\u00e7 de situaci\u00f3 personal, aix\u00ed que de lo altre no parlarem.<\/p>\n

Si entenem els valors donats com a capital pendent, en el suposat cas de realitzar una amortitzaci\u00f3 total avui dia, el nostre deute restant \u00e9s de 84.000 \u20ac (4.000 \u20ac + 80.000<\/p>\n

 <\/p>\n

3) Patrimoni Net<\/h5>\n

Entendrem com el valor del nostre patrimoni net total la difer\u00e8ncia entre la valoraci\u00f3 dels nostres actius (descomptats per manca de liquiditat, falta de mercat o de control), menys el valor del nostre capital pendent. El resultat total seria el seg\u00fcent:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

PATRIMONI PERSONAL<\/span><\/strong><\/h4>\n<\/td>\n<\/tr>\n

Cotxe<\/td>\n\n

7.650,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

Pis<\/td>\n\n

270.000,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

Compte corrent<\/td>\n\n

12.300,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

Fons d\u2019inversi\u00f3<\/td>\n\n

33.000,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

\n

Valor Actius<\/span><\/strong><\/h4>\n<\/td>\n

\n

322.950,00 \u20ac<\/span><\/strong><\/h4>\n<\/td>\n<\/tr>\n

Deute cotxe<\/td>\n\n

4.000,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

Deute pis<\/td>\n\n

80.000,00 \u20ac<\/p>\n<\/td>\n<\/tr>\n

\n

Valor Deute<\/span><\/strong><\/h4>\n<\/td>\n

\n

84.000,00 \u20ac<\/span><\/strong><\/h4>\n<\/td>\n<\/tr>\n

\n

Valor Patrimoni<\/span><\/strong><\/h4>\n<\/td>\n

\n

238.950,00 \u20ac<\/span><\/strong><\/h4>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\nI, en l\u2019\u00e0mbit empresarial, com podem utilitzar aquest m\u00e8tode de valoraci\u00f3?<\/strong><\/h3>\n

 <\/p>\n

Evidentment, aquest m\u00e8tode no \u00e9s \u00fatil per a qualsevol empresa. Tal com hem comentat anteriorment, \u00e9s nom\u00e9s \u00fatil per a empreses amb unitats de negoci molt diferenciades, holdings empresarials i\/o fins i tot socimis (Societats d\u2019Inversi\u00f3 Immobili\u00e0ria). Per\u00f2\u2026 Com ho podem aplicar?<\/p>\n

1) Empreses amb unitats de negoci molt diferenciades<\/h5>\n

En aquest cas el que haur\u00edem de realitzar \u00e9s una valoraci\u00f3 de cadascun dels negocis, ja sigui per m\u00faltiples o per descompte de fluxos de caixa, per obtenir la valoraci\u00f3 de cada negoci. Cada negoci seria ent\u00e8s a tall d\u2019exemple, com el nostre cotxe i\/o pis.<\/p>\n

2) Holdings<\/em> empresarials<\/h5>\n

En el cas de tenir participades cotitzades, seria f\u00e0cil de realitzar una valoraci\u00f3 de cadascun dels actius del holding<\/em>, ja que seria el seu preu de mercat. \u00c9s a dir, si un holding<\/em> t\u00e9 el 10% d\u2019una empresa, i la seva capitalitzaci\u00f3 bors\u00e0ria \u00e9s de 100 milions d\u2019euros, el valor d\u2019aquest actiu per al holding seria de 10 milions. En aquest cas haur\u00edem de realitzar un ajust pels costos d\u2019estructura per a mantenir el holding<\/em> creat.<\/p>\n

3) Socimis<\/h5>\n

S\u2019hauria de realitzar un informe extern, actiu per actiu, per saber el valor total de tots els actius que dita Socimi t\u00e9 en cartera. En aquest tipus d\u2019empreses, aquest tipus de valoraci\u00f3 s\u00ed que t\u00e9 molt sentit i podem entendre de forma molt clara el valor de l\u2019empresa en global, descomptant el deute i la caixa. En certes situacions, com en l\u2019actual, el valor del seu patrimoni net varia molt de la seva capitalitzaci\u00f3 bors\u00e0ria, per la qual cosa ens indica que el mercat creu que els preus dels actius en q\u00fcesti\u00f3 s\u2019ajustaran. \u00c9s a dir, que els informes de valoraci\u00f3 dels actius, encara no reflecteixen el valor actual de mercat. O per al contrari, si no fos aix\u00ed, representaria una oportunitat per a l\u2019inversor.<\/p>\n

 <\/p>\n

Conclusi\u00f3<\/h3>\n

 <\/p>\n

\u00c9s important destacar que aquest m\u00e8tode de valoraci\u00f3 no pot utilitzar-se de forma a\u00efllada. La combinaci\u00f3 de diferents m\u00e8todes ens ajudar\u00e0 a establir un rang per a valorar una empresa de manera correcta. A m\u00e9s, amb tot aix\u00f2, no ens ser\u00e0 suficient com per a poder donar una opini\u00f3 exacta de la seva valoraci\u00f3. Per arribar a aix\u00f2, \u00e9s necessari entendre el model de negoci d\u2019aquesta empresa, la implicaci\u00f3 del seu equip directiu, les din\u00e0miques del sector en el qual opera i una infinitat de variables les quals ens farien arribar a una certa idea sobre el seu present, aix\u00ed com la seva evoluci\u00f3 futura i valoraci\u00f3 correcta.<\/p>\n

Com sempre, a curt termini el mercat pot tornar-se irracional i no actuar d\u2019acord a la realitat empresarial que viu una companyia. Tot i aix\u00ed, a llarg termini la racionalitat torna als inversors i llavors s\u00ed que el seu preu hauria de convergir amb el seu valor real, el qual requereix d\u2019un an\u00e0lisi exhaustiu.<\/p>\n

 <\/p>\n

 <\/p>\n

\"\"<\/p>\n

Miquel Cantenys<\/span><\/a><\/h3>\n
Gestor d\u2019inversions<\/h6>\n

 <\/p>\n

 <\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Quantes vegades t’has preguntat quin \u00e9s el valor del teu patrimoni?   Segurament que m\u00e9s d’una vegada. L’objectiu d’aquest article…<\/p>","protected":false},"author":11,"featured_media":24351,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-24739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"acf":[],"yoast_head":"\nValoraci\u00f3 per suma de les parts. 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