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Microlesson · 5-min read

Cash Flow Estimation Principles - Exclusion of Financing Costs & Post-tax

## Cash Flow Estimation Principles

### G. Exclusion of Financing Costs Principle

When defining cash flows relating to long-term funds, financing costs of long-term funds must be excluded from the analysis. These costs are:

  • Interest on long-term debt
  • Equity dividends

Why? Interest and dividend payments are already captured in the Weighted Average Cost of Capital (WACC), which is the discount rate. If you also deduct them while computing the cash flows, the cost of long-term funds is counted twice.

In practice this means:

  • Interest on long-term debt is ignored while computing profits and taxes.
  • Expected dividends are irrelevant to cash flow analysis.

### H. Post-tax Principle

Cash flows must be defined in post-tax terms - tax payments, like any other payment, must be deducted.

> Both the cash flows and the discount rate must be post-tax. Never mix a pre-tax rate with post-tax flows.

### Computing Cash Inflow After Tax (CFAT)

```

Sales value

Less: Variable Cost

= Contribution

Less: Fixed Cost

(a) Fixed Cash Cost (excluding Interest)

(b) Depreciation

= Earning Before Tax (EBT)

Less: Tax

= Earning After Tax (EAT)

Add: Depreciation

= Cash Inflow After Tax (CFAT)

```

Depreciation is deducted to capture the tax shield, then added back because it is a non-cash item.

⚠️ Common exam mistakes

  • Deducting interest on long-term debt while computing project cash flows - this double-counts the cost of funds (already in WACC).
  • Including equity dividends as a cash outflow in project appraisal.
  • Discounting post-tax cash flows with a pre-tax discount rate (or vice versa) - both must be post-tax.
  • Forgetting to add depreciation back after tax when computing CFAT.
  • Retaining the interest tax shield in CFAT - since interest itself is excluded, its tax shield must be ignored too.
Reference:
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