A GP says patients are presenting with mental health problems because of stress they feel over their levels of personal debt.
According to Citizens Advice, north-east England has the second highest number of people who require professional…

A GP says patients are presenting with mental health problems because of stress they feel over their levels of personal debt.
According to Citizens Advice, north-east England has the second highest number of people who require professional…

Using the 2 Stage Free Cash Flow to Equity, Autoliv fair value estimate is US$156
Autoliv’s US$118 share price signals that it might be 25% undervalued
Analyst price target for ALV is US$139 which is 11% below our fair value estimate
Today we’ll do a simple run through of a valuation method used to estimate the attractiveness of Autoliv, Inc. (NYSE:ALV) as an investment opportunity by estimating the company’s future cash flows and discounting them to their present value. The Discounted Cash Flow (DCF) model is the tool we will apply to do this. Before you think you won’t be able to understand it, just read on! It’s actually much less complex than you’d imagine.
Remember though, that there are many ways to estimate a company’s value, and a DCF is just one method. If you still have some burning questions about this type of valuation, take a look at the Simply Wall St analysis model.
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We are going to use a two-stage DCF model, which, as the name states, takes into account two stages of growth. The first stage is generally a higher growth period which levels off heading towards the terminal value, captured in the second ‘steady growth’ period. To begin with, we have to get estimates of the next ten years of cash flows. Where possible we use analyst estimates, but when these aren’t available we extrapolate the previous free cash flow (FCF) from the last estimate or reported value. We assume companies with shrinking free cash flow will slow their rate of shrinkage, and that companies with growing free cash flow will see their growth rate slow, over this period. We do this to reflect that growth tends to slow more in the early years than it does in later years.
Generally we assume that a dollar today is more valuable than a dollar in the future, so we need to discount the sum of these future cash flows to arrive at a present value estimate:
|
2026 |
2027 |
2028 |
2029 |
2030 |
2031 |
2032 |
2033 |
2034 |
2035 |
|
|
Levered FCF ($, Millions) |
US$723.3m |
US$773.7m |
US$734.0m |
US$716.3m |
US$711.2m |
US$714.7m |
US$724.1m |
US$737.8m |
US$754.8m |
US$774.4m |
|
Growth Rate Estimate Source |
Analyst x13 |
Analyst x9 |
Analyst x1 |
Est @ -2.41% |
Est @ -0.71% |
Est @ 0.48% |
Est @ 1.32% |
Est @ 1.90% |
Est @ 2.31% |
Est @ 2.59% |
|
Present Value ($, Millions) Discounted @ 8.4% |
US$667 |
US$659 |
US$577 |
US$520 |
US$476 |
US$441 |
US$413 |
US$388 |
US$366 |
US$347 |
(“Est” = FCF growth rate estimated by Simply Wall St)
Present Value of 10-year Cash Flow (PVCF) = US$4.9b

The Indian basketball team was beaten 81-57 by Saudi Arabia in its second match of the FIBA World Cup 2027 Qualifiers at Chennai’s Jawaharlal Nehru Indoor Stadium on Sunday.
Muhammad-Ali Abdur-Rahkman scored a game-high 24 points for Saudi…

Working from home used to be an extraordinary concession in extraordinary times—namely, the Covid-19 pandemic that kept us all in our jammies for at least the better part of a year. While many of us have returned to the office to some extent, some vestiges remain. That includes the enduring popularity of at-home walking pads. They’re compact, affordable treadmills that you can slide under a standing desk to rack up some miles and improve your focus while you work.
I’m a recent convert, mainly because it’s so easy to just check if I broke 10,000 steps that day and hop on a walking pad for 20 minutes while watching some holiday rom-com. So it is with great pleasure that I report that our best walking pad, the Urevo CyberPad for Home, is now an unbelievable $139 off.
Unlike most affordable walking pads, the CyberPad has a 14 percent incline. That’s steep enough for a pretty solid workout, even if the speed does not exceed 4 mph. Reviewer Kristin Canning said that she found it smooth and responsive, and her knees didn’t hurt even after hours of walking. It also comes with a Bluetooth remote as well as an app (iOS, Android). You can control the pad with either, and it also has a display screen on the front of the pad that shows speed, incline, time, distance, and calories.
It also has some fun features that you might not see on other, even more expensive pads. With the app, you can control lights that run along the rails of the CyberPad. For well under $500, this is a sturdy, versatile addition to your home office.
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In 2025, Cyber Monday is on Dec. 1. It’s one of the best times of the year to score deep discounts on Nintendo Switch consoles, games, and accessories from major retailers like Best Buy, Walmart, and Amazon.

Jones, the No.3 seed in Playford, secured the women’s wildcard after a consistent three-week campaign that included a finals appearance in Sydney and a win in South Australia.
“No one really knew who was going to win [the wildcard], it was a…

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Airlines have averted the threat of major global travel disruption after rushing to fix a software glitch on Airbus A320 jets caused by intense solar radiation.
Carriers worked through Friday night and into the weekend after aviation regulators said they must fix the problem before resuming flights.
American Airlines, Delta Air Lines and Air India were among those that said they had completed software updates by Saturday, along with European low-cost operators Wizz Air and EasyJet.
Data from flight tracker FlightAware showed most big airports reporting good traffic flow, although some had minor problems.
In the US, where the glitch threatened to disrupt the busy Thanksgiving travel weekend, transportation secretary Sean Duffy said in a social media post on Saturday that carriers had “reported great progress” and were “on track to meet the deadline of this Sunday at midnight to complete the work”.
Some airlines, however, were harder hit. Colombia’s Avianca said on Friday that more than 70 per cent of its fleet was affected and that it was halting ticket sales until December 8.
In Asia, Japan’s ANA said on Sunday that it had completed the software updates on all the affected aircraft but that the work had resulted in a “significant number” of domestic flight delays and cancellations over the weekend. The carrier cancelled 95 flights on Saturday, affecting about 13,200 passengers.
Guillaume Faury, chief executive of Airbus, apologised to airline customers and passengers for the “significant logistical challenges and delays”. The manufacturer’s teams were “working round the clock” to enable carriers to “get planes back in the sky”, Faury wrote in a social media post on Saturday.
Airbus on Friday had warned that a “significant” number of its A320 family of aircraft, the world’s most widely flown commercial jet, needed an immediate software update after finding that intense solar flare radiation could corrupt data critical to the functioning of flight controls.
About 6,000 aircraft, half of the global fleet in service, were affected. Most of the jets have been able to undergo an uncomplicated software fix by reverting to a previous version — a process that takes about two to three hours. But about 900 aircraft require a change in hardware, which will take longer.
Airbus discovered the issue after a JetBlue Airways flight between the US and Mexico suffered a control problem and a sudden drop in altitude, which forced an emergency landing in Tampa, Florida.
The investigation traced the problem to a flight system that sends commands from the pilot’s sidestick to elevators at the rear of the plane. Those elevators control the aircraft’s pitch or nose angle.

Constitution contains provision for governor’s rule, but no one has spoken to me about this matter, says K-P governor
Governor K-P Faisal Karim Kundi. Photo: File

“Titanic” theme singer Celine Dion posted an inspirational holiday message on her Instagram account amid her ongoing health issues.
“Dear friends, today is a beautiful reminder to slow down, take a deep breath, and give thanks,” she said…