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From Greenhorn to Gold(wo)man — Chapter 10

Judgment and Adjustments

Valuation II: The Art of the Bridge
CHAPTER 10 OF 13
City of London

Haircut sits in the Skarn office on a Monday morning. Coffee black, cooling in a glass. An SBCI envelope arrives by courier: thick, glossy, 47 pages. Le Pitch's seal on the front. "Project Forge: Comprehensive Financial Analysis."

Haircut
"Tell me what matters in a 47-page pitchbook."
Associate (off-page)
"All of it, obviously."
Haircut
"Wrong."

He opens to page 3: company overview. Scans. Page 7: market analysis. Skim. Page 12: financial statements. Read. Page 31: adjustments and working capital. Study. The rest slides into the bin.

Every page after that is comfort. Comfort is expensive. Comfort is why SBCI's fees are higher than anyone else's, and why half their pitchbooks end up in recycling.

Haircut
"The bridge doesn't tie."
Associate
"I'll ask SBCI to recheck."
Haircut
"Don't ask. It never does on the first pass. The question is whether it's sloppiness or strategy. Call them. Ask about the adjustments on page 31. Every one. I want to know who approved each line."
By the end of this chapter, you will know why the adjustments matter more than the pitch, and why the numbers never add up on the first attempt.
01
Adjusted EBITDA in Practice

The fundamental valuation metric in PE is not reported EBITDA. It is adjusted EBITDA. Three words. Enormous impact.

The Adjustment Framework
Reported EBITDA
+ One-off items
= Base Adjusted EBITDA
+ Run-rate savings
= Pro Forma Adjusted EBITDA
Königshof FY24
From Reported to Adjusted EBITDA
Item€mType
Reported EBITDA15.9Baseline
Abusive related-party rent (FY23)+0.8One-off
CEO severance (FY24, replacement hired)+1.2One-off
Factory relocation costs+0.6One-off
Base Adjusted18.5
COO will cut €1.5m admin costs (FY25+)+1.5Run-rate
Pro Forma Adjusted EBITDA20.0Buyer's case

The story: Reported €15.9m looks modest. But strip one-offs and add achievable cost saves, and the "real" earning power is €20m. That is the number SBCI puts on page 31. That is the number buyers focus on. That is the number the valuation is built from.

Adjusted EBITDA is the battleground. Every addback is an argument. Every argument is a negotiation. The question is not "how much did you make?" but "how much could you make?"

02
The Adjustment Spectrum
Quality of Earnings Check
Three Zones of Credibility
Green: Clear
  • Documented one-offs
  • Non-recurring by definition
  • Auditor-approved
  • Examples: severance, legal settlements, asset sales
Amber: Judgment
  • Arguably non-recurring
  • Depends on management
  • Requires assumption
  • Examples: consulting projects, one-time IT spend
Red: Fiction
  • Recurring costs dressed as one-offs
  • Optimistic assumptions
  • Hard to defend
  • Examples: "always do this" listed as adjustment

The sell-side always stacks Green and Amber high, and hopes buyers don't dig into Red. Good financial sponsors dig. They hire QofE (Quality of Earnings) specialists — independent accountants whose job is to mark every adjustment red, then defend Green.

QofE Partner (on call)
"€1.5m COO savings. Who has signed the employment letter?"
Haircut
"No one. COO starts Monday."
QofE Partner
"We're marking it Amber. Achievable, not certain."
Haircut
"Fair. That's what I told SBCI. They sent it to buyers as Green."

Thirty seconds of silence.

03
Enterprise Value to Equity: The Bridge

Every M&A deal reduces to one equation. The simplest. The most misunderstood.

The Bridge Formula
EV + Cash − Debt = Equity
EV = what the whole business is worth
Equity = what shareholders get
The Bridge That Breaks Intuition
Königshof €100m EV → ? Equity
€m
Enterprise Value100.0
+ Cash on hand40.0
− Debt(0.0)
Equity Value140.0

The EV is €100m. But the shareholders (Wilhelm's family) get €140m. Why? Because the company is a cash machine. It generates cash. That cash is worth something. After paying off zero debt (there is none), the whole pie is Equity.

This is the cash-rich paradox: a business worth less than its equity value.

Trace
"So the EV is lower than the Equity? That's backwards."
Le Pitch
"Only if you think about it wrong. EV is the operating business. The machines, the sales, the EBITDA. It's worth €100m. Königshof also happens to sit on €40m in cash. That cash is not part of the operating business. It is part of what you get when you buy the company. So you pay €100m for the operations plus €40m of cash inside the company. Total paid to shareholders: €140m."
Trace
"But Skarn paid €110m, didn't they? For the operations?"
Le Pitch
"Yes. They negotiated the EV down to €110m. They left some of the cash in the balance sheet to pay down acquisition debt, and took the rest as a cash return. That is a separate negotiation: the working capital and cash adjustment. Page 31."
04
Working Capital True-Ups

The EV is one number. The price adjusts for what's inside the balance sheet on closing day. Working capital is the sword of Damocles.

Closing Adjustment
The €18m Inventory Trap
€mDays
Actual inventory (at closing)53.0600 DIO
Normal inventory for run-rate(35.0)(400 DIO)
Excess inventory18.0

The story: Königshof's factory is slow. Sales fell. Inventory piled up: €53m of harvesters in the yard. Normal operating inventory should be €35m. The excess €18m is cash tied up in product that will eventually sell.

At closing, Skarn negotiates a €18m price credit. They don't pay Wilhelm for the excess inventory. They will own it and sell it, eventually, into cash. That €18m was paid for, but not purchased by Skarn.

Wilhelm's Advisor
"If Skarn gets an €18m credit for inventory, that means the purchase price drops by €18m."
Le Pitch
"Correct. But only temporarily. In the deal, we negotiate a target level of working capital. Königshof must deliver working capital at that target level. If actual is higher, price drops. If actual is lower, Skarn pays more."
Wilhelm's Advisor
"So Wilhelm will get paid for the inventory eventually?"
Le Pitch
"He will get a credit at closing. That inventory sells down over FY25 and FY26, and Skarn keeps the cash. Working capital is where PE makes the real money: buying slow-moving balance sheets and extracting the cash."
05
IFRS 16: Leases on the Balance Sheet

From 2019, all operating leases moved onto the balance sheet. One line: the lease liability. Two implications: assets swell, debt swell. Valuation looks worse than it is.

Accounting Treatment
Subtrax Shoreditch Office Lease
Item£
Annual lease payment320,000
Lease term5 years
Discount rate (IFRS 16)8%
Right-of-use asset1,300,000
Lease liability (debt)1,300,000

Before IFRS 16, Subtrax's £320k annual lease was just an opex line item. Now it lives as a £1.3m liability. Result: when you calculate Net Debt, Subtrax looks more leveraged than before. EV/EBITDA looks worse. The valuation math changes without the economics changing.

Adjusting for this is standard: many adjustors eliminate the lease liability when calculating Enterprise Value.

Enterprise Value with/without Lease
EV (legacy) = Debt (excl. lease) − Cash
or
EV (modern) = Debt (incl. lease) − Cash
The difference is accounting, not economics.
06
Net Debt vs Gross Debt

Debt is not just debt. It is debt minus the cash you have to pay it off. The difference between gross and net is cash. And cash changes everything.

Debt Framework
Two Companies, Two Debt Stories
MetricKönigshofSubtrax
Bank debt€0.0m£0.0m
Gross Debt0.00.0
Less: Cash on hand(40.0)(0.5)
Net Debt(40.0)(0.5)

Königshof: negative net debt of €40m. The balance sheet is so strong that debt is negative. Zero borrowing + €40m cash = net cash position. This is the envy of private equity: a cash machine with fortress balance sheet.

Subtrax: negative net debt of £0.5m. After the processor freeze crisis, cash is thin. But still positive. The startup is not in danger, yet.

07
Quality of Earnings

Adjusted EBITDA is a number. Quality of earnings is a judgment. The sponsor's job: verify every adjustment. Trust no one. Verify again.

Standard Adjustments
What Quality of Earnings Covers
Related-party transactions
Clean out abusive pricing (e.g., selling to related party below market). Adjust to fair value.
One-time items
Severance, litigation, restructuring, asset sales. Must be documented, non-recurring.
Run-rate savings
Cost cuts already underway or committed. Must have board approval + signed employment offers.
Revenue normalization
If a customer left or will arrive, adjust base revenue. Build the "maintenance" case.
SG&A normalization
Owner's perks, excess corporate staff. What's truly needed to run the business?
Lease capitalization
IFRS 16: add back the P&L lease expense, treat as a balance sheet liability.
08
Interactive: EV to Equity Bridge
Build Your Own Bridge
Enterprise Value
100.0
+ Cash
40.0
− Debt
0.0
= EQUITY VALUE
140.0
Trace
"If I slide debt up to 50, equity becomes 90?"
Haircut
"Yes. That is leverage. You raise debt, you reduce equity."
Trace
"And if I have €60m cash instead of €40m?"
Haircut
"Equity becomes €160m. The EV stays the same — the operating business is worth the same. But the balance sheet is richer."
Trace
"So Königshof selling at €100m EV but €140m equity is not an accident."
Haircut
"It is the business model. Factories generate cash. Shareholders captured it. Skarn bought the businesses and inherited the cash."
09
Putting It Together: The Pitchbook Test
Page 31 of 47
Königshof Adjustment Checklist
Adjustment€mColorStatus
Reported EBITDA FY2415.9Baseline
Related-party rent (2023)+0.8🟢 GreenApproved
CEO severance+1.2🟢 GreenApproved
Factory relocation+0.6🟢 GreenApproved
COO cost saves+1.5🟡 AmberConditional
Pro Forma Adjusted20.0Submitted

Reality check: SBCI sent the full €20m to buyers. QofE marked the COO saves as Amber. Buyers used €18.5m as the valuation base (excluding COO). That is the number that matters when negotiating the price. Everything above is comfort.

Haircut and his associate sit in silence. Mark-up. Cross-out. Recalculate. The bridge has tied three times now, each iteration with fewer lines to defend.

Haircut
"The EV is the price. The equity is the story."
Associate
"What does that mean?"
Haircut
"It means: what you pay for the operating business is objective. EV. What you get to own — all of it, the machines and the cash and the balance sheet — that is subjective. That is the story. And the story, for once, is interesting."

He caps his pen. Not a Mont Blanc. He doesn't have pretensions. Just a pen that works. He stares at page 31 one more time, then pulls it from the stack and slides it across the table.

"This is all we need."

The numbers never add up on the first attempt. They add up because professionals spend a week questioning every adjustment until the story makes sense. That is valuation.
Simultaneous, four places

Würzburg: Wilhelm opens the offer letter from Skarn. The price: €110m EV, €40m cash left on the balance sheet, net €110m equity to his family. Thirty seconds to read. A lifetime to decide.

Shoreditch: Magda watches her bank account. The £1.3m processor hold is released. She can make payroll. She can pay suppliers. Subtrax lives another week.

Frankfurt: Le Pitch calls the IC to present. Dual-track achieved: one PE offer (Skarn €110m), one strategic bid from AGCO (€120m but with earn-outs). Let the auction begin.

City of London: Haircut closes his notebook. Page 31, marked and approved. He knows the number now: €110m. Whether the bid goes higher is leverage. Whether the adjustments hold is execution. Both are games, and both are won on this page.

Chapter 9 is the algebra of deals. Chapter 10 is where you use that algebra to move the world.

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