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ISSUE 001SUMMER 2026

IBT-11INVESTMENT BANKING TECHNICAL CHAPTER 12 OF 13REVIEWED 2026-07-31

M&A valuation, consideration, and accretion or dilution

Translate a transaction into price, ownership, financing, purchase accounting, and per-share effects.

EPS accretion is a mechanical output, not proof that the deal creates value.

WHAT THIS CHAPTER TEACHES

  • Define unaffected price, offer price, diluted shares, equity purchase price, debt, cash, options, convertibles, and other claims.
  • Model cash, stock, and mixed consideration. Explain fixed and floating exchange ratios.
  • Estimate combined earnings after financing cost, foregone interest, synergies, purchase accounting, taxes, and new shares.
  • Explain goodwill, identifiable intangibles, amortization, and other purchase-accounting effects.
  • Test integration cost, regulatory risk, customer concentration, technology integration, and the buyer’s standalone alternative.

Transaction-value mechanics

Begin with the target’s unaffected share price, offer price, diluted shares, options, convertibles, and other equity claims. Calculate equity purchase price and enterprise-value impact. Distinguish the consideration paid to sellers from debt refinanced, fees, and total financing needs.

Cash consideration

Cash can come from buyer cash, new debt, asset sales, or a combination. The model should include lost interest income on cash, new interest expense, financing fees, leverage, and the effect on credit metrics and liquidity.

Stock consideration

Stock consideration uses an exchange ratio. A fixed exchange ratio exposes the buyer and seller to price movement differently from a fixed-value structure. Model new shares, pro forma ownership, dilution, and the share-price assumptions used at announcement and closing.

Mixed consideration

A mixed deal combines cash, stock, debt, rollover, contingent payments, or other securities. Build the consideration schedule separately from financing so the economics remain clear.

Sources and uses and transaction fees

Show purchase consideration, target debt refinancing, cash acquired, fees, financing, and buyer cash. Confirm that sources equal uses. Transaction fees affect cash and accounting differently from purchase price.

Purchase accounting

The buyer records acquired identifiable assets and liabilities at fair value, recognizes identifiable intangibles, deferred taxes, and goodwill, and may adjust inventory, fixed assets, debt, and other accounts. Intangible amortization and inventory step-up can reduce reported earnings after closing. Goodwill is generally not amortized under U.S. GAAP but is tested for impairment.

Synergies and integration cost

Revenue and cost synergies need timing, probability, implementation cost, and tax treatment. Don't include the full run-rate benefit on day one. Separate synergies controllable by the buyer from assumptions dependent on customers, regulators, or market conditions.

Accretion and dilution

Compare the buyer’s standalone EPS with pro forma EPS after consideration, financing, synergies, purchase accounting, taxes, and new shares. EPS accretion can result from using cheap debt or a high P/E buyer currency and doesn't prove value creation. A deal can be accretive and destroy value if the buyer overpays.

Ownership and value transfer

In a stock deal, seller shareholders become owners of the combined company. Analyze pro forma ownership, control, governance, voting, and the value transferred under different share prices.

Regulatory and closing risk

Antitrust, bank, foreign-investment, industry, shareholder, and other approvals can affect timing and remedies. Model delay, financing duration, divestitures, and the possibility of termination where material.

Board and fairness materials

Merger proxies and registration statements can describe negotiations, board process, forecasts, banker analyses, fairness opinions, conflicts, and alternatives. A fairness opinion addresses a defined financial question under stated assumptions; it isn't a guarantee that the transaction will succeed.

Strategic analysis

The model should be connected to why the transaction exists: market access, product, capacity, technology, cost, network, tax, capital, or defense. Evaluate alternatives, integration difficulty, customer and employee risk, and what the buyer could achieve independently.

CURRENT AS OF 2026-07-31

Current M&A pages should use the definitive proxy, S-4, merger agreement, approval announcements, and closing filings for transaction mechanics. Announcement value isn't a substitute for the full sources-and-uses and consideration analysis.

SOURCES

  1. 01SEC: How to Read a 10-K/10-Q
  2. 02SEC: Beginners Guide to Financial Statements
  3. 03SEC: Financial Statement Data Sets
  4. 04SEC: Form 10-Q
  5. 05SEC: Financial Reporting Manual
  6. 06SEC: SPAC compliance guide
  7. 07FINRA: Understanding Settlement Cycles
  8. 08Capital One: Discover announcement
  9. 09Capital One/Discover definitive proxy
  10. 10Capital One: Discover completion
  11. 11NYU Stern — Aswath Damodaran data and valuation resources
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