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7月, 2025の投稿を表示しています

debt

SOS Balance Sheet SOS Financial Calculator START COPY TO CLIPBOARD

Bank and Stock

🔍 Explanation of the SX FormulaIn this calculator, the variable SX is a computed value representing an adjusted form of investment returns, influenced by the interest rate r and the time period TX. The formula used is: SX = (O3 - O2) / (1 - 0.95 * exp(-r * TX)) This value behaves in an important way: 🧠 As the interest rate r approaches zero, SX approaches the value of S — meaning the impact of interest diminishes and SX converges to the simpler result of S = B - (O × T). However, when the interest rate is higher, the influence of interest increases. This can cause SX to diverge significantly from the base value S, especially when r and TX are large. This divergence is meaningful. If we assume that interest rates and the investment target (e.g., a stock or a project) are in a competitive relationship, then such sensitivity is realistic. High interest rates often lead investors to favor interest-bearing assets over equities or speculative investments, causing price deviations...