{"id":1391,"date":"2026-04-28T17:11:30","date_gmt":"2026-04-28T14:11:30","guid":{"rendered":"https:\/\/creddo.com\/fi\/?page_id=1391"},"modified":"2026-04-28T17:11:31","modified_gmt":"2026-04-28T14:11:31","slug":"laske-yrityksesi-arvo","status":"publish","type":"page","link":"https:\/\/creddo.com\/fi\/tyokalut-ja-mallit\/laske-yrityksesi-arvo\/","title":{"rendered":"Laske yrityksesi arvo"},"content":{"rendered":"\n<p>Oletko utelias, mik\u00e4 on yrityksesi todellinen arvo? Vai harkitsetko yritysostoa? Selvit\u00e4 se nopeasti ja helposti t\u00e4ll\u00e4 k\u00e4tev\u00e4ll\u00e4 ty\u00f6kalulla. Saat heti lis\u00e4\u00e4 n\u00e4kemyst\u00e4 ja voit ottaa luottavaisin mielin seuraavan askeleen.<\/p>\n\n\n\n<p>Laske suuntaa-antava yritysarvo toimialakertoimien ja taloudellisen profiilisi perusteella.<\/p>\n\n\n    <!-- Root container \u2014 all calculator markup is injected here by JS -->\n    <div id=\"creddo-calc-root-fi\"><\/div>\n\n    <!--\n      =======================================================================\n      CSS STYLES\n      =======================================================================\n      All styles are scoped to #creddo-calc-root-fi so they never leak into\n      the host WordPress theme.  The \"cw-\" prefix stands for \"Creddo Widget\".\n    -->\n    <style>\n      \/* ---- Reset: ensure consistent box model inside the widget ---- *\/\n      #creddo-calc-root-fi,\n      #creddo-calc-root-fi * {\n        box-sizing: border-box;\n      }\n\n      \/* ---- Root container: centered, max 960px, clean sans-serif ---- *\/\n      #creddo-calc-root-fi {\n        font-family: Arial, sans-serif;\n        color: #1a1a2e;\n        max-width: 960px;\n        margin: 0 auto;\n        line-height: 1.5;\n        -webkit-font-smoothing: antialiased;\n      }\n\n      \/* ---- Outer shell (wraps header + body + about section) ---- *\/\n      #creddo-calc-root-fi .cw-shell { width: 100%; }\n\n      \/* ---- Yellow banner at the top with rounded corners ---- *\/\n      #creddo-calc-root-fi .cw-header {\n        background: #FFCE00;          \/* Creddo brand yellow *\/\n        border-radius: 22px 22px 0 0; \/* Rounded top corners only *\/\n        padding: 32px 24px;\n        text-align: center;\n      }\n\n      \/* ---- Title text inside the yellow header ---- *\/\n      #creddo-calc-root-fi .cw-header-title {\n        margin: 0 auto;\n        max-width: 760px;\n        color: #004A6E; 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}\n\n      \/* ---- Section headings (form title, results title, about title) ---- *\/\n      #creddo-calc-root-fi .cw-section-title,\n      #creddo-calc-root-fi .cw-results-title,\n      #creddo-calc-root-fi .cw-about-title {\n        display: flex;\n        align-items: center;\n        gap: 10px;\n        margin: 0 0 22px 0;\n        color: #004A6E;\n        font-weight: 700;\n      }\n      #creddo-calc-root-fi .cw-section-title { font-size: 20px; }\n      #creddo-calc-root-fi .cw-results-title { font-size: 18px; }\n      #creddo-calc-root-fi .cw-about-title   { font-size: 16px; margin-bottom: 12px; }\n\n      \/* Teal-colored SVG icons next to section headings *\/\n      #creddo-calc-root-fi .cw-section-title svg,\n      #creddo-calc-root-fi .cw-results-title svg {\n        width: 22px; height: 22px; flex: 0 0 auto; color: #5CC4C4;\n      }\n\n      \/* ---- Form fields: each .cw-field is one input group ---- *\/\n      #creddo-calc-root-fi .cw-field { margin-bottom: 22px; }\n      #creddo-calc-root-fi .cw-field:last-child { margin-bottom: 0; }\n\n      \/* Field label text *\/\n      #creddo-calc-root-fi .cw-label {\n        display: block; margin: 0 0 8px 0;\n        font-size: 14px; font-weight: 700; color: #374151;\n      }\n\n      \/* Row that holds a label + an info (?) button side by side *\/\n      #creddo-calc-root-fi .cw-label-row {\n        display: flex; align-items: center; gap: 8px;\n        margin-bottom: 8px; flex-wrap: wrap;\n      }\n\n      \/* Wrapper for inputs that have a currency prefix like \"\u20ac\" *\/\n      #creddo-calc-root-fi .cw-input-wrap { position: relative; }\n\n      \/* The \"\u20ac\" currency symbol shown inside the input field *\/\n      #creddo-calc-root-fi .cw-currency-prefix {\n        position: absolute;\n        left: 14px; top: 50%; transform: translateY(-50%);\n        color: #9ca3af; font-weight: 600; font-size: 15px;\n        pointer-events: none; \/* Click passes through to the input behind it *\/\n      }\n\n      \/* ---- Text inputs and select dropdowns share base styling ---- *\/\n      #creddo-calc-root-fi .cw-input,\n      #creddo-calc-root-fi .cw-select {\n        display: block; width: 100%; min-height: 48px;\n        padding: 12px 16px;\n        border: 1px solid #d1d5db; border-radius: 12px;\n        background: #fafafa; color: #1a1a2e;\n        font-size: 15px; font-family: Arial, sans-serif; line-height: 1.2;\n        outline: none; box-shadow: none;\n      }\n\n      \/* Blue focus ring on inputs *\/\n      #creddo-calc-root-fi .cw-input:focus,\n      #creddo-calc-root-fi .cw-select:focus {\n        border-color: #2b7df6;\n        box-shadow: 0 0 0 3px rgba(43, 125, 246, 0.15);\n      }\n\n      #creddo-calc-root-fi .cw-input::placeholder { color: #9ca3af; }\n\n      \/* Extra left padding when a currency prefix is shown *\/\n      #creddo-calc-root-fi .cw-input-has-prefix { padding-left: 32px; }\n\n      \/* Custom dropdown arrow for <select> elements *\/\n      #creddo-calc-root-fi .cw-select {\n        appearance: none; -webkit-appearance: none; -moz-appearance: none;\n        background-image: url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='16' height='16' fill='%239ca3af' viewBox='0 0 16 16'%3E%3Cpath d='M4.5 6l3.5 4 3.5-4z'\/%3E%3C\/svg%3E\");\n        background-repeat: no-repeat;\n        background-position: right 14px center;\n        padding-right: 42px; cursor: pointer;\n      }\n\n      \/* ---- Growth rate slider ---- *\/\n      #creddo-calc-root-fi .cw-slider-container { padding-top: 4px; }\n      #creddo-calc-root-fi .cw-slider {\n        -webkit-appearance: none; appearance: none;\n        width: 100%; height: 6px; border-radius: 999px;\n        background: #e5e7eb; outline: none; cursor: pointer;\n      }\n      \/* Slider thumb (the draggable circle) \u2014 WebKit browsers *\/\n      #creddo-calc-root-fi .cw-slider::-webkit-slider-thumb {\n        -webkit-appearance: none; appearance: none;\n        width: 24px; height: 24px; border-radius: 50%;\n        background: #2b7df6; border: 3px solid #ffffff;\n        box-shadow: 0 2px 8px rgba(0,0,0,0.18); cursor: pointer;\n      }\n      \/* Slider thumb \u2014 Firefox *\/\n      #creddo-calc-root-fi .cw-slider::-moz-range-thumb {\n        width: 24px; height: 24px; border-radius: 50%;\n        background: #2b7df6; border: 3px solid #ffffff;\n        box-shadow: 0 2px 8px rgba(0,0,0,0.18); cursor: pointer;\n      }\n      \/* Labels under the slider (0%, 50%, 100%) *\/\n      #creddo-calc-root-fi .cw-slider-labels {\n        display: flex; justify-content: space-between;\n        margin-top: 8px; font-size: 12px; color: #9ca3af;\n      }\n      \/* Bold teal number showing current growth value *\/\n      #creddo-calc-root-fi .cw-growth-value { color: #004A6E; font-weight: 700; }\n\n      \/* ---- Profitability button group (3 buttons in a row) ---- *\/\n      #creddo-calc-root-fi .cw-btn-group {\n        display: grid;\n        grid-template-columns: repeat(3, minmax(0, 1fr));\n        gap: 12px; width: 100%;\n      }\n      \/* Individual profitability button (Tappio \/ Nollatulos \/ Voitto) *\/\n      #creddo-calc-root-fi .cw-btn-option {\n        display: inline-flex; align-items: center; justify-content: center;\n        width: 100%; min-height: 48px; padding: 12px 10px;\n        border: 1px solid #cbd5e1 !important; border-radius: 12px;\n        background: #ffffff !important;\n        color: #6b7280 !important;\n        -webkit-text-fill-color: #6b7280 !important;\n        opacity: 1 !important;\n        font-size: 15px; font-weight: 700;\n        font-family: Arial, sans-serif; line-height: 1.2;\n        text-align: center; white-space: nowrap;\n        cursor: pointer; transition: all 0.2s ease; box-shadow: none;\n      }\n      \/* Hover\/focus state for profitability buttons *\/\n      #creddo-calc-root-fi .cw-btn-option:hover,\n      #creddo-calc-root-fi .cw-btn-option:focus {\n        border-color: #94a3b8 !important;\n        background: #ffffff !important;\n        color: #4b5563 !important;\n        -webkit-text-fill-color: #4b5563 !important;\n        opacity: 1 !important; outline: none;\n      }\n      \/* Active (selected) state \u2014 blue background, white text *\/\n      #creddo-calc-root-fi .cw-btn-option.cw-active {\n        background: #2b7df6 !important;\n        color: #ffffff !important;\n        -webkit-text-fill-color: #ffffff !important;\n        border-color: #2b7df6 !important; opacity: 1 !important;\n        box-shadow: 0 4px 12px rgba(43, 125, 246, 0.3);\n      }\n      \/* Ensure button text inherits color from parent button *\/\n      #creddo-calc-root-fi .cw-btn-option span {\n        color: inherit !important;\n        -webkit-text-fill-color: inherit !important;\n        opacity: 1 !important;\n      }\n\n      \/* ---- Info (?) tooltip button next to labels ---- *\/\n      #creddo-calc-root-fi .cw-info-btn {\n        display: inline-flex; align-items: center; justify-content: center;\n        width: 22px; height: 22px;\n        border: 1px solid #94a3b8; border-radius: 999px;\n        background: #ffffff; color: #004A6E !important;\n        cursor: pointer; padding: 0; flex: 0 0 auto; box-shadow: none;\n      }\n      #creddo-calc-root-fi .cw-info-btn:hover,\n      #creddo-calc-root-fi .cw-info-btn:focus {\n        border-color: #2b7df6; color: #2b7df6 !important; outline: none;\n      }\n      #creddo-calc-root-fi .cw-info-btn svg {\n        width: 14px; height: 14px; stroke: currentColor;\n      }\n\n      \/* ---- Expandable info box (hidden by default, shown on click) ---- *\/\n      #creddo-calc-root-fi .cw-info-box {\n        display: none; width: 100%; margin-top: 10px;\n        padding: 12px 14px; border-radius: 12px;\n        background: #eff6ff; border: 1px solid #bfdbfe;\n        color: #1e3a8a; font-size: 13px; line-height: 1.55;\n      }\n      \/* When the info box has the \"cw-open\" class, it becomes visible *\/\n      #creddo-calc-root-fi .cw-info-box.cw-open { display: block; }\n\n      \/* ---- Results sidebar panel ---- *\/\n      #creddo-calc-root-fi .cw-results {\n        background: #f8fafc; border: 1px solid #e5e7eb;\n        border-radius: 16px; padding: 26px;\n        height: fit-content; position: sticky; top: 24px;\n      }\n      \/* Placeholder text shown before the user enters any financial data *\/\n      #creddo-calc-root-fi .cw-empty {\n        color: #9ca3af; font-size: 15px; text-align: center;\n        line-height: 1.7; padding: 18px 10px 8px;\n      }\n\n      \/* ---- Midpoint valuation: big number in a dark teal gradient box ---- *\/\n      #creddo-calc-root-fi .cw-midpoint-box {\n        background: linear-gradient(135deg, #004A6E, #005f8a);\n        color: #ffffff; border-radius: 14px;\n        padding: 22px; text-align: center; margin-bottom: 22px;\n      }\n      #creddo-calc-root-fi .cw-midpoint-label {\n        font-size: 13px; font-weight: 700;\n        text-transform: uppercase; letter-spacing: 0.5px;\n        opacity: 0.88; margin-bottom: 8px;\n      }\n      #creddo-calc-root-fi .cw-midpoint-value {\n        font-size: 28px; font-weight: 700; line-height: 1.2;\n      }\n\n      \/* ---- Individual result rows (range, method, multiple, confidence) ---- *\/\n      #creddo-calc-root-fi .cw-result-row {\n        display: flex; justify-content: space-between;\n        align-items: flex-start; gap: 12px;\n        padding: 14px 0; border-bottom: 1px solid #e5e7eb;\n      }\n      #creddo-calc-root-fi .cw-result-row:last-child { border-bottom: none; }\n      #creddo-calc-root-fi .cw-result-label {\n        font-size: 13px; font-weight: 600; color: #6b7280; flex-shrink: 0;\n      }\n      #creddo-calc-root-fi .cw-result-value {\n        font-size: 14px; font-weight: 700; color: #1a1a2e;\n        text-align: right; word-break: break-word;\n      }\n\n      \/* ---- Confidence badge (Korkea \/ Keskitaso \/ Matala) ---- *\/\n      #creddo-calc-root-fi .cw-badge {\n        display: inline-block; padding: 4px 14px;\n        border-radius: 999px; font-size: 12px; font-weight: 700;\n        letter-spacing: 0.3px; text-transform: uppercase;\n      }\n      \/* Green badge for high confidence *\/\n      #creddo-calc-root-fi .cw-badge-high   { background: #d1fae5; color: #065f46; }\n      \/* Yellow badge for medium confidence *\/\n      #creddo-calc-root-fi .cw-badge-medium { background: #fef3c7; color: #92400e; }\n      \/* Red badge for low confidence *\/\n      #creddo-calc-root-fi .cw-badge-low    { background: #fee2e2; color: #991b1b; }\n\n      \/* ---- \"About this method\" footer section ---- *\/\n      #creddo-calc-root-fi .cw-about {\n        margin-top: 22px; padding: 22px 28px;\n        background: #f8fafc; border: 1px solid #e5e7eb;\n        border-radius: 16px;\n      }\n      #creddo-calc-root-fi .cw-about-text {\n        color: #6b7280; font-size: 14px; line-height: 1.7; margin: 0;\n      }\n\n      \/* ---- Mobile-specific overrides ---- *\/\n      @media (max-width: 480px) {\n        #creddo-calc-root-fi .cw-header {\n          padding: 22px 14px; border-radius: 14px 14px 0 0;\n        }\n        #creddo-calc-root-fi .cw-header-title { font-size: 16px; }\n        #creddo-calc-root-fi .cw-body {\n          padding: 18px 14px; gap: 22px;\n          border-radius: 0 0 14px 14px;\n        }\n        #creddo-calc-root-fi .cw-results {\n          padding: 20px 16px; border-radius: 14px;\n          position: static; \/* No sticky on mobile \u2014 would overlap content *\/\n        }\n        #creddo-calc-root-fi .cw-midpoint-value { font-size: 22px; }\n        #creddo-calc-root-fi .cw-about {\n          padding: 18px 16px; border-radius: 14px; margin-top: 16px;\n        }\n        #creddo-calc-root-fi .cw-about-title { font-size: 15px; }\n        #creddo-calc-root-fi .cw-about-text {\n          font-size: 13px; line-height: 1.65;\n        }\n      }\n    <\/style>\n\n    <!--\n      =======================================================================\n      JAVASCRIPT \u2014 Calculator Logic & DOM Rendering\n      =======================================================================\n      Written in ES5 for maximum browser compatibility (no transpiler needed).\n      Everything runs inside a DOMContentLoaded listener so the DOM is ready.\n    -->\n    <script>\n    document.addEventListener('DOMContentLoaded', function () {\n      \/\/ Get the root container element where we will inject all markup\n      var root = document.getElementById('creddo-calc-root-fi');\n\n      \/\/ Guard: if the root doesn't exist or was already initialized, exit.\n      \/\/ The data-initialized attribute prevents double-init if WordPress\n      \/\/ fires DOMContentLoaded more than once (e.g., AJAX page loads).\n      if (!root || root.dataset.initialized === '1') return;\n      root.dataset.initialized = '1';\n\n      \/\/ =====================================================================\n      \/\/ INDUSTRY MULTIPLES (M)\n      \/\/ =====================================================================\n      \/\/ Each key is an industry identifier (English, snake_case).\n      \/\/ Each value is an object with two properties:\n      \/\/   r = Revenue multiple (EV\/Revenue)\n      \/\/   e = EBITDA multiple  (EV\/EBITDA)\n      \/\/\n      \/\/ Source: Prof. Aswath Damodaran, NYU Stern (January 2024 dataset)\n      \/\/ Link:  https:\/\/pages.stern.nyu.edu\/~adamodar\/\n      \/\/\n      \/\/ These multiples represent median enterprise-value-to-revenue and\n      \/\/ enterprise-value-to-EBITDA ratios for publicly traded companies\n      \/\/ in each sector.  They serve as the BASE multiple before any\n      \/\/ adjustments for growth, age, or profitability are applied.\n      \/\/ =====================================================================\n      var M = {\n        advertising:              { r: 2.12, e: 12.00 },\n        aerospace_defense:        { r: 3.57, e: 21.58 },\n        air_transport:            { r: 1.03, e: 7.58  },\n        apparel:                  { r: 1.59, e: 10.30 },\n        auto_truck:               { r: 3.88, e: 47.76 },\n        auto_parts:               { r: 0.82, e: 6.43  },\n        bank_money_center:        { r: 8.31, e: 19.73 },\n        banks_regional:           { r: 4.28, e: 19.73 },\n        beverage_alcoholic:       { r: 2.45, e: 8.61  },\n        beverage_soft:            { r: 4.16, e: 16.90 },\n        broadcasting:             { r: 1.40, e: 7.85  },\n        brokerage:                { r: 5.78, e: 19.73 },\n        building_materials:       { r: 2.05, e: 11.61 },\n        business_consumer_services:{ r: 2.53, e: 14.26 },\n        cable_tv:                 { r: 2.06, e: 6.21  },\n        chemical_basic:           { r: 0.85, e: 8.57  },\n        chemical_diversified:     { r: 0.84, e: 8.39  },\n        chemical_specialty:       { r: 2.65, e: 13.36 },\n        coal:                     { r: 2.54, e: 10.37 },\n        computer_services:        { r: 1.48, e: 14.10 },\n        computers_peripherals:    { r: 6.63, e: 25.42 },\n        construction_supplies:    { r: 3.23, e: 16.82 },\n        diversified:              { r: 3.08, e: 11.42 },\n        drugs_biotech:            { r: 7.92, e: 15.78 },\n        drugs_pharma:             { r: 6.24, e: 15.25 },\n        education:                { r: 1.99, e: 9.26  },\n        electrical_equipment:     { r: 4.42, e: 24.59 },\n        electronics_consumer:     { r: 0.91, e: 30.70 },\n        electronics_general:      { r: 3.21, e: 19.99 },\n        engineering_construction: { r: 1.74, e: 17.18 },\n        entertainment:            { r: 4.33, e: 19.41 },\n        environmental_waste:      { r: 3.70, e: 15.61 },\n        farming_agriculture:      { r: 1.34, e: 16.04 },\n        financial_services:       { r: 18.91, e: 57.52 },\n        food_processing:          { r: 1.47, e: 10.01 },\n        food_wholesalers:         { r: 0.46, e: 11.08 },\n        furniture:                { r: 1.33, e: 11.27 },\n        green_energy:             { r: 7.87, e: 13.44 },\n        healthcare_products:      { r: 4.76, e: 19.78 },\n        healthcare_support:       { r: 0.46, e: 11.17 },\n        healthcare_infotech:      { r: 5.31, e: 21.27 },\n        homebuilding:             { r: 1.19, e: 8.92  },\n        hospitals:                { r: 1.69, e: 8.86  },\n        hotel_gaming:             { r: 4.33, e: 14.93 },\n        household_products:       { r: 3.06, e: 13.17 },\n        information_services:     { r: 2.21, e: 11.50 },\n        insurance_general:        { r: 4.32, e: 15.76 },\n        insurance_life:           { r: 1.28, e: 12.52 },\n        insurance_propcas:        { r: 1.49, e: 8.44  },\n        investments_asset:        { r: 5.49, e: 38.03 },\n        machinery:                { r: 3.43, e: 16.22 },\n        metals_mining:            { r: 4.03, e: 11.39 },\n        office_equipment:         { r: 1.43, e: 8.59  },\n        oil_gas_integrated:       { r: 1.75, e: 8.16  },\n        oil_gas_production:       { r: 2.68, e: 5.15  },\n        oil_gas_distribution:     { r: 4.37, e: 11.56 },\n        oilfield_services:        { r: 0.74, e: 8.63  },\n        packaging:                { r: 1.55, e: 9.71  },\n        paper_forest:             { r: 1.02, e: 8.18  },\n        power:                    { r: 4.70, e: 12.38 },\n        precious_metals:          { r: 5.98, e: 10.68 },\n        publishing:               { r: 1.70, e: 11.24 },\n        reit:                     { r: 10.65, e: 19.87 },\n        real_estate_dev:          { r: 3.03, e: 10.23 },\n        real_estate_general:      { r: 6.83, e: 17.29 },\n        real_estate_ops:          { r: 1.46, e: 21.95 },\n        recreation:               { r: 1.94, e: 10.39 },\n        reinsurance:              { r: 0.65, e: 8.67  },\n        restaurant:               { r: 4.17, e: 17.49 },\n        retail_automotive:        { r: 1.27, e: 14.79 },\n        retail_building:          { r: 2.26, e: 14.42 },\n        retail_distributors:      { r: 1.89, e: 13.71 },\n        retail_general:           { r: 2.11, e: 17.38 },\n        retail_grocery:           { r: 0.49, e: 8.94  },\n        retail_reits:             { r: 12.04, e: 16.73 },\n        retail_special:           { r: 1.63, e: 11.47 },\n        rubber_tires:             { r: 0.59, e: 6.74  },\n        semiconductor:            { r: 15.70, e: 34.75 },\n        semiconductor_equip:      { r: 7.61, e: 24.74 },\n        shipbuilding:             { r: 1.74, e: 7.95  },\n        shoe:                     { r: 2.04, e: 16.86 },\n        software_entertainment:   { r: 9.13, e: 22.01 },\n        software_internet:        { r: 9.56, e: 30.26 },\n        software_system:          { r: 11.41, e: 24.48 },\n        steel:                    { r: 1.17, e: 11.59 },\n        telecom_wireless:         { r: 3.72, e: 8.97  },\n        telecom_equipment:        { r: 6.52, e: 24.07 },\n        telecom_services:         { r: 2.61, e: 6.54  },\n        tobacco:                  { r: 6.40, e: 13.46 },\n        transportation:           { r: 1.64, e: 12.55 },\n        transportation_rail:      { r: 6.67, e: 13.49 },\n        trucking:                 { r: 1.74, e: 10.41 },\n        utility_general:          { r: 5.25, e: 13.73 },\n        utility_water:            { r: 7.16, e: 14.14 }\n      };\n\n      \/\/ =====================================================================\n      \/\/ INDUSTRY LABELS (LABELS)\n      \/\/ =====================================================================\n      \/\/ Maps each industry key to a FINNISH display name shown in the\n      \/\/ dropdown.  These are the customer-facing, user-interface strings.\n      \/\/ The keys match those in the M object above.\n      \/\/ =====================================================================\n      var LABELS = {\n        advertising:              \"Mainonta\",                                  \/\/ Advertising\n        aerospace_defense:        \"Ilmailu ja puolustus\",                      \/\/ Aerospace & Defense\n        air_transport:            \"Lentoliikenne\",                             \/\/ Air Transport\n        apparel:                  \"Vaatetus\",                                  \/\/ Apparel\n        auto_truck:               \"Autot ja kuorma-autot\",                     \/\/ Auto & Truck\n        auto_parts:               \"Autonosat\",                                 \/\/ Auto Parts\n        bank_money_center:        \"Pankit (suurpankit)\",                       \/\/ Banks (Money Center)\n        banks_regional:           \"Pankit (alueelliset)\",                      \/\/ Banks (Regional)\n        beverage_alcoholic:       \"Juomat (alkoholijuomat)\",                   \/\/ Beverages (Alcoholic)\n        beverage_soft:            \"Juomat (virvoitusjuomat)\",                  \/\/ Beverages (Soft Drinks)\n        broadcasting:             \"TV ja radio\",                               \/\/ Broadcasting\n        brokerage:                \"V\u00e4litys ja investointipankki\",              \/\/ Brokerage & Investment Banking\n        building_materials:       \"Rakennusmateriaalit\",                       \/\/ Building Materials\n        business_consumer_services:\"Yritys- ja kuluttajapalvelut\",             \/\/ Business & Consumer Services\n        cable_tv:                 \"Kaapeli-TV\",                                \/\/ Cable TV\n        chemical_basic:           \"Kemia (peruskemikaalit)\",                   \/\/ Chemicals (Basic)\n        chemical_diversified:     \"Kemia (monialainen)\",                       \/\/ Chemicals (Diversified)\n        chemical_specialty:       \"Kemia (erikoiskemikaalit)\",                 \/\/ Chemicals (Specialty)\n        coal:                     \"Hiili ja energia\",                          \/\/ Coal & Energy\n        computer_services:        \"Tietokonepalvelut\",                         \/\/ Computer Services\n        computers_peripherals:    \"Tietokoneet ja oheislaitteet\",              \/\/ Computers & Peripherals\n        construction_supplies:    \"Rakennustarvikkeet\",                        \/\/ Construction Supplies\n        diversified:              \"Monialayhti\u00f6t\",                             \/\/ Diversified\n        drugs_biotech:            \"L\u00e4\u00e4kkeet (bioteknologia)\",                  \/\/ Drugs (Biotech)\n        drugs_pharma:             \"L\u00e4\u00e4kkeet (farmasia)\",                       \/\/ Drugs (Pharmaceutical)\n        education:                \"Koulutus\",                                  \/\/ Education\n        electrical_equipment:     \"S\u00e4hk\u00f6laitteet\",                             \/\/ Electrical Equipment\n        electronics_consumer:     \"Elektroniikka (kulutus)\",                   \/\/ Electronics (Consumer)\n        electronics_general:      \"Elektroniikka (yleinen)\",                   \/\/ Electronics (General)\n        engineering_construction: \"Suunnittelu ja rakentaminen\",               \/\/ Engineering & Construction\n        entertainment:            \"Viihde\",                                    \/\/ Entertainment\n        environmental_waste:      \"Ymp\u00e4rist\u00f6 ja j\u00e4tehuolto\",                   \/\/ Environmental & Waste\n        farming_agriculture:      \"Maatalous\",                                 \/\/ Farming & Agriculture\n        financial_services:       \"Rahoituspalvelut\",                          \/\/ Financial Services\n        food_processing:          \"Elintarviketeollisuus\",                     \/\/ Food Processing\n        food_wholesalers:         \"Elintarvikkeiden tukkukauppa\",              \/\/ Food Wholesalers\n        furniture:                \"Huonekalut ja sisustus\",                    \/\/ Furniture & Home Furnishings\n        green_energy:             \"Vihre\u00e4 ja uusiutuva energia\",               \/\/ Green & Renewable Energy\n        healthcare_products:      \"Terveydenhuollon tuotteet\",                 \/\/ Healthcare Products\n        healthcare_support:       \"Terveydenhuollon tukipalvelut\",             \/\/ Healthcare Support Services\n        healthcare_infotech:      \"Terveydenhuollon IT\",                       \/\/ Healthcare Information Tech\n        homebuilding:             \"Asuntorakentaminen\",                        \/\/ Homebuilding\n        hospitals:                \"Sairaalat ja hoitolaitokset\",               \/\/ Hospitals & Healthcare\n        hotel_gaming:             \"Hotellit ja pelitoiminta\",                  \/\/ Hotels & Gaming\n        household_products:       \"Kotitaloustuotteet\",                        \/\/ Household Products\n        information_services:     \"Informaatiopalvelut\",                       \/\/ Information Services\n        insurance_general:        \"Vakuutus (yleinen)\",                        \/\/ Insurance (General)\n        insurance_life:           \"Vakuutus (henki)\",                          \/\/ Insurance (Life)\n        insurance_propcas:        \"Vakuutus (vahinko)\",                        \/\/ Insurance (Property\/Casualty)\n        investments_asset:        \"Sijoitukset ja varainhoito\",                \/\/ Investments & Asset Management\n        machinery:                \"Koneet\",                                    \/\/ Machinery\n        metals_mining:            \"Metallit ja kaivostoiminta\",                \/\/ Metals & Mining\n        office_equipment:         \"Toimistolaitteet ja palvelut\",              \/\/ Office Equipment & Services\n        oil_gas_integrated:       \"\u00d6ljy ja kaasu (integroitu)\",                \/\/ Oil\/Gas (Integrated)\n        oil_gas_production:       \"\u00d6ljy ja kaasu (tuotanto)\",                  \/\/ Oil\/Gas (Production)\n        oil_gas_distribution:     \"\u00d6ljy ja kaasu (jakelu)\",                    \/\/ Oil\/Gas (Distribution)\n        oilfield_services:        \"\u00d6ljykentt\u00e4palvelut ja -laitteet\",           \/\/ Oilfield Services & Equipment\n        packaging:                \"Pakkaukset ja s\u00e4ili\u00f6t\",                     \/\/ Packaging & Containers\n        paper_forest:             \"Paperi ja mets\u00e4teollisuus\",                 \/\/ Paper & Forest Products\n        power:                    \"Energia (s\u00e4hk\u00f6)\",                           \/\/ Power (Utilities)\n        precious_metals:          \"Jalometallit\",                              \/\/ Precious Metals\n        publishing:               \"Kustantaminen ja sanomalehdet\",             \/\/ Publishing & Newspapers\n        reit:                     \"Kiinteist\u00f6sijoitusyhti\u00f6t (REIT)\",           \/\/ Real Estate Investment Trusts\n        real_estate_dev:          \"Kiinteist\u00f6kehitys\",                         \/\/ Real Estate Development\n        real_estate_general:      \"Kiinteist\u00f6t (yleinen)\",                     \/\/ Real Estate (General)\n        real_estate_ops:          \"Kiinteist\u00f6t (palvelut)\",                    \/\/ Real Estate (Operations)\n        recreation:               \"Vapaa-aika\",                                \/\/ Recreation\n        reinsurance:              \"J\u00e4lleenvakuutus\",                           \/\/ Reinsurance\n        restaurant:               \"Ravintolat ja matkailu\",                    \/\/ Restaurants & Dining\n        retail_automotive:        \"V\u00e4hitt\u00e4iskauppa (autot)\",                   \/\/ Retail (Automotive)\n        retail_building:          \"V\u00e4hitt\u00e4iskauppa (rakentaminen)\",            \/\/ Retail (Building Supply)\n        retail_distributors:      \"V\u00e4hitt\u00e4iskauppa (jakelijat)\",               \/\/ Retail (Distributors)\n        retail_general:           \"V\u00e4hitt\u00e4iskauppa (yleinen)\",                 \/\/ Retail (General)\n        retail_grocery:           \"V\u00e4hitt\u00e4iskauppa (p\u00e4ivitt\u00e4istavarat)\",       \/\/ Retail (Grocery & Food)\n        retail_reits:             \"V\u00e4hitt\u00e4iskaupan REIT-yhti\u00f6t\",               \/\/ Retail REITs\n        retail_special:           \"V\u00e4hitt\u00e4iskauppa (erikoisliikkeet)\",         \/\/ Retail (Special Lines)\n        rubber_tires:             \"Kumi ja renkaat\",                           \/\/ Rubber & Tires\n        semiconductor:            \"Puolijohteet\",                              \/\/ Semiconductor\n        semiconductor_equip:      \"Puolijohdelaitteet\",                        \/\/ Semiconductor Equipment\n        shipbuilding:             \"Laivanrakennus ja merenkulku\",              \/\/ Shipbuilding & Marine\n        shoe:                     \"Jalkineet\",                                 \/\/ Shoe \/ Footwear\n        software_entertainment:   \"Ohjelmistot (viihde)\",                      \/\/ Software (Entertainment)\n        software_internet:        \"Ohjelmistot (internet)\",                    \/\/ Software (Internet)\n        software_system:          \"Ohjelmistot (j\u00e4rjestelm\u00e4 ja sovellus)\",     \/\/ Software (System & Application)\n        steel:                    \"Ter\u00e4s\",                                     \/\/ Steel\n        telecom_wireless:         \"Telekommunikaatio (langaton)\",              \/\/ Telecom (Wireless)\n        telecom_equipment:        \"Telekommunikaatiolaitteet\",                 \/\/ Telecom Equipment\n        telecom_services:         \"Telekommunikaatiopalvelut\",                 \/\/ Telecom Services\n        tobacco:                  \"Tupakka\",                                   \/\/ Tobacco\n        transportation:           \"Kuljetus\",                                  \/\/ Transportation\n        transportation_rail:      \"Kuljetus (rautatiet)\",                      \/\/ Transportation (Railroads)\n        trucking:                 \"Kuorma-autoliikenne\",                       \/\/ Trucking\n        utility_general:          \"Yleishy\u00f6dylliset yhti\u00f6t (yleinen)\",         \/\/ Utility (General)\n        utility_water:            \"Yleishy\u00f6dylliset yhti\u00f6t (vesi)\"             \/\/ Utility (Water)\n      };\n\n      \/\/ =====================================================================\n      \/\/ fmt(n) \u2014 Currency Formatter\n      \/\/ =====================================================================\n      \/\/ Formats a number as Euros (EUR) using the fi-FI locale.\n      \/\/ Example: fmt(1500000) \u2192 \"1 500 000 \u20ac\"\n      \/\/ Uses the browser's built-in Intl.NumberFormat for locale-aware\n      \/\/ thousand separators and currency symbols.\n      \/\/ =====================================================================\n      function fmt(n) {\n        return new Intl.NumberFormat('fi-FI', {\n          style: 'currency',\n          currency: 'EUR',\n          maximumFractionDigits: 0,\n          minimumFractionDigits: 0\n        }).format(n);\n      }\n\n      \/\/ =====================================================================\n      \/\/ calc() \u2014 Core Valuation Engine\n      \/\/ =====================================================================\n      \/\/ Parameters:\n      \/\/   industry      (string)  \u2014 key from the M object, e.g. \"software_internet\"\n      \/\/   age           (number)  \u2014 company age in years\n      \/\/   revenue       (number)  \u2014 annual revenue in EUR\n      \/\/   ebitda        (number)  \u2014 annual EBITDA in EUR (0 if unknown)\n      \/\/   growth        (number)  \u2014 annual growth rate as integer (0\u2013100)\n      \/\/   profitability (string)  \u2014 one of: \"profit\", \"loss\", \"breakeven\"\n      \/\/\n      \/\/ Returns an object with:\n      \/\/   min    (number) \u2014 low end of the valuation range (midpoint \u00d7 0.75)\n      \/\/   mid    (number) \u2014 midpoint valuation estimate\n      \/\/   max    (number) \u2014 high end of the valuation range (midpoint \u00d7 1.25)\n      \/\/   mult   (number) \u2014 the adjusted multiple that was applied\n      \/\/   method (string) \u2014 which method was used: \"EBITDA-kerroin\" or \"Liikevaihtokerroin\"\n      \/\/   conf   (string) \u2014 confidence level in Finnish: \"Korkea\", \"Keskitaso\", or \"Matala\"\n      \/\/\n      \/\/ STEP-BY-STEP LOGIC:\n      \/\/ 1. Look up the industry's base multiples (revenue r, EBITDA e).\n      \/\/ 2. Calculate three adjustment modifiers:\n      \/\/    a) Growth modifier (gm):\n      \/\/       - Baseline growth is 10%.  For every percentage point above 10,\n      \/\/         add 2% to the multiple.  Below 10, subtract 2%.\n      \/\/       - Formula: gm = 1 + (growth - 10) * 0.02\n      \/\/       - Example: 20% growth \u2192 gm = 1 + (20 - 10) * 0.02 = 1.20\n      \/\/    b) Profitability modifier (pm):\n      \/\/       - Profitable companies get a 15% premium   \u2192 pm = 1.15\n      \/\/       - Loss-making companies get a 25% discount \u2192 pm = 0.75\n      \/\/       - Break-even companies get no adjustment    \u2192 pm = 1.00\n      \/\/    c) Age modifier (am):\n      \/\/       - Companies < 3 years old: 15% discount    \u2192 am = 0.85\n      \/\/       - Companies 3\u20134 years old: 8% discount     \u2192 am = 0.92\n      \/\/       - Companies \u2265 5 years old: no discount     \u2192 am = 1.00\n      \/\/ 3. Choose base value and base multiple:\n      \/\/    - If EBITDA > 0, use EBITDA and the EBITDA multiple (more precise).\n      \/\/    - Otherwise, use Revenue and the Revenue multiple.\n      \/\/ 4. Adjusted multiple = baseMultiple \u00d7 gm \u00d7 pm \u00d7 am\n      \/\/ 5. Midpoint = baseValue \u00d7 adjustedMultiple\n      \/\/ 6. Range: low = midpoint \u00d7 0.75, high = midpoint \u00d7 1.25\n      \/\/ 7. Determine confidence based on which method was used and\n      \/\/    whether the adjusted multiple is reasonable (> 1.0).\n      \/\/ =====================================================================\n      function calc(industry, age, revenue, ebitda, growth, profitability) {\n        var d = M[industry];           \/\/ Look up the industry data\n        if (!d) return null;           \/\/ Unknown industry \u2014 abort\n\n        \/\/ Step 2a: Growth modifier \u2014 2% adjustment per point away from 10%\n        var gm = 1 + (growth - 10) * 0.02;\n\n        \/\/ Step 2b: Profitability modifier\n        var pm = profitability === 'profit' ? 1.15 : profitability === 'loss' ? 0.75 : 1.0;\n\n        \/\/ Step 2c: Age modifier \u2014 younger companies are riskier\n        var am = age < 3 ? 0.85 : age < 5 ? 0.92 : 1.0;\n\n        \/\/ Step 3: Choose EBITDA or Revenue as the valuation base\n        var useEbitda = ebitda > 0;\n        var baseMult = useEbitda ? d.e : d.r;     \/\/ Base multiple from Damodaran data\n        var baseVal  = useEbitda ? ebitda : revenue; \/\/ The financial figure to multiply\n\n        \/\/ Step 4: Apply all three modifiers to the base multiple\n        var adjMult = baseMult * gm * pm * am;\n\n        \/\/ Step 5 & 6: Calculate midpoint and \u00b125% range\n        var mid = baseVal * adjMult;\n        var lo  = mid * 0.75;          \/\/ Low  end of range\n        var hi  = mid * 1.25;          \/\/ High end of range\n\n        \/\/ Step 7: Determine confidence level\n        \/\/ - \"Korkea\" (High): EBITDA-based with a reasonable multiple (\u2265 1)\n        \/\/ - \"Keskitaso\" (Medium): Revenue-based with a reasonable multiple (\u2265 1)\n        \/\/   OR EBITDA-based with a very low multiple (< 1)\n        \/\/ - \"Matala\" (Low): Revenue-based with a very low multiple (< 1)\n        var conf;\n        if (useEbitda) {\n          conf = adjMult >= 1 ? 'Korkea' : 'Keskitaso';   \/\/ Finnish: High \/ Medium\n        } else {\n          conf = adjMult >= 1 ? 'Keskitaso' : 'Matala';   \/\/ Finnish: Medium \/ Low\n        }\n\n        return {\n          min:    lo,\n          mid:    mid,\n          max:    hi,\n          mult:   adjMult,\n          method: useEbitda ? 'EBITDA-kerroin' : 'Liikevaihtokerroin', \/\/ Finnish method name\n          conf:   conf\n        };\n      }\n\n      \/\/ =====================================================================\n      \/\/ SVG Icons (inline, no external dependencies)\n      \/\/ =====================================================================\n      \/\/ These are used next to labels and section headings for visual clarity.\n      var infoIcon  = '<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"16\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"8\" x2=\"12.01\" y2=\"8\"\/><\/svg>';\n      var chartIcon = '<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"18\" y1=\"20\" x2=\"18\" y2=\"10\"\/><line x1=\"12\" y1=\"20\" x2=\"12\" y2=\"4\"\/><line x1=\"6\" y1=\"20\" x2=\"6\" y2=\"14\"\/><\/svg>';\n      var buildIcon = '<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"2\" y=\"3\" width=\"20\" height=\"14\" rx=\"2\" ry=\"2\"\/><line x1=\"8\" y1=\"21\" x2=\"16\" y2=\"21\"\/><line x1=\"12\" y1=\"17\" x2=\"12\" y2=\"21\"\/><\/svg>';\n\n      \/\/ =====================================================================\n      \/\/ infoBlock() \u2014 Helper to create an info (?) button + expandable box\n      \/\/ =====================================================================\n      \/\/ Creates the HTML for a small circular \"?\" button that, when clicked,\n      \/\/ toggles a light-blue explanation box.  Used next to field labels to\n      \/\/ give users context without cluttering the interface.\n      \/\/\n      \/\/ Parameters:\n      \/\/   id   \u2014 unique DOM id for the info box (e.g. \"cw-info-ebitda\")\n      \/\/   text \u2014 the explanation text (in Finnish, since it's user-facing)\n      \/\/ =====================================================================\n      function infoBlock(id, text) {\n        return '<button type=\"button\" class=\"cw-info-btn\" aria-expanded=\"false\" data-info-target=\"' + id + '\">' + infoIcon + '<\/button>' +\n               '<div class=\"cw-info-box\" id=\"' + id + '\">' + text + '<\/div>';\n      }\n\n      \/\/ =====================================================================\n      \/\/ Build the industry dropdown <option> list\n      \/\/ =====================================================================\n      \/\/ Sort industry keys alphabetically by their FINNISH label (using\n      \/\/ fi locale collation) so that \"\u00c4\" and \"\u00d6\" sort correctly.\n      var keys = Object.keys(LABELS).sort(function(a, b) {\n        return LABELS[a].localeCompare(LABELS[b], 'fi');\n      });\n      var opts = '';\n      for (var i = 0; i < keys.length; i++) {\n        opts += '<option value=\"' + keys[i] + '\">' + LABELS[keys[i]] + '<\/option>';\n      }\n\n      \/\/ =====================================================================\n      \/\/ RENDER THE FULL UI\n      \/\/ =====================================================================\n      \/\/ All user-facing text below is in FINNISH.\n      \/\/ The layout: header \u2192 body (form + results sidebar) \u2192 about footer.\n      \/\/ =====================================================================\n      root.innerHTML =\n        '<div class=\"cw-shell\">' +\n          \/\/ ---- Yellow header banner ----\n          '<div class=\"cw-header\">' +\n            '<h2 class=\"cw-header-title\">Laske yrityksesi arvo toimialakohtaisilla kertoimilla, jotka perustuvat NYU Sternin tutkimukseen<\/h2>' +\n          '<\/div>' +\n\n          '<div class=\"cw-body\">' +\n            \/\/ ---- Left column: input form ----\n            '<div class=\"cw-form\">' +\n              '<div class=\"cw-section-title\">' + chartIcon + ' Yrityksen tiedot<\/div>' +\n\n              \/\/ Industry dropdown\n              '<div class=\"cw-field\">' +\n                '<div class=\"cw-label-row\">' +\n                  '<label class=\"cw-label\" style=\"margin-bottom:0;\">Toimiala<\/label>' +\n                  infoBlock('cw-info-industry', 'Valitse toimiala, joka parhaiten vastaa yrityksesi p\u00e4\u00e4liiketoimintaa. Jokaisella toimialalla on omat arvostuskertoimensa, jotka perustuvat markkinastandardeihin ja prof. Aswath Damodaranin (NYU Stern) tutkimukseen.') +\n                '<\/div>' +\n                '<select id=\"cw-industry\" class=\"cw-select\">' + opts + '<\/select>' +\n              '<\/div>' +\n\n              \/\/ Company age\n              '<div class=\"cw-field\">' +\n                '<div class=\"cw-label-row\">' +\n                  '<label class=\"cw-label\" style=\"margin-bottom:0;\">Yrityksen ik\u00e4 (vuosia)<\/label>' +\n                  infoBlock('cw-info-age', 'Yrityksen ik\u00e4 vaikuttaa koettuun riskiin. Alle 3-vuotiaat yritykset saavat 15 %:n alennuksen kertoimesta, 3\u20134-vuotiaat 8 %:n alennuksen, ja 5 vuotta tai vanhemmat yritykset arvostetaan t\u00e4ydell\u00e4 kertoimella.') +\n                '<\/div>' +\n                '<input id=\"cw-age\" type=\"number\" min=\"0\" class=\"cw-input\" placeholder=\"esim. 5\">' +\n              '<\/div>' +\n\n              \/\/ Annual revenue (EUR)\n              '<div class=\"cw-field\">' +\n                '<div class=\"cw-label-row\">' +\n                  '<label class=\"cw-label\" style=\"margin-bottom:0;\">Vuotuinen liikevaihto (EUR)<\/label>' +\n                  infoBlock('cw-info-revenue', 'Sy\u00f6t\u00e4 viimeisin vuotuinen kokonaisliikevaihtosi ilman arvonlis\u00e4veroa. Liikevaihto toimii arvostuksen pohjana, jos EBITDA-kentt\u00e4\u00e4 ei t\u00e4ytet\u00e4.') +\n                '<\/div>' +\n                '<div class=\"cw-input-wrap\">' +\n                  '<span class=\"cw-currency-prefix\">\u20ac<\/span>' +\n                  '<input id=\"cw-revenue\" type=\"text\" inputmode=\"numeric\" class=\"cw-input cw-input-has-prefix\" placeholder=\"esim. 500000\">' +\n                '<\/div>' +\n              '<\/div>' +\n\n              \/\/ EBITDA (EUR) \u2014 optional, gives more accurate result\n              '<div class=\"cw-field\">' +\n                '<div class=\"cw-label-row\">' +\n                  '<label class=\"cw-label\" style=\"margin-bottom:0;\">EBITDA (EUR)<\/label>' +\n                  infoBlock('cw-info-ebitda', 'EBITDA = tulos ennen korkoja, veroja, poistoja ja arvonalentumisia. Jos t\u00e4yt\u00e4t EBITDA-arvon, k\u00e4ytet\u00e4\u00e4n EBITDA-kerrointa liikevaihtokertoimen sijaan, mik\u00e4 yleens\u00e4 antaa tarkemman arvostuksen.') +\n                '<\/div>' +\n                '<div class=\"cw-input-wrap\">' +\n                  '<span class=\"cw-currency-prefix\">\u20ac<\/span>' +\n                  '<input id=\"cw-ebitda\" type=\"text\" inputmode=\"numeric\" class=\"cw-input cw-input-has-prefix\" placeholder=\"esim. 80000\">' +\n                '<\/div>' +\n              '<\/div>' +\n\n              \/\/ Growth rate slider (0\u2013100%)\n              '<div class=\"cw-field\">' +\n                '<label class=\"cw-label\">Vuotuinen kasvu: <span id=\"cw-growth-display\" class=\"cw-growth-value\">15 %<\/span><\/label>' +\n                '<div class=\"cw-slider-container\">' +\n                  '<input id=\"cw-growth\" type=\"range\" min=\"0\" max=\"100\" value=\"15\" class=\"cw-slider\">' +\n                  '<div class=\"cw-slider-labels\"><span>0 %<\/span><span>50 %<\/span><span>100 %<\/span><\/div>' +\n                '<\/div>' +\n              '<\/div>' +\n\n              \/\/ Profitability toggle buttons (Loss \/ Break-even \/ Profit)\n              '<div class=\"cw-field\">' +\n                '<label class=\"cw-label\">Kannattavuus<\/label>' +\n                '<div class=\"cw-btn-group\">' +\n                  '<button type=\"button\" class=\"cw-btn-option\" data-val=\"loss\"><span>Tappio<\/span><\/button>' +\n                  '<button type=\"button\" class=\"cw-btn-option\" data-val=\"breakeven\"><span>Nollatulos<\/span><\/button>' +\n                  '<button type=\"button\" class=\"cw-btn-option cw-active\" data-val=\"profit\"><span>Voitto<\/span><\/button>' +\n                '<\/div>' +\n              '<\/div>' +\n            '<\/div>' +\n\n            \/\/ ---- Right column: results sidebar ----\n            '<div class=\"cw-results\">' +\n              '<div class=\"cw-results-title\">' + buildIcon + ' Arvioitu yrityksen arvo<\/div>' +\n              '<div class=\"cw-empty\" id=\"cw-empty\">T\u00e4yt\u00e4 yrityksesi tiedot, niin saat arvostuksen.<\/div>' +\n              '<div id=\"cw-output\" style=\"display:none\"><\/div>' +\n            '<\/div>' +\n          '<\/div>' +\n\n          \/\/ ---- Footer: methodology disclaimer ----\n          '<div class=\"cw-about\">' +\n            '<div class=\"cw-about-title\">Tietoa t\u00e4st\u00e4 menetelm\u00e4st\u00e4<\/div>' +\n            '<p class=\"cw-about-text\">T\u00e4m\u00e4 laskuri k\u00e4ytt\u00e4\u00e4 arvostuskertoimia, jotka perustuvat prof. Aswath Damodaranin (NYU Stern) tutkimukseen. Kertoimia mukautetaan toimialasi, kasvuvauhdin, kannattavuuden ja yrityksen i\u00e4n mukaan. Kyseess\u00e4 on suuntaa-antava arvio, ei taloudellinen neuvonta.<\/p>' +\n          '<\/div>' +\n        '<\/div>';\n\n      \/\/ =====================================================================\n      \/\/ DOM References \u2014 cache all interactive elements for performance\n      \/\/ =====================================================================\n      var elIndustry      = root.querySelector('#cw-industry');       \/\/ Industry <select>\n      var elAge           = root.querySelector('#cw-age');            \/\/ Age <input>\n      var elRevenue       = root.querySelector('#cw-revenue');        \/\/ Revenue <input>\n      var elEbitda        = root.querySelector('#cw-ebitda');         \/\/ EBITDA <input>\n      var elGrowth        = root.querySelector('#cw-growth');         \/\/ Growth <range>\n      var elGrowthDisplay = root.querySelector('#cw-growth-display'); \/\/ Growth % display\n      var elEmpty         = root.querySelector('#cw-empty');          \/\/ \"Enter data\" placeholder\n      var elOutput        = root.querySelector('#cw-output');         \/\/ Results container\n      var profitBtns      = root.querySelectorAll('.cw-btn-option');  \/\/ Profitability buttons\n      var profitability   = 'profit';  \/\/ Default profitability state\n\n      \/\/ =====================================================================\n      \/\/ parseNum(el) \u2014 Extract a clean integer from an input element\n      \/\/ =====================================================================\n      \/\/ Strips everything except digits (removes commas, spaces, currency\n      \/\/ symbols, etc.) and returns an integer.  Returns 0 for empty inputs.\n      \/\/ =====================================================================\n      function parseNum(el) {\n        var v = el.value.replace(\/[^0-9]\/g, '');\n        return v === '' ? 0 : parseInt(v, 10);\n      }\n\n      \/\/ =====================================================================\n      \/\/ setupInfoButtons(scope) \u2014 Wire up all (?) toggle buttons in a scope\n      \/\/ =====================================================================\n      \/\/ Finds all .cw-info-btn elements inside the given scope element and\n      \/\/ adds click listeners.  When a button is clicked:\n      \/\/  1. Close all currently open info boxes (accordion behavior)\n      \/\/  2. If the clicked box was closed, open it; if open, leave all closed\n      \/\/ This is called once after initial render and again after each update()\n      \/\/ (because the results panel may contain new info buttons).\n      \/\/ =====================================================================\n      function setupInfoButtons(scope) {\n        var buttons = scope.querySelectorAll('.cw-info-btn');\n\n        for (var i = 0; i < buttons.length; i++) {\n          buttons[i].addEventListener('click', function() {\n            var targetId = this.getAttribute('data-info-target');\n            var box = scope.querySelector('#' + targetId);\n            if (!box) return;\n\n            var isOpen = box.classList.contains('cw-open');\n\n            \/\/ Close all info boxes first (only one can be open at a time)\n            var allBoxes = scope.querySelectorAll('.cw-info-box');\n            var allButtons = scope.querySelectorAll('.cw-info-btn');\n\n            for (var j = 0; j < allBoxes.length; j++) {\n              allBoxes[j].classList.remove('cw-open');\n            }\n            for (var k = 0; k < allButtons.length; k++) {\n              allButtons[k].setAttribute('aria-expanded', 'false');\n            }\n\n            \/\/ If this box was closed, open it now\n            if (!isOpen) {\n              box.classList.add('cw-open');\n              this.setAttribute('aria-expanded', 'true');\n            }\n          });\n        }\n      }\n\n      \/\/ =====================================================================\n      \/\/ update() \u2014 Main reactive loop\n      \/\/ =====================================================================\n      \/\/ Called whenever any input changes.  Reads all form values, runs the\n      \/\/ calc() function, and renders the results into the sidebar.\n      \/\/ If no revenue or EBITDA has been entered, shows the placeholder text.\n      \/\/ =====================================================================\n      function update() {\n        \/\/ Read current values from all form inputs\n        var industry = elIndustry.value;\n        var age      = parseNum(elAge) || 1;   \/\/ Default to 1 year if empty\n        var revenue  = parseNum(elRevenue);\n        var ebitda   = parseNum(elEbitda);\n        var growth   = parseInt(elGrowth.value, 10);\n\n        \/\/ Update the growth percentage display next to the slider label\n        elGrowthDisplay.textContent = growth + ' %';\n\n        \/\/ If the user hasn't entered any financial data yet, show placeholder\n        if (revenue <= 0 && ebitda <= 0) {\n          elEmpty.style.display  = 'block';\n          elOutput.style.display = 'none';\n          return;\n        }\n\n        \/\/ Run the valuation calculation\n        var r = calc(industry, age, revenue, ebitda, growth, profitability);\n        if (!r) return;\n\n        \/\/ Determine CSS class for the confidence badge color\n        \/\/ \"Korkea\" \u2192 green, \"Matala\" \u2192 red, anything else \u2192 yellow\n        var badgeClass = r.conf === 'Korkea' ? 'cw-badge-high'\n                       : r.conf === 'Matala' ? 'cw-badge-low'\n                       :                       'cw-badge-medium';\n\n        \/\/ Hide placeholder, show results\n        elEmpty.style.display  = 'none';\n        elOutput.style.display = 'block';\n\n        \/\/ Render the results panel HTML (all Finnish user-facing text)\n        elOutput.innerHTML =\n          \/\/ Big midpoint valuation box\n          '<div class=\"cw-midpoint-box\">' +\n            '<div class=\"cw-midpoint-label\">Keskiarvo<\/div>' +              \/\/ \"Midpoint \/ Average\"\n            '<div class=\"cw-midpoint-value\">' + fmt(r.mid) + '<\/div>' +\n          '<\/div>' +\n\n          \/\/ Valuation range row\n          '<div class=\"cw-result-row\">' +\n            '<span class=\"cw-result-label\">Arvohaarukka<\/span>' +           \/\/ \"Value range\"\n            '<span class=\"cw-result-value\">' + fmt(r.min) + ' \u2013 ' + fmt(r.max) + '<\/span>' +\n          '<\/div>' +\n\n          \/\/ Method used row\n          '<div class=\"cw-result-row\">' +\n            '<span class=\"cw-result-label\">Menetelm\u00e4<\/span>' +              \/\/ \"Method\"\n            '<span class=\"cw-result-value\">' + r.method + '<\/span>' +\n          '<\/div>' +\n\n          \/\/ Adjusted multiple row (with info tooltip)\n          '<div class=\"cw-result-row\">' +\n            '<div style=\"min-width:0; max-width:70%;\">' +\n              '<div class=\"cw-label-row\" style=\"margin-bottom:0;\">' +\n                '<span class=\"cw-result-label\" style=\"margin-bottom:0;\">Kerroin<\/span>' + \/\/ \"Multiple\"\n                infoBlock(\n                  'cw-info-multiple',\n                  'Kerroin on luku, jolla liikevaihto tai EBITDA kerrotaan yrityksen arvon arvioimiseksi. Mit\u00e4 houkuttelevampi toimialasi, kasvusi ja kannattavuutesi on, sit\u00e4 korkeampi kerroin.'\n                ) +\n              '<\/div>' +\n            '<\/div>' +\n            '<span class=\"cw-result-value\">' + r.mult.toFixed(2) + '\u00d7<\/span>' +\n          '<\/div>' +\n\n          \/\/ Confidence level row\n          '<div class=\"cw-result-row\">' +\n            '<span class=\"cw-result-label\">Luotettavuus<\/span>' +           \/\/ \"Confidence\"\n            '<span class=\"cw-result-value\"><span class=\"cw-badge ' + badgeClass + '\">' + r.conf + '<\/span><\/span>' +\n          '<\/div>';\n\n        \/\/ Re-wire info buttons inside the results panel (new ones were just rendered)\n        setupInfoButtons(root);\n      }\n\n      \/\/ =====================================================================\n      \/\/ Event Listeners \u2014 trigger update() on every input change\n      \/\/ =====================================================================\n\n      \/\/ Profitability button group \u2014 toggle active state and re-calculate\n      for (var b = 0; b < profitBtns.length; b++) {\n        profitBtns[b].addEventListener('click', function() {\n          \/\/ Remove \"active\" class from all buttons\n          for (var j = 0; j < profitBtns.length; j++) {\n            profitBtns[j].classList.remove('cw-active');\n          }\n          \/\/ Activate the clicked button and update the profitability state\n          this.classList.add('cw-active');\n          profitability = this.getAttribute('data-val');  \/\/ \"profit\", \"loss\", or \"breakeven\"\n          update();\n        });\n      }\n\n      \/\/ Standard input\/change listeners for all form fields\n      elIndustry.addEventListener('change', update);  \/\/ Dropdown selection changed\n      elAge.addEventListener('input', update);         \/\/ Age typed\/changed\n      elRevenue.addEventListener('input', update);     \/\/ Revenue typed\/changed\n      elEbitda.addEventListener('input', update);      \/\/ EBITDA typed\/changed\n      elGrowth.addEventListener('input', update);      \/\/ Growth slider dragged\n\n      \/\/ Wire up info buttons for the initial form render\n      setupInfoButtons(root);\n\n      \/\/ Run an initial calculation with default values\n      update();\n    });\n    <\/script>\n    \n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-t-st-menetelm-st\"><strong>T\u00e4st\u00e4 menetelm\u00e4st\u00e4<\/strong><\/h2>\n\n\n\n<p id=\"h-t-st-menetelm-st\">T\u00e4m\u00e4 laskuri k\u00e4ytt\u00e4\u00e4 arvostuskertoimia, jotka perustuvat professori Aswath Damodaranin (NYU Stern) tutkimukseen. Kertoimia mukautetaan toimialasi, kasvuprosenttisi, kannattavuutesi ja yrityksesi i\u00e4n perusteella. T\u00e4m\u00e4 on suuntaa-antava arvio, ei taloudellista neuvontaa.<\/p>\n\n\n\n<p><strong>Yritysarvostus: Hanki markkinoiden mukainen n\u00e4kemys heti<\/strong><br>Arvostusty\u00f6kalumme tarjoaa yritt\u00e4jille, sijoittajille ja yritysostoehdokkaille nopean, perustellun suuntaa-antavan yritysarvon. Ei mututuntumaa, vaan kansainv\u00e4lisesti tunnustettuihin Damodaran-kertoimiin perustuva laskelma.<\/p>\n\n\n\n<p><strong>Miten arvostus muodostuu<\/strong><br>Ty\u00f6kalu muuntaa taloudelliset ja operatiiviset tietosi toimialakohtaiseksi suuntaa-antavaksi arvioksi. Siin\u00e4 tarkastellaan kriittisi\u00e4 arvon ajureita:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Keskeiset taloudelliset luvut:<\/strong>\u00a0Liikevaihto, EBITDA ja nettokannattavuus.<\/li>\n\n\n\n<li><strong>Historia &amp; Kasvu:<\/strong>\u00a0Kuinka monta vuotta yritys on toiminut ja mik\u00e4 on kasvuprosentti?<\/li>\n\n\n\n<li><strong>Toimialakohtaiset kertoimet:<\/strong>\u00a0SaaS-yritys arvostetaan eri tavalla kuin kuljetusyritys. Ty\u00f6kalu korjaa automaattisesti alasi ajankohtaisten markkinatietojen perusteella.<\/li>\n<\/ul>\n\n\n\n<p><strong>Strateginen l\u00e4ht\u00f6kohta<\/strong><br>T\u00e4m\u00e4 ei ole lopullinen arviontiraportti, mutta se on t\u00e4ydellinen ensimm\u00e4inen askel seuraaviin tarkoituksiin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Myyntisuunnitelmat:<\/strong>\u00a0Hanki realistinen kuva pyyntihinnastasi.<\/li>\n\n\n\n<li><strong>Ostoanalyysi:<\/strong>\u00a0Tee nopea alustava arvio yritysostoehdokkaasta.<\/li>\n\n\n\n<li><strong>Strategiset valinnat:<\/strong>\u00a0Ymm\u00e4rr\u00e4, miten kasvu tai kateparannus vaikuttaa lopulliseen arvoosi.<\/li>\n<\/ul>\n\n\n\n<p><strong>Huomio:<\/strong>&nbsp;Algoritmi ei n\u00e4e &#8220;peukalokerrointa&#8221;, erityisi\u00e4 patentteja tai riippuvuutta yhdest\u00e4 suuresta asiakkaasta. K\u00e4yt\u00e4 siksi tulosta vahvana viitepisteen\u00e4 keskustelussa yritysostoneuvojan kanssa.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/creddo.com\/fi\/yrityslaina\/\" target=\"_blank\"><img fetchpriority=\"high\" decoding=\"async\" width=\"790\" height=\"166\" src=\"https:\/\/creddo.com\/fi\/wp-content\/uploads\/2026\/04\/Creddo-banner-FI.png\" alt=\"Analysoi yrityksesi luottokelpoisuus\" class=\"wp-image-1372\" srcset=\"https:\/\/creddo.com\/fi\/wp-content\/uploads\/2026\/04\/Creddo-banner-FI.png 790w, https:\/\/creddo.com\/fi\/wp-content\/uploads\/2026\/04\/Creddo-banner-FI-300x63.png 300w, https:\/\/creddo.com\/fi\/wp-content\/uploads\/2026\/04\/Creddo-banner-FI-768x161.png 768w\" sizes=\"(max-width: 790px) 100vw, 790px\" \/><\/a><\/figure>\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Oletko utelias, mik\u00e4 on yrityksesi todellinen arvo? Vai harkitsetko yritysostoa? Selvit\u00e4 se nopeasti ja helposti t\u00e4ll\u00e4 k\u00e4tev\u00e4ll\u00e4 ty\u00f6kalulla. Saat heti lis\u00e4\u00e4 n\u00e4kemyst\u00e4 ja voit ottaa luottavaisin mielin seuraavan askeleen. Laske suuntaa-antava yritysarvo toimialakertoimien ja taloudellisen profiilisi perusteella. T\u00e4st\u00e4 menetelm\u00e4st\u00e4 T\u00e4m\u00e4 laskuri k\u00e4ytt\u00e4\u00e4 arvostuskertoimia, jotka perustuvat professori Aswath Damodaranin (NYU Stern) tutkimukseen. Kertoimia mukautetaan toimialasi, kasvuprosenttisi, [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1392,"parent":1366,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"creddopage.php","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-1391","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v16.0 (Yoast SEO v20.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laske yrityksesi arvo - Yritysarvostusty\u00f6kalu | Creddo FI<\/title>\n<meta name=\"description\" content=\"Laske yrityksesi suuntaa-antava arvo nopeasti ja helposti Damodaran-kertoimiin perustuvalla ty\u00f6kalulla. 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Vai harkitsetko yritysostoa? Selvit\u00e4 se nopeasti ja helposti t\u00e4ll\u00e4 k\u00e4tev\u00e4ll\u00e4 ty\u00f6kalulla. Saat heti lis\u00e4\u00e4 n\u00e4kemyst\u00e4 ja voit ottaa luottavaisin mielin seuraavan askeleen. Laske suuntaa-antava yritysarvo toimialakertoimien ja taloudellisen profiilisi perusteella. T\u00e4st\u00e4 menetelm\u00e4st\u00e4 T\u00e4m\u00e4 laskuri k\u00e4ytt\u00e4\u00e4 arvostuskertoimia, jotka perustuvat professori Aswath Damodaranin (NYU Stern) tutkimukseen. 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