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PMPCAPM

Net Present Value (NPV)

Net present value (NPV) is the difference between the present value of cash inflows and the present value of cash outflows over a period of time, used to assess the profitability of a project or investment.

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Explanation

NPV accounts for the time value of money—the principle that a dollar today is worth more than a dollar in the future. By discounting all future cash flows back to present value using a chosen discount rate, NPV provides a single number that represents the net economic value of a project in today's terms.

A positive NPV means the project is expected to generate more value than it costs, making it a worthwhile investment. A negative NPV means the project's costs exceed its expected returns. When comparing multiple projects, the one with the highest NPV is generally the best financial choice, assuming similar risk profiles.

The discount rate used in NPV calculations reflects the organization's cost of capital or required rate of return. On the exam, you are unlikely to perform a full NPV calculation, but you must understand the concept and know that higher NPV is better and positive NPV indicates a viable investment.

Key Points

  • Accounts for the time value of money
  • Positive NPV means the project adds value; negative NPV means it does not
  • Higher NPV is preferred when comparing projects
  • Uses a discount rate reflecting the organization's cost of capital

Exam Tip

When choosing between projects, select the one with the highest positive NPV. A project with a negative NPV should generally be rejected.

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