那么让我给你举一个金融公司的例子，United Health。如果你看 United Health UNH，同样你可以看到 fact 预测的增长率，未来 5 年预计增长 15.96%，长期增长 13.67%。
So let me give you an example of a finance company United Health. So if you look at United Health UNH again you can see what is the projected growth rate from fact you can see for the next 5 years is projected to grow at 15.96% and then in the longer run grow at 13.67%.
那么如果我们再看内在价值，估值 United Health 的方法有很多，但它是一家保险公司。那么更合适的方法是什么？我们使用贴现净收益法，即这里的贴现净收益法。基于这种方法，你可以看到内在价值，基于预测未来 20 年的净利润并贴现到现值，得到 529 美元。
So if we look at the intrinsic value again there are so many ways to value United Health but it's a insurance company. So what's the more um what what's the method to use? We use the discounted net income method which is over here discounted net income method. And so based on this method, you can see the intrinsic value uh based on projecting the net profit for the next 20 years discount to present value gives us $529.