CFO Scenario Planner

Model the value-creation levers on profit, cash, leverage, covenant and equity value — then run an agentic, web-grounded stress-test that benchmarks the plan against live market multiples, rates and growth.

The Stark Group · FY26 (modeled)

Luxury to-the-trade — designers & architects only (no retail)

670 employees · 12+ US sites · 8 countries

Scenarios

Pull the levers

Collect faster (DSO)6d

One-time working-capital release (long bespoke lead times)+£2.7m cash

Extend payables (DPO)4d

One-time, on fibre/mill/atelier spend — pay to terms+£0.8m cash

Lift repeat-designer mix3pt

Shift one-off specs to repeat trade (~8pt premium)+£0.4m EBITDA

Capture cross-house attach25%

of £36m whitespace → £9.0m rev+£2.3m EBITDA

Craft & sourcing gains1pt

Wool/silk sourcing · atelier yield · first-quality+£1.7m EBITDA

EV / EBITDA multiple10x

Valuation lens (luxury house) — the agent benchmarks this

The agent plans searches, queries DuckDuckGo for live luxury-furnishings multiples, wool/silk prices and rates, then stress-tests your scenario against Stark's record and the market. Illustrative model on modeled baseline figures.

Equity value to the family

£332m+£47m

from £285m · EV £344m at 10× − net debt £11m

Cash freed

£4m

one-time · −6d DSO, +4d DPO

Baseline → scenarioleverage headroom 2.67x

Metric	Today		Scenario	Δ
Revenue	£165m	→	£174m
Adj. EBITDA	£30m	→	£34m	+£4m
EBITDA margin	18.2%	→	19.8%	+1.6pt
Repeat-designer mix	70%	→	73%
Free cash flow	£14m	→	£20m	+£6m
Net leverage	0.50x	→	0.33x	-0.17x
Enterprise value	£300m	→	£344m
Equity value	£285m	→	£332m	+£47m

Leverage vs 3x ceiling

scenario 0.33xtoday 0.50x (line)