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CFA Level I · Study Guide

Corporate Issuers

6-9% of exam7 modulesModerate
Overview

Corporate Issuers covers how companies raise capital, govern themselves, and return value to shareholders. The topic spans capital structure theory (Modigliani-Miller), cost of capital, dividend policy, and corporate governance frameworks including the principal-agent problem. It is a relatively lighter exam topic (6–9%) but questions are highly conceptual and reward candidates who understand the "why" behind financing decisions.

Key Formulas

The formulas that appear most often

Weighted Average Cost of Capital (WACC)
WACC = [wd × rd × (1−t)] + [wp × rp] + [we × re]
Use market-value weights, not book values; after-tax cost of debt only
Cost of Equity — CAPM
re = rf + β × (E[Rm] − rf)
E[Rm] − rf = equity risk premium (ERP); β measures systematic risk
Cost of Preferred Stock
rp = D_p / P₀
Preferred dividends are not tax-deductible, so no tax adjustment
Cost of Retained Earnings — DDM
re = D₁/P₀ + g
Dividend yield plus growth rate; g estimated as ROE × retention ratio
Modigliani-Miller (with taxes)
V_L = V_U + t × D
Value of levered firm = unlevered firm + PV of tax shield; optimal is 100% debt in theory
Dividend Payout Ratio
Payout Ratio = DPS / EPS = Total Dividends / Net Income
Retention ratio (plowback) = 1 − Payout Ratio
High-Yield Exam Areas

What actually gets tested

1

WACC as a hurdle rate: accept projects with IRR > WACC and NPV > 0. The WACC represents the minimum return that satisfies all capital providers.

2

Capital structure trade-offs: tax shield from debt increases firm value; financial distress costs and agency costs of debt reduce it. The static trade-off theory says optimal leverage balances these two forces.

3

Dividend irrelevance (MM with taxes): in a perfect market dividends don't matter because investors can create homemade dividends. In reality, signalling, clientele effects, and taxes make dividend policy relevant.

4

Corporate governance: the principal-agent problem arises when managers (agents) have incentives misaligned with shareholders (principals). Solutions include equity-based compensation, independent boards, and takeover threats.

Common Mistakes

Where candidates lose marks

Using book-value weights for WACC instead of market-value weights — book values reflect historical costs and may be very different from current market values.

Forgetting the tax shield adjustment for the cost of debt: after-tax cost = rd × (1 − tax rate). Preferred dividends have no tax shield.

Confusing MM Proposition I (capital structure is irrelevant in perfect markets → firm value is unchanged) with MM Proposition II (cost of equity rises with leverage to offset the benefit of cheap debt).

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