Planypals

Financial Models

How to Value a Startup (With or Without Revenue)

By Sofia Marchetti··Updated June 8, 2026·9 min read

Key takeaways

  • Triangulate two or three methods; valuation is a negotiation, not a fact.
  • Pre-revenue: use the Berkus, Scorecard, and Risk Factor Summation methods, plus the VC method.
  • With revenue, value on a multiple driven by growth and retention.
  • Keep the valuation consistent across the model, cap table, and pitch.
$4MPre-money$1MInvestment$5MPost-money
Post-money valuation = pre-money valuation + new investment (illustrative figures).

To value a startup, you estimate what it is worth today by combining its future potential, comparable deals, and the risk an investor is taking. Early companies with little or no revenue use qualitative frameworks, the Berkus method, the Scorecard method, and Risk Factor Summation, alongside the forward-looking Venture Capital method, while companies with revenue are usually valued on a multiple of that revenue. A credible valuation triangulates two or three of these approaches rather than relying on a single number, because valuation is a negotiation, not a fact.

Pre-money and post-money, the language of a raise

Before any method makes sense, fix the vocabulary. Pre-money valuation is what the company is worth before new investment; post-money valuation is the pre-money figure plus the new money raised. If you raise $1 million at a $4 million pre-money valuation, the post-money is $5 million and the investor owns 20 percent. Every method below produces a pre-money number, and the raise and the resulting unit economics determine the dilution you accept.

How to value a pre-revenue startup

With no revenue to anchor a multiple, investors price the team, the market, and the early signal. Three frameworks dominate. The Berkus method assigns up to about $500,000 to each of five success factors, capping a pre-revenue company near $2.5 million. The Scorecard method starts from the average valuation of comparable funded startups in your region and adjusts up or down for team, market size, and product. The Risk Factor Summation method adds or subtracts value across roughly twelve risk categories. None is precise; together they bracket a defensible range.

The Venture Capital method

The Venture Capital method works backward from an exit. You project revenue about five years out, apply an industry exit multiple to estimate a future sale price, then discount that back to today using the return a venture investor expects, often ten times or more. The result is a present value that already bakes in risk. It pairs naturally with a credible financial projection, because the exit figure is only as good as the forecast behind it.

Valuing a startup with revenue multiples

Once you have revenue, most investors value the company on a multiple of it, since startups usually run losses that make profit-based multiples meaningless. As a rough guide, companies growing around 10 percent a year trade near 1x to 5x revenue, those growing 30 to 40 percent near 6x to 10x, and hypergrowth technology companies far higher. SaaS businesses often sit between 5x and 15x annual recurring revenue, with the multiple driven by growth rate, retention, and acquisition efficiency. Multiples also compress between rounds, so a 12x figure at seed may become 8x at Series A.

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Discounted cash flow and comparables

Two traditional methods round out the toolkit. Discounted cash flow values the company as the present value of its future cash flows; it is rigorous but unreliable for early startups whose cash flows are speculative. Comparable transactions price your company against recent deals for similar businesses. Investors lean on comparables and multiples for venture-stage companies and reserve discounted cash flow for later, more predictable ones. The numbers all live in a three-statement model so they stay internally consistent.

Common mistakes founders make on valuation

  • Anchoring on a single method instead of triangulating two or three.
  • Setting a high valuation you cannot grow into, forcing a painful down round later.
  • Confusing post-money with pre-money and miscalculating dilution.
  • Borrowing a hot-sector multiple that does not match your growth or retention.
  • Treating the valuation as fixed rather than the opening of a negotiation.

Where valuation fits in your raise

Your valuation should be consistent everywhere an investor looks, the model, your cap table, and the figure you present in your investor pitch. If you want the analysis built and stress-tested, our financial modeling service delivers the projections, exit scenarios, and dilution math behind a number you can defend. A valuation is an estimate that you and your investors negotiate; no method guarantees the price a round closes at.

Frequently asked questions

How do you value a startup with no revenue?+
Use qualitative frameworks. The Berkus method assigns up to about $500,000 to each of five success factors, the Scorecard method adjusts from comparable funded startups in your region, Risk Factor Summation adjusts value across about twelve risk categories, and the Venture Capital method works backward from a projected exit. Combine them for a defensible range.
What multiple do startups sell for?+
It depends on growth. Companies growing around 10 percent a year trade near 1x to 5x revenue, those growing 30 to 40 percent near 6x to 10x, and hypergrowth technology firms much higher. SaaS companies often sit between 5x and 15x annual recurring revenue.
What is the difference between pre-money and post-money valuation?+
Pre-money valuation is the company's worth before new investment. Post-money valuation is the pre-money figure plus the new money raised. Raising $1 million at a $4 million pre-money gives a $5 million post-money, and the investor owns 20 percent.
How do you calculate a startup valuation?+
Project future performance, apply a method appropriate to your stage, then sanity-check it against comparable deals. Pre-revenue companies rely on the Berkus, Scorecard, and VC methods; revenue-stage companies apply a multiple to revenue, all built inside a financial model.

About the author

Sofia Marchetti, Head of Financial Modeling

Sofia Marchetti

Head of Financial Modeling

Sofia came up through corporate FP&A and startup finance, building the driver-based models founders live or die by. At Planypals she leads the financial modeling and writes the guides on projections, unit economics, and cap tables. She is unmovable on one point — a number you can't trace back to a defensible assumption has no business being in the model.

Reviewed for accuracy by Claire Whitfield, Managing Editor.

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