What is your business worth, in BDT and in context?

Sector basis. Each sector is mapped to the valuation primitive observed most consistently in domestic transactions. SME services, F&B, retail and education are seller-discretionary-earnings (SDE) priced; manufacturing, pharma and RMG are EBITDA-priced; SaaS is revenue-priced where MRR is verifiable, and converts to acqui-hire pricing where it is not. The mapping reflects the way Bangladeshi acquirers actually quote rather than textbook valuation theory⁶.

Multiple band. The low and high ends of each band are calibrated to recent Bangladeshi clearing prices, then sanity-checked against three external reference series: the IBBA Market Pulse Report (Q4 2025 release) for SDE bands, BizBuySell's Insight Report for SaaS and consumer comparables, and GF Data's lower-middle-market series for EBITDA bands. Where local comparables are sparse, the international band is taken and a Bangladesh discount of 15–30% is applied to reflect shallower buyer pools, FX-exit complexity, and regulatory friction⁷.

Growth uplift. Year-on-year growth above 10% incrementally lifts the upper end of the multiple, capped at sector-specific ceilings. The uplift is conservative: a SaaS business growing at 30% gains roughly 1.2x of additional revenue multiple at the ceiling; a manufacturing business growing at 20% gains roughly 0.4x EBITDA. Growth above 50% tends to be treated by acquirers as either unsustainable or signal-of-strategic-interest and is not extrapolated linearly⁸.

Bangladesh-specific adjustments. Three domestic factors are baked into the bands themselves rather than treated as separate adjustments. First, the RJSC compliance discount: deals with unresolved Form 117 history clear roughly 10–20% lower than otherwise identical clean-record peers⁹. Second, the customer-concentration discount: any single customer above 30% of revenue is treated as an existential risk and discounted accordingly⁴. Third, the foreign-buyer FX premium: exporters earning hard-currency revenue earn a 10–15% premium over otherwise identical domestic-currency peers.

Limits. The output is indicative — not a defensible valuation. A real valuation engagement produces a forty-to-eighty-page report covering quality of earnings, working-capital trueup, customer-cohort retention, regulatory exposure, and a defensible discount rate. The valuator above is calibrated to land within ±20% of the eventual mid-case clearing price for well-prepared sellers, and within ±35% for unprepared ones. If the result feels meaningfully off, that is itself useful diagnostic information about preparation state.