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Growth

Compound Annual Growth Rate CAGR

The steady yearly growth rate that would take a starting value to an ending value over a number of years, as if it compounded smoothly.

Part of the Growth & Capital Returns course · Lesson 4 of 26
Formula
(Ending Value / Beginning Value)^(1 / Number of Years) - 1

What it is

CAGR is the single average annual rate at which something (revenue, earnings, an investment) would have grown if it grew by the same percentage every year and compounded. Real-world results are bumpy, so CAGR smooths the ups and downs into one comparable number. It answers "what constant yearly rate connects the start point to the end point?"

Why it matters

CAGR lets you compare growth across different companies or time spans on an apples-to-apples basis, which a simple total change cannot do. Its main limitation is that it hides volatility: two businesses with the same CAGR can have very different year-to-year paths, and one can be far riskier. It is also sensitive to the chosen start and end dates, so a cherry-picked starting year (for example, a recession low) can make growth look better than it really was.

How it's calculated

Divide the ending value by the beginning value, raise that ratio to the power of one divided by the number of years, then subtract one. Multiply by 100 to express it as a percentage.

How Quintarthai uses it

Quintarthai's 10-year Financials tab lets you see multi-year revenue, earnings, and cash-flow trends from which a CAGR can be derived on each company's deep-analysis page, and Quinn's sector-relative analysis uses multi-year growth context with click-to-source provenance.

Cross-border note. When computing CAGR for a company that reports in CAD versus one in USD, convert to a common currency first or the result will mix real growth with exchange-rate drift.

FAQ

How is CAGR different from average annual growth?
A simple average just adds each year's growth rate and divides by the number of years, ignoring compounding; CAGR accounts for compounding and reflects the actual start-to-end change, which is why it is usually lower than a simple average when results are volatile.
Can CAGR be negative?
Yes. If the ending value is lower than the beginning value, CAGR is negative, representing the steady annual rate of decline over the period.
Related terms
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