Pure Medicaid, owner-dependent agencies sell at 3x–4x. Documented, diversified-payer agencies with a management layer sell at 6x–9x. On $200,000 EBITDA, that gap is $600,000. The calculator below estimates where your agency falls today — and what it could be worth in Year 3 when CareDrain is reversed.
Lead with the trajectory, not today's depressed number. This is what your agency will be worth when the conditions that command a premium are built — not what it would fetch from a buyer who calls this week.
This estimator produces a directional range based on publicly available M&A transaction data. The advisory conversation with a CareBravo Care Business Advisor produces specific figures at your census, payer mix, and state. These numbers are estimates — not appraisals. They are designed to make the gap visible.
Adjust the inputs to your current situation. Results update in real time.
Directional range based on industry M&A data. Not an appraisal. Actual values depend on payer contracts, local market conditions, and documentation quality. Source: Mertz Taggart, Scope Research, Home Care Business Broker 2025.
A CareBravo advisor calculates your specific numbers at your state, payer mix, and census. No commitment required.
The Agency Value Scorecard is a live dashboard within the CareBravo Agency Value Builder Program that tracks seven dimensions determining exit valuation in real time. It does not show today's exit value — it shows the trajectory. What the agency will be worth in Year 3 if the five CareDrain vectors are reversed starting now. For most owners in Year 1, the honest current value is not yet premium. The Scorecard shows the direction of travel: each dimension building toward the conditions that command a 6x–9x EBITDA multiple from HCBS-specialized buyers.
Does the business operate, grow, and handle exceptions without the owner's daily involvement? The #1 buyer question.
Clean claim rate, denial rate, days-to-payment. The first financial metric buyers examine in due diligence.
Continuous EVV, training, and credentialing documentation accumulating as a byproduct of every shift. Audit-ready without a scramble.
Turnover rate tracked continuously. Workforce stability over 12–18 months. The data that tells buyers this agency will not lose its workforce at acquisition.
Intake conversion rates and pipeline velocity. Documented that revenue growth comes from a system, not from the owner's personal relationships.
Visit notes, assessments, and care plan compliance generating automatically. Outcome data — ER avoidance, hospitalization reduction — accumulating as proof.
Documented VA, LTCI, or private pay revenue development. The condition that most directly moves an agency from the valuation floor toward the ceiling.
The Scorecard tracks the direction of travel — not today's number, but what Year 3 looks like if you start reversing CareDrain now versus waiting another twelve months.
PE acquisitions teams called home care agencies at 30–50 patients throughout 2024 and Q1 2025. They modeled the offer before dialing. The owners who negotiated without a live Agency Value Scorecard and years of clean documentation left an average of $200,000 on the table — according to Mertz Taggart, the leading HCBS-specialized M&A advisory firm.
The 80/20 CMS rule takes effect in 2030. It structurally caps the margin on pure Medicaid revenue. Every agency with 100% Medicaid concentration needs to begin payer diversification now — not as a long-term strategy, but as a near-term survival measure. The Scorecard's payer diversification dimension tracks that work.
The calculator above shows you the gap. The advisory conversation shows you the path to close it. It is specific to your agency — your census, your state, your payer mix, your current operational systems. Not a generic pitch. Your numbers.
The calculator produces a directional estimate. The CareDrain Diagnostic produces your specific numbers — at your census, your payer mix, your state's Medicaid rates — and the CareBravo advisor shows you exactly what reversing each active drain would be worth in daily margin recovery and in exit value at Year 3. One business day. No commitment.
A Medicaid home care agency's exit value is determined by EBITDA and the multiple a buyer applies. Pure Medicaid, owner-dependent agencies command a 3x–4x seller's discretionary earnings (SDE) multiple — the floor. Agencies with diversified payer mix, a management layer, documented systems, and clean financial history command 6x–9x EBITDA — the ceiling. On $200,000 EBITDA, the difference is $600,000. What determines where your agency falls on this range: owner independence, billing cleanliness, compliance record, caregiver retention data, and payer diversification — exactly the seven dimensions the Agency Value Scorecard tracks. The estimator on this page provides a directional range. The CareDrain Diagnostic produces specific figures at your census and payer mix.
The Agency Value Scorecard is a live dashboard within the CareBravo Agency Value Builder Program that tracks seven dimensions: owner independence, billing cleanliness, compliance record, caregiver retention rate, client census stability, documentation completeness, and payer diversification. It updates in real time as the agency operates on CareBravo. The Scorecard does not show today's exit value — it shows the trajectory. What the agency will be worth in Year 3 if the five CareDrain vectors are reversed starting now. This distinction is important: most agencies in Year 1 do not yet have the documented track record that commands a premium. The Scorecard shows the direction of travel and the rate at which each dimension builds toward premium conditions.
The calculator uses five inputs — active patient count, Medicaid revenue percentage, owner independence level, compliance documentation approach, and years operating — to estimate monthly revenue (patient count × approximate Medicaid HCBS rate), annual EBITDA (revenue × operating margin assumption), current exit value at the 3x SDE floor, potential exit value at the 6x EBITDA ceiling after CareDrain is reversed, the gap between floor and ceiling, and the approximate annual CareDrain cost at that census. All figures are directional estimates based on publicly available industry M&A data from Mertz Taggart, Scope Research, and Home Care Business Broker 2025. They are not appraisals. Actual values depend on payer contracts, geographic market conditions, specific financial documentation, and buyer appetite at the time of sale.
Not when you decide to sell — the conditions that command a premium exit take 18–36 months to build. Owner independence, billing cleanliness, compliance record, caregiver retention data, census stability, documentation completeness, and payer diversification must be documented over time. An agency that starts building them in Year 5 or 6 does not have the track record that an agency starting in Year 1 or 2 does. PE acquisitions teams are calling agencies at 30–50 patients. They have modeled the offer before they dial. Owners who negotiate without a live Scorecard and years of clean documentation leave an average of $200,000 on the table. The window to start building is open now — and it is not unlimited.
Seven documented conditions separate the 3x–4x SDE floor from the 6x–9x EBITDA ceiling: owner independence (the business operates without the owner's daily involvement), billing cleanliness (clean claim history, low denial rates, predictable cash cycles), compliance record (continuous, audit-ready EVV, training, and credentialing documentation), caregiver retention (documented workforce stability over 12–18 months), census stability (documented intake pipeline with conversion data showing revenue does not depend on the owner's personal relationships), documentation completeness (outcome data, visit notes, and care plan compliance generating automatically), and payer diversification (documented VA, LTCI, or private pay revenue development reducing Medicaid concentration risk). CareDrain suppresses all seven. The 5-Drain Exit Protocol reverses all five CareDrain vectors — and as a byproduct of daily operations, it builds all seven Scorecard conditions that command a premium.