Long-Term Financing Policy, Capital Structure, Risk Management Policy and Acquisition Analysis

Cooper Industries [Cooper], founded in 1919, bywere greatly impacted by 1972. This merger also
the mid 1950’s was known as the leadingimpacts long-term debts. In order to acquire
producer of natural gas well extraction enginesNicholson File Company, Cooper Industries would
and compressors. Cooper executed severalhave to look for a way of long-term financing,
acquisitions to expand its business and broaden itsthereby increasing its debt and debt/equity ratio.
diversification to gain market share.The Cooper/Nicholson acquisition has a positive
Cooper’s management was highlyimpact on both companies and it is believed that
concerned about their need to diversify sincethe two companies have great synergistic value.
they relied heavily on the sale of oil and gas toolsThe acquisition will not only reduce operating costs
to industrial customers.but it will also reduce additional selling and
Likewise, earnings volatility was caused by theadministrative expenses, as well. The SG&A
cyclical nature of heavy machinery and equipmentexpenses should decrease by 10% the first year
sales. Regrettably, the effort to reduce theand should experience no increase in them in
earnings volatility for Cooper Industries was notyears after. Revenue too had a 5% increase and
successful since sales were entirely concentratedit too stabilized into having a consistent increase
the same industry. By 1959, Cooper ceasedof 8% every year. The 5-year projection after
operations in four of the acquired companies thatthe acquisition provides a positive glimpse for the
broadened their market, yet they did not satisfyfuture.
the need to diversify the company. In order toPursuant to due diligence, we have compiled the
avoid any more ineffective acquisitions, Cooperfollowing report evaluating these financing options:
developed three criteria that must to be met for· Exhibit A Income Statement Balance
all future acquisitions, Cooper Industries, Inc.- CaseSheet without Synergies
(1974). Industry choice should permit Cooper· Exhibit B Income Statement Balance
major player status · Industry should beSheet with Synergies Financing With Bonds
stable and enable sales of “small· Exhibit C Income Statement Balance
ticket” items.Sheet with Synergies Financing with Cooper
Industry leading firms would be acquired OnlyCommon Stock
acquire industry leader Cooper implemented these· Exhibit D Income Statement Balance
criteria by acquiring Lufkin Rule Company in 1967.Sheet with Synergies Financing with Cooper
The new strategy would ensure thatPreferred Stock
Cooper’s acquisitions benefited them and· Exhibit E Summary Combined with
their shareholders. Cooper’s next step wasSynergies Financing With Bonds
to acquire Nicholson File Company [Nicholson]. This· Exhibit F Summary Combined with
paper is going to further expand and analyze thisSynergies Financing With Cooper Common Stock
acquisition. Meeting the Criteria Nicholson as one of· Exhibit G Summary Combined with
the largest domestic manufacturers of hand tools,Synergies Financing With Cooper Preferred Stock
led in its two main products areas: files and rasps.· Exhibit H 5-Year Projection Income
It had 50% share of the $50 million market forStatement and Balance Sheet
files and rasps where they had established· Exhibit I Net Present Value Calculations
excellent reputation for quality and brand name.This team of authors recommends a bond issue
Its hand saw and saw blades also had excellentas the preferred capital financing structure for a
reputation for quality and held a respectable 9%variety of reasons. Debt capital used more than
share of a $200 million market. Nicholson’sequity capital causes a higher debt to equity ratio,
best asset, their distribution system, gave them a(2004). As this ratio increases then the financial
competitive advantage that was attractive toleverage of the business increases to a point. The
Cooper.maximum ratio of debt to equity is achieved
Aside from these attributes Nicholson was inwhen a firm can no longer service its debt. The
financial trouble. Their common stock was tradinginability of a firm to service or pay its debts is
at $23 to $32 per share well below its book valuetermed as insolvent. Debt capital, the assumed
of $51.25 per share. The company reflected a lowinterest rate of 8% is used, with a twenty-year
price-earnings ratio of 10-14 compared to 14-17term and a sinking fund for future debt
times earning for other leading hand toolretirement over the term of the debt
companies. Every aspects of Nicholson’scommencing in year one or 1972.
business met the acquisition criterion that wasThis usage of debt rather than equity to finance
previously established by Cooper.the acquisition of Nicholson causes a greater
Benefits of Acquisitionreturn on shareholder equity since the use of
Cooper analyzed the benefits of merging withother peoples money (OPM) causes a
Nicholson. Cooper estimated thatmagnification on return of the existing capital
Nicholson’s cost of good sold could bestructure. If the Firm were to issue more stock in
reduced from 69% of sales to 65%. Thelieu of debt then the existing equity structure
acquisition would eliminate the sales andwould be diluted and the return on
advertising duplication, which would lower theshareholder’s equity reduced. The
general and administrative expenses from 22% ofobjective of the Firm would be to maximize
sales to 19%. In addition, “75% ofshareholders’ wealth and debt-financing
Nicholson’s sales were to the industrialstructure achieves the objective better than the
market and only 25% to the consumerissuance of more shares of stock. Another cause
market” (page 5) compared to the inversefor debt issue for the financing is linked to the
for Cooper, since they distributed between theUnited States Tax Code allowing companies to
consumer market at 25% and industrial marketexpense interest expense as a financing expense
at 75%.accounted for in the statement of cash flows
Synergieswhere it is deducted from net income before
Synergy can be defined as the value that istaxes prior to federal income tax calculation. The
created by combining companies, which yields aboon of tax benefit is not available in many other
result greater than the value of these companiesforeign nations where interest expense is not a
as separate entities. It is important to recognizetax preference item.
the synergy that existed with the twoTherefore, the 8% interest expense will reduce
corporations. The acquisition would provide anet income before interest and taxes dollar for
greater marketability for both of thesedollar and subsequent income taxes at 34¢
companies. Both of these companies will improveon the dollar of earnings before interest and
their profit margin by working together instead oftaxes. Furthermore, as the Firm grows, the debt
as competitors. When companies are acquired,to equity ratio will probably change assuming
competition should be reduced giving companiesprofitability and the assumptions are mainly
better opportunities to advantageously controlcorrect. As profits are generated over time and
price. In addition, the acquisition will providethey are kept in the Firm in the form of retained
growth. With each of these product lines, both ofearnings at that point in time will have dropped
these companies together can achieve greaterand the total equity in the company will have
sales expansion. Improved distribution methods bygrown. This is exactly what most companies look
Nicholson to Cooper would reduce operating costsfor in a merger or acquisition.
to the venture as a whole.Since the acquirer and Nicholson are both
Capital Structurecompanies heavily laden with inventory and that
Cooper Industries should structure the deal toinventory needs to be financed either by cash or
finance the acquisition of Nicholson. Cooper hasaccounts payable to the extent that this case
capital structure options to finance this acquisition.was analyzed prior to the new Wal-Mart/Dell
They can issue debt, arrange lease financing, bondComputer method of working capital financing. In
swapping, offer preferred stocks, warrants,this model, the vendor does not bill the purchaser
convertible bonds and callers. These selections(Wal-Mart or Dell or the Firm) prior to purchase
offer investment options for Cooper.but the customer thereby avoiding the need to
“Typical financing decisions include howfinance. In the case of the Firm, inventory is a
much debt and equity to sell, what types of debtrequirement. Depending on the industry and to the
and equity to sell, and when to sell debt andextent that cash is generated by it leveraging is
equity. Just as the net present value criterion wasneeded more or less. In other words, the more
used to evaluate capital budgeting projects, wecash generated from operations the less leverage
now want to use the same criterion to evaluaterequired during the operations of a company
financing decisions” A five-year projectionnotwithstanding the acquisitions. To the extent
(Exhibit H) has been created to demonstrate thethat the bond underwriters will issue bonds and
desired progress toward the projected goal ofthe bonds will be graded (priced) to the extent of
this acquisition in regards to the synergies.the debt to equity ratio, solvency and future
Appendix A illustrates the combined financialvalue is key.
statements without synergies in detail. In 1972,That key is the cost of capital. The team of
the true effect of the acquisition is felt with theauthors have assumed a rate of 8% annually flat
increase in net income and then leveling out asover the 5 year pro-forma.
the year’s progress. Earnings per share