{"id":13283,"date":"2024-07-31T17:21:46","date_gmt":"2024-07-31T17:21:46","guid":{"rendered":"https:\/\/www.stoamsaas.com\/no-category\/what-is-payback\/"},"modified":"2024-11-13T16:42:18","modified_gmt":"2024-11-13T16:42:18","slug":"what-is-payback","status":"publish","type":"post","link":"https:\/\/www.stoamsaas.com\/en\/blog-en\/articles\/what-is-payback\/","title":{"rendered":"What is payback and how is it calculated?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13283\" class=\"elementor elementor-13283 elementor-13259\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-405aab1f e-flex e-con-boxed e-con e-parent\" data-id=\"405aab1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4d183e e-con-full e-flex e-con e-child\" data-id=\"4d183e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34b5078f elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"34b5078f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 id='what-is-payback-and-how-is-it-calculated'  id=\"boomdevs_1\" class=\"elementor-heading-title elementor-size-default\">What is payback and how is it calculated?\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5621e03a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5621e03a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div 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class=\"elementor-element elementor-element-01e9c87 elementor-widget elementor-widget-post-info\" data-id=\"01e9c87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-7f530f1 elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.stoamsaas.com\/en\/author\/borja-azpiroz\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"elementor-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/13db6ea91fe438e5eef86f277c1dc9cf02e9aba0e7e07f113bf665a436cf8fce?s=96&amp;d=mm&amp;r=g\" alt=\"Picture of Pablo Mart\u00ednez\" loading=\"lazy\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tPablo Mart\u00ednez\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-353e55aa e-con-full e-flex e-con e-child\" data-id=\"353e55aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33516a2 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"33516a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/que-es-payback-1024x683.jpg\" class=\"attachment-large size-large wp-image-13273\" alt=\"que-es-payback\" srcset=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/que-es-payback-1024x683.jpg 1024w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/que-es-payback-300x200.jpg 300w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/que-es-payback-768x512.jpg 768w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/que-es-payback.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4dc0d081 e-con-full e-flex e-con e-child\" data-id=\"4dc0d081\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7449f0a4 elementor-widget elementor-widget-text-editor\" data-id=\"7449f0a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In the world of finance, sound decision making is the <strong>fundamental pilla<\/strong>r on which the success of any company is based. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Among the wide range of tools available to assess the viability of an investment, the payback, <strong>also known as the amortization period,<\/strong> has positioned itself as a key indicator due to its simplicity and practicality. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Throughout this article, we will not only delve into the concept of payback, but we will also guide you <strong>step-by-step in its calculation <\/strong>so that you can apply it accurately to your own financial projects.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d22b642 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"d22b642\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#ver-video\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Watch Video<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2623a elementor-widget elementor-widget-text-editor\" data-id=\"2c2623a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id='what-is-payback'  id=\"boomdevs_2\"><span style=\"font-weight: 400;\">What is payback?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Payback, in essence, allows us to <strong>determine the time it takes a company to recover the initial investment<\/strong> made in a specific project or asset. In other words, it tells us how long it takes to generate net cash flows equal to the amount invested at the beginning. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Its calculation is based on the division of the initial investment by the annual net cash flows generated by the project. This crucial information <strong>is obtained from the company&#8217;s financial statements, <\/strong>specifically the <a href=\"https:\/\/www.stoamsaas.com\/en\/blog-en\/articles\/how-to-manage-cash-flow-company\/\">cash flow<\/a> statement. <\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-631f3228 elementor-widget elementor-widget-text-editor\" data-id=\"631f3228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id='why-is-payback-important'  id=\"boomdevs_3\"><span style=\"font-weight: 400;\">Why is payback important?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Payback has become a fundamental tool for financial decision making for a variety of reasons:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Simplicity: <\/b>I<span style=\"font-weight: 400;\">ts calculation is relatively simple and straightforward, which makes it an accessible indicator for anyone involved in investment evaluation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liquidity:<\/b> <span style=\"font-weight: 400;\">Provides a clear view of the time required to recover the invested capital, which is very useful to assess the liquidity of the project and its impact on the company&#8217;s cash flow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Initial assessment:<\/b> <span style=\"font-weight: 400;\">This is an ideal indicator for a quick initial assessment of the viability of an investment, especially in the early stages of a project.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"text-align: center;\">Comparison of projects<\/b>: <span style=\"font-weight: 400;\">Allows to compare different investment projects in a simple and direct way, taking as a reference the payback time of the investment in each case.<\/span><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9cfaae elementor-widget elementor-widget-menu-anchor\" data-id=\"d9cfaae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"see-video\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c8abd0 elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"0c8abd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/tkTUfk5EGcU&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-300bbef5 e-con-full e-flex e-con e-child\" data-id=\"300bbef5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1e4618eb e-con-full e-flex e-con e-child\" data-id=\"1e4618eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f02846b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f02846b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Integrate your <strong>ERP<\/strong> with <strong>B2B ecommerce <\/strong>with Stoam SaaS<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-130d2dd9 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"130d2dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.05,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stoamsaas.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More information.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-597569e6 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"597569e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"458\" src=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-1024x586.png\" class=\"attachment-large size-large wp-image-12833\" alt=\"StoamSaaS_ecommerce_b2b_erp_integracion-cta\" srcset=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-1024x586.png 1024w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-300x172.png 300w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-768x440.png 768w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1.png 1500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66faa6f3 elementor-widget elementor-widget-text-editor\" data-id=\"66faa6f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id='how-is-payback-calculated'  id=\"boomdevs_4\"><span style=\"font-weight: 400;\">How is payback calculated?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To calculate the payback of an investment, it is necessary to follow these steps:<\/span><\/p>\n<h3 id='data-collection'  id=\"boomdevs_5\"><span style=\"font-weight: 400;\">Data collection<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Initial investment<\/b>: <span style=\"font-weight: 400;\">Refers to the total amount invested in the project at the beginning of the project.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"text-align: center;\">Annual net cash flows: <\/b><span style=\"font-weight: 400;\">This is the net income generated by the project in each year, after deducting operating expenses and any additional investments.<\/span><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63b41666 elementor-widget elementor-widget-text-editor\" data-id=\"63b41666\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id='2-payback-calculation'  id=\"boomdevs_6\"><span style=\"font-weight: 400;\">2. Payback calculation<\/span><\/h3>\n<\/p>\n<p><span style=\"font-weight: 400;\">The basic formula for calculating payback is as follows:<\/span><\/p>\n<\/p>\n<p><b>Payback = Initial investment \/ Net cash flows per year<\/b><\/p>\n<\/p>\n<h4 id='payback-calculation-example'  id=\"boomdevs_7\"><span style=\"font-weight: 400;\">Payback Calculation Example<\/span><\/h4>\n<\/p>\n<p><span style=\"font-weight: 400;\">Assume the following situation:<\/span><\/p>\n<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Initial investment: \u20ac10,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expected annual net income:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Year 1: \u20ac2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Year 2: \u20ac3,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Year 3: \u20ac4,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Year 4: \u20ac5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Year 5: \u20ac6,000<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We want to calculate in how many years the initial investment will be recovered.<\/span><\/p>\n<\/p>\n<p><b>Step by step:<\/b><\/p>\n<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Year 1:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Accumulated net income: \u20ac2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Remaining investment: \u20ac10,000 &#8211; \u20ac2,000 = \u20ac8,000<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Year 2:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Accumulated net income: \u20ac2,000 + \u20ac3,000 = \u20ac5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Remaining investment: \u20ac10,000 &#8211; \u20ac5,000 = \u20ac5,000<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Year 3:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Accumulated net income: \u20ac5,000 + \u20ac4,000 = \u20ac9,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Remaining investment: \u20ac10,000 &#8211; \u20ac9,000 = \u20ac1,000<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Year 4:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Accumulated net income: \u20ac9,000 + \u20ac5,000 = \u20ac14,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Remaining investment: \u20ac10,000 &#8211; \u20ac14,000 = -\u20ac4,000 (the investment has already been recovered)<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The initial investment of \u20ac10,000 is recovered somewhere between the end of Year 3 and the beginning of Year 4. To be more precise, we calculate the fraction of Year 4 needed to recover the remaining \u20ac1,000: <\/span><\/p>\n<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Net annual income in Year 4: \u20ac5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Therefore, it is recovered in \u20ac1,000 \/ \u20ac5,000 = 0.2 years.<\/span><\/li>\n<\/ul>\n<p><b>Result:<\/b><\/p>\n<\/p>\n<p><b>The payback period is 3 years and an additional 0.2 years, or 3 years and 2.4 months.<\/b><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-702ecc97 elementor-widget elementor-widget-text-editor\" data-id=\"702ecc97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id='3-interpretation-of-the-result'  id=\"boomdevs_8\"><span style=\"font-weight: 400;\">3. Interpretation of the result<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The payback result is expressed in years. A low payback <strong>indicates that the investment is recovered quickly,<\/strong> which makes it more attractive. Conversely, a high payback means that it takes longer to recover the investment, which may imply a higher risk.  <\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86f2a8e elementor-widget elementor-widget-text-editor\" data-id=\"86f2a8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id='limitations-of-payback'  id=\"boomdevs_9\"><span style=\"font-weight: 400;\">Limitations of payback<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While payback is a useful tool for the initial evaluation of investments, it is important to consider its limitations:<\/span><\/p>\n<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>It does not consider the time value of money:<\/b><span style=\"font-weight: 400;\"> Payback does not take into account the fact that money received in the present has a greater value than money received in the future. This can lead to underestimating the profitability of projects that generate significant cash flows in later years. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>It does not reflect total profitability:<\/b><span style=\"font-weight: 400;\"> The payback does not provide information on the total profitability of the project, only the time it takes to recover the initial investment. For a more complete evaluation, it is recommended to use indicators such as the Net Present Value (NPV) or the Internal Rate of Return (IRR). <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sensitivity to cash flows:<\/b><span style=\"font-weight: 400;\"> Payback is very sensitive to changes in projected cash flows. Small variations in revenue or expense estimates can have a significant impact on the payback result. Therefore, it is recommended that a sensitivity analysis be performed to evaluate the impact of payback under different possible scenarios. This involves considering various hypothetical cases where cash flows vary, either positively or negatively, and observing how this changes the payback result.   <\/span><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-294ed6c e-con-full e-flex e-con e-child\" data-id=\"294ed6c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-11cd7966 e-con-full e-flex e-con e-child\" data-id=\"11cd7966\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46c180a3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"46c180a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Transform your<strong> ERP<\/strong> into a powerful <strong>B2B ecommerce<\/strong> system<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa94631 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"aa94631\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.05,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stoamsaas.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More information.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-483693c8 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"483693c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"458\" src=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-1024x586.png\" class=\"attachment-large size-large wp-image-12833\" alt=\"StoamSaaS_ecommerce_b2b_erp_integracion-cta\" srcset=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-1024x586.png 1024w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-300x172.png 300w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-768x440.png 768w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1.png 1500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-195d426a elementor-widget elementor-widget-image\" data-id=\"195d426a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/como-calcular-payback-que-es-1024x683.jpg\" class=\"attachment-large size-large wp-image-13269\" alt=\"como-calcular-payback-que-es\" srcset=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/como-calcular-payback-que-es-1024x683.jpg 1024w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/como-calcular-payback-que-es-300x200.jpg 300w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/como-calcular-payback-que-es-768x512.jpg 768w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/como-calcular-payback-que-es.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e2a822 elementor-widget elementor-widget-text-editor\" data-id=\"70e2a822\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id='conclusion'  id=\"boomdevs_10\"><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Payback is a useful tool for the initial evaluation of investments, but it is important to consider its limitations and complement it with other financial indicators for a more complete decision making process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At <\/span><a href=\"https:\/\/www.stoamsaas.com\/en\/\"><span style=\"font-weight: 400;\">Stoam<\/span><\/a><span style=\"font-weight: 400;\">we offer a <\/span><a href=\"https:\/\/www.stoamsaas.com\/en\/product\/\"><span style=\"font-weight: 400;\">SaaS software<\/span><\/a><span style=\"font-weight: 400;\"> software that allows you to calculate the return on your investments quickly and easily, in addition to providing you with other relevant financial indicators and benefits. <\/span><a href=\"https:\/\/www.stoamsaas.com\/en\/product\/ecommerce-features\/\"><span style=\"font-weight: 400;\">relevant benefits<\/span><\/a><span style=\"font-weight: 400;\"> for the correct operation of your projects.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a1<\/span><a href=\"https:\/\/www.stoamsaas.com\/en\/contact\/\"><span style=\"font-weight: 400;\">Contact us today<\/span><\/a><span style=\"font-weight: 400;\"> today and find out how we can help you!<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64e9adb2 e-con-full e-flex e-con e-child\" data-id=\"64e9adb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1050e442 elementor-widget elementor-widget-text-editor\" data-id=\"1050e442\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Share:<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a42a4ab elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"2a42a4ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_telegram\" role=\"button\" tabindex=\"0\" aria-label=\"Share on telegram\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-telegram\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111 8 0 119 0 256s111 248 248 248 248-111 248-248S385 8 248 8zm121.8 169.9l-40.7 191.8c-3 13.6-11.1 16.9-22.4 10.5l-62-45.7-29.9 28.8c-3.3 3.3-6.1 6.1-12.5 6.1l4.4-63.1 114.9-103.8c5-4.4-1.1-6.9-7.7-2.5l-142 89.4-61.2-19.1c-13.3-4.2-13.6-13.3 2.8-19.7l239.1-92.2c11.1-4 20.8 2.7 17.2 19.5z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_threads\" role=\"button\" tabindex=\"0\" aria-label=\"Share on threads\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-threads\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M331.5 235.7c2.2 .9 4.2 1.9 6.3 2.8c29.2 14.1 50.6 35.2 61.8 61.4c15.7 36.5 17.2 95.8-30.3 143.2c-36.2 36.2-80.3 52.5-142.6 53h-.3c-70.2-.5-124.1-24.1-160.4-70.2c-32.3-41-48.9-98.1-49.5-169.6V256v-.2C17 184.3 33.6 127.2 65.9 86.2C102.2 40.1 156.2 16.5 226.4 16h.3c70.3 .5 124.9 24 162.3 69.9c18.4 22.7 32 50 40.6 81.7l-40.4 10.8c-7.1-25.8-17.8-47.8-32.2-65.4c-29.2-35.8-73-54.2-130.5-54.6c-57 .5-100.1 18.8-128.2 54.4C72.1 146.1 58.5 194.3 58 256c.5 61.7 14.1 109.9 40.3 143.3c28 35.6 71.2 53.9 128.2 54.4c51.4-.4 85.4-12.6 113.7-40.9c32.3-32.2 31.7-71.8 21.4-95.9c-6.1-14.2-17.1-26-31.9-34.9c-3.7 26.9-11.8 48.3-24.7 64.8c-17.1 21.8-41.4 33.6-72.7 35.3c-23.6 1.3-46.3-4.4-63.9-16c-20.8-13.8-33-34.8-34.3-59.3c-2.5-48.3 35.7-83 95.2-86.4c21.1-1.2 40.9-.3 59.2 2.8c-2.4-14.8-7.3-26.6-14.6-35.2c-10-11.7-25.6-17.7-46.2-17.8H227c-16.6 0-39 4.6-53.3 26.3l-34.4-23.6c19.2-29.1 50.3-45.1 87.8-45.1h.8c62.6 .4 99.9 39.5 103.7 107.7l-.2 .2zm-156 68.8c1.3 25.1 28.4 36.8 54.6 35.3c25.6-1.4 54.6-11.4 59.5-73.2c-13.2-2.9-27.8-4.4-43.4-4.4c-4.8 0-9.6 .1-14.4 .4c-42.9 2.4-57.2 23.2-56.2 41.8l-.1 .1z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb2583c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3fb2583c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-228a289b elementor-widget elementor-widget-heading\" data-id=\"228a289b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 id='related-articles'  id=\"boomdevs_11\" class=\"elementor-heading-title elementor-size-default\">Related Articles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49d978cf e-con-full e-flex e-con e-child\" data-id=\"49d978cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-349390f6 e-con-full e-flex e-con e-child\" data-id=\"349390f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116a6b54 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"116a6b54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Automate <\/strong><strong> orders<\/strong> with Stoam SaaS <strong>b2b ecommerce<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6851c5fe elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"6851c5fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.05,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stoamsaas.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More information.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24f89659 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"24f89659\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"458\" src=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-1024x586.png\" class=\"attachment-large size-large wp-image-12833\" alt=\"StoamSaaS_ecommerce_b2b_erp_integracion-cta\" srcset=\"https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-1024x586.png 1024w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-300x172.png 300w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1-768x440.png 768w, https:\/\/www.stoamsaas.com\/wp-content\/uploads\/2024\/07\/StoamSaaS_ecommerce_b2b_erp_integracion-cta-1.png 1500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b7ca31 elementor-author-box--layout-image-above elementor-author-box--align-center elementor-author-box--avatar-yes elementor-author-box--name-yes elementor-author-box--biography-yes elementor-author-box--link-no elementor-widget elementor-widget-author-box\" data-id=\"5b7ca31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/13db6ea91fe438e5eef86f277c1dc9cf02e9aba0e7e07f113bf665a436cf8fce?s=300&#038;d=mm&#038;r=g\" alt=\"Picture of Pablo Mart\u00ednez\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<div class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tPablo Mart\u00ednez\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\tSoy un apasionado del software SaaS con m\u00e1s de 10 a\u00f1os de experiencia en ventas, gesti\u00f3n de cuentas y generaci\u00f3n de contenido. He trabajado con empresas tecnol\u00f3gicas de referencia, ayud\u00e1ndolas a optimizar procesos y aumentar su rentabilidad mediante soluciones innovadoras. Mi enfoque est\u00e1 en entender a fondo las necesidades de los clientes para ofrecerles soluciones que generen resultados concretos y medibles.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is payback and how is it calculated? In the world of finance, sound decision making is the fundamental pillar on which the success of any company is based. Among the wide range of tools available to assess the viability of an investment, the payback, also known as the amortization period, has positioned itself as [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":13273,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[205,80,204],"class_list":["post-13283","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-business","tag-company","tag-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u25b7 What is payback and how is it calculated? | Stoam SaaS<\/title>\n<meta name=\"description\" content=\"Discover how payback is calculated and its importance. 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