# Net Present Value

Discounted cash flows, with the invest-or-reject answer they imply — the first line of every investment case.

- Method: `GET`
- Path: `/v1/finance/npv`

**Parameters**

| Name | Type | | Description |
|---|---|---|---|
| `rate_pct` | number | required | Discount rate in percent per period. |
| `cashflows` | string | required | Comma-separated, starting with period 0 — the investment, usually negative. |

**Example request**

```bash
curl https://api.diraz.ae/v1/finance/npv \
  -H "Authorization: Bearer drz_live_…"
```

**Example response**

```json
{
  "data": {
    "rate_pct": 10,
    "cashflows": [-1000, 500, 500, 500],
    "npv": 243.43,
    "recommendation": "invest"
  },
  "meta": {
    "request_id": "req_7Q2fK4mZ"
  }
}
```