This document contains:
1) An overview of Cardinal Health's Q2 FY2009 earnings results, reporting 8% revenue growth and mixed results across business segments.
2) Comments from executives on the Healthcare Supply Chain Services and Clinical and Medical Products segments, noting challenges from capital spending deferrals.
3) Cardinal Health's financial goals for FY2009, which include 6-7% revenue growth and $3.50-$3.60 non-GAAP EPS.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
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1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
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I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
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Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
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7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
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how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
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how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Which Crypto to Buy Today for Short-Term in May-June 2024.pdf
Cardinal Health Q2 2009 Earnings Presentation
1. Q2FY2009
Investor/Analyst Call
Essential to care
February 5, 2009
2. Forward-looking statements and
GAAP reconciliation
This presentation contains forward-looking statements addressing expectations, prospects, estimates and other matters that are
dependent upon future events or developments. These matters are subject to risks and uncertainties that could cause actual
results to differ materially from those projected, anticipated or implied. The most significant of these uncertainties are described in
Cardinal Health's Form 10-K, Form 10-Q and Form 8-K reports (including all amendments to those reports) and exhibits to those
reports, and include (but are not limited to) the following: uncertainties related to the deferral in hospital capital spending affecting
Cardinal Health's Clinical and Medical Products segment and difficulties in forecasting the exact duration and potential long-term
changes in hospital spending patterns; uncertainties regarding the planned spinoff of the clinical and medical products businesses
as a new stand-alone entity, including the timing and terms of any such spinoff and whether such spinoff will be completed, and
uncertainties regarding the impact of the planned spinoff on Cardinal Health, the new clinical and medical products company and
the potential market for their respective securities; competitive pressures in Cardinal Health's various lines of business; the loss of
one or more key customer or supplier relationships or changes to the terms of those relationships; uncertainties relating to timing
of generic and branded pharmaceutical introductions and the frequency or rate of branded pharmaceutical price appreciation or
generic pharmaceutical price deflation; changes in the distribution patterns or reimbursement rates for health-care products and/or
services; the results, consequences, effects or timing of any inquiry or investigation by any regulatory authority or any legal or
administrative proceedings; future actions of regulatory bodies or government authorities relating to Cardinal Health's
manufacturing or sale of products and other costs or claims that could arise from its manufacturing, compounding or repackaging
operations or from its other services; the costs, difficulties and uncertainties related to the integration of acquired businesses;
uncertainties related to the recent disruptions in the financial markets, including uncertainties related to the availability and/or cost
of credit for Cardinal Health; the potential impact on Cardinal Health’s customers and vendors of declining economic conditions,
which could impact Cardinal Health’s earnings and cash flow; and conditions in the pharmaceutical market and general economic
and market conditions. This presentation reflects management's views as of Feb. 5, 2009. Except to the extent required by
applicable law, Cardinal Health undertakes no obligation to update or revise any forward-looking statement. In addition, this
presentation includes non-GAAP financial measures. Cardinal Health provides definitions and reconciling information at the end of
this presentation and on its investor relations page at www.cardinalhealth.com. A transcript of the conference call will be available
on the investor relations page at www.cardinalhealth.com.
2
3. Agenda
Opening remarks Kerry Clark
Chairman and Chief Executive Officer
Financial overview Jeff Henderson
Chief Financial Officer
HSCS comments George Barrett
Vice Chairman and CEO
Healthcare Supply Chain Services
CMP comments Dave Schlotterbeck
Vice Chairman and CEO
Clinical and Medical Products
Q&A
3
6. Q2 FY2009 Operating Earnings and EPS
Q2 FY 2009 Q2 FY 2008
Diluted EPS from Diluted EPS from
Operating Continuing Operating Continuing
Earnings ($M) Operations Earnings ($M) Operations
GAAP consolidated $538 $0.88 $519 $0.89
Special items (Note) $20 $0.04 $30 $0.05
Impairments, (gain)/loss on sale of assets and other,
net (Note) $7 $0.01 ($23) ($0.04)
Spinoff costs not included in special items or
impairments, (gain)/loss on sale of assets and other,
net (Note) $0.4 $0.00 - -
Non-GAAP consolidated $565 $0.93 $526 $0.90
Note: Costs associated with the spinoff are as follows:
Spinoff costs included in special items or
impairments, (gain)/loss on sale of assets and other,
net $14.1
Spinoff costs not included in special items or
impairments, (gain)/loss on sale of assets and other,
net $0.4
Total spinoff costs $14.5
6
7. Healthcare Supply Chain Services
Business Analysis
Q2 FY09 Q2 FY08
($M) ($M) % Change
Revenue 24,096 22,346 8%
Segment Profit 333 315 6%
Highlights:
• Total revenue up 8% on growth in the pharma and medical supply chain business
• Revenue from bulk pharmaceutical customers1 up 15% on increased volumes from existing
customers
• Revenue from non-bulk pharmaceutical customers2 up 2%, driven by growth in the hospital
market and the Borschow acquisition, partially offset by the previously reported shift in volume
from non-bulk to bulk from a large customer and residual impact of controlled substance anti-
diversion
• Segment profit up 6%, driven by increased profit dollars from generic products, branded price
inflation, sales volume growth, and strong performance in nuclear pharmacy, partially offset by
pharma customer repricings and controlled substance anti-diversion impact
1Bulk pharmaceutical customers consist of Healthcare Supply Chain Services customers to which the segment distributes
pharmaceutical, radiopharmaceutical and over-the-counter health care products to the customers’ centralized warehouse
operations and mail order businesses
2Non-bulk pharmaceutical customers consist of Healthcare Supply Chain Services customers to which the segment
7
distributes pharmaceutical, radiopharmaceutical and over-the-counter health care products other than bulk customers
8. Clinical and Medical Products
Business Analysis
Q2 FY09 Q2 FY08
($M) ($M) % Change
Revenue 1,215 1,133 7%
Segment Profit 198 171 16%
Highlights:
• Segment revenue up 7% over prior year due to organic growth in dispensing, infusion, and infection
prevention, and the Enturia acquisition, partially offset by the negative impact of foreign exchange
• Segment profit up 16% on the Enturia acquisition and organic growth, significantly dampened by the
impact of foreign exchange and the residual impact of the increases in the cost of raw materials
• Enturia performing above expectations
• Committed contracts across infusion, dispensing, respiratory are challenged due to hospital capital
spending deferral
8
9. FY09 Financial Goals
February 5, 2009
Total revenue growth:
6-7%
Non-GAAP EPS1: $3.50 - $3.60
Revenue Profit
Segment Growth Growth
Healthcare Supply Chain Services (HSCS) >6% Flat to (5%)
Flat to better
Clinical and Medical Products (CMP) Flat to better
1 Non-GAAP diluted earnings per share from continuing operations
9
10. FY09 Assumptions Update:
February 5, 2009
• Capital deployment
– Share repurchases to no more than offset equity compensation issuances
– Expect to continue regular $0.14 quarterly dividend until spinoff is completed
• Portfolio rationalization/review
– MedSystems sale closed 8/29/08
– Tecomet sale closed 9/26/08
– Review of Medicine Shoppe International and Pharmacy Services ongoing
• Non-GAAP effective tax rate of ~34% for the year
• Interest and other slightly above $200M for the year
• Special items, impairment and other costs related to spinoff not included in guidance
– Anticipate a significant portion of costs related to spinoff may be classified as special
items in accordance with company practices
– May incur in the range of $200M - $230M in expenditures in connection with the spinoff up
to and including the effective date
10
11. HSCS Update
• Pharmaceutical
– All controlled substances distribution centers on-line
– Regaining momentum with non-bulk customers
– Solid progress with generic programs
– Strong nuclear pharmacy quarter, with new contracts signed
• Medical
– Solid quarter in Med Supply Chain with double-digit profit
growth
– Continued focus on efficiency and SKU management
11
12. CMP Update
• Q2 results solid despite challenging market climate
– Organic growth in dispensing, infusion, infection prevention
– Strong contribution from Enturia
– Substantial, negative impact from F/X, commodities
• FY09(E) segment profit flat or better vs. FY08
– Disposables (~40% of sales) are steady, recurring stream
– Hospitals deferring capital spending
– Investment in R&D continues
• Future growth drivers
– Pipeline of innovative, clinically differentiated products
– Strong global expansion opportunities
– Differentiated focus on patient safety
12
14. FY 2009 Priorities
• Continue to invest in enhancing quality and
regulatory systems
• Return HSCS to steady growth
• Continue to invest in CMP growth
Complete integrations (VIASYS®, Enturia, Borschow)
•
• Prepare organization for and execute spinoff
14