Summerfuel finance 2016 class 9 7 20
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This document summarizes key topics from a Summerfuel Finance class, including stock reports, the cost of capital, and developing business plans. It discusses that the cost of capital includes the costs of both debt and equity funding. Debt is typically less expensive but tax deductible, while the cost of equity depends on investors' perceived return relative to risk. It provides formulas to calculate the cost of debt and equity. The document also provides an outline for a business plan and instructs students to work on organizational plans and beginning balance sheets in class.
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·
Your response should be at least 250 words in length.
Question 2
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Sales
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Current ratio
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Total liabilities
$4,000
Accounts payable
$600
My work:
1) ROE = Net Income/Sales x Sales/ Equity (or 12%)
2) ROE = Net Income/ Sales x Sales/Assets x Assets/Equity
or …….(400/5,000) (5,000/ Assets) (Assets/Equity)
3) ROE = (Net Profit Margin) (Asset Turnover) (Equity Multiple)
Side notes:
(Accounts Payable) (Current Ratio) = 1,374/ 600 = 2.29
Current assets = 1,374
Current Liability or Accounts payable = 600
Current ratio = 2.29
2. Your task is to update your firm’s long-term financial model (that was originally prepared last year). In financial modeling, a key assumption involves the firm’s dividend policy, as typically specified by the firm’s payout ratio.
You recognize many differences between today and last year.
Last year, the Treasury Yield Curve was upward sloping. Today, the Treasury Yield Curve is inverted. Last year, the Fed was expected to raise interest rates. Today, the Fed is expected to lower interest rates. We also know the following:
TodayLast year
Forward P/E
16
20
Equity Multiplier
2.50
1.95
Based on the differences described above, would you expect the payout ratio in this year’s financial model to be higher or lower than it was last year? Briefly explain.
Based on the differences above, I expect that the payout ratio in this year’s financial model to be lower along with short term headwinds. The earnings per share is going down and the price is taking a hit. Also, assets are leaning towards the heavier side.
3. Glencore will need to have $3,000 on June 20, 2023 (four years from now) to purchase new equipment. To accumulate this money, it will make four equal investments, with the first of the equal investments beginning one year from now.
a. If Glencore can earn an annual interest rate of 10%, how much must it invest per year?
My work:
P1 = 646.41 x 1.10
P2 = 646.41 x 1.10
P3 = 646.41 x 1.10
P4 = 646.41 x 1.10
Invest per year = $646.41
=PMT (10%,4,0,3000,0)
b. After presenting your findings from the above calculation, Glencore’s CFO asks you to consider an alternative scenario. Both changes are to occur today and will continue throughout the four years. You are to consider both changes simultaneously.
1. The interest rate will increase today and remain at that higher level.
2. There will still be four equal investments, but the first investment will occur immediately.
Without doing any calculations, how would these changes (considered simultaneously) affect your answer in part a? Using no more than 50 words, carefully justify your response. Do not write more 50 words.
My response:
With a higher rate (ex: 12%) Glencore’s money is working harder. If less money is put down, then more money will result in t.
FIN 401 Perfect Education/newtonhelp.com
For more course tutorials visit
www.newtonhelp.com
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
FIN 401 Become Exceptional/newtonhelp.com
For more course tutorials visit
www.newtonhelp.com
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
FIN 401 Doing by learn/newtonhelp.com
This document provides information and instructions for several financial analysis assignments. It includes:
1. Instructions to calculate ratios for a company's balance sheet and income statement and compare to industry averages.
2. Questions about implementing a cash management system and calculating potential interest earnings.
3. Multiple questions calculating present and future values of cash flows using time value of money concepts.
4. Questions calculating a company's weighted average cost of capital and evaluating capital budgeting projects.
The document contains detailed information and calculations required to complete various financial analysis assignments on topics like ratio analysis, time value of money, cost of capital, and capital budgeting.
Chapter 16 Financial Planning
A business plan outlines a company's goals and strategies, including financial projections. It includes sections on the company's mission, market analysis, operations, management, and financial projections. Financial projections show expected income statements, balance sheets, and cash flows. Assumptions are key inputs for the projections. Planning involves iterative forecasting of debt and interest expenses. Simplified percentage of sales methods estimate line items as a percentage of projected sales. More complex plans forecast accounts separately with assumptions about ratios and time lags. Cash budgets project cash inflows and outflows in detail.
Debt financing or equity financing
Businesses may prefer debt financing over equity financing for several reasons:
1) Debt financing allows businesses to maintain full ownership over their company and avoid giving up partial ownership to investors.
2) Debt financing provides tax benefits as principal and interest payments are tax deductible business expenses.
3) After accounting for tax deductions, the effective interest rate of debt financing can be lower than the stated interest rate from lenders.
4) Debt financing is more accessible than equity financing, with over 99% of businesses using debt in the form of loans and lines of credit to obtain capital.
Ratio Analysis and Business Performance – Why Should I Care – Part 2?
The webinar is hosted by David Blain, Partner and Director of McKonly & Asbury’s Entrepreneurial Services Group, and Eric Fischer, Benefits Advisor at American Family Life Assurance Company of Columbus (Aflac).
This webinar is a continuation of the first webinar hosted on May 30, 2019. This webinar focuses on debt covenant and leverage ratios most used and reviewed by banks and other lending institutions. The webinar also focuses on how banks and lending institutions view these ratios and how to best prepare and present your business for compliance with these ratios.
Fin 401 Teaching Effectively--tutorialrank.com
For more course tutorials visit
www.tutorialrank.com
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Capital structure
This document discusses capital structure and the tradeoffs between debt and equity financing. It notes that the two ways for a business to make money are through debt, which requires fixed payments, or equity, where cash flows are left over after debt payments. It then discusses the costs and benefits of using debt, including tax benefits, added management discipline, bankruptcy costs, agency costs, and loss of flexibility. The document analyzes how these factors impact a firm's optimal capital structure and financing decisions.
Fin 401 Effective Communication / snaptutorial.com
This document contains information about several financial analysis assignments and case studies for a course. It includes details about calculating and interpreting financial ratios for a company, analyzing cash flow management strategies, applying time value of money concepts, calculating a weighted average cost of capital, and evaluating capital budgeting projects. The key information provided includes financial statements, industry averages, calculations, and questions to analyze for each case.
Portfolio management
This document discusses the capital structure decision and how to determine the optimal mix of debt and equity financing for a firm. It covers key concepts such as the costs and benefits of debt financing, including tax benefits, added management discipline, bankruptcy costs, agency costs, and loss of flexibility. It also discusses how the weighted average cost of capital is calculated using market values for debt and equity, and how this cost of capital impacts firm valuation. The optimal capital structure balances these various tradeoffs to minimize the WACC and maximize firm value.
Ladder Capital - Bond Investor Presentation (Sept. 2020)
Ladder Capital Corp is a commercial real estate investment trust that provides a presentation on its business. It has a diversified portfolio consisting of $3 billion in commercial real estate loans, $1.3 billion in CRE equity investments such as net lease properties, and $1.5 billion in investment grade CRE securities. It has a conservative leverage ratio of 3.1x adjusted debt to equity and focuses on using unsecured debt and non-recourse financing. The company is led by an experienced management team that has been with the company since inception.
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【业务选择办理准则】
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
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1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
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4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
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国际留学归国服务中心《如何办伦敦大学|学院毕业证认证》《UCL学位证书扫描件哪里买》实体公司，注册经营，行业标杆，精益求精！
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如果你回国在学历认证方面有以下难题请联系我们我们将竭诚为你解决认证瓶颈
1所有材料真实但资料不全无法提供完全齐整的原件。【如：成绩单丶毕业证丶回国证明等材料中有遗失的。】
2获得真实的国外最终学历学位但国外本科学历就读经历存在问题或缺陷。【如：国外本科是教育部不承认的或者是联合办学项目教育部没有备案的或者外本科没有正常毕业的。】
3学分转移联合办学等情况复杂不知道怎么整理材料的。时间紧迫自己不清楚递交流程的。
如果你是以上情况之一请联系我们我们将在第一时间内给你免费咨询相关信息。我们将帮助你整理认证所需的各种材料.帮你解决国外学历认证难题。
国外伦敦大学|学院伦敦大学|学院毕业证offer办理方法：
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6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。吃吃地笑山娃很精神越逛越起劲父亲却越逛越疲倦望着父亲呵欠连天的样子山娃也说困了累了回家吧小屋闷罐一般头顶上的三叶扇彻夜呜呜作响搅得满屋热气腾腾也搅得山娃心烦意乱父亲一上床就呼呼大睡山娃却辗转反侧睡不着山娃一次又一次摸索着爬起来一遍又一遍地用暖乎乎的冷水擦身往水泥地板上一勺一勺的洒水也不知过了多久山娃竟迷迷糊糊地睡着了迷迷糊糊地又闻到了闹钟刺耳的铃声和哐咣的关门声待山娃醒来时父亲早已上班去了床头总们
一比一原版(IC毕业证)帝国理工大学毕业证如何办理
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如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】
1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
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Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Earn a passive income with prosocial investing
Invest in prosocial funds that earn you an income while improving the world
SWAIAP Fraud Risk Mitigation Prof Oyedokun.pptx
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Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
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Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.2. Elemental Economics - Mineral demand.pdf
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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- 1. Summerfuel Finance Class 9: 7-20-2016
- 2. Today Stock Reports The Cost of Capital Debt vs. Equity Work on Your Business Plans
- 3. Stock Reports Today 1. Kaan 2. Gonzalo 3. Francisco 4. Gabriel 5. Mathilda 6. Niki 7. Nasia
- 4. The Cost of Capital The Right Side of the Balance Sheet What is going to cost you to to fund your business Debt vs Equity Debt – typically less expensive Driven by the interest rate environment The specific company’s perceived riskiness to lenders Tax deductible Equity More difficult to quantify Investors perceived potential return vs the perceived risk
- 5. Debt Cost of Debt= Rate*( 1- tax rate) Company's that issue debt /bonds need to obtain a credit rating Standard & Poor’s, Moody’s, Fitch, others Current Rates http://online.wsj.com/mdc/public/page/2_3022-bondbnchmrk.html For your projects assume that you are a AA company and your cost to borrow starts at 3.26% It will then be determined by the market Your company's perceived riskiness vs other companies Debt to Equity Ratio Cashflow, Profitability etc.
- 7. The Cost of Equity The return your company needs to provide to attract equity investors. A formula: Cost of Equity = rfr + beta * ( emr – rfr) The risk free rate + the company’s beta x (the expect market rate – the risk free rate 1. Risk free rate : 10 year US Treasury = 1.6 % 2. Beta of 1.1 for a start up / more volatile 3. The market rate=- S&P 500 index ytd = 6% 1.6% + 1.1 (6%-1.6%) = 6.44% For your projects assume this as a start
- 8. Business Plans Today Continue building your organizational plan Build out your Beginning Balance Sheet For groups decide who will do what
- 9. Balance Sheet 1. Make a complete list of the stuff that you need to run your business 2. Start with an assumption that you need 10% to 20% $ of your total assets as cash Liabilities and Equity 1. Assume that you have 25% of your total assets to put into your company 2. You need to raise the other 75% though either debt or equity
- 10. Business Plan Outline 1. Executive Summary 2. Part I: The Organizational Plan 3. Part II: The Marketing Plan 4. Part III: Financial Documents Work on In Class : Tuesday & Wednesday this week, Monday next week Present next Tuesday and Wednesday You will get out of this what you put into it !