Zephyr Financial Technolgies


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Zephyr Financial Technolgies

  1. 1. Financial Technologies Sector: Software, Financial Intelligence NYSE/Euronext XBRL PRODUCT A 1 3 4 B 2 C DISCLAIMERThis Document has been prepared by Zephyr Financial Technologies LTD, No representation or warranty, expressed or im-plied, is made by the Zephyr as to the accuracy or completeness of the information, data and assumptions contained within,or of any written or oral communication transmitted or made available. Nothing in this document is, or shall be relied upon as,a promise or representation, whether as to the past or future performance of the Company. All Estimates and/or projectionscontained herein and in the financial model, has been based on the information currently available to the Company and mayinvolve subjective judgements and analysis. Accordingly, the Company as to their attainability makes no representation orassurance. THe information contained herein is confidential information. It and any further confidential information madeavailable must be held in complete confidence and documents containing such information may not be reproduced, used ordisclosed without prior written consent of the Company. All communications, inquires and requests for information relating tothe is information should be directed to : Bryan Feinberg CEO at Bryan@zephyrnet.com
  2. 2. OpportunityDefine, Design, Deploy XBRL Data Analytic Product for NYSE/Product Division.ProductXBRL based Dashboard Data Product providing on the fly access to fullfundamental balance sheet run & financial ratio extraction for all NYSE listedcompanies.Model: Licensed Application to ExchangeSubscription with Rev Share to End UsersXBRL Data Platform Provider: Edgar OnlineWeb Based/XBRL CloudFinancial Dashboard ContentSummary Content AreasDetailed Dashboard view of Company includes:CIK Number/Full Contact Details/Industry Classification/Sector ClassificationCompany DescriptionStock Information (time delayed)Financials (Income Statement, Balance Sheet, Cash Flow, Ratios)Latest Filings (Multiple Views)Institutional Holding SummaryCompany NewsSOX Compliance CertificationIndustry & Sector Database SearchTranscriptsGlobal Reports (Annual & Interim Company Reports)FinancialsBalance SheetIncome StatementCash FlowEstimatesRatiosFinancial Comparison vs Other companiesSec FilingsAll Filings Zephyr Financial Technologies LTD. All Rights Reserved 2009 Confidential
  3. 3. OwnershipSummaryInsider TradesInsider FilingsInstitutional Holders/5% Ownership FilingsMarket Capitalization:Market Capitalization is based on Fully Diluted shares outstanding and calculatedas of the last period end date using shares outstanding and the closing day price asof that date.Recognized Revenues:The aggregate amount for revenues earned during reporting entitys normaloperating business (e.g. sale of goods, providing services, or other majoroperations) for an accounting period.) report total revenues.Financial statements vary across sectors, industries and companies. Currentlythere are no standardized requirements for the level of detail companies mustprovide in financial reports. Some companies only provide a summary level of detailfor revenues or cost of sales, while others list all components of their streams ofrevenues and cost of goods and services. We have made every effort to provide alevel of detail that captures detail when it is provided by the companies via theirfilingsRecognized Revenues (Prior Period):Recognized Revenue Prior Period is based upon year prior to input time period. Ifusing H1 or H2, the calculation would use H1 or H2 from the prior year.Recognized Revenue + Change in Deferred Revenue:We include the change in short term deferred revenues as an imperfect proxy forbookings.Short-term Deferred Revenue:Current obligation of unearned revenue, including refund obligations due within oneyear or one business cycle.Total Cost of Revenue:The aggregate amount for purchase price (for retailers) or production costs (formanufacturers) associated with items sold during an accounting period and costsincurred for services delivered during that period.S&M Expenses:Sales and Marketing are a category of expenses directly related to the marketing orselling of products or services.G&A Expenses:G&A are generally recurring costs associated with normal operations and currentlychargeable against revenue, excluding those directly related to the marketing orselling of products or services.SG&A Expenses: Zephyr Financial Technologies LTD. All Rights Reserved 2009 Confidential
  4. 4. Sales, General & Administrative expenses are the generally recurring costsassociated with normal operations and currently chargeable against revenueincluding those directly related to the marketing or selling of products and/orservices. The aggregate amount for Selling, General and Administrative Expensesincurred during an accounting period; they are major operating expenses to areporting entity. Some companies do not break out S&M or G&A. In these casesS&M and G&A expenses are rolled into SG&A expenses.R&D Expenses:Research and Development expenses are the aggregate costs incurred during anaccounting period to research and develop new products/technologies when thetechnological feasibility has not been reached (such costs should be capitalizedrather than expensed after reaching technological feasibility). Research anddevelopment includes engineering expenses.Total Operating Expenses:The aggregate amount for periodic, non-manufacturing costs incurred duringreporting entitys normal operating activities; generally may be classified intoselling expenses (e.g. advertising expenses, storage/shipping expenses) andgeneral & administrative expenses (e.g. ECOs compensation, insurance expenses).Total Operating Expenses excludes Cost of Revenues and Cost of Services.Gross Profit:Gross Profit is defined as Operating Revenue less Cost of Goods and/or ServicesSold.Operating Income/(Loss):Operating Income/(Loss) is defined as Gross Profit less operating expenses.Net Income/(Loss):Net Income is defined as all revenue less all expenses.Pre-tax Income/(Loss):Pre-tax Income/ Loss is defined as Income/(Loss) from Continuing OperationsBefore Income Taxes. It is the sum of operating profit and non-operating income/(expense).EBITDA:EBITDA is defined as Revenue less Expenses (excluding tax, interest, depreciation,and amortization).Total Capital:Total Capital is the sum of all equities and total debt of a company. Total Capital =Total Stock Holders Equity + Total Debt + Minority Interest.Cash and Cash Equivalents:Cash and Cash Equivalents are the most liquid category of current assets, includingmoney on hand, in bank, and very short-term investment (with maturity of 90 daysor less) that is ready to be converted to cash with known amount. Cash and short-term, highly liquid investments are readily convertible to known amounts of cashand are so near their maturity that they present negligible risk of changes in valuedue to changes in interest rates - usually with an original maturity less than 90 days. Zephyr Financial Technologies LTD. All Rights Reserved 2009 Confidential
  5. 5. This includes restricted cash, treasury bills, commercial paper and money marketfunds and other operating cash balances.Accounts Receivable:Aggregate amount to be collected by the reporting entity that will be due on account(Accounts Receivable) or on written promise to pay (Notes Receivable), net of anyallowance for uncollectible amounts.Current Assets:Sum of all current assets - those assets that are reasonably expected to be realizedin cash or sold or consumed within a year or within the normal operating cycle ofthe entity.Accounts Payable:Obligations arising from transactions conducted on open account due within oneyear or one operating cycle.Current Liabilities:Total obligations incurred as part of normal operations that is expected to be repaidduring the following twelve months or one business cycle.Long Term Debt:Portion of long-term debt that is due greater than one year in the future.Total Liabilities:Probable future sacrifices of economic benefits arising from present obligations ofan entity to transfer assets or provide services to other entities in the future.Operating Ratios:Gross Margin:Gross Margin is defined as the margin available to cover expenses other than costof goods sold. The calculation is Gross Profit / Total Revenue.Operating Margin:Operating Margin measures pricing strategy and operating efficiency. Analysis ofoperating margin is best used when comparing one companys operating margin tothat of its competitors. A higher margin is better for the company. The calculation isOperating Income / Total Revenue.Pre-Tax Margin:Pre-Tax Margin is defined as the amount the company is able to convert fromrevenue to profit (pre-tax). The calculation is Earnings before tax / Total Revenue.Net Margin:Net Margin is calculated as Net Income/ Total Revenue.Growth Rates:Revenue Growth Estimate: Zephyr Financial Technologies LTD. All Rights Reserved 2009 Confidential
  6. 6. Revenue Growth Estimate is calculated using the mean consensus sales estimatefor the fiscal year end.3 Year Revenue CAGR:3 Year Revenue CAGR measures the compound annual growth rate for Revenueover last 3 Years.Mean Analyst Revenue Estimate:Mean Analyst Revenue Estimate is for the current fiscal year ONLY. This estimate isvalid only for the unfinished year that is not yet reported. Analyst estimates areexpectations of what a company will report in the future.Head-count and Employee Productivity Ratios:Head-count totals are based on the end of the last reported fiscal year. For example,if you are looking at a report for Q2 2008, the ratio of Revenue per Employee wouldtake Q2 2008 revenue divided by end of 2007 head-count.Liquidity Ratios:Cash Ratio:Cash ratio is defined as Cash and Cash Equivalents/ Current Liabilities. Thisillustrates the ability of a company to meet its current obligations with cash andcash equivalents.Current Ratio:Current Ratio is defined as Current Assets/Current Liabilities. This ratio illustratesthe ability of a company to meet its current obligations with its most liquid assets.Accounts Payable Turnover Days:Accounts Payable Turnover Days. This represents the average number of days ittakes the company to pay its suppliers.Accounts Receivable Days Outstanding:Accounts Receivable Days Outstanding is defined as the average number of days ittakes the company to collect receivables. The calculation is 365 / AccountsReceivable Turnover (TTM)Long Term Debt to Total Capital Ratio:Long Term Debt to Total Capital Ratio. Long Term Debt to Total Capital is a leverageratio which compares the companys long-term debt to its available capital. Thecalculation is Long Term Debt / Total Capital. Zephyr Financial Technologies LTD. All Rights Reserved 2009 Confidential