Author: FinancialVeracity

Chip Eng Seng – What really matters in a Stock

as I continue to find the next company for my $2k Construction & Engineering | Founded in 1998 | Build HDB (Pinnacle -famous one)/Condo , Woodlands driving centre Comparison will be done with Low Keng Huat [LKH] (Closest market cap) 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 0.542 (45.8% below its fair value) – (LKH at 0.648) Price to earning ratio : 13.387 (Growing above industry standard – 0.23) – ( LKH at 5.162) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 155.5 ( LKH – 62 )  Capital intensive industry Growth Performance : -17.41% (LKH...

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Can you invest with little money? (Personal Journey)

How can a dollar everyday makes a difference? Have you had this mentality – ” The sum of my money is too small/little to be invested, it will have no impact on anything” or “Wait until I get my bonus/ big pot of gold, then I should start studying and allocating my resource…. but first, I wanna get my gucci” Many have asked me, why do I start investing even thou the money I put in is so small.. Let me put all these in numbers (Example follows from the previous post – Is National Service a good thing? (Financially)...

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Lippo Mall Indonesian Trust – What really matters in a REIT

26 properties (Sumatra & Java) | Founded in 2007 | Wale is at 3.383 (Not that long) Comparison will not be done as I couldn’t find a Indonesian trust listed in SGX 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 0.838 (16.2% cheaper than fair value) Price to earning ratio :  36.087 (Growing above industry standard – 20.971) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 55.308% Growth Performance : -34.65% Current Ratio : 1.135 Cash flow per share : 0.015 (Pay 0.37) Slightly below average management ability (  Negative dividend growth  | Positive net income/gross profit...

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800 Super Holdings – What really matters in a Stock

Waste management, Cleaning , Recycling, Conservancy Horticultural  | Founded in 2011 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 2.362 ( 1.362 above its fair value) Price to earning ratio :  9.823  ( Growing below industry standard – 20.27) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 57.648 Growth Performance : 29.36% Current Ratio : 1.668 Cash flow per share : 0.1483 Average management ability ( Constant dividend growth  | Positive net income/gross profit margin | overall positive cash flow – increased in financing cost) 3) TECHNICAL ANALYSIS As you can clearly see market is making higher...

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Is National Service a good thing? (Financially)

What was used 100 years ago should be used now because no one question it? As educational value and experiences increases in life among the younger generation…Do you guys think National Service should be mandatory? A Financial Example Average working fresh graduate will have a monthly salary of $1,600 [After CPF] and a NS man is about $580. Fresh graduate spends $20 a day, 1 week – $140, 1 month – $560 | Net $1,040 NS man, $40 each weekend (Nights out not included), 1 month – $160 | Net $420  I will not go into details if he...

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RHT Health Trust – What really matters in a Stock ( My second buy of the year)

Operating in India | 12 Clinical Establishments, 4 Greenfield Clinical Establishments and 2 Operating Hospitals | Founded in 2011 Second biggest market cap (Listed on SGX), hence comparison will be done with Raffles Medical Group (RMG) – the 1st 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 0.997 ( .3% cheaper than fair value) – RMG is 4 times its fair value Price to earning ratio :  17.423 ( Growing slower than industry average at 53.916) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 24.544 ( RMG is at 4.679) Growth Performance : -not provided-(...

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Knowing more about Straits Times Index (Technical)

News are always generated through stock prices (Demand/Supply) How can the index chart tells us more about our economy? Understanding the chart, allow us to know the level of demand our index has. Through technical analysis where it states market that makes higher high and higher lows is to be known as a Bull (Up) trend. Above, it is our current index trend. How can knowing the chart help us? Knowing that prices are at a level where overall demand is strong and momentum is appealing to the upside. We might want to find under valued/priced company to buy...

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Tai Sin – What really matters in a Stock ( Hidden gem?!?!)

Happy 2017 everyone Founded in 1980 (36 years of experience) | Manufacturing, Distribution & Services | Operates in Singapore, Malaysia, Vietnam, Brunei & Indonesia | I’ll be using ISDN Holding as a fair comparison (In terms of years and market cap) 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 0.976 (2.4% undervalued of its actual value) Price to earning ratio :  6.728 (Industry standard harder to determine as alot of numbers are not provided) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 18.184 (Worst than ISDN 8.216) Growth Performance : 15.90% ( Better than ISDN...

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ThaiBev – What really matters in a Stock

Established in 2003 (Merging of all 58 companies) | 63 Subsidiaries  | Spirits , Beer , alcoholic drinks and food | 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 4.49 (3.39 times overvalued of its actual value) Price to earning ratio :  21 (Growing below industry standard – 24.465) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 38.6 %  – Better than F&N (434.7%) Growth Performance : 20.19% – Better than F&N (-21.96%) Current Ratio : 1.527 (F&N is at 3.605) Cash flow per share : 0.0473 ( You’re paying 21 Bhat) Good management ability...

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Courts – What really matters in a Stock

Everybody knows this brand means good? Listed on SGX 2012 | Indonesia, Malaysia & Singapore | 1.3 million Home Club members 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 0.789 (21.1% below fair value) Price to earning ratio : 9.664 ( Growing below industry standard at 13.45 – but still better than Challenger) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 110% ( High reliance on financing – 4,583 worst than Challenger) Growth Performance : -25.13% ( Better than Challenger – growth rate is 1.8%) Current Ratio : 2.664 (lower than Challenger by 0.95) Cash flow per share :...

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InvestingNote – An investor’s dream

what honestly could be better than this a social network of experts? A social space where every individual can share and learn more about a particular stock. So how great is it? – 3 Main features that will blow your mind 1) Event Calendar – Fully automated!! (Everything is keyed inside it) It includes companies AGM/EGM, corporate actions and result release. These are the times where stock prices are volatile, which means, allowing you to purchase them at a cheaper price or these are the times where are trader could liquidate their positions. 2) Charts  – Drawable ( Allows you...

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How much stocks should I buy?

When/what is sufficient for me? Recently I’ve been asked by a Friend on how much should he be investing if he has $20,000….. My question back to him is this… What kind of life do you truly want to live in the next 20-30 years ? The fundamental question that everybody tends to neglect or thinks that he/she has the answered to it. In order to know how much stocks you should buy/invest, you need to have the answers to these 3 questions. 1) What are your current spending habits? – Both fixed and variable expenses (% of your...

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Challenger – What really matters in a Stock (It’s a buy!)

finally all the wait has paid off…. Establish in 1984 | 47 Stores | 500,000 loyal members | 12 years of paying dividend (searchable) 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 1.997 ( 99.7% above fair value) Price to earning ratio : 8.99 ( Growing below Industry average at 13.45) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 2.8% ( Low reliance on financing) Growth Performance : 1.8% ( Better than Courts – growth rate is at -25.13%) Current Ratio : 3.552 (Higher than Courts by 0.95) Cash flow per share : 0.56...

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When should you buy more shares?

Apologies for the missing photos and missing post the past week as I have just came back from a holiday in Thailand As you would have seen the increasing amount of articles on how Singapore’s stocks prices are dropping like grapes… it leaves us to two questions… 1.SHOULD WE SELL OUR POSITIONS? This question allows you to reflect on your understanding of your stock holdings (Why you purchase it initially?). Ideally (If you did not buy it through a “gambling” methodology), we will be seeking to learn more about the company and finally, having a strong financial justification on whether we should hold/sell our...

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Prudential – What really matters in a Stock (Is insurance company that safe?)

  Founded in 1848 in London | 24 Million insurance customers | 562 (Pound) billion of asset under management | Asia, US, UK | ” Comparison will be done with Great Eastern, as both companies holds the biggest market shares & are listed on SGX “ 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 2.693 (1.693 times price above fair value) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 69.78% ( 11 times higher than Great Eastern) – numbers are taken from Financial Times Growth Performance : 12.26% ( Growing faster than Great Eastern by 25% annually) Current...

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