cash flow – Piazza Carlo Giuliani http://piazzacarlogiuliani.org/ Sat, 05 Mar 2022 08:33:21 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://piazzacarlogiuliani.org/wp-content/uploads/2021/03/cropped-icon-1-32x32.png cash flow – Piazza Carlo Giuliani http://piazzacarlogiuliani.org/ 32 32 Should you investigate RBG Holdings plc (LON:RBGP) at £1.02 in the UK? https://piazzacarlogiuliani.org/should-you-investigate-rbg-holdings-plc-lonrbgp-at-1-02-in-the-uk/ Sat, 05 Mar 2022 08:33:21 +0000 https://piazzacarlogiuliani.org/should-you-investigate-rbg-holdings-plc-lonrbgp-at-1-02-in-the-uk/

While RBG Holdings plc (LON:RBGP) may not be the best-known stock right now, it has seen significant price moves over the past few months on AIM, reaching highs from UK£1.37 and falling to lows of UK£1.02. . Certain movements in the stock price can give investors a better opportunity to get into the stock and potentially buy at a lower price. A question that needs to be answered is whether RBG Holdings’ current trading price of UK£1.02 reflects the true value of the small cap? Or is it currently undervalued, giving us the opportunity to buy? Let’s take a look at the outlook and value of RBG Holdings based on the most recent financial data to see if there are any catalysts for a price change.

Check out our latest analysis for RBG Holdings

What is the opportunity at RBG Holdings?

Good news for investors – RBG Holdings is still trading at a fairly cheap price according to my multiple price model, where I compare the company’s price-earnings ratio to the industry average. In this case, I used the Price/Earnings (PE) ratio since there is not enough information to reliably predict the stock’s cash flow. I find RBG Holdings’ ratio of 11.67x to be below its average of 25.46x, indicating that the stock is trading at a lower price than the professional services sector. However, there may be another chance to buy again in the future. This is because RBG Holdings’ beta (a measure of stock price volatility) is high, meaning its price movements will be exaggerated relative to the rest of the market. If the market is bearish, the company’s stock will likely fall more than the rest of the market, providing an excellent buying opportunity.

What does the future of RBG Holdings look like?

TARGET: RBGP Earnings and Revenue Growth March 5, 2022

Future prospects are an important aspect when considering buying a stock, especially if you are an investor looking to grow your portfolio. Buying a big company with solid prospects at a cheap price is always a good investment, so let’s also take a look at the company’s future expectations. With revenues expected to grow 38% over the next year, the future looks bright for RBG Holdings. If the level of spending can be maintained, it looks like higher cash flow is expected for the stock over the coming year, which should translate into a higher valuation for the stock.

What does this mean to you :

Are you a shareholder? Given that RBGP is currently trading below the industry PE ratio, now may be the perfect time to build up more of your holdings in the stock. With an optimistic outlook on the horizon, it appears that this growth has yet to be fully priced into the stock price. However, there are also other factors such as the capital structure to consider, which could explain the current price multiple.

Are you a potential investor? If you’ve been watching RBGP for a while, it might be time to get into the stock. Its prosperous future prospects are yet to be fully reflected in the current share price, meaning it’s not too late to buy RBGP. But before making investment decisions, consider other factors such as the track record of its management team, in order to make an informed assessment.

So while earnings quality is important, it is equally important to consider the risks that RBG Holdings currently faces. For example, we found 3 warning signs which you should browse to get a better picture of RBG Holdings.

If you are no longer interested in RBG Holdings, you can use our free platform to view our list of over 50 other stocks with high growth potential.

This Simply Wall St article is general in nature. We provide commentary based on historical data and analyst forecasts only using unbiased methodology and our articles are not intended to be financial advice. It is not a recommendation to buy or sell stocks and does not take into account your objectives or financial situation. Our goal is to bring you targeted long-term analysis based on fundamental data. Note that our analysis may not take into account the latest announcements from price-sensitive companies or qualitative materials. Simply Wall St has no position in the stocks mentioned.

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Hecla Mining Company (NYSE:HL) – A look at Hecla Mining’s debt https://piazzacarlogiuliani.org/hecla-mining-company-nysehl-a-look-at-hecla-minings-debt/ Fri, 18 Feb 2022 14:41:00 +0000 https://piazzacarlogiuliani.org/hecla-mining-company-nysehl-a-look-at-hecla-minings-debt/

Shares of Hecla Mining (NYSE:HL) is down 8.58% over the past three months. Before understanding the importance of debt, let’s take a look at how much debt Hecla Mining has.

Watch this: Boeing and 3 other stocks bought by insiders

Hecla Mining debt

According to Hecla Mining’s most recent balance sheet, released on November 5, 2021, total debt stands at $527.11 million, including $516.25 million in long-term debt and $10.86 million in current debt. After adjusting for $190.90 million in cash equivalents, the company has a net debt of $336.21 million.

Let’s define some of the terms we used in the paragraph above. Current debt is the portion of a company’s debt that is due within one year, while long-term debt is the portion due in more than one year. Cash equivalents include cash and all liquid securities with maturities of 90 days or less. Total debt equals current debt plus long-term debt minus cash equivalents.

Investors look at the debt-to-equity ratio to understand a company’s financial leverage. Hecla Mining has total assets of $2.67 billion, bringing the debt ratio to 0.2. Typically, a leverage ratio greater than one indicates that a significant portion of debt is asset-funded. A higher debt-to-equity ratio may also imply that the company could be at risk of default if interest rates were to rise. However, debt ratios vary widely from industry to industry. A debt ratio of 25% may be higher for one industry and average for another.

Why Debt Matters

Debt is an important factor in a company’s capital structure and can help it achieve growth. Debt typically has a relatively lower cost of funding than equity, making it an attractive option for executives.

However, due to interest payment obligations, a company’s cash flow may be affected. Equity holders can retain excess profits, generated by debt capital, when companies use debt capital for their business operations.

Looking for stocks with low leverage ratios? Check out Benzinga Pro, a market research platform that gives investors near-instant access to dozens of stock market metrics, including leverage ratio. Click here to find out more.

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Dun & Bradstreet Corporation (The) (NYSE:DNB) – What Does Dun & Bradstreet Hldgs Debt Look Like? https://piazzacarlogiuliani.org/dun-bradstreet-corporation-the-nysednb-what-does-dun-bradstreet-hldgs-debt-look-like/ Mon, 14 Feb 2022 14:45:00 +0000 https://piazzacarlogiuliani.org/dun-bradstreet-corporation-the-nysednb-what-does-dun-bradstreet-hldgs-debt-look-like/

Over the past three months, shares of Dun & Bradstreet Hldgs (NYSE:DNB) fell 2.19%. Before understanding the importance of debt, let’s take a look at how much debt Dun & Bradstreet Hldgs has.

Debt of Dun & Bradstreet Hldgs

Based on Dun & Bradstreet Hldgs balance sheet as of November 4, 2021, long-term debt is $3.54 billion and current debt is $28.10 million, for a total debt of $3.57 billions of dollars. Adjusted for $234.40 million in cash equivalents, the company’s net debt is $3.34 billion.

Let’s define some of the terms we used in the paragraph above. Current debt is the portion of a company’s debt that is due within one year, while long-term debt is the portion due in more than one year. Cash equivalents include cash and all liquid securities with maturities of 90 days or less. Total debt equals current debt plus long-term debt minus cash equivalents.

Shareholders look at the debt ratio to understand a company’s financial leverage. Dun & Bradstreet Hldgs has total assets of $9.75 billion, bringing the debt ratio to 0.37. Typically, a leverage ratio greater than one indicates that a significant portion of debt is asset-funded. A higher debt-to-equity ratio may also imply that the company could be at risk of default if interest rates were to rise. However, debt ratios vary widely from industry to industry. A debt ratio of 35% may be higher for one industry and normal for another.

Why Debt Matters

Debt is an important factor in a company’s capital structure and can help it achieve growth. Debt typically has a relatively lower cost of funding than equity, making it an attractive option for executives.

Interest payment obligations can impact the company’s cash flow. Having financial leverage also allows companies to use additional capital for business operations, allowing shareholders to retain excess profits generated by debt capital.

Looking for stocks with low leverage ratios? Check out Benzinga Pro, a market research platform that gives investors near-instant access to dozens of stock market metrics, including leverage ratio. Click here to find out more.

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Is Aston Martin Lagonda Global Holdings plc (LON:AML) potentially undervalued? https://piazzacarlogiuliani.org/is-aston-martin-lagonda-global-holdings-plc-lonaml-potentially-undervalued/ Sat, 29 Jan 2022 07:09:30 +0000 https://piazzacarlogiuliani.org/is-aston-martin-lagonda-global-holdings-plc-lonaml-potentially-undervalued/

Aston Martin Lagonda Global Holdings plc (LON:AML), may not be a large-cap stock, but it has garnered a lot of attention due to substantial price movement on the LSE in recent months , rising to UK£17.92 at one point, and falling to a UK low of £11.41. Certain movements in the stock price can give investors a better opportunity to get into the stock and potentially buy at a lower price. One question to answer is does Aston Martin Lagonda Global Holdings’ current trading price of £11.62 in the UK reflect the true value of the small cap? Or is it currently undervalued, giving us the opportunity to buy? Let’s take a look at the outlook and value of Aston Martin Lagonda Global Holdings based on the most recent financial data to see if there are any catalysts for a price change.

See our latest analysis for Aston Martin Lagonda Global Holdings

What is Aston Martin Lagonda Global Holdings worth?

Good news, investors! Aston Martin Lagonda Global Holdings is still a bargain right now. According to my assessment, the intrinsic value of the stock is £14.57, but it is currently trading at £11.62 in the equity market, which means there is still a buying opportunity now. What is more interesting is that the Aston Martin Lagonda Global Holdings stock price is quite volatile, which gives us more of a chance to buy since the stock price could go down (or up) at the end of the day. ‘to come up. This is based on its high beta, which is a good indicator of how the stock is doing relative to the rest of the market.

Can we expect growth from Aston Martin Lagonda Global Holdings?

LSE: AML Earnings and Revenue Growth January 29, 2022

Future prospects are an important aspect when considering buying a stock, especially if you are an investor looking to grow your portfolio. Although value investors argue that it is intrinsic value relative to price that matters most, a more compelling investment thesis would be high growth potential at a cheap price. With profits expected to increase by 76% over the next two years, the future looks bright for Aston Martin Lagonda Global Holdings. It seems that a higher cash flow is expected for the stock, which should translate into a higher valuation of the stock.

What does this mean to you :

Are you a shareholder? Given that AML is currently undervalued, now may be the perfect time to accumulate more of your stock holdings. With a positive outlook on the horizon, it appears that this growth has yet to be fully priced into the stock price. However, other factors such as capital structure must also be taken into account, which could explain the current undervaluation.

Are you a potential investor? If you’ve been keeping tabs on AML for a while, it might be time to take the plunge. Its buoyant future outlook is not yet fully reflected in the current share price, meaning it’s not too late to buy AML. But before making investment decisions, consider other factors such as the track record of its management team, in order to make an informed investment decision.

So, if you want to dig deeper into this stock, it is crucial to consider the risks it faces. During our analysis, we found that Aston Martin Lagonda Global Holdings had 2 warning signs and it would be unwise to ignore them.

If you are no longer interested in Aston Martin Lagonda Global Holdings, you can use our free platform to view our list of over 50 other stocks with high growth potential.

This Simply Wall St article is general in nature. We provide commentary based on historical data and analyst forecasts only using unbiased methodology and our articles are not intended to be financial advice. It is not a recommendation to buy or sell stocks and does not take into account your objectives or financial situation. Our goal is to bring you targeted long-term analysis based on fundamental data. Note that our analysis may not take into account the latest announcements from price-sensitive companies or qualitative materials. Simply Wall St has no position in the stocks mentioned.

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7 tips for efficient and ethical invoicing in the practice of law https://piazzacarlogiuliani.org/7-tips-for-efficient-and-ethical-invoicing-in-the-practice-of-law/ Tue, 04 Jan 2022 18:44:26 +0000 https://piazzacarlogiuliani.org/7-tips-for-efficient-and-ethical-invoicing-in-the-practice-of-law/

Asking a portion of these costs upfront will help you immediately establish a professional and mutually respectful relationship with your client.


Looking at the business world as a whole, we can easily see that law firms are in a unique position when it comes to dealing with their clients. While they operate much like any other firm in every other industry, the nature of the services law firms provide puts them a bit off their client’s radar compared to other more cautious companies. billing.

This can create a lot of uncertainty, delays, ghost images and strained relationships when it comes to billing those invoices. Keeping in mind that in the practice of law a good RC and a good customer experience are just as crucial as in any other industry, this is something you should avoid at all costs.

So let’s take a look at some ethical billing tips that should help your law firm maintain stable cash flow without disrupting relationships with your established and new clients.

Define the terms of the agreement during the first meeting

One of the best ways to take the guesswork out of dealing with your customers is to simply put it all out in the open when you first meet. This management of expectations will be important to all facets of your future relationship, but when it comes to the financial aspects of your business, clients should be made aware of the terms of the attorney-client fee agreement, the billing process, and all anticipated costs associated with legal representation. These initial terms must be precise, concise, set in stone, limited in time and leave nothing to free interpretation.

Put more effort into time management

Clock face; image by Age Barros, via Unsplash.com.

This is especially important because not all billing issues you will encounter are due to customer errors. Sometimes law firms simply struggle to send all invoices, follow up on comments, and effectively use billable hours. But, what can be measured can also be managed. So, if you want to innovate in your law firm, you can start using some of the latest time tracking tools like Timekeeper and try to use your productive billing hours more efficiently. Delivering invoices and getting them billed on time will instantly get you halfway through your treasury tasks.

Stay on your billing schedule

Being in the field of law, you need to be aware of the power of precedent. Once you’ve done that, whenever it gets easier and the more people realize it, the more they’ll expect you to make similar exceptions. The easiest cure for this common disease is not to set any precedent at all. As we mentioned in the first example, establish the billing rules in front of your customers and once done don’t stray from your billing schedule even though it can hurt the immediate relationships with the customers. You can reap the benefits in the long run.

Find a simplified way to process payments

Even with your in-store time management skills, it’s hard to escape the feeling that most of the time you spend processing payments will be wasted as the process itself is often slow, complicated, and awkward. Fortunately, these problems can be easily fixed with the help of a specialized third party. Namely, through the use of various current online billing services, clients enjoy a streamlined and unbiased way to pay their fees via interactive email and lawyers can process payments with just a few clicks. This streamlined process benefits both parties and removes many questions from the equation.

Ensure that the different teams follow the same unified procedures

Again, your goal is to eliminate space for precedents but also to allow your finance teams to operate under the same set of procedures and thus work faster with fewer errors. Granted, this can be difficult, especially if your law firm specializes in different areas of law (criminal law, corporate law, etc.) and works with different types of clients. But, if your billing, accounting, data entry, and retrieval procedures are thorough enough, and you provide sufficient training for your staff, you can make your bottom line largely automated and more efficient.

Conduct a diligent investigation of new customers

In some cases, despite their best intentions, your clients may not be able to financially support lengthy lawsuits. You should be aware of these cases before you even agree to work with them, so it is strongly recommended that you conduct a diligent investigation before committing to any case. Even if you may not be able to devote so much time and effort to new clients, a quick search with the SEC (Securities and Exchange Commission) will give you a good idea of ​​your clients’ previous trades and location. history of possible fraud cases – not entirely ideal but it gives you a lot of work.

Collect upfront costs in advance

This may meet with some resistance, but it is far from unorthodox legal practice. While in many cases you cannot estimate the total costs of overall legal representation, you should have some idea of ​​some minimum trial costs specified in the attorney-client fee agreement. Asking a portion of these costs up front will help you immediately establish a professional and mutually respectful relationship with your client, as well as fill any gaps in your business’ cash flow. If the customer is reluctant to make upfront payments, there are some benefits that you can offer in the form of discounts and flexible pricing.

We hope these few suggestions will help you always get paid on time by violating some common ethical practices or straining relationships with your clients. Healthy finances are the foundation of a successful business and the practice of law is no exception. While setting up a functioning and efficient invoicing system takes some effort, it is the best way to keep your business viable.

]]> A good time to bite into Moonpig https://piazzacarlogiuliani.org/a-good-time-to-bite-into-moonpig/ Thu, 30 Dec 2021 16:33:54 +0000 https://piazzacarlogiuliani.org/a-good-time-to-bite-into-moonpig/

Moonpig (MOON) was already a high growth company before it was supercharged in its last fiscal year as lockdowns and changing consumer trends have benefited e-commerce retailers. But when the likelihood of a decline in future earnings was raised by the group this summer, investors reacted as if they had torn up a Moonpig card to be greeted with gruesome news.

Bull points

  • Market leader
  • Leading brand
  • Strong underlying growth

Bear points

  • Reversed pandemic rebound
  • Debt increased

Shares of the online greeting card and gift card retailer have seen difficult progress since listing in February in the high-end segment of London’s main market. When the results of Moonpig’s post-initial initial public offering (IPO) were released in July, management noted that revenue would drop in the next fiscal year as restrictions were relaxed. Shares went from a post-float high of 488p in June to a low of 285p in October as IPO investors questioned whether they overvalued the company. But the company is trading above its float price of 350p again.

Moonpig’s main business locations are the UK, Ireland and the Netherlands, with the group operating under the Greetz brand in the latter. In both markets, it is the leader in online card retailing. The UK and Irish market is its main driver, taking three-quarters of turnover in the latest results – interim postings for the six months to October 31. The group also records low incomes from the United States, Belgium and Australia.

Technology takes a more important place in the group’s sales. Almost half – 42% – of customer orders went through Moonpig’s mobile app during the semester. This is part of a general industry trend in the online card market, with a recent report from IBISWorld noting that such technology “has enabled industry participants to expand their operations and respond to an untapped market ”. Moonpig does not pass up this opportunity.

Although primarily known for its greeting cards, Moonpig’s gift offering is a growing part of the business. Gifting took its largest share of revenue in the middle results, at 48% of the total. Moonpig’s business model aims to attract customers through its greeting cards, then showcase them and sell them gifts at the same time. To give just a few examples, gifts include flowers, plants, perfumes, baskets, books, and alcohol – a new partnership with Virgin Wines (VINO) complemented its existing offering for thirsty gift recipients. .

Moonpig’s brand equity is at the heart of the group’s success. It’s a challenge to resist humming the commercial chorus “moonpig.com” while discussing the business. Brand awareness is highlighted in new and existing customer data. In interim results, 89% of revenue came from existing customers, while management also noted that Moonpig has been able to “consistently acquire new customers at a faster rate than before the pandemic arrived.” Marketing costs did not explode in this setting and in fact plummeted after the foreclosure restrictions were removed.

The group’s leading position in the market, combined with strong brand equity and customer loyalty, is its economic base. Competitors such as Funky Pigeon – owned by WH Smith (SMWH) – and Card Factory (CARD) find it difficult to compete with Moonpig’s scale.

Pandemic rebound

The intermediate results were confronted with difficult comparisons. The pandemic-induced boom in the year to April 30, 2021 saw Moonpig’s revenue more than doubling to £ 368million, but results also indicated that this rebound would end soon as the group warned of the upcoming “normalization of the frequency of purchase”. It has happened. Unsurprisingly, revenue fell 9% from £ 156million to £ 143million in the interim period.

To demonstrate just how peaking fiscal year 2021 is, growth estimates from management and brokers suggest that this year’s level of sales will not be reached again until at least 2025. But, most importantly, the results Intermediaries said the revenue more than doubled – up 115% – compared to the same period before the 2019 pandemic.

This is a key point. Despite the decline in revenues from the booming performance of the previous period, Moonpig remains a high growth company. In the near term, management expects full-year revenue to be at the high end of its forecast range of £ 270million to £ 285million, which at midpoint would be more £ 100million more than two years ago. In the medium term, it aims for annual growth in turnover “in the middle of adolescence”. This target appears achievable given historical growth rates and recent evidence of interim results – there were 10 million more orders delivered than in the 2019 comparison.

Moonpig’s business model works well in a tough economic environment. Its strategy allows it to be relatively shielded from the headwinds of inflation and the supply chain that hit other listed companies. He is helped by what the group describes as a “lightweight inventory model with short supply chains”. Moonpig does not source directly outside of Europe, and its biggest selling cost element for greeting cards is postage – which is passed on to customers. While the group has had to absorb some non-material price increases in wages and packaging, HSBC analysts said that “in the absence of the supply chain or cost inflationary pressures facing d other UK online retailers, Moonpig appears well positioned to take advantage of its margin. aspirations ”.

These aspirations relate to an adjusted EBITDA margin of 24 to 25% in the medium term. This target has been achieved recently, with 24.5% posted in the interim results. The gross margin, on the other hand, is slowly declining. This rate was 49% in the interim period, but has historically been in the range of 50-55% – indeed, it reached 55% in fiscal 2018. Margins on cards are higher. higher than on gifts, and as gifts continue to take an increasing share of the revenue pie, the downward trend in gross margin may continue.

Tasty fondamental

Moonpig can boast of having impressive financial indicators. Free cash flow (FCF) before finance charges is on the rise, with analysts at JP Morgan forecasting £ 50million and then £ 63million, respectively, for fiscal years 2023 and 2024, which would give an FCF yield of 4, then by 5%.

However, a significant increase in debt in recent times seems worrying. Net debt stood at £ 113million as of October 31, down £ 2million from year-end, but a significant jump from £ 31million on the date mid-2020. Investors may be somewhat appeased that this was primarily driven by the reshuffle of the group’s capital structure around the IPO. Moonpig entered into a £ 195million senior facility agreement in early 2021 for this reason, taking over the liabilities of the former guarantors.

JPMorgan has the stocks traded at a futures price-to-earnings ratio of 36 times, which then drops to 31 and then 27 for fiscal years 2023 and 2024, respectively. This seems relatively undemanding, given the medium-term revenue growth outlook and the broker’s expectation of a “long-term EBITDA margin of 29%”.

It wouldn’t be foolish to claim that uncertainty over the Omicron coronavirus variant could benefit the group. The nervousness over shopping on the high streets could lead consumers into the hands of Moonpig – or trotters – in much greater numbers. But investors drawn only by the near-term pandemic prospects should think again. Longer term, with strong underlying fundamentals and growth expectations, Moonpig looks like an attractive option.

Stocks are still trading well below the summer peak and now could be a good time to buy.

Company details Last name Mkt cap Price 52 weeks Hi / Lo
Moon Pig (MOON) £ 1.27 billion 372p 500p / 280p
Size / Debt NAV per share * Net cash position / Debt (-) Net debt / Ebitda Operating cash flow / Ebitda
Net Liab – £ 113 million 70%
Evaluation Before PE (+ 12 months) Before DY (+ 12 months) Yld FCF (+ 12 months) CAP
33 3.0%
Quality / Growth EBIT margin ROCE 5-year sales CAGR TCAC EPS 5 years
20.4% 121.7%
Forecast / Momentum Before EPS grth NTM Before EPS grth STM 3 month old mom % change in EPS before 3 months
15% -0.6% 9.2%
End of year April 30 Sales (£ m) Profit before tax (£ m) EPS (p) DPS (p)
2019 120 13.9 nothing
2020 173 31.8 6 nothing
2021 368 74.8 17.7 nothing
f’cst 2022 282 44.4 10.3 nothing
before 2023 310 51.7 11.8 nothing
variation (%) +10 +16 +15
source: FactSet, adjusted PTP and EPS figures
NTM = next twelve months
STM = Second Twelve Months (i.e. in one year)

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Biotricity Expands Distribution of New Bioheart Device on Amazon.com https://piazzacarlogiuliani.org/biotricity-expands-distribution-of-new-bioheart-device-on-amazon-com/ Tue, 28 Dec 2021 14:41:37 +0000 https://piazzacarlogiuliani.org/biotricity-expands-distribution-of-new-bioheart-device-on-amazon-com/


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New heart monitoring solution delivers personalized heart health information right to your smartphone

Now easy to buy and use: No prescription needed for an advanced heart and lifestyle solution

REDWOOD CITY, CA / ACCESSWIRE / December 28, 2021 / Biotricity Inc. (NASDAQ: BTCY), a modern medical technology company providing innovative remote biometric monitoring solutions, today announced that it has expanded distribution of its new Bioheart heart monitor system, a direct-to-consumer device that offers the same continuous heart monitoring. technology used by doctors, on Amazon.com.

Last month, the company launched commercial sales of its Bioheart device. To improve availability and extend reach, Biotricity is now listing it on Amazon.com at: Bioheart on Amazon for $ 199 with a special introductory price of $ 149 for a limited time. You can see the Bioheart heart monitor in use here.

“We aim to transform the heart health market and believe the Bioheart system will play an important role in this effort,” said Dr. Waqaas Al-Siddiq, Founder and CEO of Biotricity, “The Bioheart device is an important part of our full spectrum, virtual heart clinic “of mobile heart care and lifestyle solutions. It will be fully integrated with a growing number of cardiology practices through our cloud-based Biosphere ecosystem that we plan to fully deploy in 2022, allowing physicians to gain a more holistic view of a patient’s health.

“The ability to offer Bioheart on Amazon extends the availability for the public to easily access the benefits of this exciting technology,” added Dr Waqaas.

The launch of Bioheart opens up a new market and revenue stream for Biotricity while expanding the company’s total addressable market by $ 1.24 billion. Heart disease is intermittent, requiring long-term data collection for effective information and lifestyle management. With continuous monitoring, Bioheart is reinventing personal cardiac management with retrospective snapshots and long-term data collection.

With a revolutionary new feature, users can collect data for hours, days, weeks, months and even years! They can create snapshots of rhythm data by examining past data and tagging it for personal recordings. These are one-of-a-kind features that will help individuals examine their data for a better understanding of the impact on their lifestyle and heart health.

Bioheart features include:

  • Integrated dry contacts for data collection
  • Advanced data collection – three different heart views
  • Continuous recording of the rhythm 24/7
  • 48 hour battery life
  • Custom analyzes
  • Bluetooth connected

With the Bioheart smartphone app, users can:

  • View the electrical heart rate live on the app
  • View data on advanced heart measurements such as electrical heart rate, heart rate, and heart rate variability
  • View historical heart rate ranges
  • Create a heart rate diary and save snapshots of heart activity
  • Easily create retrospective snapshots, a unique feature
  • Easily export and share heart data with a doctor

Bioheart incorporates the company’s proprietary advanced cardiac technology, combined with powerful analytics and continuous rhythm recording, to help individuals understand and improve their heart health. Individuals can track their heart statistics 24/7 with three different views of the heart, which can be streamed live on the Bioheart smartphone app. Bioheart is the most accurate heart monitor available without a prescription.

Bioheart retails for $ 199 and is available for the special price of $ 149, for a limited time, on Amazon or www.bioheart.com. The application is available on the Apple App Store and on Google Play.

About Biotricity Inc.

Biotricity is reforming the healthcare market by bridging the gap between remote monitoring and chronic care management. Physicians and patients trust Biotricity’s unmatched standard for preventive and personal care, including diagnostic and post-diagnostic solutions for chronic disease. The company develops comprehensive remote health monitoring solutions for the medical and consumer markets. To learn more, visit www.biotricity.com.

The Bioheart name, logo and taglines are trademarks of Biotricity Inc. US and international patents pending. Bioheart does not require a prescription.

Bioheart does not diagnose, treat, or repair heart disease. Bioheart is not intended to be a diagnostic tool, or for clinical use, or clinical interpretation, and is intended to be a lifestyle and wellness solution for individuals. If users of the Bioheart are concerned about the data obtained from the device, they should consult a healthcare practitioner directly for further advice. Biotricity disclaims any representation made, explicitly or implicitly, which would suggest that the accuracy of the data obtained lends itself to clinical interpretation.

Bioheart as described here, and later versions, may or may not be the same as advertised and may or may not differ in features and functionality. All statements made here about Bioheart, its specifications, its functionality are based on the design and concepts the company considers feasible, but the functionality may be different.

Important Cautions Regarding Forward-Looking Statements

All statements in this press release that do not describe historical facts may constitute forward-looking statements. Forward-looking statements, which involve assumptions and describe our future plans, strategies and expectations, are generally identifiable by the use of the words “may”, “should”, “would”, “will”, “could”, “,” “Expect”, “anticipate”, “estimate”, “believe”, “intend”, “seek”, “project” or “objective” or the negative of these words or other variations on these words or comparable terminology. Forward-looking statements may include, without limitation, statements regarding (i) management’s plans, objectives and goals for future operations, including plans, objectives or goals relating to the design, development and marketing of Bioflux or any other Company project products or services, (ii) a projection of income (including income / loss), profits (including profits / losses) per share, capital expenditure, dividends, capital structure or other financial elements, (iii) the future financial performance of the Company, (iv) the regulatory regime in which the Company operates or intends to operate and (v) the assumptions under – adjacent or linked to any declaration described in points (i), (ii), (iii) or (iv) above. These forward-looking statements are not intended to predict or guarantee actual results, performance, events or circumstances and may not be made because they are based on current projections, plans, objectives, beliefs, expectations, estimates and assumptions. of the Company and are subject to a number of risks and uncertainties and other influences, over which the Company has no control. The actual results and timing of certain events and circumstances may differ materially from those described in forward-looking statements due to these risks and uncertainties. Factors that may influence or contribute to the inaccuracy of forward-looking statements or cause actual results to differ materially from expected or desired results may include, without limitation, the inability of the Company to obtain additional funding, the length of time and significant resources associated with the development of its products and the resulting insufficient cash flow and resulting illiquidity, the Company’s inability to develop its business, significant government regulation of medical devices and healthcare sector, lack of product diversification, existing or increased competition, results of arbitration and litigation, volatility and illiquidity of shares, and the failure of the Company to implement plans or the Company’s business strategies. These and other factors are identified and described in more detail in the Company’s filings with the SEC. There can be no assurance that the Company will ever become profitable. During the quarter ended June 30, 2020, the Company incurred a net loss attributable to common shareholders of $ 3.4 million. The Company assumes no obligation to update any forward-looking statements to reflect any event or circumstance that may arise after the date of this press release.

CONTACTS
Media
Bospar
prforbiotricity@bospar.com

Investor Relations
Biotricity Investor Relations
Investors@biotricity.com
1.800.951.3348

Marc Forney
MKR Group, Inc.
12198, boulevard Ventura, bureau 200
Los Angeles, California 91604
mark@mkrir.com

THE SOURCE: Biotricity, Inc.

See the source version on accesswire.com:
https://www.accesswire.com/679831/Biotricity-Expands-Distribution-of-New-Bioheart-Device-on-Amazoncom

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Is Enel Américas SA (SNSE: ENELAM) potentially undervalued? https://piazzacarlogiuliani.org/is-enel-americas-sa-snse-enelam-potentially-undervalued/ Mon, 13 Dec 2021 10:28:09 +0000 https://piazzacarlogiuliani.org/is-enel-americas-sa-snse-enelam-potentially-undervalued/

Enel Américas SA (SNSE: ENELAM) has recorded a double-digit increase in its share price of more than 10% in the last two months on the SNSE. With many analysts covering large cap stocks, we can expect any price sensitive announcement to have already factored into the share price. However, could the stock still trade for a relatively cheap price? Today, I’m going to analyze the most recent data on the outlook and valuation of Enel Américas to see if the opportunity still exists.

Discover our latest analysis for Enel Américas

Is Enel Américas still cheap?

Good news for investors – Enel Américas is still trading fairly low. My valuation model shows that the stock’s intrinsic value is CLP 169.92, but it is currently trading at CL $ 103 in the stock market, which means there is still an opportunity to buy. now. Another thing to keep in mind is that the Enel Américas share price can be quite stable relative to the rest of the market as indicated by its low beta. This means that if you think the current stock price should move towards its intrinsic value over time, a low beta might suggest that it is not likely to reach that level anytime soon, and once it does. ‘There it can be difficult to fall back into an attractive buying range again.

What kind of growth will Enel Américas generate?

SNSE: ENELAM Revenue and Revenue Growth December 13, 2021

Future prospects are an important aspect when considering buying a stock, especially if you are an investor looking for growth in your portfolio. Buying a large business with a solid outlook for a cheap price is always a good investment, so let’s also take a look at the future expectations of the business. Profits at Enel Américas over the next few years are expected to increase by 78%, indicating a very optimistic future. This should lead to more robust cash flow, fueling a higher value of the stock.

What this means for you:

Are you a shareholder? Considering that ENELAM is currently undervalued, perhaps now is a great time to accumulate more of your holdings in inventory. With an optimistic outlook on the horizon, it appears that this growth has not yet been fully reflected in the share price. However, there are also other factors such as the capital structure to consider, which could explain the current undervaluation.

Are you a potential investor? If you have been keeping an eye on ENELAM for a while, maybe now is the time to get into the stock. Its prosperous future prospects are not yet fully reflected in the current share price, which means that it is not too late to buy ENELAM. But before making any investment decision, consider other factors such as the track record of its management team, in order to make an informed purchase.

If you are interested in learning more about Enel Américas as a business, it is important to be aware of the risks it faces. During our analysis, we found that Enel Américas has 2 warning signs and it would be unwise to ignore them.

If you are no longer interested in Enel Américas, you can use our free platform to view our list of over 50 other high growth potential stocks.

This Simply Wall St article is general in nature. We provide commentary based on historical data and analyst forecasts using only unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock and does not take into account your goals or your financial situation. Our aim is to bring you long-term, targeted analysis based on fundamental data. Note that our analysis may not take into account the latest announcements from price sensitive companies or qualitative documents. Simply Wall St has no position in any of the stocks mentioned.

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How to get a loan without credit https://piazzacarlogiuliani.org/how-to-get-a-loan-without-credit/ Sat, 11 Dec 2021 00:51:21 +0000 https://piazzacarlogiuliani.org/how-to-get-a-loan-without-credit/

If you are in dire need of money with a bad credit rating, try a personal or payday loan.

These days there are many loan options available and it can be a bit confusing to know which one applies to you. Everyone’s financial situation differs depending on their job and other factors such as whether or not there is an accessible savings account. If you need a loan and don’t have time to do a credit check, or even have a bad credit rating that limits your options, here are some ways to get a loan without credit. .

Personal loan

Personal loans are among the most widely used forms of loans that do not require a credit check. They tend to be more secure and offer longer repayment terms. This means that you can fit the amount into your monthly budget and gradually pay off the lender.

Personal loans do not need to use credit checks because they often involve smaller amounts borrowed. Another feature of personal loans is that they do not rely on assets such as home or vehicle value to secure repayment, hence the name “unsecured loans”. However, in the context of avoiding a credit check or for those with bad credit rates, a personal loan could offer the most flexible and secure form of money.

Personal loans from CreditNinja offer secured personal loans at fixed rates. This means that while the repayment periods can be a bit more demanding, you can access cash when you need it. This can allow you to take control of your personal finances and avoid the emergence of additional debt. Personal loans are the best option for those who need relatively low cash flow to cover issues like urgent medical treatment or even debt consolidation.

Payday loan

Another option for loans without credit check is the payday loan. This is defined by borrowing a sum of money from lenders and agreeing to repay part or all of the amount on your next payday. It works the same as a post-dated check. As long as you can allow the amount to lower your monthly salary, this is another reliable option. One of the main uses of payday loans is to help you deal with unforeseen circumstances or urgent situations, which is why many of the advantages of a payday loan are that it is easy to apply and that approval times are among the fastest.

Benefits of personal and payday loans

What appeals to a lot of people about these types of loans is that they are fast, reliable, and don’t require a credit check. This is part of what makes the approval process almost immediate and is important for people who need cash quickly.

There is no need to use assets as deposits or collateral, which means people with lower value assets can access loans regardless of where they live or the amount of their average income. Getting you through tough times is something these types of loans are designed for. Not having to worry about money will give you comfort and a sense of security when you need it most.

Possible disadvantages

Although quick loans are mostly secure, there is the risk of going with a less reputable lender. This can potentially give your personal information to the wrong people, which can damage your account. Scammers are getting smarter and smarter, which is why you should consider using secure providers like CreditNinja. In addition, the amounts are generally lower than those for other loan options. This is another downside to quick loans, but it is recommended that you rely on them for unforeseen circumstances or emergencies rather than more important things like buying a new car or moving.

Financial advice

If you find yourself in difficult times and need help managing your accounts, it might be worth seeking financial advice. Many lenders offer free advice and can show you how to improve your credit score. If you have bad credit or haven’t had a chance to work on it yet, a professional can show you how to build better financial habits. Not only that, but you can improve your credit score over time. This can allow you to access better loans with more flexibility and even get a better mortgage rate in the future.

Summary

The main options for someone who needs money without a credit score are personal loans and payday loans. These are secured loans that allow you to access smaller amounts of money over short periods of time. Compared to other loan options which offer more flexibility, it is suggested to use these types of short term loans when you need the cash quickly.

Avoid systematically relying on personal loans and payday loans as this can affect your credit score. In addition, most secured loan providers will offer free financial advice or consultation. This can help you develop better habits that can improve your credit score over time. Personal loans and payday loans have their own advantages and disadvantages, and it is worth following the link above for more details on personal loans from CreditNinja.

Posted on December 10, 2021

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Fitch upgrades Seplat Energy to ‘B’, outlook stable – Blueprint Newspapers Limited https://piazzacarlogiuliani.org/fitch-upgrades-seplat-energy-to-b-outlook-stable-blueprint-newspapers-limited/ Sun, 21 Nov 2021 21:32:31 +0000 https://piazzacarlogiuliani.org/fitch-upgrades-seplat-energy-to-b-outlook-stable-blueprint-newspapers-limited/

Seplat Energy Plc, listed on both the Nigerian Exchange Limited and the London Stock Exchange, has been reclassified to “B” from “B-” by Fitch Ratings on its Long Term Issuer Default Rating (IDR).

Fitch also confirms that Seplat Energy’s outlook is “stable” and has raised the company’s senior unsecured rating for the $ 650 million senior bonds due 2026 to “B” instead of “B-”. “, With a recovery note of” RR4 “.

The rating agency said: “The upgrade reflects improved financial flexibility and a strong liquidity profile following the debt refinancing in 2021, which we believe will help Seplat Energy survive for more than two years. in the event of force majeure without access to the Trans Forcados pipeline (TFP). The Amukpe-Escravos (AEP) pipeline, an alternative oil export route, has been completed and is being commissioned, according to Seplat, but there is no certainty as to when it will ship its first oil.

The rating incorporates Seplat Energy’s small scale of cash flow, the concentration of the company’s asset base in Nigeria (B / Stable) and a historically unstable operating environment in the struggling Niger Delta, including recurring problems with the oil transport system. The rating also reflects moderate leverage, prudent financial policies, competitive unit profitability, a life of 2P reserves at the end of 2020 of 27 years and growing domestic gas activity.

Specifically, Fitch revalued Seplat Energy’s bonds of $ 650 million to B-. The upgrade reflects improved financial flexibility and a strong liquidity profile following the debt refinancing in 2021. Due to Seplat Energy’s cautious approach to financial management, Fitch believes the company has built a very solid balance sheet. Even though the Trans Forcados pipeline was in force majeure for two unprecedented years, Seplat Energy has sufficient strength to survive and service its debt.

No keyword for this post.

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