Julia Vinograd http://juliavinograd.com/ Sun, 19 Sep 2021 05:27:48 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://juliavinograd.com/wp-content/uploads/2021/04/cropped-hh-32x32.png Julia Vinograd http://juliavinograd.com/ 32 32 IndusInd Bank (NSE: INDUSINDBK) shareholders reported 85% year-on-year return, but profits fell https://juliavinograd.com/indusind-bank-nse-indusindbk-shareholders-reported-85-year-on-year-return-but-profits-fell/ Sun, 19 Sep 2021 02:14:25 +0000 https://juliavinograd.com/indusind-bank-nse-indusindbk-shareholders-reported-85-year-on-year-return-but-profits-fell/

The easiest way to invest in stocks is to buy exchange traded funds. But investors can increase returns by choosing market-leading companies in which to hold stocks. For example, the IndusInd Bank Limited The share price (NSE: INDUSINDBK) has risen 84% over the past year, clearly outpacing the market return by around 59% (excluding dividends). If he can maintain this outperformance over the long term, investors will do very well! On the flip side, longer-term shareholders have had a tougher race, with the stock falling 36% in three years.

Since it’s been a strong week for IndusInd Bank shareholders, let’s take a look at the trend in longer-term fundamentals.

Check out our latest review for IndusInd Bank

To quote Buffett, “Ships will sail around the world but the Flat Earth Society will thrive. There will continue to be wide spreads between price and value in the market … ‘An imperfect but straightforward way to examine how a company’s market perception has changed is to compare the evolution of earnings per share (BPA) with the price movement action.

Over the past year, IndusInd Bank has seen its earnings per share drop by 10%.

So we don’t think investors are paying too much attention to BPAs. Therefore, it seems likely that investors will place more weight on measures other than BPA, for the time being.

We are skeptical of the suggestion that the 0.4% dividend yield would encourage buyers to buy the stock. Revenue has been fairly stable year over year, but perhaps a closer look at the data can explain the market optimism.

The graph below illustrates the evolution of earnings and income over time (reveal the exact values ​​by clicking on the image).

NSEI: INDUSINDBK Profit and Revenue Growth September 19, 2021

The strength of the balance sheet is crucial. It might be worth taking a look at our free report on changes in their financial situation over time.

A different perspective

It is nice to see that IndusInd Bank shareholders have received a total shareholder return of 85% over the past year. This includes the dividend. There is no doubt that these recent returns are much better than the TSR’s loss of 1.1% per annum over five years. The long-term loss makes us cautious, but the short-term TSR gain certainly points to a brighter future. While it is worth considering the different impacts that market conditions can have on the share price, there are other factors that are even more important. To do this, you need to know the 3 warning signs we spotted with IndusInd Bank.

If you are like me then you not want to miss it free list of growing companies that insiders buy.

Please note that the market returns quoted in this article reflect the market-weighted average returns of stocks currently trading on the IN exchanges.

When trading IndusInd Bank or any other investment, use the platform seen by many as the professionals’ gateway to the global market, Interactive brokers. You get the cheapest * trading on stocks, options, futures, forex, bonds and funds from around the world from a single integrated account. Promoted

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 shares 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 material. Simply Wall St has no position in any of the stocks mentioned.
*Interactive Brokers Ranked Least Expensive Broker By StockBrokers.com Online Annual Review 2020

Do you have any feedback on this item? Are you worried about the content? Get in touch with us directly. You can also send an email to the editorial team (at) simplywallst.com.

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How businesses can leverage technology for optimal business insurance https://juliavinograd.com/how-businesses-can-leverage-technology-for-optimal-business-insurance/ Sat, 18 Sep 2021 15:00:00 +0000 https://juliavinograd.com/how-businesses-can-leverage-technology-for-optimal-business-insurance/ Opinions expressed by Contractor the contributors are theirs.

You are reading Entrepreneur United States, an international Entrepreneur Media franchise.

For many people, the only type of insurance they see as crucial is health insurance, and this is due to the amount of publicity given to this type of insurance in the media and in public discourse. Of course, it is also because health is something that people experience and feel every day. For an entrepreneur, however, business insurance is another type of insurance that is of great importance.. As last year demonstrated, business disruptions can occur unexpectedly and on an unprecedented scale, so getting the best insurance coverage is crucial for your business.

Fortunately, technological innovations have also improved business insurance offerings, making them much more valuable. Here are a few to take advantage of the trend and get the perfect font for your business.

AI for processing and communicating complaints

Artificial intelligence is everywhere these days, and for good reason too. When deployed correctly, advanced machine learning algorithms can access huge data sets and make much more precise decisions, and especially for you as a business owner, much faster than analytics. traditional human. In the field of insurance, this has been applied in two main areas: handling complaints and communicating with customers. In the first, insurance companies apply AI analytics to analyze insurance claims and make decisions about how to act on them. For example, a complaint may be identified as fraudulent and warrant further investigation. In the second case, businesses can use chatbots or similar tools to facilitate the reporting process, so that business owners can quickly communicate any complaints or issues they encounter and receive prompt responses.

Both of these are crucial for business owners, because any additional downtime means more loss of money and customers. It is essential to make sure that you obtain your business insurance from a company that can process claims and make necessary payments quickly, even in the event of a widespread disaster.

Related: What Every Entrepreneur Should Know About Artificial Intelligence

API and customization

Application program interfaces (APIs) have long been the exclusive preserve of outdated tech startups, allowing them to share information with each other in an automated fashion. Nowadays, many large companies have also jumped in on the action and now create their own APIs and allow other companies to integrate into their systems in a limited and controlled way. This enables several things, the most notable of which is the ability of other companies to develop new business models based on the data provided and to cooperate with the insurance company to develop new features and add customer value. Think of fitness companies sharing the health data they acquire from tracking devices, which helps insurance companies improve their risk assessment.

There’s also the fact that businesses can now share more granular data in order to get personalized business insurance quotes that meet their specific needs, instead of just ticking boxes on a form and getting packages. generics. Now, insurance companies are willing to tailor their offerings to specific clients, using the information they have to make decisions that will bring much more value to both parties.

Related: How APIs Can Help Rebuild Customer Relationships in the Future

Online marketplaces, affordability and improved service

One of the most fundamental but most crucial and enduring aspects of the internet is how it has democratized access to information and made it easy for people to get detailed updates on things. that were previously hard to find, such as insurance terms. In the past, these were hidden behind a screen as trade secrets, but now business owners can find all the information they need to make informed decisions about which vendors to choose. The terms offered by various providers are grouped together in several places on the Internet, and business owners should take the opportunity to compare their options and make the best choice.

This open competition has had the effect of driving down prices, as PWC analyzed in this report, but it has also led insurers to be more service oriented as they strive to get good reviews from the market. share of customers. The combination of these factors gives business owners a voice in the transaction and the opportunity to secure better deals than they might have in the past.

Related: How Artificial Intelligence Will Shape Our Future

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Economic prosperity awaits SA on the horizon, adviser says https://juliavinograd.com/economic-prosperity-awaits-sa-on-the-horizon-adviser-says/ Sat, 18 Sep 2021 10:06:48 +0000 https://juliavinograd.com/economic-prosperity-awaits-sa-on-the-horizon-adviser-says/

Botha, who was the guest speaker at a business breakfast presented by Church Unlimited on Friday, September 10, told the Mbombela business community that South Africa is on the cusp of a new era of economic prosperity.

This despite the fact that the country entered what is commonly referred to as a technical recession – two successive quarters of negative GDP growth – after GDP growth declined by 0.7% in the second quarter of the year. year. This follows a restated 2.6% contraction in the first quarter.

Dr Roelof Botha

But Botha is adamant that there is more than one way to define what a recession is.

“Despite various challenges due to an inept government and the Covid-19, GDP at basic prices (GDP at market prices, less taxes and subsidies on products) increased between April and June with 6.6% since the first quarter to reach a new peak of R1. 4t, ”Botha said.

ALSO READ: Chip and putt golfers for Huis Betlehem

“In real terms (this neutralizes the effect of inflation) the growth rate is 5.6%. GDP increases to R1.53t after the effect of taxes and subsidies on products has been included in the calculation. This is a new peak and represents a real growth rate (quarter over quarter) of 4.2%, still a very good performance.

Dr Roelof Botha

Botha, who is known to be more optimistic than other economists, is adamant that the statistics are on his side and that he has reason to be optimistic, despite fierce criticism from his peers.

“I predicted the economy would be fully recovered by the fourth quarter of last year. They laughed at me. But look at the latest GDP figures. Eight out of ten sectors performed better than expected. At least some of my detractors have the decency to apologize whenever my point turns out to be correct. Confidence in agriculture is at an all time high. Construction is clearly not on its knees and retail is showing buyers are back; all good news, and SSA should be reprimanded for not painting the full picture
of the South African economy, ”Botha added.

“In general, the economy has grown very well since the outbreak of the pandemic with exceptions like the hotel industry and restaurants, but the characteristic is certainly not bleak.” According to him, the country is on the right track with President Cyril Ramaphosa at the helm. But he needs more time; nothing will happen overnight.

“Zimbabwe and Venezuela have become failed states because of bad policies. We have to get out of ideologies and come back to pragmatism. We can create jobs for every South African if we implement the right economic policies, and I think Mr Ramaphosa is doing the right thing.

“In the fourth quarter of last year, this economy produced exactly as much as it did in the fourth quarter of 2019. Which isn’t to say all sectors have done well, but we are normalizing this economy,” Botha said.

“I have absolutely no doubt in my mind that our economy is in take-off mode,” he concluded.

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Moody’s downgrades Bahamas to Ba3, outlook negative – Eye Witness News https://juliavinograd.com/moodys-downgrades-bahamas-to-ba3-outlook-negative-eye-witness-news/ Sat, 18 Sep 2021 08:01:22 +0000 https://juliavinograd.com/moodys-downgrades-bahamas-to-ba3-outlook-negative-eye-witness-news/

Moody’s plans return to pre-COVID tourism levels “only by 2024 at the earliest”

NASSAU, BAHAMAS – In the wake of Thursday’s general election, global rating agency Moody’s slashed the country’s credit rating yesterday.

The country’s sovereign ratings have been lowered to “Ba3” instead of “Ba2,” underscoring the daunting economic and fiscal realities facing the country and the new administration led by Davis.

Moody’s highlighted a significant erosion in the country’s economic and fiscal strength caused by the COVID-19 pandemic.

“The duration and severity of the coronavirus shock fundamentally weakened the Bahamas’ credit profile with lasting consequences in terms of higher debt burden and lower affordability of debt as well as reduced economic strength,” reads -on in the rating agency report.

“Real GDP contracted 14.5% in 2020, with the tourism industry hardest hit by a shutdown that lasted most of the year. Despite the surge in tourism activity in recent months, the Bahamas faces prospects of a slow economic recovery and remains vulnerable to potential future variants of the coronavirus. Moody’s expects stay-in tourist arrivals to return to 2019 levels only by 2024 at the earliest. “

Moody’s stressed that the country’s economic recovery is highly dependent on a rebound in tourism activity. The sector contributed 19% of GDP in 2019, and this contribution amounted to around 40% including related industries such as transportation and accommodation, and catering.

“The severity of the economic contraction has contributed to a significant increase in the Bahamas’ debt and interest charges, which are now significantly higher than those of their Ba-rated peers,” the degradation report said.

“The Bahamas’ debt burden was already higher than that of its Ba-rated peers before the pandemic, and will remain higher than its similarly-rated peers, as the economy is only slowly recovering from the pandemic. Fiscal consolidation brought about by the removal of COVID-related spending on unemployment benefits and other related items, as well as a recovery in revenue will support fiscal consolidation, which will gradually reduce the debt burden.

“The Bahamas’ debt burden will remain close to 80% of GDP by the end of fiscal year 2022/23 (fiscal year ending June 30, 2023), well above the median rated Ba3 (60%) . Additionally, the Bahamas’ narrow income base means that its debt as measured by debt-to-income ratio, which stood at 509% at the end of fiscal year 2020/21, will also remain significantly above the Ba-rated median of 266%.

The combination of a growing debt burden and declining income has contributed to a further deterioration in affordability of debt, with the interest-to-income ratio falling to 23% in FY 2020/21, compared to 16% during the 2019/20 financial year. Moody’s expects the interest-to-income ratio to peak in FY2021/22, but to remain above 20% over the next three years, and significantly higher than its rated peers.

Moody’s noted that the country’s captive domestic investor base and long maturity profile have provided a favorable debt structure despite recent increases. This has enabled the country to have a relatively solid institutional framework, a stable political system and a fiscal policy framework that is more responsive to economic shocks.

Moody’s noted that the Bahamas stands out from its similarly rated peers because of its comparatively high level of GDP per capita, which supports its debt capacity.

The report continues: “A slower pace of fiscal consolidation which contributes to tighter financing conditions and higher borrowing costs, which would call into question the government’s ability to finance budget deficits and the deadline. debt would probably lead to a further downgrade.

The rating agency said a hike was unlikely given the negative outlook, adding that implementing policies that support a process of fiscal consolidation to sustainably reduce public debt could likely result in a return to an outlook. stable.

He also highlighted improved debt accessibility by relying more on lower-cost official domestic and external sources of financing rather than more expensive issuance in the external market, as another route to greater stability.

Business News | Stock market and stock market news https://juliavinograd.com/business-news-stock-market-and-stock-market-news/ Sat, 18 Sep 2021 05:30:14 +0000 https://juliavinograd.com/business-news-stock-market-and-stock-market-news/

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Navjot Singh Sidhu 'incompetent', will oppose his name for the next Punjab CM: Amarinder Singh

name Price Switch % variation
Sbi 454.10 -9.60 -2.07
Indiabulls Hsg 228.75 -13.10 -5.42
Ntpc 123.75 -0.25 -0.2
Nhpc 27.70 -0.40 -1.42




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