Sentences with phrase «financial ratios which»

Not exact matches

Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance policies on low - ratio mortgages.

Every Friday afternoon, Phunware's controller emails an overview of the company's financials to the management team, including data on key metrics such as cash on hand, obligations, and the quick ratio, which the company derives from dividing cash plus receivables by current liabilities.

Citigroup, which usually has one of the best Tier 1 capital ratios (a measure of financial durability), failed its most recent stress test in June.

There are really three factors that go into the ability to pay off indebtedness: first, the size of the debt itself (including the rate at which it grows); second, the ratio of one's income or assets to the debt; and third, the competing demands on your financial resources.

The most directly comparable GAAP financial measure is the combined ratio, which is computed by adding total incurred losses and LAE, including the impact of catastrophe losses and loss and LAE reserve development from prior years, with the insurance expense ratio.

I have ignored reasons that might justify lower discount rates or higher GDP adjustments for China mainly because the purpose of this essay is to explain why the U.S. multiple is so much higher than China's, and of course these reasons exist, but I think whatever the correct ratio should be, there is no question that advanced economies always justify higher multiples than developing economies because they tend to be economically more diversified and politically more stable, and they usually have institutions, including clearer legal and regulatory frameworks, more sophisticated capital allocation processes, less rigid financial systems, and smaller state sectors (which make smooth adjustment, one of the most valuable and undervalued components of long - term growth, more likely).

The rate at which money is used to bid up asset prices can be thought of as a «financial multiplier» and can be gauged by looking at the ratio of overall asset values to money.

There are two simple ratios using accruals not often reported or put on financial websites but they do explain the state of quality of earnings, they are calculated by using two different approaches Balance sheet approach Calculate Accruals which is difference between beginning and ending NOA (Net operating assets) Here, NOA = Net operating assets = -LCB-(Total assets — cash and equivalents and investments)--(Total...

The financial intermediation service charge currently increases the ratio by around 1.4 percentage points, of which around half is attributable to housing - related debt.

But if your credit utilization ratio is too high, it can be an indication that you have too many financial obligations which make you to almost exhaust your credit limit.

Another financial ratio that is important in order to evaluate risk is the gearing ratio, which is the ratio of the value of housing debt to the value of the stock of housing assets (Graph 4).

But if your credit utilization ratio is too high, it can be an indication that you have too many financial obligations which make you to almost exhaust your credit limit.

This breaking news, which was picked up in Friday's Financial Post, revealed that «the cost for an ounce of gold in 1967 was $ 35, exactly the same price as a decent suit from Eaton's,» while in 1975, «gold weighed in at $ 100 an ounce, a 1:1 ratio with a decent suit from Eaton's during the same year.»

The bubble was a combination of (a) teaser rates on option ARMs which were like financial time bombs, (b) liar loans in which the rules of good mortgage underwriting (20 % down, 28/36 ratios) went out the window, (C) people at rating agencies who decided that if one pools enough junk loans into one bond, it's magically AAA, and (D) Credit default swaps which encouraged these bad loans, and when they collapsed a number of people walked away with billions of dollars.

We know all of this from the centuries of data collected by the Centre for Research in Sartorial Prices, which tracks several well - known financial benchmarks, such as the «stocks - to - nice - hat ratio,» and the «real - estate - to - fancy - shoes ratio.»

The book focuses on a magic formula which is based on two financial ratios - Return on capital and Earnings Yield.

Although it really tough to go through all these information, however, there are various financial ratios available which can make the life of a stock investor really simple.

Individual guides for each of these industries list resources available from trade associations, research firms, and other sources which address subjects such as industry trends and statistics, financial statements and financial ratios, and compensation and salary surveys.

Using these ratios they can choose right companies to invest in or to compare the financials of two companies to find out which one is better.

Financial requirements such as having a low debt to income ratio or saving enough money for a down payment are temporary setbacks which are often resolved in a fairly short period of time.

In addition, here is a checklist (that you should download) which can help you to select a fundamentally strong company based on the financial ratios.

Costs are kept down by using fancy computer algorithms to do the work a normal financial advisor would do, which means investors aren't stuck paying the 1 % trailer fees which are built into the expense ratios of most mutual funds.

Financial regulations of various countries also impose restrictions on financial institutions to lend credit facilities to potential borrowers that have a current ratio which is lower than the defineFinancial regulations of various countries also impose restrictions on financial institutions to lend credit facilities to potential borrowers that have a current ratio which is lower than the definefinancial institutions to lend credit facilities to potential borrowers that have a current ratio which is lower than the defined limits.

Ken Fisher pioneered the theoretical work of an investment analysis tool called the Price - to - Sales (P / S) Ratio, which now makes up a core part of a complete financial curriculum.

The one section that doesn't come out as well is chapters 6 to 10 that gives a combination of a basic accounting course and further shows which adjustments to the accounting Marshall thinks necessary to render the financial ratios best suited for his process.

Once again, the financial leverage ratio is 5 to 1 in this scenario, which means you earn 5x what you would have without leverage.

Because eREITs have very high depreciation write - offs which are tax accounting entries that do not affect cash flow, the usual metrics of earnings per share (EPS) and price earnings ratios (P / E) are not meaningful for eREIT financial reporting.

Usually, a covenant will be a «financial covenant» which specifies that, for example, the issuer will maintain an interest coverage ratio over a certain level or a leverage ratio (debt / equity) under a specific level.

This paper examines which historical value factors or financial ratios have the highest probability of consistently outperforming the market.

Qualitative analysis can help an investor figure out which data points they should focus on for specific companies and industries, and can help generate good contrarian investing opportunities when a good company is temporarily clouded by poor financial ratios and performance.

Decreased Credit Limits — Store cards may have lower credit limits, however they may work against you in the event you shop on credit, which usually increases you financial debt ratio.

Because conventional loans are not backed by the government lenders follow stricter underwriting guidelines which require good credit, a strong financial status and lower loan - to - value ratios.

Because REITs have very high depreciation write - offs which are tax accounting entries not affecting cash flow, the usual metrics of earnings per share (EPS) and price earnings ratios (P / E) are not meaningful for REIT financial reporting.

Dividend yield refers to the financial ratio in which you can know that how much a company is paying out in dividend every year relative to its share price.

Debt - to - equity ratio which is low, say 0.1, would suggest that the company is not fully utilizing the cheaper source of finance (i.e. debt) whereas a debt - to - equity ratio that is high, say 0.9, would indicate that the company is facing a very high financial risk.

The ratios which are calculated from these financials are

Let me educate you: RESP's in Canada include 60 + providers, most of which are banks and financial institutions (life insurance & investment companies) the majority of which will invest your savings into mutual funds — there are no guarantees with these, your principal could be lost and your grant too & if your child doesn't pursue post-secondary education, you would have to pay the government grant back out of your own pocket — also the fees associated with these are called MER's (management expense ratios) which compund over time and will usually eat up as much as 1/3 of your investment.

This ratio is harder to calculate, since it involves delving into the financial statements to estimate free cash flow (FCF), which is calculated as operating cash flow less capital expenditures («capex»).

The minimum credit score can vary depending on your specific financial situation, your debt - to - income ratio, and which mortgage you choose.

A high debt - to - income ratio means you have a large amount of debt relative to the income you have coming in, which can be a strong indicator of financial troubles and an inability to pay your debts.

Using financial ratios can't tell you everything about a stock, but they well help you determine which stocks are worth taking a closer look at.

There's several sites about this (how to value a practice, what to do, industry trends and statistics, financial ratios, salary surveys, etc.); but there's no actual list you can get to without paying, becoming a «member» of something, logging in (which is just a way to get you to give up your e-mail address so it can be sold to spammers), or having to muddle through several annoying barriers.

One tool that can help you is your debt - to - income ratio, which gives an accurate measure of your financial status and shows the relationship between your debt and your income.

Since 1990, the price - book ratio for the financials sector has averaged 1.79 x, which is 21 % higher than the current ratio.

An investor can examine a fund's «Financial Highlights» which is contained in both the periodic financial reports and the fund's prospectus, and determine a fund's expense ratio over the last five years (if the fund has five years of Financial Highlights» which is contained in both the periodic financial reports and the fund's prospectus, and determine a fund's expense ratio over the last five years (if the fund has five years of financial reports and the fund's prospectus, and determine a fund's expense ratio over the last five years (if the fund has five years of history).

Those periodic special dividends are feasible because of the firm's immaculate balance sheet, which has almost no debt, relatively high cash levels (relative to the size of the company and its acquisitions), and a high current ratio (i.e. the company's short - term assets cover its short - term liabilities by more than three-fold, thus protecting it from unexpected negative financial strains, such as during recessions when demand from restaurants can lead to declining sales, earnings, and cash flow).

The first is the company's conservative dividend payout ratios, which allow it plenty of safety cushion during bad economic times, when sales of specialty foods and demand from restaurants can decrease, which happened during the financial crisis.

Leverage isn't working in other industries: MacEwen offers some background from the financial industry, which shows a causal link between the institution's asset - to - equity ratios (that's how leverage looks in banking, whereas it's the partner - associate ratio for lawyers) and the failure of the industry.

Of particular interest to legal marketers is the new «UK 200: Financial Management» survey, which details the number of marketers at law firms, and ratios of lawyers to marketers — always a source of discussion in the community.

The claim settlement ratio is calculated for every financial year for all the life insurance companies and is published in the IRDAI's Annual Report which can be seen on the regulator's website.