Tag archives for Finance course

Master Class: Credit Process: Understanding the language ii

27th February 2010 by under Credit Process & Analysis     
Owners’ Equity

Equity is what the original owners of the firm have put in the company. In other words, equity represents what the owners of the firm contribute towards financing the business. Equity is the cumulative value of the following:

Common stock Preferred stock Retained earnings

Bankruptcy

A firm is bankrupt when there is nothing (or a negative balance)…

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Master Class: Credit Process: Understanding the language – I

27th February 2010 by Jawwad under Credit Process & Analysis     

Capital Structure

How a business’ assets are financed determines its Capital Structure (also known as Financial Structure). There are generally two methods of financing available to a firm — equity, debt or a combination of both. The proportion of equity and debt, which a manager uses to finance his business, defines the Capital Structure for the firm. Theoretically speaking Capital Structure of…

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Master Class: Credit Process: Mindset

27th February 2010 by Jawwad under Credit Process & Analysis     

There are four things that we want you to take away from this course.

1. Intent

2. Classification / underwriting

3. Pricing

4. Fit

Intent

It’s all about the applicant’s intent – to pay back the loan. If the guy who walks in the door with a loan application doesn’t plan to pay you back, your sophisticated analysis is not going to work & the money is not coming back. How can…

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Master Class: Ratio Analysis: Liquidity, Leverage, Profitability, Productivity: Course Guide

27th February 2010 by Jawwad under Ratio Analysis     

The Ratio Analysis course starts with the very basics of foundation and then quickly moves into the four key dimensions of ratio analysis:

Liquidity,

Leverage,

Profitability, and

Productivity

The course uses two comprehensive walk through cases on Office Depot and Staples to illustrate applications using real world data.

Introduction

Ratio Analysis: Understanding the language: Session I – A

Ratio Analysis: Understanding the language: Session I-B

Ratio Analysis: Understanding the language: Session I-C

Ratio Analysis: Liquidity,…

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Master Case: ODP and Staples: Ratio Analysis

27th February 2010 by Jawwad under Ratio Analysis     

A Master Case is a comprehensive hands on a real world example that walks you through a given topic and its application using real world data. The ODP and Staples Master Case takes two vendors from the small business whole sale supplies sector and compares them across leverage, profitability, productivity and liquidity.

Master Case: ODP…

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Master Credit Analysis: Course Guide

27th February 2010 by Jawwad under Credit Process & Analysis     

This is the first course on credit analysis that focuses on the impact of leverage on a business. We look at two different instances of leverage – one financial, one operational and use that to calculate degrees of operational leverage. Degrees of operational leverage is an interesting concept that allows you to measure the impact on earnings for every dollar increase/decrease in sales on account of the combined leverage…

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Master Credit Analysis: Financial Leverage

27th February 2010 by Jawwad under Credit Process & Analysis     
Session Title: Financial Leverage Session Description: What impact do fixed financial charges have on a firm’s financial position?

Fixed operating costs make a firm’s Operating Income more sensitive to changes in Sales. The next step would be to see if the same relationship holds for fixed financial charges. That is, will a firm’s Net Income (NI) become more sensitive to changes in operating income when the firm…

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Master Credit Analysis: Fixed Costs and Operating leverage

27th February 2010 by Jawwad under Credit Process & Analysis     
Concept Title: Operating Leverage

Concept Description: Explains the concept of operating leverage

Are fixed costs evil? And if they are evil then why do businesses willingly take them on? Should management depend entirely on variable costs to run its business? Is there any way that we can answer these questions? There is no right answer to the first three questions but we can take a shot at answering number…

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Master Credit Analysis: Breakeven and leverage

27th February 2010 by Jawwad under Credit Process & Analysis     
Concept Title: Breakeven Analysis Concept Description: Explains how businesses can adjust costs and levels of production to attain optimum results.

Breakeven point (BEP) is the level of production at which a firm’s revenues just cover its costs. Beyond this level the firm earns profits; anything below this level leads to losses.

To calculate the breakeven point we must differentiate between Fixed and Variable Costs. What kind of costs,…

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Master Credit Analysis: Leverage: Introduction – I

27th February 2010 by Jawwad under Credit Process & Analysis     
Concept Title: Leverage Firms employ external funds to finance business operations. External funds differ by the required or expected return that investors need, when (or if) the funds need to be paid back and the order in which they are paid back. Leverage is the utilization of assets or funds, for which the firm has to pay a fixed charge or fixed return.

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