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Lord Jesus Christ Says...

Treat others as you want to be treated. Matthew 7:12 states it that simply. Improve your life today by treating those around you with kindness and respect.

28 Nov 2015

STOCK MARKET- A HOUSING FINANCE COMPANY.

Hi Friends,   India Bulls Housing Finance Limited  (IHFL) is the fourth largest housing finance company in India with AUM of INR 522 billion. It was established as a wholly-owned subsidiary of Indiabulls Financial Services  (IBF SL).  In early 2013, keeping with IHFL’s long term commitment to the housing finance business, the company was reversed-merged into its housing finance subsidiary IHFL.  IHFL offers home loans to target client base of middle and upper middle income  individuals and small and medium-sized enterprises, or SMEs.  It has presence across 200+ locations across India.  Indiabulls Housing Finance Ltd (IHFL) has transformed from a diversified lender to a focused mortgage player. 


  Mortgage focus has yielded returns, with RoE/RoA improving from 3%/0.8% in FY 09 to + 26%/3.5% in 1HFY 16.  IHFL has devised a unique strategy – 76% of the book forms mortgage/LAP (which keeps asset quality under check) and 24% of book forms commercial credit and commercial vehicles (supports blended spreads of + 300 bp), thereby enabling sound asset quality with a superior returns.  Disbursement growth has picked up,  and Market share gains will drive AUM growth of -  24% for next three years.  One  of the lowest levered HFC (3.9x) and with capital raising completed IHFL would need no further dilution over the medium term.  Consistent out performance on key parameters relative to sector,  Average three year RoE at + 27% is the best among the peer group.  The company offers superior return ratios with +4% dividend yield.  The stock is Trading at PBV of 2.4xFY 17.
 

Good Luck.                                                              See You Later.

QUOTES- POSITIVE INSPIRATIONAL QUOTED.

Hi Friends,  Please read the following positive inspirational quotes.  These Awesome Quotes can change the quality of your life.

If  ‘ Plan A’ did not work the alphabet  has 25 more letters!   Stay cool.

Old people at weddings always poke me and say “you are next”.  So, I started doing the same thing at funerals.


Don’t waste your time with explanation .  People only hear what they want to hear.

I don’t have a dirty mind, I have a sexy imagination.

Love is like a fart; If you have to force it, it’s probably shit.

When I am right no one remembers, when I am wrong no one forgets.

I do not get drunk – I get awesome.

Pessimist sees the difficulty in every opportunity.  An optimist sees the opportunity in every difficulty.

Every morning when I get up , I check out the list of 100 richest people in the world.

Some cause happiness wherever they go; others, whenever they go.

Do it now .  Sometimes ‘later’ becomes  “Never”.

Better days are coming .  They are called:  Saturday and Sunday.

The expert in anything was once a beginner.

Courage is doing what you are afraid to do.  There can be no courage unless you are scared.

Choose a job you love and you will never have to work a day in your life because that field isn’t hiring.


Good luck.                                                       see you later.

27 Nov 2015

SHARE MARKET- NTPC LTD.

Hi Friends,   NTPC LTD for 2 QFY 2016, net sales increased by 6.9 % yoy to Rs.17,723 Cr. (2.4% below estimate;  and as against Rs.16,582 Cr. in the corresponding quarter of last year) led by a 6% yoy increase in coal PL.  Coal PLF improved 407 bp to 77.3% as against 73.2% last year.  Gas PLF however continued to fall, coming in at 25.7% as against 33.4% last year.  PAF remained stable at 88.1%/97.6% for coal and gas respectively.  Higher than expected operating expenses resulted in the EBITDA  coming in 5.5% below estimate, at Rs.4031 Cr.  The EBITDA however increased 24% yoy resulting in a 315 bp improvement in margin. 
 

 While depreciation and interest expenses were in line with expectations, higher tax refunds boosted net profit, which came in 9.6% ahead of expectation at Rs.2898 Cr.  Strong capacity addition to drive regulated equity:  NTPC’s current capacity stands at 45,048 MW and the company plans to add  23,500 MW by 2019.  The company will commission 7500MW  by 2017,   8,050 MW in FY 2018 and 8200 MW in FY 2019.  Led by the strong capex, the Management expects to see a 45% jump in regulated equity by FY 2018 and  a 75% increase by FY 2019.   NTPC   the growth offered by regulated equity  model, huge capacity addition plans and expected improvement  in demand for power in the country.  At the current market price  of Rs. 131, the stock quoting a P/BV of 1.27x and 1.19x its FY 2016 E and FY 2017 E BV/share of Rs.105 and Ra.112, respectively .  NTPC is a Govt. owned Blue Chip Company.
 

Good Luck.                                                               See You Later.

QUOTES-POSITIVE INSPIRATIONAL AND FUNNY QUOTES.

Hi Friends,  Please read the positive, inspirational and funny quotes.

Whenever you correct someone’s grammar,  just remember that nobody likes you.

Life is like a movie.   If you are sad – Drama.  If you are afraid – Suspense.  If you are angry – Action.  When you look at the mirror – Horror.  Now you are smiling:  That is comedy.

Best friends make the good times better and the hard times easier.

Teacher, you should know this , you learned this three years ago.  Me: I don’t even remember what I ate last week.

Dear  sleep, I know we had problems when I was younger but I love you now.

The worst feelings in the world is the home sickness that comes over a man occasionally when he is at home.

Everything is funny, as long as it’s happening to somebody else.

A doctor and an engineer both loved same girl.  Doctor every day gives her a Rose.  

Engineer gives her an apple  daily.  Doctor to Engineer why you give her an apple every day?  Engineer replied.  An apple a day keeps a doctor away.

You wanna know who I am in love with?  Read the first word again.

We were given:  Two hands to hold.  Two legs to walk.  Two eyes to see,  two ears to listen.  But why only one heart.  Because the other was given to some one else.  For us to find.

Best way to kill yourself  - Love someone truly  you will die daily.

The most romantic love story is not Romeo and Juliet who died together but Grandpa and Grandma who grew old together.

The world is a tragedy to those, who feel, but a comedy to those who think.

Life is comedy to those who think, a tragedy to those who feel.

I refuse to answer that question on the grounds that I don’t know the answer.
 

Good Luck.                                                             See You Later.

26 Nov 2015

SHARE MARKET- NAVANEET EDUCATION LTD.

Hi Friends,  Navneet Education Ltd. (Rs.85) is primarily engaged in the business of publishing educational material, in both print and digital formats.  The company also manufactures paper and non-paper stationery products.  Investment Arguments Business expansion to mitigate cyclical risk:  NEL’s Publication business is seasonal in nature and any strong growth is dependent on major changes in the syllabus of Maharashtra (market share of 60%) and Gujarat boards (market share of 65%).  Now, the company is attempting to increase its revenues through business expansion in different segments.  It is taking initiatives like (a) Content publication for CBSE syllabus:  Apart from Maharashtra and Gujarat, NEL  is targeting to grow its presence in other states through its CBSE content business.  It is anticipated that the growth may continue to be strong in the segment on account of a syllabus change and also  with more schools in different states adopting CBSE curriculum.  (b)  Selling supplementary books to government :  NEL takes orders to sell  supplementary books to Maharashtra government ,  which get distributed to students in government schools.


  In FY 2013, NEL generated Rs.27 Cr through this business.  But in FY 2014, there were no government orders after many controversies arose related to the issue of tenders.  The tenders issue then got resolved and in FY 2015 the company generated a revenue of around Rs.25 Cr.  Going forward, the company to achieve strong revenue from the segment.  Higher exports  to drive stationery growth business:    In the Stationery segment, the company to report healthy growth in coming financial years on back of higher growth in exports.  The company mainly exports to USA and Africa.  Also, the company is looking to tap newer geographies like the  Middle East.  In FY 2015, exports in the segment reported a yoy growth of 33% to Rs.170 Cr.  In FY 2016, the company expects around Rs.200 Cr. from export sales.
 

 On the margin front, the company is expecting a margin improvement by 30-40 bp, benefiting from economies of scale.  Given the company’s proven track record, its strong brand, consistent performance of Government projects and E-Learning (Digital) segments, and with it tapping new segments like CBSE  across India, we can expect it to report  a healthy top-line and bottom-line CAGR of 4.1% and 5.5%, respectively, over FY 2015- 17E.  Moreover NEL has repaid the Rs.90 Cr. loan which will lead to significant saving in interest cost in the coming financial years.  At the current market price, the stock trades at a PE of 14.4x its FY 2017 E EPS.  Expecting good growth in all fields.
 

Thanking you,                                                             See You Later.

QUOTES- POSITIVE AND INSPIRATIONAL QUOTES.

Hi Friends,  Please read following positive & inspirational quotes.

There is harmony through out the universe, in every thing except human relationships.

Self discipline is the first rule of all successful leadership.

Today’s dreams become tomorrow’s realities.

It is not true that “all men are born equal”.  But it is true that they are born with equal rights.


A man who is at peace with himself is also at peace with the world.

Victory is always possible for the person who refuses to stop fighting.

An educated person is not necessarily the one who has  the knowledge , but the one who knows where to get it when he needs it.

A sick mind is more dangerous than a sick body, for it is a form of sickness which is always contagious.

If you born poor, it is not your mistake, but if you die poor, it is your mistake.

The man who trusts no other person doesn’t trust himself.

Riches improperly used become liabilities.

Train your mind to think in terms of it is possible and it can be done.

Happy thoughts attract happy people into your life.

A man needs difficulties in life because they are necessary to enjoy the success.

All of us do not have equal talent.  But all of us have an equal opportunity to develop our talents.
 

Good Luck.                                                                 See You Later.

25 Nov 2015

STOCK MARKET- KNOWLEDGE BANK.

Hi Friends,   Why would I choose stocks?

Stocks are one of the most effective tools for building wealth, as stocks are a share of ownership of a company.  You thus have great potential to receive monetary benefits when you own stock shares.  Owning stocks of fundamentally strong companies simply lets your money work harder for you since they appreciate in value over a period of time while also offering rich dividends on a periodic basis.


What instruments are traded in the stock markets?

There are various types of instruments traded in the stock market.  They include shares, mutual funds, IPOs, futures and options.


Where do I buy stocks?

Stock trading happens on stock exchanges.  However, you cannot buy directly at the exchange.  To buy stocks, you need to find a suitable broker who will understand your needs and buy stocks on your behalf.  You can think of them as agents who will conduct transactions for you without actually owning any of the securities themselves.  In exchange for facilitating or executing a trade, brokers will charge you a commission.


Where do I find stock related information?

Some of the most accessible avenues to get stock information are the internet, business news channels and print media.


What are some of the orders I can place?

You can place different kinds of orders such as Market orders, limit orders, stop loss orders, good – till – cancelled orders, after – market orders (AMOs), etc.


Market Order:  A market order is an order to buy or sell a stock at the current market price.  It signals your broker to execute the order at the best price currently available.  However, as market prices keep changing, a market order cannot guarantee a specific price.

Limit Order:  To avoid buying or selling  a stock at a price higher or lower than you wanted, you need to place a limit order rather than a market order.  A limit order is an order to buy or sell a security at a specific price.  You could use a limit order when you want to set the price of the stock.  In other words, you want to sell/buy particular scrip at a price other than the current market price.  However, although a limit order guarantees a price, it cannot guarantee execution of the trade.  This is because the stock might not reach the desired price on that particular trading day owing to market-related factors.

Stop Loss Order:  A stop loss order is a normal order placed with a broker to sell a security when it reaches a certain predetermined price called the trigger price.  Sometimes the market movements defy your expectation.  Such market reversals often result in loss-bearing transactions.  The stop loss trigger price is your defense mechanism-an amount at which you will be able to sustain yourself against such unanticipated market movements.

QUOTES- POSITIVE INSPIRATIONAL AND FUNNY QUOTES.

Hi Friends,  Please read the positive, inspirational and funny quotes.

Whenever you correct someone’s grammar,  just remember that nobody likes you.

Life is like a movie.   If you are sad – Drama.  If you are afraid – Suspense.  If you are angry – Action.  When you look at the mirror – Horror.  Now you are smiling:  That is comedy.

Best friends make the good times better and the hard times easier.


Teacher, you should know this , you learned this three years ago.  Me: I don’t even remember what I ate last week.

Dear  sleep, I know we had problems when I was younger but I love you now.

The worst feelings in the world is the home sickness that comes over a man occasionally when he is at home.

Everything is funny, as long as it’s happening to somebody else.

A doctor and an engineer both loved same girl.  Doctor every day gives her a Rose.  Engineer gives her an apple  daily.  Doctor to Engineer why you give her an apple every day?  Engineer replied.  An apple a day keeps a doctor away.

You wanna know who I am in love with?  Read the first word again.

We were given:  Two hands to hold.  Two legs to walk.  Two eyes to see,  two ears to listen.  But why only one heart.  Because the other was given to some one else.  For us to find.

Best way to kill yourself  - Love someone truly  you will die daily.

The most romantic love story is not Romeo and Juliet who died together but Grandpa and Grandma who grew old together.

The world is a tragedy to those, who feel, but a comedy to those who think.

Life is comedy to those who think, a tragedy to those who feel.

I refuse to answer that question on the grounds that I don’t know the answer.
 

Good Luck.                                                                   See You Later.

24 Nov 2015

STOCK MARKET- VALUE INVESTING TIPS.


Hi Friends,   Mantras for selecting shares for investment.
There are three things you need when selecting shares:  Common Sense, Research and Luck.  The first of these is often overlooked and undervalued.  It means walking into a big department store, say, noticing that it’s very busy, the quality of the products is good , and the tills are ringing merrily.  You might say to yourself:  This shop’s doing well, there is a real buzz about it.  I wonder if I should buy shares in the company that owns it?  Or it could be taking a more strategic  view and thinking:  More and more people are buying Digital TVs  these days,  I wonder if I should invest in one of the companies that makes them?  But this common sense approach should always be backed up with the second requirement for selecting shares:  solid research .  And this is the boring, but essential bit.



Here’s some basic questions to ask about a company you’re interested in:
Is it in a sector you think will do well?  What are your reasons for thinking this?
Does the company offer something unique, or are there many competitors in the same field?

What kind of track record does the company have to date?
Is the company growing?  (Look at its year-on-year performance figures).
How much cash does it have in the bank?
If it is not yet in profit, is it at least increasing its revenues in  a healthy way?
Is it showing growth in the dividends it pays out?
How highly valued is it?  (The price-earnings ratio is one measure of this.)  Is this based largely on future expectations or on past performance?
How volatile is the share price?  (Study its share price charts over different periods)
How is the company viewed by City analysts, the press and other commentators?
Is it considered to be a high-growth, high-risk sort of company, or stable and slow-growing?

The answers to all these questions should help you decide whether it is worth investing in the company and for how long.

Good Luck.                                                                See You Later.

QUOTES- POSITIVE,INSPIRATIONAL AND FUNNY QUOTES.

Hi Friends,    Please read the following positive,  inspirational and funny quotes.

When I am SINGLE,  all I see are couples being happy.  When I am DATING someone, all I see are singles being happy.

I hate it when couples have a little fight and then change their Face Book status to single.   I fight with my parents, and don’t change my status to orphan.

My Mom said follow your dreams, so I went back to bed.

The difference between school and life:  In school, you are taught a lesson and then given a test.  In life, you are given a test that teaches you a lesson.

My brain is like the Bermuda Triangle.  Information goes in and then it is never found again.

It is funny how when I am loud, people tell me to be quiet, but when I am quiet, people ask me what is wrong with me.

Don’t break anybody’s heart, they have only one.  Break their bones, they have 206.

Marriage is a relationship in which one is always right and the other is the  husband.

Yellow, Blue, Orange,  Black and Green .   Purple Yellow Red  Orange Green Black Blue Red Purple Green Blue  Orange.

I gave my father Rs.1000 /- and said , buy yourself something that will make your life easier.  So he went out and bought a present for my mother.

Always borrow money from a pessimist.  He won’t expect it back.

Three most difficult things to do in the world.:  1. You can’t count your hair.  2.  You can’t wash your eyes  with soap.  3.  You can’t breathe when your tongue is out.   Now please put your tongue back inside.

What is your qualification?

I  am a PhD.  What you mean by PhD.  Passed High school with Difficulty.

Common sense is a flower that does not grow in every one’s garden.

The trouble with retirement is that you never get a day off.

Common sense is like Deodorant.  The people who need it most never use it.
 

Good Luck.                                                              See You Later.

23 Nov 2015

SHARE MARKET- GIL LTD.

Hi Friends,  GIL   reported a disappointing set of numbers for 2 QFY 2016.  Its top line witnessed a 5.0% yoy decline to Rs.382 Cr.  The raw material cost declined by 495 bp yoy to 63.4% of sales, while employee and other expense increased by 1893 bp yoy and 100 bp yoy to 7.7% and 16.9% of sales respectively.  The EBITDA margin expanded by 202 bp yoy to 11.9% .  On the back of lower raw material cost, the net profit for the quarter increased  by 15.2% yoy to 29 Cr.  Expansion drive to lead to recovery in top-line:  GIL has laid out plans to significantly grow its presence in the passenger car segment in India, over the next five years .  
  

 The company aspires to be one of the top players in the mid to premium, and SUV segments, for passenger cars.   It is also evaluating entry into newer segments; in order to reach its goal, the company is weighing organic as well as in-organic growth options, to expand in India.  Strong balance sheet with high RoIC:  GIL is a debt free-cash rich company with RoIC estimated at 75.8% for FY 2017.  The company’s cash and equivalents are expected to be at Rs.524 Cr. by FY 2017- end, which would amount to 40% of the current market cap.  More importantly, GIL is one of the cheapest MNCs available to invest in, in the similar market cap range.  Outlook and Evaluation:  Expecting the company’s top-line to be at Rs.1888 Cr and Rs.1680 Cr in FY 2016 E and FY 2017 E respectively.  


Raw material cost is expected to remain stable over FY 2016 E-17 E resulting in EBITDA margin of 12.1% in FY 2016 E  and 11.9% in FY 2017E.  Consequently estimating the net profit to be at Rs.130 Cr in FY 2017 E.  At the current market price  stock is trading at a PE of 10.1x its FY 2017 E earnings.  On a TTM basis, GIL is one of the cheapest MNCs available as it trades at a PE of 14.0x while other MNCs (having market cap of Rs.1000 Cr. – Rs.5000 Cr.) trade above the 20.0x mark (median of 33.1 x).  Broker houses expecting a target price of Rs.625/- based on a target PE of 11X for FY 2017 E.

Good Luck.                                                               See You Later.

22 Nov 2015

QUOTES- POSITIVE AND INSPIRATIONAL QUOTES.

Hi friends. please read the following positive inspirational quotes for your pleasure of mind.

My brother is gay and my parents don’t care, as long as he marries a doctor.

If you make laugh I am already 89% in love with you.


Always remember.....an idiot who makes you laugh in his presence, will definitely make you cry in his absence...... because those idiots are our Real Friends.