PACIFIC & ORIENT BERHAD
Company Description
Company Info
My Analysis
Research House
Accounting Ratio
Technical Analysis
My notes based on 2013 quarter 1 report (number in '000):-
- Higher pbt in Insurance segment than FY12Q1 primarily due to higher investment income and better underwriting results arising from lower net claims incurred
- Lower revenue and pbt in Insurance segment than FY12Q4 mainly attributable to lower gross premium and allowance for impairment loss of insurance receivables as compared to a write back in allowance for impairment of insurance receivables in the immediate preceding quarter
- Estimate next 4Q eps after 2013 Q1 result announced = 0.1579, estimate PE on current price 1.46 = 8.82(DPS 0.067)
- Estimate next 4Q eps after 2012 Q4 result announced = 0.1504*1.05 = 0.1579, estimate highest/lowest PE = 8.84/7.19 (DPS 0.064)
- Estimate next 4Q eps after 2012 Q3 result announced = 218854*0.15/245714 = 0.136, estimate highest/lowest PE = 9.04/7.79 (DPS 0.07)
- Estimate next 4Q eps after 2012 Q2 result announced = 0.2018-0.0396+0.0031 = 0.1675, estimate highest/lowest PE = 7.1/4.65 (DPS 0.081)
- Estimate next 4Q eps after 2012 Q1 result announced = 218854*0.15/245714 = 0.1336, estimate highest/lowest PE = 7.29/6.32 (DPS 0.056)
- Estimate next 4Q eps after 2011 Q4 result announced = 0.0595*4 = 0.238, estimate highest/lowest PE = 4.51/2.96 (DPS 0.056)
- Estimate next 4Q eps after 2011 Q3 result announced = (0.0368+0.0658)*2*0.75 = 0.1539, estimate highest/lowest PE = 4.96/4.12 (DPS 0.056)
- Estimate next 4Q eps after 2011 Q2 result announced = 0.0368*4*0.9 = 0.1325, estimate highest/lowest PE = 6.18/5.24 (DPS 0.006)
- Estimate next 4Q eps after 2011 Q1 result announced = 0.0277*4 = 0.1108(ROE 3.5% per quarter), estimate highest/lowest PE = 8.66/6.35 (DPS 0.006)
- Estimate next 4Q eps after 2010 Q4 result announced = 0.05*4/2 = 0.1(ROE 3.5% per quarter), estimate highest/lowest PE = 9.6/7.7
P&O latest news (English)
P&O latest news (Chinese)
Financial Quarter Summary Open in New Window
Financial Quarter Balance Sheet Open in New Window
Financial Quarter Income Statement Open in New Window
Financial Quarter Segments Revenue
Financial Quarter Segments Profit
Short form reference
a_date = announcement date, yr = financial year end, qrt = quarter
h_price = stock highest price during the quarter, l_price = stock lowest price during the quarter
div = dividend recommend or declare in the quarter, roe = return on equity
c_roe = cumulative of return on equity during the financial year
rev = revenue in the current quarter, c_rev = cumulative of revenue during the financial year
pbt = profit before tax in the current quarter, c_pbt = cumulative of profit before tax during the financial year
eps = earnings per share in the current quarter, c_eps = cumulative of earnings per share during the financial year
asset = total asset, liab = total liability, mino = minority interest, equi = total equity
cfo = net cash flow from operating activities, cfi = net cash flow from investing activities
cff = net cash flow from financing activities, cash = cash and cash equivalents as at beginning of financial year
final = cash and cash equivalents as at current financial period ended
share = diluted/basic weighted average number of ordinary shares
c_share = cumulative of diluted/basic weighted average number of ordinary shares during the financial year
m_cap = market capital at announcement date of quarterly report, date = current financial period ended date
prof_m = profit margin, vat = income tax rate, pe = price earning per share ratio of recent four quarter
navps = net asset value per share, ntaps = net tangible asset per share, cps = cash per share
l_cur = liquidity current ratio, l_qui = liquidity quick ratio, l_cash = liquidity cash ratio
g_de = gearing debt to equity ratio, g_da = gearing debt to assets ratio
avg_w = working capital per thousand Ringgit sale
inv_d = days to sell the inventory, rec_d = days to collect the receivables
pay_d = days to pay the payables
Company Description
PACIFIC & ORIENT BERHAD is a Malaysia-based investment holding company. The Company is also engaged in the provision of management services. The Company has four segments: insurance, information technology, investment holding, and money lending. Other segments include distribution of consumer goods, provision of sales and administrative services, and provision of management and privilege card programme services. The Company's subsidiaries include Pacific and Orient Insurance Co. Berhad, engaged in general insurance business; P and O Technologies Sdn. Bhd., offers information technology services and equipments; Pacific and Orient Distribution Sdn. Bhd., is engaged in distribution of consumer goods and provision of sales and administrative services; P and O Capital Sdn. Bhd., is engaged in money lending, and P and O Technologies Sdn. Bhd., deals in computer hardware, software and systems.
Company Info
Listing Date | 1995-05-18 |
Market Capital (Capital Size) | 359,016,920 (Small) |
Par Value | RM 0.50 |
Board | Main |
Sector | Finance |
Major Industry | Underwriting of General Insurance |
Sub Industry | Information Technology Related Services |
Website | http://www.pacific-orient.com/ |
My Analysis
Forecast P/E now | (1.46-0.067)/0.1579 = 8.82 (Moderate) |
Target Price | 1.50+0.067 = 1.57 (PE 9.5, EPS 0.1579, DPS 0.067) |
First Support Price | 1.4 |
Second Support Price | 1.3 |
Risk Rating | MODERATE |
Research House
Kenanga Target Price | 1.8 (2013-03-28) |
Accounting Ratio
Return on Equity | 20.35% |
Dividend Yield | 4.59% |
Operating Profit Margin | 11.72% |
Net Profit Margin | 10.17% |
Tax Rate | 32.27% |
Asset Turnover | 0.4936 |
Net Asset Value Per Share | 1.01 |
Net Tangible Asset per share | 1.0 |
Price/Net Tangible Asset Per Share | 1.28 |
Cash Per Share | 3.02 |
Liquidity Current Ratio | 8.2915 |
Liquidity Quick Ratio | 6.5171 |
Liquidity Cash Ratio | 6.0083 |
Gearing Debt to Equity Ratio | 3.5028 |
Gearing Debt to Asset Ratio | 0.7779 |
Working capital per thousand Ringgit sale | 162.6% |
Days to sell the inventory | 164 |
Days to collect the receivables | 41 |
Days to pay the payables | 27 |
Technical Analysis
SMA 10 | 1.418 (Uptrend) |
SMA 20 | 1.412 (Uptrend 30 days) |
SMA 50 | 1.336 (Uptrend) |
SMA 100 | 1.289 (Uptrend) |
SMA 200 | 1.171 (Uptrend) |
MACD (26d/12d) | 0.02694 ( 0.001511 ) |
Signal (9) | 0.026178 ( 0.000191 ) |
MACD Histogram | 0.000762 (Bullish trend 1 day) |
Bolinger Upper Band | 1.517 |
Bolinger Lower Band | 1.307 |
My notes based on 2013 quarter 1 report (number in '000):-
- Higher pbt in Insurance segment than FY12Q1 primarily due to higher investment income and better underwriting results arising from lower net claims incurred
- Lower revenue and pbt in Insurance segment than FY12Q4 mainly attributable to lower gross premium and allowance for impairment loss of insurance receivables as compared to a write back in allowance for impairment of insurance receivables in the immediate preceding quarter
- Estimate next 4Q eps after 2013 Q1 result announced = 0.1579, estimate PE on current price 1.46 = 8.82(DPS 0.067)
- Estimate next 4Q eps after 2012 Q4 result announced = 0.1504*1.05 = 0.1579, estimate highest/lowest PE = 8.84/7.19 (DPS 0.064)
- Estimate next 4Q eps after 2012 Q3 result announced = 218854*0.15/245714 = 0.136, estimate highest/lowest PE = 9.04/7.79 (DPS 0.07)
- Estimate next 4Q eps after 2012 Q2 result announced = 0.2018-0.0396+0.0031 = 0.1675, estimate highest/lowest PE = 7.1/4.65 (DPS 0.081)
- Estimate next 4Q eps after 2012 Q1 result announced = 218854*0.15/245714 = 0.1336, estimate highest/lowest PE = 7.29/6.32 (DPS 0.056)
- Estimate next 4Q eps after 2011 Q4 result announced = 0.0595*4 = 0.238, estimate highest/lowest PE = 4.51/2.96 (DPS 0.056)
- Estimate next 4Q eps after 2011 Q3 result announced = (0.0368+0.0658)*2*0.75 = 0.1539, estimate highest/lowest PE = 4.96/4.12 (DPS 0.056)
- Estimate next 4Q eps after 2011 Q2 result announced = 0.0368*4*0.9 = 0.1325, estimate highest/lowest PE = 6.18/5.24 (DPS 0.006)
- Estimate next 4Q eps after 2011 Q1 result announced = 0.0277*4 = 0.1108(ROE 3.5% per quarter), estimate highest/lowest PE = 8.66/6.35 (DPS 0.006)
- Estimate next 4Q eps after 2010 Q4 result announced = 0.05*4/2 = 0.1(ROE 3.5% per quarter), estimate highest/lowest PE = 9.6/7.7
P&O latest news (English)
P&O latest news (Chinese)
Financial Quarter Summary Open in New Window
a_date | year | qrt | h_price | l_price | div | roe | c_roe | rev | c_rev | pbt | c_pbt | prof | c_prof | eps | c_eps | asset | c_asset | liab | c_liab | mino | equi | cfo | cfi | cff | cash | fcf | net | final | share | c_share | m_cap | date | oper_m | prof_m | vat | asset_t | pe | navps | ntaps | p/ntaps | cps | l_cur | l_qui | l_cash | g_de | g_da | avg_w | inv_d | rec_d | pay_d |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2013-02-21 | 2013 | 1 | N/A | N/A | 0.034 | 3.41% | 3.41% | 122556 | 122556 | 12468 | 12468 | 8445 | 8445 | 0.0346 | 0.0346 | 1115138 | 1017935 | 867481 | 122769 | - | 247657 | 16209 | 537 | 8432 | 15886 | 15672 | 7240 | 23126 | 244332 | 244332 | 312744 | 2012-12-31 | 11.72% | 10.17% | 32.27% | 0.4936 | - | 1.01 | 1.0 | 1.28 | 3.02 | 8.2915 | 6.5171 | 6.0083 | 3.5028 | 0.7779 | 162.6% | 164 | 41 | 27 |
2012-11-30 | 2012 | 4 | 1.46 | 1.2 | 0.01 | 9.56% | 17.30% | 131917 | 548767 | 25304 | 50610 | 20373 | 36865 | 0.0834 | 0.1504 | 1125384 | 1026414 | 877786 | 116334 | - | 247598 | 11773 | 4489 | 26946 | 59091 | 16262 | 43208 | 15883 | 244350 | 245062 | 293220 | 2012-09-30 | 20.67% | 19.18% | 19.49% | 0.4876 | 7.9771 | 1.01 | 1.0 | 1.2 | 3.02 | 8.823 | 6.8321 | 6.3371 | 3.5452 | 0.78 | 165.8% | 172 | 38 | 22 |
2012-08-29 | 2012 | 3 | 1.3 | 1.13 | 0.01 | 6.77% | 7.74% | 134348 | 416850 | 20232 | 25306 | 14430 | 16492 | 0.0590 | 0.0672 | 1090756 | 1005293 | 864520 | 113578 | - | 226236 | 30133 | 1208 | 22845 | 59100 | 31341 | 54186 | 4914 | 244639 | 245300 | 288674 | 2012-06-30 | 16.09% | 15.06% | 28.68% | 0.5025 | - | 0.92 | 0.91 | 1.3 | 2.98 | 8.8511 | 6.8804 | 6.4289 | 3.8213 | 0.7926 | 162.7% | 164 | 34 | 20 |
2012-05-31 | 2012 | 2 | 1.27 | 0.86 | 0.013 | 0.61% | 0.97% | 161647 | 282502 | 2101 | 5074 | 1310 | 2062 | 0.0053 | 0.0084 | 1092888 | 993607 | 877056 | 140922 | - | 215832 | 35427 | 303 | 4264 | 59090 | 35730 | 39994 | 19096 | 245546 | 245630 | 227130 | 2012-03-31 | 2.06% | 1.30% | 37.65% | 0.4969 | - | 0.88 | 0.87 | 1.06 | 2.61 | 7.0508 | 5.5619 | 4.5544 | 4.0636 | 0.8025 | 157.0% | 156 | 95 | 32 |
2012-02-22 | 2012 | 1 | 1.03 | 0.9 | 0.031 | 0.35% | 0.35% | 120855 | 120855 | 2973 | 2973 | 752 | 752 | 0.0031 | 0.0031 | 1029719 | 924889 | 810865 | 138019 | - | 218854 | 51927 | 210 | 124 | 59064 | 52137 | 52261 | 6803 | 245714 | 245714 | 262913 | 2011-12-31 | 3.54% | 2.46% | 74.71% | 0.52 | - | 0.89 | 0.88 | 1.22 | 2.46 | 6.7012 | 5.3783 | 4.3818 | 3.705 | 0.7875 | 147.0% | 141 | 94 | 25 |
2011-11-25 | 2011 | 4 | 1.13 | 0.76 | - | 8.19% | 27.70% | 131213 | 529294 | 19944 | 69279 | 14621 | 49459 | 0.0595 | 0.2018 | 1028892 | 925063 | 815814 | 141329 | - | 213078 | 55120 | 206 | 63931 | 50501 | 55326 | 8605 | 59106 | 245891 | 245124 | 184418 | 2011-09-30 | 16.28% | 15.20% | 26.69% | 0.5144 | 3.7171 | 0.87 | 0.86 | 0.87 | 2.48 | 6.5455 | 5.2492 | 4.3127 | 3.8287 | 0.7929 | 148.1% | 147 | 91 | 27 |
2011-08-23 | 2011 | 3 | 0.82 | 0.69 | 0.05 | 9.06% | 19.51% | 129350 | 398081 | 22546 | 49335 | 16184 | 34838 | 0.0658 | 0.1423 | 1033356 | 906038 | 817440 | 153130 | - | 215916 | 80330 | 221 | 73384 | 50477 | 80551 | 7167 | 43310 | 245953 | 244868 | 186924 | 2011-06-30 | 18.48% | 17.43% | 28.22% | 0.4997 | - | 0.88 | 0.87 | 0.87 | 2.51 | 5.9168 | 4.8182 | 4.0294 | 3.7859 | 0.7911 | 145.8% | 140 | 85 | 33 |
2011-05-31 | 2011 | 2 | 0.825 | 0.7 | - | 5.07% | 10.45% | 154001 | 268731 | 12814 | 26789 | 9048 | 18654 | 0.0368 | 0.0763 | 1029381 | 894197 | 827556 | 151208 | - | 201825 | 79759 | 164 | 73553 | 50484 | 79923 | 6370 | 44114 | 245953 | 244326 | 195532 | 2011-03-31 | 9.19% | 8.32% | 29.39% | 0.4826 | - | 0.83 | 0.81 | 0.98 | 2.51 | 5.9137 | 4.7989 | 4.078 | 4.1004 | 0.8039 | 149.6% | 145 | 80 | 38 |
2011-02-16 | 2011 | 1 | 0.965 | 0.71 | 0.0060 | 5.38% | 5.38% | 114730 | 114730 | 13975 | 13975 | 9606 | 9606 | 0.0396 | 0.0396 | 994732 | 859063 | 802065 | 170168 | - | 192667 | 47870 | 2 | 79746 | 50527 | 47868 | 31878 | 82405 | 242853 | 242853 | 212496 | 2010-12-31 | 12.71% | 12.18% | 31.26% | 0.4801 | - | 0.79 | 0.78 | 1.12 | 2.55 | 5.0483 | 4.2347 | 3.6378 | 4.163 | 0.8063 | 144.2% | 122 | 78 | 51 |
2010-11-30 | 2010 | 4 | 0.96 | 0.77 | - | 6.50% | 12.41% | 118309 | 478358 | 25897 | 41276 | 10620 | 20275 | 0.0924 | 0.1828 | 902913 | 751957 | 724365 | 101754 | - | 178548 | 38685 | 424 | 9642 | 21027 | 39109 | 29467 | 50494 | 114945 | 110889 | 89082 | 2010-09-30 | 22.44% | 21.89% | 58.99% | 0.5298 | 4.2387 | 1.61 | 1.59 | 0.49 | 4.77 | 7.39 | 6.1827 | 5.3908 | 4.057 | 0.8023 | 135.9% | 98 | 61 | 42 |
2010-08-20 | 2010 | 3 | 1.28 | 0.775 | - | 6.78% | 5.91% | 109701 | 360049 | 15395 | 15379 | 11072 | 9655 | 0.0992 | 0.0881 | 870090 | 72807 | 709091 | 197830 | - | 160999 | 5586 | 545 | 10786 | 12360 | 5041 | 15827 | 3467 | 111567 | 109558 | 137227 | 2010-06-30 | 14.62% | 14.03% | 28.08% | 0.5354 | - | 1.47 | 1.44 | 0.85 | 0.07 | 0.368 | 0.3601 | 0.0387 | 4.4043 | 0.815 | -26.8% | 1 | 50 | 116 |
2010-05-25 | 2010 | 2 | 1.29 | 0.585 | - | 1.99% | 0.87% | 134834 | 250348 | 5228 | 16 | 3247 | 1417 | 0.0299 | 0.0131 | 853447 | 51279 | 707900 | 85735 | - | 145547 | 4207 | 484 | 11430 | 12361 | 3723 | 15153 | 2792 | 108655 | 108554 | 132559 | 2010-03-31 | 4.38% | 3.88% | 37.89% | 0.5224 | - | 1.34 | 1.32 | 0.92 | 0.07 | 0.5981 | 0.5785 | 0.0931 | 4.8637 | 0.8295 | -7.7% | 1 | 34 | 29 |
2010-02-24 | 2010 | 1 | 1.57 | 1.14 | - | 13.07% | 13.07% | 115514 | 115514 | 27495 | 27495 | 21352 | 21352 | 0.1969 | 0.1969 | 820677 | 52735 | 679899 | 70771 | - | 140778 | 3000 | 80 | 8807 | 12374 | 2920 | 11727 | 647 | 108452 | 108452 | 125804 | 2009-12-31 | 23.24% | 23.80% | - | 0.515 | - | 1.3 | 1.27 | 0.91 | 0.11 | 0.7451 | 0.721 | 0.1625 | 4.8296 | 0.8285 | -4.3% | 2 | 34 | 15 |
2009-11-26 | 2009 | 4 | 1.2 | 1.04 | - | 3.26% | 10.57% | 105831 | 392494 | 480 | 25581 | 4613 | 14947 | 0.0429 | 0.1408 | 792253 | 47778 | 628908 | 71575 | - | 163345 | 4242 | 1388 | 1693 | 13541 | 2854 | 1161 | 12380 | 107526 | 106168 | 116128 | 2009-09-30 | 0.17% | 0.45% | - | 0.4954 | 7.6712 | 1.54 | 1.51 | 0.72 | 0.12 | 0.6675 | 0.6425 | 0.1783 | 3.8502 | 0.7938 | -6.1% | 2 | 31 | 19 |
2009-08-26 | 2009 | 3 | 1.12 | 0.97 | - | 18.17% | 13.83% | 89632 | 286663 | 34589 | 26061 | 25697 | 19560 | 0.2428 | 0.1850 | 771295 | 47057 | 604509 | 75048 | - | 166786 | 5825 | 1116 | 486 | 13542 | 4709 | 4223 | 9319 | 105830 | 105716 | 111121 | 2009-06-30 | 39.35% | 38.59% | 25.71% | 0.4991 | - | 1.58 | 1.55 | 0.68 | 0.12 | 0.627 | 0.5998 | 0.1691 | 3.6245 | 0.7838 | -7.3% | 2 | 31 | 18 |
2009-05-29 | 2009 | 2 | 1.07 | 0.9 | - | 1.77% | 4.34% | 111637 | 197031 | 3584 | 8528 | 2510 | 6137 | 0.0238 | 0.0581 | 743172 | 50623 | 603542 | 78829 | - | 139630 | 2634 | 267 | 1088 | 13541 | 2367 | 1279 | 12262 | 105323 | 105658 | 106376 | 2009-03-31 | 3.92% | 3.21% | 29.97% | 0.5062 | - | 1.32 | 1.29 | 0.78 | 0.13 | 0.6422 | 0.6144 | 0.1677 | 4.3224 | 0.8121 | -7.5% | 2 | 34 | 20 |
2009-02-13 | 2009 | 1 | 1.03 | 0.92 | - | 10.71% | 10.71% | 85394 | 85394 | 20771 | 20771 | 15141 | 15141 | 0.1428 | 0.1428 | 714515 | 63455 | 575572 | 82177 | - | 138943 | 3090 | 18 | 4438 | 13522 | 3108 | 1330 | 14852 | 105994 | 105994 | 108113 | 2008-12-31 | 23.32% | 24.32% | - | 0.5032 | - | 1.31 | 1.28 | 0.8 | 0.14 | 0.7722 | 0.7446 | 0.1838 | 4.1425 | 0.8055 | -5.2% | 2 | 47 | 21 |
2008-11-27 | 2008 | 4 | 1.06 | 0.93 | - | 3.89% | 17.85% | 98314 | 337212 | 6932 | 37164 | 7104 | 32617 | 0.0667 | 0.3057 | 694768 | 61934 | 553343 | 78145 | - | 141425 | 11543 | 607 | 4589 | 7181 | 10936 | 6347 | 13528 | 106503 | 106686 | 112893 | 2008-09-30 | 6.12% | 7.05% | - | 0.4854 | - | 1.33 | 1.3 | 0.82 | 0.13 | 0.7926 | 0.7637 | 0.1731 | 3.9126 | 0.7964 | -4.8% | 2 | 50 | 25 |
2008-08-25 | 2008 | 3 | 1.28 | 0.88 | - | 4.99% | 13.96% | 80818 | 238898 | 10914 | 30232 | 9124 | 25513 | 0.0855 | 0.2390 | 688850 | 66650 | 538644 | 81096 | - | 150206 | 3624 | 476 | 1853 | 7140 | 4100 | 2247 | 4893 | 106718 | 106746 | 131263 | 2008-06-30 | 12.45% | 13.50% | - | 0.4536 | - | 1.41 | 1.38 | 0.89 | 0.07 | 0.8219 | 0.7908 | 0.0882 | 3.586 | 0.7819 | -4.6% | 3 | 67 | 22 |
2008-05-23 | 2008 | 2 | 1.42 | 1.18 | 0.01875 | 7.37% | 8.97% | 94998 | 158080 | 16965 | 19318 | 13460 | 16389 | 0.1247 | 0.1535 | 670503 | 64199 | 508497 | 74497 | - | 162006 | 564 | 451 | 2533 | 7172 | 113 | 2420 | 4752 | 107912 | 106761 | 151076 | 2008-03-31 | 17.03% | 17.86% | - | 0.4386 | - | 1.52 | 1.49 | 0.94 | 0.07 | 0.8618 | 0.8202 | 0.1013 | 3.1388 | 0.7584 | -3.5% | 4 | 66 | 24 |
2008-02-21 | 2008 | 1 | 1.47 | 1.31 | - | 1.60% | 1.60% | 63082 | 63082 | 2353 | 2353 | 2929 | 2929 | 0.0277 | 0.0277 | 649221 | 54503 | 472372 | 62982 | - | 176849 | 2800 | 197 | 4033 | 7246 | 2603 | 1430 | 5816 | 105610 | 105610 | 153134 | 2007-12-31 | 2.52% | 3.73% | - | 0.4046 | - | 1.67 | 1.65 | 0.88 | 0.06 | 0.8654 | 0.8211 | 0.1018 | 2.671 | 0.7276 | -3.2% | 4 | 63 | 20 |
2007-11-29 | 2007 | 4 | 1.55 | 1.3 | - | N/A | N/A | 73548 | 256872 | 16994 | 10791 | 17129 | 3236 | 0.1619 | 0.0309 | 650143 | 51546 | 467404 | 61680 | - | 182739 | 10018 | 2878 | 13307 | 7640 | 12896 | 411 | 7229 | 105768 | 104864 | 152305 | 2007-09-30 | 22.05% | 23.11% | - | 0.3951 | 46.6638 | 1.74 | 1.71 | 0.84 | 0.07 | 0.8357 | 0.7899 | 0.1172 | 2.5578 | 0.7189 | -3.9% | 4 | 59 | 21 |
2007-08-27 | 2007 | 3 | 1.52 | 1.39 | 0.0375 | N/A | N/A | 62434 | 183324 | 11788 | 27785 | 7889 | 20365 | 0.0743 | 0.1933 | 644256 | 51659 | 442374 | 59746 | - | 201882 | 8536 | 1438 | 12127 | 7657 | 9974 | 2153 | 5504 | 106119 | 105357 | 144321 | 2007-06-30 | 20.00% | 18.88% | 33.08% | 0.2846 | - | 1.92 | 1.89 | 0.72 | 0.06 | 0.8646 | 0.816 | 0.1059 | 2.1913 | 0.6866 | -4.4% | 7 | 81 | 26 |
2007-05-28 | 2007 | 2 | N/A | N/A | 0.0375 | N/A | N/A | 63585 | 120890 | 392 | 15997 | 1339 | 12476 | 0.0126 | 0.1188 | 627363 | 51190 | 428809 | 54015 | - | 198554 | 13915 | 242 | 15238 | 7641 | 13673 | 1565 | 6076 | 106256 | 105016 | 176384 | 2007-03-31 | 0.63% | 0.62% | - | 0.1927 | - | 1.89 | 1.87 | 0.89 | 0.06 | 0.9477 | 0.8953 | 0.1124 | 2.1597 | 0.6835 | -2.3% | - | 122 | N/A |
2007-02-28 | 2007 | 1 | N/A | N/A | 0.0375 | N/A | N/A | 57305 | 57305 | 16389 | 16389 | 11137 | 11137 | 0.1073 | 0.1073 | 635150 | 50184 | 434451 | 65036 | - | 200699 | 2379 | 71 | 2556 | 7581 | 2450 | 5006 | 2575 | 103786 | 103786 | 166057 | 2006-12-31 | 29.94% | 28.60% | 32.05% | 0.0902 | - | 1.93 | 1.92 | 0.83 | 0.04 | 0.7716 | 0.7304 | 0.0657 | 2.1647 | 0.684 | -25.9% | - | 275 | N/A |
Financial Quarter Balance Sheet Open in New Window
year | qrt | Deferred tax assets (A-0) | Goodwill on consolidation (A-0) | Intangible assets (A-0) | Investment properties (A-0) | Other investments (A-0) | Prepaid lease payments (A-0) | Property, plant and equipment (A-0) | Cash and cash equivalents (A-1) | Current asset classified as held for sales (A-1) | Deposits with licensed banks (A-1) | Insurance receivables (A-1) | Inventories (A-1) | Loans (A-1) | Other receivables (A-1) | Reinsurance assets (A-1) | Trade receivables (A-1) | Insurance contract liabilities (L-0) | Current tax liabilities (L-1) | Hire purchase liabilities (L-1) | Insurance payables (L-1) | Loans & borrowings (L-1) | Other payables (L-1) | Provision for taxation (L-1) | Trade and other payables (L-1) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2013 | 1 | 4116 | 1935 | 1604 | 750 | 64293 | 317 | 24188 | 26627 | - | 711009 | 16645 | 586 | 123 | 44359 | 217249 | 1337 | 744712 | 1 | 1735 | 23374 | 87353 | 10226 | - | 80 |
2012 | 4 | 4011 | 1935 | 1236 | 750 | 66259 | 318 | 24461 | 18649 | - | 718570 | 19944 | 627 | 132 | 36017 | 230978 | 1497 | 761452 | 4 | 1839 | 16229 | 86238 | 11975 | - | 49 |
2012 | 3 | 5405 | 1935 | 827 | 750 | 56586 | 319 | 19641 | 6987 | - | 723194 | 18916 | 742 | 145 | 30788 | 223087 | 1434 | 750942 | 1362 | 1722 | 14842 | 85356 | 10258 | - | 38 |
2012 | 2 | 5475 | 1935 | 792 | 750 | 70085 | 320 | 19924 | 19096 | - | 622717 | 113535 | 735 | 156 | 26976 | 209083 | 1309 | 736134 | 6208 | 1886 | 26141 | 92234 | 14323 | - | 130 |
2012 | 1 | 5896 | 1935 | 805 | 605 | 75263 | 321 | 20005 | 8679 | - | 596094 | 110891 | 781 | 169 | 25653 | 181807 | 815 | 672846 | 8027 | 1833 | 21261 | 97593 | 9277 | - | 28 |
2011 | 4 | 6048 | 1935 | 734 | 605 | 74138 | 322 | 20047 | 59106 | - | 550410 | 109385 | 791 | 245 | 21594 | 182404 | 1128 | 674485 | - | 1596 | 23432 | 96648 | 8989 | 10647 | 17 |
2011 | 3 | 4957 | 1935 | 728 | 605 | 98510 | 323 | 20260 | 7211 | - | 609818 | 97105 | 917 | 259 | 22538 | 167303 | 887 | 664310 | - | 1730 | 28360 | 100604 | 8865 | 13537 | 34 |
2011 | 2 | 4740 | 1935 | 765 | 605 | 106202 | 324 | 20613 | 5746 | - | 610877 | 88642 | 1125 | 268 | 18946 | 167442 | 1151 | 676348 | - | 1868 | 32890 | 98929 | 9784 | 7688 | 49 |
2011 | 1 | 5930 | 1935 | 805 | 605 | 105492 | 325 | 20577 | 6110 | - | 612934 | 82477 | 1147 | 281 | 17841 | 137309 | 964 | 631897 | - | 1690 | 46956 | 103315 | 8873 | 9307 | 27 |
2010 | 4 | 5816 | 1935 | 825 | 605 | 120692 | 326 | 20757 | 5730 | - | 542804 | 61955 | 1209 | 292 | 16888 | 121638 | 1441 | 622611 | - | 1631 | 40038 | 44204 | 10725 | 5103 | 53 |
2010 | 3 | 14448 | 1935 | 756 | 605 | 759041 | 327 | 20171 | 6951 | - | 713 | - | 1564 | 304 | 23129 | - | 40146 | 511261 | - | 1069 | - | 47632 | 9888 | - | 139241 |
2010 | 2 | 17707 | 1935 | 753 | 605 | 760335 | 328 | 20505 | 7273 | - | 710 | - | 1681 | 315 | 24238 | - | 17062 | 622165 | - | 1063 | - | 51025 | 9388 | - | 24259 |
2010 | 1 | 19871 | 1935 | 817 | 605 | 723568 | 329 | 20817 | 7547 | - | 3954 | - | 1711 | 330 | 21454 | - | 17739 | 609128 | - | 1050 | - | 53854 | 9485 | - | 6382 |
2009 | 4 | 13243 | 1935 | 868 | 605 | 706242 | 330 | 21252 | 8446 | - | 4319 | - | 1789 | 341 | 18233 | - | 14650 | 557333 | - | 1165 | - | 52135 | 9813 | - | 8462 |
2009 | 3 | 19688 | 1935 | 877 | 605 | 680071 | 331 | 20731 | 6758 | - | 5931 | - | 2041 | 352 | 14942 | - | 17033 | 529461 | - | 1078 | - | 56371 | 9129 | 7 | 8463 |
2009 | 2 | 29355 | 1935 | 892 | 605 | 638685 | 332 | 20745 | 7242 | - | 5978 | - | 2190 | 362 | 13484 | - | 21367 | 524713 | - | 1229 | - | 55208 | 8590 | 1701 | 12101 |
2009 | 1 | 28632 | 1935 | 940 | 605 | 597634 | 333 | 20981 | 7085 | - | 8022 | - | 2268 | 373 | 17222 | - | 28485 | 493395 | - | 1382 | - | 57055 | 7771 | 943 | 15026 |
2008 | 4 | 25293 | 1935 | 993 | 595 | 588919 | 334 | 14765 | 7060 | - | 6468 | - | 2251 | 395 | 17730 | - | 28030 | 475198 | - | 1542 | - | 51550 | 9078 | 942 | 15033 |
2008 | 3 | 22345 | 1935 | 937 | 585 | 580886 | 335 | 15177 | 4863 | - | 2289 | - | 2521 | 14219 | 19287 | - | 23471 | 457548 | - | 1699 | - | 59759 | 8267 | - | 11371 |
2008 | 2 | 21639 | 1935 | 978 | 585 | 566292 | 336 | 14539 | 4832 | - | 2715 | - | 3093 | 13951 | 17590 | - | 22018 | 434000 | - | 1099 | - | 52945 | 7784 | 554 | 12115 |
2008 | 1 | 17973 | 1935 | 912 | 585 | 557982 | 337 | 14994 | 3852 | - | 2558 | - | 2790 | 13683 | 17287 | - | 14333 | 409390 | - | 1130 | - | 47994 | 6791 | 227 | 6840 |
2007 | 4 | 18495 | 1935 | 967 | 585 | 561042 | 338 | 15235 | 5014 | - | 2215 | - | 2826 | 13416 | 17323 | - | 10752 | 405724 | - | 1059 | - | 47650 | 7369 | - | 5602 |
2007 | 3 | 22915 | 1935 | 1035 | 441 | 550420 | 412 | 15439 | 3863 | 1550 | 2463 | - | 2906 | 13009 | 18842 | - | 9026 | 382628 | - | 992 | - | 48463 | 5172 | 282 | 4837 |
2007 | 2 | 25316 | 1935 | - | 600 | 529465 | 413 | 18444 | 5007 | 1779 | 1062 | - | 2828 | 12750 | 19780 | - | 7984 | 374794 | - | 1032 | - | 41019 | 5378 | 2200 | 4386 |
2007 | 1 | 27253 | 1935 | - | 603 | 534042 | 415 | 20718 | 4177 | - | 94 | - | 2680 | 18493 | 16440 | - | 8300 | 369415 | - | 1126 | - | 49196 | 4918 | 4197 | 5599 |
Financial Quarter Income Statement Open in New Window
year | qrt | Revenue | Income tax expense | Finance/interest costs | Other income | Administrative/Operating expenses |
---|---|---|---|---|---|---|
2013 | 1 | 122556 | 4023 | 1900 | 4870 | 113058 |
2012 | 4 | 131917 | 4931 | 1967 | 17062 | 121708 |
2012 | 3 | 134348 | 5802 | 1388 | 16156 | 128884 |
2012 | 2 | 161647 | 791 | 1231 | 11185 | 169500 |
2012 | 1 | 120855 | 2221 | 1300 | 4999 | 121581 |
2011 | 4 | 131213 | 5323 | 1414 | 10154 | 120009 |
2011 | 3 | 129350 | 6362 | 1355 | 243 | 105692 |
2011 | 2 | 154001 | 3766 | 1346 | 838 | 140679 |
2011 | 1 | 114730 | 4369 | 602 | 654 | 100807 |
2010 | 4 | 118309 | 15277 | 655 | 9631 | 101388 |
2010 | 3 | 109701 | 4323 | 644 | 166 | 93828 |
2010 | 2 | 134834 | 1981 | 678 | 236 | 129164 |
2010 | 1 | 115514 | 6143 | 655 | 256 | 142610 |
2009 | 4 | 105831 | 4133 | 657 | 4648 | 110302 |
2009 | 3 | 89632 | 8892 | 678 | 19251 | 73616 |
2009 | 2 | 111637 | 1074 | 795 | 2482 | 109740 |
2009 | 1 | 85394 | 5630 | 855 | 520 | 105830 |
2008 | 4 | 98314 | 172 | 916 | 1078 | 105408 |
2008 | 3 | 80818 | 1790 | 850 | 650 | 91532 |
2008 | 2 | 94998 | 3505 | 785 | 1048 | 112226 |
2008 | 1 | 63082 | 576 | 763 | 818 | 65490 |
2007 | 4 | 73548 | 135 | 778 | 1162 | 90926 |
2007 | 3 | 62434 | 3899 | 699 | 16432 | 66379 |
2007 | 2 | 63585 | 1731 | 792 | 5092 | 68277 |
2007 | 1 | 57305 | 5252 | 766 | 17199 | 57349 |
Financial Quarter Segments Revenue
year | qrt | Others | Elimination/Adjustment | Investment holding | Insurance | Information technology | Money Lending |
---|---|---|---|---|---|---|---|
2013 | 1 | 91 | 20909 | 17676 | 120692 | 5006 | - |
2012 | 4 | 82 | 15172 | 12191 | 130427 | 4389 | - |
2012 | 3 | 80 | 21168 | 18415 | 133005 | 4010 | - |
2012 | 2 | 92 | 28336 | 15646 | 160424 | 4211 | - |
2012 | 1 | 93 | 4808 | 2358 | 119745 | 3467 | - |
2011 | 4 | - | 31477 | 28883 | 129913 | 3800 | 94 |
2011 | 3 | - | 4943 | 2321 | 128371 | 3506 | 95 |
2011 | 2 | - | 12557 | 10124 | 152995 | 3348 | 91 |
2011 | 1 | 2 | 3369 | 953 | 113607 | 3439 | 98 |
2010 | 4 | - | 3445 | 878 | 116635 | 4144 | 97 |
2010 | 3 | - | 3350 | 715 | 108139 | 4095 | 102 |
2010 | 2 | - | 2767 | 1041 | 132727 | 3741 | 92 |
2010 | 1 | 2 | 3644 | 855 | 114897 | 3332 | 72 |
2009 | 4 | 5 | 3417 | 801 | 104582 | 3797 | 63 |
2009 | 3 | - | 2919 | 794 | 88344 | 3373 | 40 |
2009 | 2 | - | 3142 | 990 | 110403 | 3341 | 45 |
2009 | 1 | 1 | 2948 | 2588 | 82298 | 3412 | 43 |
2008 | 4 | - | 3752 | 1827 | 95162 | 4839 | 238 |
2008 | 3 | - | 2871 | 986 | 78881 | 3502 | 320 |
2008 | 2 | - | 2593 | 992 | 93613 | 2669 | 317 |
2008 | 1 | 9 | 13304 | 11660 | 61683 | 2720 | 314 |
2007 | 4 | - | 2592 | 1931 | 70843 | 3056 | 310 |
2007 | 3 | - | 2517 | 889 | 61216 | 2540 | 306 |
2007 | 2 | - | 19233 | 17536 | 61548 | 3425 | 309 |
2007 | 1 | 9 | 2846 | 1965 | 55159 | 2719 | 299 |
Financial Quarter Segments Profit
year | qrt | Others | Elimination/Adjustment | Investment holding | Insurance | Information technology | Money Lending |
---|---|---|---|---|---|---|---|
2013 | 1 | 41 | 15869 | 13202 | 16046 | 952 | - |
2012 | 4 | 20 | 10738 | 7868 | 28583 | 389 | - |
2012 | 3 | 110 | 15385 | 13804 | 21771 | 68 | - |
2012 | 2 | 12 | 13672 | 13733 | 2474 | 422 | - |
2012 | 1 | 40 | 185 | 4184 | 8428 | 1496 | - |
2011 | 4 | 6 | 26879 | 23160 | 23136 | 380 | 153 |
2011 | 3 | 77 | 115 | 974 | 24526 | 1021 | 53 |
2011 | 2 | 8 | 8409 | 7935 | 14071 | 795 | 20 |
2011 | 1 | 9 | 261 | 1798 | 16249 | 797 | 69 |
2010 | 4 | 6 | 3557 | 7678 | 30246 | 1114 | 69 |
2010 | 3 | 10 | 301 | 1206 | 17165 | 318 | 69 |
2010 | 2 | 11 | 26905 | 1412 | 3177 | 463 | 49 |
2010 | 1 | 10 | 27327 | 1159 | 2561 | 923 | 1 |
2009 | 4 | 6 | 15978 | 16592 | 1272 | 496 | 1 |
2009 | 3 | 23 | 119 | 1415 | 37685 | 990 | 134 |
2009 | 2 | 48 | 309 | 105 | 4301 | 253 | 136 |
2009 | 1 | 47 | 241 | 961 | 10840 | 1165 | 20 |
2008 | 4 | 46 | 319 | 458 | 6910 | 649 | 128 |
2008 | 3 | 44 | 453 | 695 | 6587 | 2553 | 261 |
2008 | 2 | 51 | 476 | 1644 | 13039 | 2094 | 143 |
2008 | 1 | 54 | 11389 | 9068 | 3503 | 2882 | 146 |
2007 | 4 | 22 | 1359 | 1932 | 13772 | 2042 | 175 |
2007 | 3 | 138 | 197 | 981 | 15533 | 1957 | 210 |
2007 | 2 | 117 | 16494 | 15205 | 4268 | 2388 | 77 |
2007 | 1 | 149 | 285 | 784 | 21300 | 2913 | 16 |
a_date = announcement date, yr = financial year end, qrt = quarter
h_price = stock highest price during the quarter, l_price = stock lowest price during the quarter
div = dividend recommend or declare in the quarter, roe = return on equity
c_roe = cumulative of return on equity during the financial year
rev = revenue in the current quarter, c_rev = cumulative of revenue during the financial year
pbt = profit before tax in the current quarter, c_pbt = cumulative of profit before tax during the financial year
eps = earnings per share in the current quarter, c_eps = cumulative of earnings per share during the financial year
asset = total asset, liab = total liability, mino = minority interest, equi = total equity
cfo = net cash flow from operating activities, cfi = net cash flow from investing activities
cff = net cash flow from financing activities, cash = cash and cash equivalents as at beginning of financial year
final = cash and cash equivalents as at current financial period ended
share = diluted/basic weighted average number of ordinary shares
c_share = cumulative of diluted/basic weighted average number of ordinary shares during the financial year
m_cap = market capital at announcement date of quarterly report, date = current financial period ended date
prof_m = profit margin, vat = income tax rate, pe = price earning per share ratio of recent four quarter
navps = net asset value per share, ntaps = net tangible asset per share, cps = cash per share
l_cur = liquidity current ratio, l_qui = liquidity quick ratio, l_cash = liquidity cash ratio
g_de = gearing debt to equity ratio, g_da = gearing debt to assets ratio
avg_w = working capital per thousand Ringgit sale
inv_d = days to sell the inventory, rec_d = days to collect the receivables
pay_d = days to pay the payables
24 comments:
great article
Ogniwa fotowoltaiczne
This article is mind blowing I read it and enjoyed. I always find this type of article to learn and gather knowledge.
Elektrownia sloneczna
This article is mind blowing. When I read this article, I enjoyed.
book publicist
novamsc TP 60 cents!!!
capital repayment+takeover...big accumulation done for years already
Hi Guys, I found a Website to perform Discounted Cash Flow Model calculations, no need to do those calculations on the Excel file anymore, check it out:
http://turnkeyanalyst.com/2013/09/19/cloud-based-discounted-cash-flow-analysis-tool/
This specific submit can be mind-blowing. While we undergo this informative article, My spouse and i liked.
Managed IT Services
This article is mind blowing. When I read this article, I enjoyed.
Managed IT Services
I like the charts as this says us about all the previous records of market ups and down and I use forex tips as I get confused sometimes and not able to read the chart.
Pacific and Orient Berhard is one my luckiest stocks to do KLSE stock analysis for it as its calls are too much accurate.
Saya sangat bersyukur atas rahmat yg diberikan kepada saya dibulan ini karna alhamdulillah melalui MBAH RAWAIRE saya sekaran sudah bisa sukses atas nomor yg diberikan kepada saya dan saya yg dulunya cuma seorang TKW dari singapur yg gajinya tidak pernah mencukupi kebutuhan keluarga saya dikampun dan alhamdulillah berkat bantuan MBAH RAWAIRE kini saya sudah bisa pulang kampun,saya bersama keluarga dikampun sudah punya usaha sendiri dan saya tidak pernah menyanka kalau saya bisah seperti ini,jika anda ingin seperti saya silahkan hubungi MBAH RAWAIRE di nomor 085-316-106-111...karna alhamdulillah saya menan nomor togel dari MBAH dan kalau uang indonesia 750 juta,,ini bukan rekayasa dari saya dari IBU RISKA.untuk lebih lenkapnya silahkan buka SITUS MBAH RAWAIRE
Saya sangat bersyukur atas rahmat yg diberikan kepada saya dibulan ini karna alhamdulillah melalui MBAH RAWAIRE saya sekaran sudah bisa sukses atas nomor yg diberikan kepada saya dan saya yg dulunya cuma seorang TKW dari singapur yg gajinya tidak pernah mencukupi kebutuhan keluarga saya dikampun dan alhamdulillah berkat bantuan MBAH RAWAIRE kini saya sudah bisa pulang kampun,saya bersama keluarga dikampun sudah punya usaha sendiri dan saya tidak pernah menyanka kalau saya bisah seperti ini,jika anda ingin seperti saya silahkan hubungi MBAH RAWAIRE di nomor 085-316-106-111...karna alhamdulillah saya menan nomor togel dari MBAH dan kalau uang indonesia 750 juta,,ini bukan rekayasa dari saya dari IBU RISKA.untuk lebih lenkapnya silahkan buka SITUS MBAH RAWAIRE
Saya sangat bersyukur atas rahmat yg diberikan kepada saya dibulan ini karna alhamdulillah melalui MBAH RAWAIRE saya sekaran sudah bisa sukses atas nomor yg diberikan kepada saya dan saya yg dulunya cuma seorang TKW dari singapur yg gajinya tidak pernah mencukupi kebutuhan keluarga saya dikampun dan alhamdulillah berkat bantuan MBAH RAWAIRE kini saya sudah bisa pulang kampun,saya bersama keluarga dikampun sudah punya usaha sendiri dan saya tidak pernah menyanka kalau saya bisah seperti ini,jika anda ingin seperti saya silahkan hubungi MBAH RAWAIRE di nomor 085-316-106-111...karna alhamdulillah saya menan nomor togel dari MBAH dan kalau uang indonesia 750 juta,,ini bukan rekayasa dari saya dari IBU RISKA.untuk lebih lenkapnya silahkan buka SITUS MBAH RAWAIRE
Saya sangat bersyukur atas rahmat yg diberikan kepada saya dibulan ini karna alhamdulillah melalui MBAH RAWAIRE saya sekaran sudah bisa sukses atas nomor yg diberikan kepada saya dan saya yg dulunya cuma seorang TKW dari singapur yg gajinya tidak pernah mencukupi kebutuhan keluarga saya dikampun dan alhamdulillah berkat bantuan MBAH RAWAIRE kini saya sudah bisa pulang kampun,saya bersama keluarga dikampun sudah punya usaha sendiri dan saya tidak pernah menyanka kalau saya bisah seperti ini,jika anda ingin seperti saya silahkan hubungi MBAH RAWAIRE di nomor 085-316-106-111...karna alhamdulillah saya menan nomor togel dari MBAH dan kalau uang indonesia 750 juta,,ini bukan rekayasa dari saya dari IBU RISKA.untuk lebih lenkapnya silahkan buka SITUS MBAH RAWAIRE
Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only:
osmanloanserves@gmail.com
Please, do provide us with the Following information if interested.
LOAN APPLICATION INFORMATION FORM
First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
City:
State/province:
Zip/postal code:
Country:
Phone:
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us…..
osmanloanserves@gmail.com
Nice information about this
Free Stock Trading Tips
I admire this article for the well-researched content and excellent wording. I got so involved in this material that I couldn’t stop reading. I am impressed with your work and skill. Thank you so much.
KLSE Stock Picks
Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius, call/whats-App Contact Number +918929509036 via email:(urgentloan22@gmail.com) Thank you.
Fantastic information help you to trade in the right direction, your sharing news is really good.thank for posting such a great content.
stock trading tips
WELCOME TO CONSUMER LOAN FIRM .......... Are you a businessman or a woman? Are you in any financial mess or do you need funds to start your own business? Do you need a loan to start a small-scale pleasant and medium business? Do you have a low credit score and are you finding it difficult to obtain equity loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our main goal is to help you get the services you deserve, Our program is the fastest way to get what you need in a snap. Reduce your payments to ease the pressure on your monthly expenses. Gain flexibility with which you can use for any purpose - holiday, education, for exclusive purchases We offer a wide range of financial services, which includes: Business Planning, Commercial and Financial Development, Properties and Mortgages, Debt Consolidation Loans , Private Loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, companies. WE OFFER ALL TYPE OF LOANS, APPLY TODAY FOR AVAILABLE LOANS. Please contact us via email for more information: (consumerloanfirm@gmail.com)
WELCOME TO CONSUMER LOAN FIRM .......... Are you a businessman or a woman? Are you in any financial mess or do you need funds to start your own business? Do you need a loan to start a small-scale pleasant and medium business? Do you have a low credit score and are you finding it difficult to obtain equity loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our main goal is to help you get the services you deserve, Our program is the fastest way to get what you need in a snap. Reduce your payments to ease the pressure on your monthly expenses. Gain flexibility with which you can use for any purpose - holiday, education, for exclusive purchases We offer a wide range of financial services, which includes: Business Planning, Commercial and Financial Development, Properties and Mortgages, Debt Consolidation Loans , Private Loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, companies. WE OFFER ALL TYPE OF LOANS, APPLY TODAY FOR AVAILABLE LOANS. Please contact us via email for more information: (consumerloanfirm@gmail.com)
I'm 40 years old female I tested genital herpes (HSV1-2) positive in 2016. I was having bad outbreaks. EXTREMELY PAINFUL. I have try different kinds of drugs and treatment by the medical doctors all to know was avail. Six months ago I was desperately online searching for a helpful remedies for genital herpes (HSV1-2) cure, which I come across some helpful remedies on how DR.WEALTHY have help so many people in curing genital herpes (HSV1-2) with the help of herbal treatment because I too believe there is someone somewhere in the world who can cure herpes completely. At of the past 2 months, however, I've been following his herpes protocol and it stopped all outbreaks completely! To my greatest surprise I was cured completely by following the protocol of his herbal medicine . Don't be discouraged by the medical doctors. There is a cure for HSV with the help of herbs and roots by a herbalist Dr call DR.WEALTHY he is so kind and truthful with his herbal treatment, kindly contact him for more information Via wealthylovespell@gmail.com or WhatsApp DR on +2348105150446 or visit his website https://wealthylovespell.blogspot.com.
You will be lucky as I am today if you have the courage to contact him and listen to his instruction.
Biden Student Loan Forgiveness Could Erase the Debt of Most Borrowers
AFRICAN SERVAL CAT
SAVANNAH CAT BREEDER
BENGAL CAT BREEDER
SERVAL KITTEN
LONG HAIR FRENCH BULLDOGS
F1, F2, F3, F4, and F5, Savannah cats for sale
bengal cats and kittens for sale
caracal kittens for sale
f1 savannah kittens for sale
serval kittens for sale
buy savannah cats and kittens for sale near me
savannah cats for sale near me
buy cats and kittens for sale
Nice post. Thank you for sharing. Stock market trading can fetch you a lot of profit if we play it smart.
ITC Share Price
F1, F2, F3, F4, & F5 Savannah Cats for Sale
savannah cats and kittens for sale near me
F1 savannah kittens for sale
serval cats and kittens for sale near me
buy cats and kittens for sale
caracal cats and kittens for sale
bengal cats and kittens for sale
Post a Comment