Square_Tea4916
Square_Tea4916 OP t1_j8mizri wrote
Reply to [OC] Weekly Poll asking if the Stock Market will be Up or Down in 12 months plotted with the Future 12-month Outcome. by Square_Tea4916
Source: https://today.yougov.com/topics/economy/trackers/us-stock-market-expectations and Google Finance
Tool: Google Charts
Square_Tea4916 OP t1_j7uf4qi wrote
Reply to [OC] Affirm’s Income Statement 2022 Q3 and Q4 Visualized with a Sankey Diagram by Square_Tea4916
Source: https://investors.affirm.com/
Tool: SankeyMATIC
Square_Tea4916 OP t1_j7a0eov wrote
Reply to [OC] Google Searches for “How to Lose Weight” upticks during the New Year and declines as summer ends. by Square_Tea4916
Source: https://trends.google.com/trends/?geo=US Tool: Google Charts
Square_Tea4916 OP t1_j72zszx wrote
Reply to comment by Brewe in [OC] McDonald’s High-Level Cash Flow Statement Visualized with a Waterfall Chart. by Square_Tea4916
Businesses operate a bit different than individuals in this sense. The tldr of it is
Investing Activities are expenditures in long-term assets (think things that are depreciating such as cars and laptops).
Financing are things you do in the form of something equitable in order to fund the business. This is like receiving a loan or paying off debt in order to finance your Operations and Investments. Typically re-purchasing their own equity is them essentially buying up their own financing so they can keep more of their dividends as they feel sustainable with their cash on hand in the foreseeable future.
Square_Tea4916 OP t1_j72o7ue wrote
Reply to comment by mmethylphenol in [OC] McDonald’s High-Level Cash Flow Statement Visualized with a Waterfall Chart. by Square_Tea4916
There is a lot going on for sure
Square_Tea4916 OP t1_j72dp6e wrote
Reply to comment by weluckyfew in [OC] McDonald’s High-Level Cash Flow Statement Visualized with a Waterfall Chart. by Square_Tea4916
Boom! You got it. I’m not an accountant, just an analyst. But cash flow is a really good way to see the health and direction of a business.
FYI - Waterfall is the more “corporate” way of doing a Sankey Diagram if you’ve seen those
Square_Tea4916 OP t1_j721qyn wrote
Reply to [OC] McDonald’s High-Level Cash Flow Statement Visualized with a Waterfall Chart. by Square_Tea4916
Source: https://corporate.mcdonalds.com/corpmcd/investors.html Tool: Google Sheets
Square_Tea4916 OP t1_j6slr9p wrote
Reply to comment by ceelo71 in [OC] Manchester United Income and Expenses Breakdown of their 2022 Annual Report by Square_Tea4916
Didn’t include it actually. Typically I stop there cause it can get messy, but it’ll be right after Net Income in their Report.
Square_Tea4916 OP t1_j6ryjye wrote
Reply to comment by maof97 in [OC] Manchester United Income and Expenses Breakdown of their 2022 Annual Report by Square_Tea4916
Sankey. Typically reading their Investor Relations Quarterly/Annual Reports (formal version is a 10K) showing what’s called an Income Statement
Square_Tea4916 OP t1_j6qiw0t wrote
Reply to comment by currentscurrents in [OC] Manchester United Income and Expenses Breakdown of their 2022 Annual Report by Square_Tea4916
Think they can flip a switch to make it easily profitable. Not buying 1-2 players and not offering as high of wages relative to other clubs.
It’s pretty much like an over-valued tech company - high potential and big brand name.
But also hear owners get extremely favorable tax benefits from being owners in a large depreciating asset.
Square_Tea4916 OP t1_j6q9lvh wrote
Reply to comment by chicagotim1 in [OC] Manchester United Income and Expenses Breakdown of their 2022 Annual Report by Square_Tea4916
Think they lost more on Matchday cause of COVID-19 policies. Includes the back half of 2021.
Square_Tea4916 OP t1_j6q8ry8 wrote
Reply to comment by Kanuddie in [OC] Manchester United Income and Expenses Breakdown of their 2022 Annual Report by Square_Tea4916
I’ve always heard when it comes to owning big sports clubs, it’s expected to take a loss every year in order to grow the club’s overall value cause they make their money on the sale of the franchise.
Square_Tea4916 OP t1_j6q4usa wrote
Square_Tea4916 t1_j5kp7tw wrote
Reply to [OC] My 2022 Net Expenses by cash_is_key
Love including the Credit Card and Savings Interest Income! Very detailed and disciplined.
Square_Tea4916 t1_j5koa0e wrote
Reply to comment by LeverageShares in [OC] Ahead of the Pack: A Look at Insider Ownership by LeverageShares
I like the idea, but bit selective in which companies you show. I’d put in a note that it was select founders (based on X).
Square_Tea4916 t1_j5fny1o wrote
Reply to comment by mydriase in The evolution of acidity in our oceans // 1910 - 2010 // [OC] by mydriase
Thanks, this is awesome! I was kind of shocked seeing the water near the Panama Canal wasn't as acidic. Maybe it does have more to do with current patterns.
Square_Tea4916 t1_j5fjp6y wrote
Interesting how it's less acidic in the middle. Wonder what it would look like with a Shipping Route Overlay.
Square_Tea4916 t1_j5cvth7 wrote
Recommend a Waterfall or Bar chart sorted by highest to lowest.
Square_Tea4916 t1_j49q1ik wrote
Reply to comment by joongoon543 in USA Credit Cards: Card Balances v. Interest Rate [OC] by rosetechnology
They have to spend all that interchange in rewards and partnerships to maintain their customer base. Not to mention all the operational costs in servicing, disputes, and fraud. You can’t run a credit card business successfully on just interchange and be profitable. I don’t know a single bank where interchange outweighs interest even if their entire customer base is super prime.
The truth is… credit cards have become a bet on missed payments and overspending. For every 1 customer who genuinely needed “short-term liquidity” to cover for basic needs there’s 20 to 30 customers blowing stacks on the latest influencer’s merchandise or booking an expensive trip to live like royalty.
Square_Tea4916 t1_j49bw7f wrote
Reply to comment by joongoon543 in USA Credit Cards: Card Balances v. Interest Rate [OC] by rosetechnology
Assuming you mean a 1% Charge-off rate. Interchange is peanuts compared to what most banks make in fees/interest. I’ve worked at one of the largest Super Regional bank and a global bank spinning up card programs in Europe and North America and can tell you without a doubt the most profitable program is raising credit limits to increase outstanding balances.
Square_Tea4916 t1_j4952ch wrote
Reply to comment by joongoon543 in USA Credit Cards: Card Balances v. Interest Rate [OC] by rosetechnology
Lot of kool-aid there. How does your Bank’s Credit Card make money? Just curious.
Square_Tea4916 t1_j47si66 wrote
Reply to comment by 77Gumption77 in USA Credit Cards: Card Balances v. Interest Rate [OC] by rosetechnology
Nice way of saying people are stupid. You’re not wrong.
Assuming they were financially educated and pushing their personal finances to the edge, they’d most likely switch over to BNPL which charges a fraction of the cost for late payments.
Ever notice Credit Cards don’t require you to establish how you’re going to pay and put auto-pay on by default? Can tell you at a major US Credit Card Issuer the rate is LOW for auto-pay enrollment.
Square_Tea4916 t1_j473p6h wrote
Reply to comment by [deleted] in USA Credit Cards: Card Balances v. Interest Rate [OC] by rosetechnology
As long as you don’t spend proportionally to your credit limit increase you’re fine. Most banks have a credit limit increase program such that a good percentage of customers will start spending more on their card collecting the measly interchange and some will actually miss payments and go into debt - even more profitable.
Square_Tea4916 t1_j46xkqk wrote
Pretty sick return for most banks. They love jacking up the credit limit for the financially illiterate who keep a revolving balance so they keep paying outrageous finance charges.
Square_Tea4916 OP t1_j9m3hgt wrote
Reply to [OC] Apple’s 2022 Income Statement Visualized with a Sankey Diagram by Square_Tea4916
Source: https://investor.apple.com/investor-relations/default.aspx
Tool: SankeyMATIC