Net Pacific Financial Holdings (SGX:5QY) Operating Income : S$-1.94 Mil (TTM As of Sep. 2024)

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What is Net Pacific Financial Holdings Operating Income?

Net Pacific Financial Holdings's Operating Income for the three months ended in Sep. 2024 was S$-0.68 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Sep. 2024 was S$-1.94 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. Net Pacific Financial Holdings's Operating Income for the three months ended in Sep. 2024 was S$-0.68 Mil. Net Pacific Financial Holdings's Revenue for the three months ended in Sep. 2024 was S$2.42 Mil. Therefore, Net Pacific Financial Holdings's Operating Margin % for the quarter that ended in Sep. 2024 was -28.16%.

Good Sign:

Net Pacific Financial Holdings Ltd operating margin is expanding. Margin expansion is usually a good sign.

Net Pacific Financial Holdings's 5-Year average Growth Rate for Operating Margin % was 25.80% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Net Pacific Financial Holdings's annualized ROC % for the quarter that ended in Sep. 2024 was -18.44%. Net Pacific Financial Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2024 was -16.03%.

Net Pacific Financial Holdings Operating Income Historical Data

The historical data trend for Net Pacific Financial Holdings's Operating Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Net Pacific Financial Holdings Operating Income Chart

Net Pacific Financial Holdings Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Operating Income

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-2.06

-0.35

-0.32

-0.26

-0.70

Net Pacific Financial Holdings Quarterly Data
	Jun19	Dec19	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Operating Income	Get a 7-Day Free Trial															-0.18	-0.30	-0.46	-0.49	-0.68

Net Pacific Financial Holdings Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Sep. 2024 adds up the quarterly data reported by the company within the most recent 12 months, which was S$-1.94 Mil.

Net Pacific Financial Holdings (SGX:5QY) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Net Pacific Financial Holdings's annualized ROC % for the quarter that ended in Sep. 2024 is calculated as:

	ROC % (Q: Sep. 2024 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Jun. 2024 )	+	Invested Capital (Q: Sep. 2024 ))	/ count )
=	-2.728 * ( 1 - -9.66% )	/	( (15.637	+	16.803)	/ 2 )
=	-2.9915248	/	16.22
=	-18.44 %

where

	Invested Capital		(Q: Jun. 2024 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	26.317	-	2.471	-	( 8.209	-	max(0, 7.363	-	20.662	+	8.209	))
=	15.637

	Invested Capital		(Q: Sep. 2024 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	23.052	-	1.637	-	( 4.612	-	max(0, 5.193	-	17.348	+	4.612	))
=	16.803

Note: The Operating Income data used here is four times the quarterly (Sep. 2024) data.

2. Joel Greenblatt's definition of Return on Capital:

Net Pacific Financial Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2024 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Sep. 2024 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Jun. 2024		Q: Sep. 2024
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	-1.468	/	( ( (5.033 + max(3.479, 0))	+	(4.901 + max(4.899, 0)) )	/	2 )
=	-1.468	/	( ( 8.512	+	9.8 )	/	2 )
=	-1.468	/	9.156
=	-16.03 %

where Working Capital is:

	Working Capital		(Q: Jun. 2024 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(6.111	+	1.565	+	0)	-	(2.471	+	0	+	1.726)
=	3.479

	Working Capital		(Q: Sep. 2024 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(6.268	+	1.878	+	0)	-	(1.637	+	0	+	1.61)
=	4.899

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Sep. 2024) EBIT data.

3. Operating Income is also linked to Operating Margin %:

Net Pacific Financial Holdings's Operating Margin % for the quarter that ended in Sep. 2024 is calculated as:

Operating Margin %	=	Operating Income (Q: Sep. 2024 )	/	Revenue (Q: Sep. 2024 )
	=	-0.682	/	2.422
	=	-28.16 %

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

Net Pacific Financial Holdings Operating Income Related Terms

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Net Pacific Financial Holdings Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Net Pacific Financial Holdings Ltd (SGX:5QY) » Definitions » Operating Income

Comparable Companies

Traded in Other Exchanges

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Address

35 Selegie Road, No.10-25, Singapore, SGP, 188307

Website

https://www.netpac.com.sg

Net Pacific Financial Holdings Ltd is engaged in providing financing services. It provides financing services to small and medium-sized companies in the People's Republic of China, Hong Kong Special Administrative Region, Australia, and beyond. The operating segments of the group are the Financing business which generates the majority of the revenue, Golf Business segment and the Investment segment. The group provides financial services in the financing business segment which includes the provision of working capital financing, asset-backed loans, mezzanine loans, and investments in growth-oriented companies.

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