Umsayino useneengxaki zeNcwadi yetyala

Ngelixa iSiginethi (NYSE:SIG) isezindabeni mva nje malunga nezityholo zokutshintshwa kwedayimani kunye nesimangalo sokuxhatshazwa ngokwesondo kukho ingxaki enzulu kakhulu ngemodeli yeshishini yenkampani esele iphantsi komhlaba. Kubonakala ngathi iSignet iyaqhubeka nokuthembela ekwandiseni intengiso yetyala ukuze iqhube ukukhula kwinqanaba layo elikhulu, iSterling Jewelers. Kwakhona, iinkampani zineemetrics kunye nezinye iimetrics zetyala zibonakala zibonisa ukuwohloka okuqhubekayo kwencwadi yekhredithi yenkampani. Ngamafutshane, kukhangeleka ngathi inkampani iya isanda kwandisa intengo yetyala kubaboleki abayingozi kwiinzame zokugcina intengiso ikhula.Umva kwimali ka-2011 kuphela yi-53% yeentengiso zeSiginethi ezixhomekeke kwinkxaso-mali ebonelelwa yinkampani. Ukukhawulezisa ukuza kuthi ga namhlanje nanjengoko kutsha nje iintengiso zetyala kunyaka-mali wenkampani ziye zafikelela kwi-62% kwiinkampani zeSterling Jewelers Division. ISiginethi endala ye-2011, ngaphambi kokuthengwa kweZales, iphantse ifane ne-Sterling Jewelers division of Signet namhlanje. Ingxaki yabanini-zabelo beSiginethi kukuba ukuthengiswa kwekhredithi kukhula ngokukhawuleza kunokuthengisa ngokubanzi (oku kuyacaca ukuba izinga lokuthatha inxaxheba kwekhredithi ukunyuka). Itshathi engezantsi ibonisa amanani achanekileyo okuthenga ngetyala kunye nokukhula kokuthengisa kwangaphambili. Akukho mfanekiso mkhulu woku emva koko iqamza lezindlu kunye nokuwa okwalandelayo. Ukukhula kwetyala labucala ngendlela yokubambisa kunye nemigca yemali elinganayo yezindlu ngetyala kukhule ngokukhawuleza kunokukhula koqoqosho ngokubanzi. Oku kube nefuthe lokuvuselela uqoqosho ngexeshana elifutshane njengoko izindlu zikhokelele ekukhuleni koqoqosho. Nangona kunjalo, ngaxa lithile ukukhula kwetyala kufuneka kucothe okanye kume. Ekugqibeleni abathengi kufuneka bayibuyise imali abayibolekile. Xa izinga lokukhula kwetyala licotha, ukukhula kuyeka kwaye iqamza liyawa. Into efanayo eyenzekayo kwimarike yezindlu iya kwenzeka kwiSiginethi. Nceda ungaqondi kakuhle, umphumo kuqoqosho awuyi kuba nantoni na. Kodwa kubanini-zabelo beSiginali ukwehla okuthe kratya kwintengiso kunye nexabiso lesitokhwe linokwenzeka evenkileni.Yicinge ngolu hlobo. Ngaliphi na ixesha kukho inani elilinganiselweyo labantu abafuna ukuthenga ubucwebe. Ngokunikezela ngetyala elilula iSiginethi itsalela phambili imfuno. Banyusa intengiso ngoku ngeendleko zokuthengisa kamva. Umthengi usenokungabi nayo imali yokuthenga into ngoku (nje umntu onemali mboleko yezindlu wayechitha imali engaphezu komvuzo wakhe) ngoko ke iSiginethi ibaboleka imali. Kwiinyanga ezingama-36 ezizayo umthengi uxakekile ehlawula imali-mboleko. Njengoko abathengi abaninzi bethenga ubucwebe obungakumbi ngetyala, iSignet ithatha abathengi bexesha elizayo kwaye ibadlulisele ngoku. Ekugqibeleni iSignet iya kufikelela kumda wexabiso labathengi bezacholo ezikhoyo kwaye inkqubo iya kuqhuba umva. Abathengi abanokubakho ngoku baxakeke behlawula iimali-mboleko zangaphambili, bengathengi iimveliso ezintsha.Andiyazi ukuba imarike iyonke iyintoni na intengiso yobucwebe beSaginet enokubakho kwaye xa ukuwa kwentengiso kunokwenzeka kwaye ndiyathandabuza ukuba nabani na ongomnye wenza. Nangona kunjalo, ingxaki yezindlu ngumzekelo obalaseleyo wendlela amatyala abucala asebenza ngayo kwaye sithini isiphumo xa ukukhula kwamatyala abucala kudlula ukukhula kwentengiso (okanye ukukhula koqoqosho kwimeko yengxaki yezindlu). umgangatho wetyala kwipotfoliyo yemali-mboleko. Kule minyaka mibini idlulileyo sinokubona ukuhla okuthe gqolo malunga nengxelo ye-credit metric Signet.Imilinganiselo yayo yokuqokelelwa kwenyanga yenyanga iyehla kwaye amatyala amabi kunye nokuhla kwentlawulo kuyenyuka. Ishishini likaSiginethi lelexesha lonyaka ngoko ke ezinye iimetriki zetyala ziyahluka ngekota ukuya kwikota. Iitshathi ezingezantsi zibonisa imbuyekezo efunyenweyo kunye neentsuku zokuthengisa ezingekahlawulwa kwikota nganye kwi-FY2017 xa kuthelekiswa neFY2016. (Ngenxa yendlela idatha efakwe ngayo kwi-Excel itshati ifundwa ngasekunene ukuya kwesobunxele kunye nexesha "4" elihambelana nekota yokuqala yonyaka, ixesha elithi "3" kwikota yesibini yonyaka njalo njalo). zombini iimetrics ziye zaba mandundu kwixesha ngalinye ukusukela kunyaka-mali wokugqibela weSiginethi.Iya kubonakala ngokusekwe kwi-credit metrics I-Signet ibhengeza kunye nohlalutyo lwethu lokuba i-Signet ibisenza iimali-mboleko ezinobungozi njengoko ixesha lihamba. Ukuba iSiginethi iyaqhubeka nokuthembela ekwandisweni kwetyala ukuqhubela phambili ukukhula kwentengiso kusenokwenzeka ukuba ipotifoliyo yabo yemali mboleko iya kuqhubeka isihla. Ngelixa ingeniso evela kwipotfoliyo (inzala kunye nengeniso yomrhumo kade iye yathomalalisa ilahleko) iye yancuma ukuza kuthi ga ngoku kukho umngcipheko wokwenyani wokuba izinto ziya kujika zingentle kwiminyaka ezayo. Ikwaphakamisa umbuzo obalulekileyo wokuba usempilweni kangakanani na kwishishini eliphantsi kweSiginethi ukuba kufuneka iqhubeke nokwandisa ityala kubaboleki abasoloko benomngcipheko wokugcina ukukhula kwentengiso. Siqhubeka sikholelwa ukuba abatyali-mali kufuneka bahlale kude ne-Signet's stock.Ukubhengezwa: Mna / asinazo izikhundla kuzo naziphi na izitokhwe ezikhankanyiweyo, kwaye akukho zicwangciso zokuqalisa naziphi na izikhundla kwiiyure ze-72 ezizayo. Eli nqaku ndilibhale ngokwam, kwaye livakalisa ezam izimvo. Andifumani mbuyekezo ngayo (ngaphandle kokufuna uAlpha). Andinabudlelwane beshishini kunye nayo nayiphi na inkampani isitokhwe esikhankanywe kweli nqaku.