Company Capstone Project

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FINA 3310 | Project | Dr. Alexandra K. Theodossiou | | Yixin Zhang | 4/4/2012 | 1st Assignment Report Summary In the value line report of the ZALE CORP, an informative abstract about the company was given in one paragraph. It tells the exact year the company was founded and talked about the bankruptcy and reconstruction that the company has been through. Below this abstract, capital structure are listed so that we know the amount of total debt, long-term debt, as well as common stock. Followed by the capital structure, current assets and current liabilities are given from the year 2009 to 2011 with annual rates of change for the past 10years. We can see a negative book value during that period. It also gives the quarterly sales…show more content…
Items such as sales, gross margin, operating margin are given in a diagram so that we can see the net profit and the return on total capital and stockholder’s equity. Since it tells the cash flow and earnings per share, we can analyze it think about if we would want to invest for the company. What’s more, another piece of business overview of the corporation is given under the graph which basically tell the readers how large the chain of the company is and what kind of division it has. Next, a brief analysis about the company is given to help us better understand what’s going on in this corporation. With a good structure that the analysis was divided by four sub-titles, states as firstly “Zale is off to a good start in fiscal 2012” ,secondly “the company continues to improve efficiency” , thirdly “Meanwhile, finances are still an area of concern” and at last “ there shares are ranked 4 four year-ahead price performance”. These four sub-titles briefly tell us the beginning process, improvement, the problem it faces and the solution they give for the problem. The other good thing about this report is that under the analysis of the corporation, it gives a overall ranking of the company’s financial strength with C+, stock’s price stability with 5, price growth persistence with 15 and earnings predictability with 20. It is easier to understand, so it can help the…show more content…
receivable turnover | sales/AR | NA | NA | NA | 10. days sales in receivables | 365/receivable turnover | NA | NA | NA | 11.capital intensity | TA/Sales | 0.682844178 | 0.717922 | 0.691657 | 12.PM | NI/Sales | -0.064448746 | -0.05795 | -0.10648 | 13.TAT | sales/TA | 1.46446295 | 1.392909 | 1.445804 | 14. ROA | NI/TA | -0.094382801 | -0.08073 | -0.15395 | 15. ROE | NI/OE | -0.527686807 | -0.30411 | -0.50697 | 2nd Assignment Loan Amortization Problem Note: First name | Middle name | Last name | Number of letters in full name | Loan amount | Interest rate | Yixin | | Zhang | 10 | 150000 | 12% | A: CURRENT MONTHLY PAYMENT N=30*12=360 PV=150000 I/Y=12% /12=1% FV=0 PMT=1542.918895 B: TOTAL INTEREST PAY 1542.918895x30x12-150000=405450.80 C: Month | Beginning Balance | Payment | Interest Payment | Principal Payment | Ending Balance | 1 | 150000.000000 | 1542.918895 | 1500.000000 | 42.918895 | 149957.081105 | 2 | 149957.081105 | 1542.918895 | 1499.570811 | 43.348084 | 149913.733021 | 3 | 149913.733021 | 1542.918895 | 1499.137330 | 43.781565 | 149869.951456 | 4 | 149869.951456 | 1542.918895 | 1498.699515 | 44.219380 | 149825.732076 | 5 | 149825.732076 | 1542.918895 | 1498.257321 | 44.661574 | 149781.070502

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