[REVENUE GROUP BHD：EDC终端租赁收入的增加，电子交易处理收入的增加以及新收购的子公司Anypay Sdn Bhd和Buymall Services Sdn Bhd的三（3）个月的收入贡献]
1Q20 vs 1Q19:
截至2019年9月30日的本财政季度，集团录得收入1,666万令吉（2018年9月30日：1,484万令吉）。银丰的收入从截至2018年9月30日的财政季的1,484万令吉增加182万令吉，至截至2019年9月30日的财政季的1,666万令吉。截至2019年9月30日的本财政季录得的较高收入主要归因于EDC终端租赁收入的增加，电子交易处理收入的增加以及新收购的子公司Anypay Sdn Bhd和Buymall Services Sdn Bhd的三（3）个月的收入贡献。
银丰在当前财政季度录得389万令吉的PBT（2018年9月30日：321万令吉）。截至2019年9月30日的当前财政季度记录的PBT较高，主要是由于银丰业务活动的收入增加。
1Q20 vs 4Q19：
截至2019年9月30日止的当前财政季度，银丰录得收入提高了124万令吉，这主要是由于EDC终端租金收入和电子交易处理收入增加以及来自他们新收购的子公司3个月的收入贡献。
截至2019年9月30日的当前财政季度，银丰的PBT为389万令吉，高于截至2019年6月30日的上一个财政季度的138万令吉，这主要是由于这季度的收入增加。
在本财政季度录得较高的PBT，主要是由于缺乏上一个财政季度的收购附属公司产生的一次性费用36万令吉，应收账款减值损失和坏账冲销52万令吉，银丰承担的项目咨询服务所产生的费用30万令吉，以及审计费拨备为10万令吉。
前景：
集团制定了一系列未来计划，如下：
（a）扩大其电子支付网络：
他们的集团打算继续扩大其在马来西亚的电子支付网络，并将继续购买和部署其他具有接受支付卡和快速响应（“ QR”）支付能力的新数字支付终端。银丰目前正与合作伙伴银行合作，开发，测试和认证新型数字支付终端，并将在各个阶段推出并部署到市场。
（b）区域扩大：
他们的业务主要集中在马来西亚。作为未来业务扩展的一部分，该集团打算扩展到东盟市场，他们已经确定了两（2）个潜在的区域扩展国家，即缅甸和柬埔寨。在这方面，他们将与这些国家中的当地金融机构或当地行业参与者和/或在这些国家中已经存在的马来西亚金融机构合作，以为各种卡计划提供电子支付处理服务。
（c）增强revPAY并扩大IT团队：
由于IT构成了骨干网，并且是其业务运营不可或缺的一部分，因此对于他们的集团而言，不断增强，升级和维护revPAY平台及其相关软件和系统的可伸缩性以支持其业务扩展和技术进步至关重要。银丰一直在寻找IT人才以扩充其IT人员。
（d）增值解决方案和服务：
对Anypay Sdn Bhd和Buymall Services Sdn Bhd的收购将使集团能够为其客户提供附加的增值解决方案和服务，从而补充集团的现有业务。
（e）研究与开发（“ R＆D”）：
他们的小组正在研究和开发更多的电子解决方案，以与其revPAY集成。他们的解决方案将使他们的客户能够数字化忠诚度计划，奖励兑换，优惠券和礼品卡，账单支付，通过其新的数字支付终端提取商品。
根据马来西亚国家银行（“ BNM”）在2015年实施的“支付卡改革框架”，其中采取了多种措施以提高透明度和价格可承受的商户价格，并结合了更广泛的EDC终端网络，自此以后，支付卡的使用量增加了，推动了整体电子支付使用量的增长。
马来西亚的电子支付行业继续得到政府的大力支持，以促进电子支付服务的使用。国行正在研究第三次支付改革浪潮，重点是移动支付和QR支付。这导致移动支付交易量从2017年的不到200万笔交易增加了20倍，到2018年达到了3400万笔交易。
在2019年10月11日宣布的最新2020预算中，政府致力于数字化转型和建设数字马来西亚人。政府将向年龄在18岁及以上，年收入低于100,000令吉的合格马来西亚人提供一次RM30的数字刺激，以增加马来西亚人，参与的商人和中小型企业使用电子钱包的人数。
金融机构和电子货币发行商提供的不断增强的支付安全功能和创新的支付服务也将有助于改变消费者的支付方式。鉴于未来的计划以及国行为促进更广泛的接受和使用电子支付而采取的各种举措，董事会认为，除非有任何不可预见的情况，否则该集团2020年6月30日的前景将仍然有利。
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James Ng Stock Pick Performance:
Since Recommended Return:
a) FRONTKN (FRONTKEN CORP BHD), recommended on 12 Aug 18, initial price was RM0.715, rose to RM2.09 (dividend RM0.025) in 1 year 3 months 21 days, total return is 195.8%
b) PRLEXUS (PROLEXUS BHD), recommended on 25 Aug 19, initial price was RM0.455, rose to RM1.00 in 3 months 8 days, total return is 119.8%
c) JAKS (JAKS RESOURCES BHD), recommended on 20 Jan 19, initial price was RM0.575, rose to RM1.25 in 10 months 13 days, total return is 117.4%
d) KKB (KKB ENGINEERING BHD), recommended on 1 Jul 18, initial price was RM0.795, rose to RM1.44 (dividend RM0.04) in 1 year 5 months 2 days, total return is 86.2%
e) PWROOT (POWER ROOT BHD), recommended on 7 Oct 18, initial price was RM1.59, rose to RM2.40 (dividends RM0.083) in 1 Year 1 month 26 days, total return is 56.2%
f) MI (MI TECHNOVATION BERHAD), recommended on 2 Jun 19, initial price was RM1.67, rose to RM2.48 (dividend RM0.01) in 6 months 1 day, total return is 49.1%
g) GBGAQRS (GABUNGAN AQRS BHD), recommended on 16 Dec 18, initial price was RM0.80, rose to RM1.15 in 11 months 17 days, total return is 43.8%
h) ELKDESA (ELK-DESA RESOURCES BHD), recommended on 18 Nov 18, initial price was RM1.27, rose to RM1.68 (dividend RM0.07) in 1 Year 15 days, total return is 37.8%
i) KGB (KELINGTON GROUP BHD), recommended on 23 Dec 18, initial price was RM0.965, rose to RM1.31 (dividend RM0.018) in 11 months 10 days, total return is 37.6%
j) TSH (TSH RESOURCES BHD), recommended on 30 Jun 19, initial price was RM0.90, rose to RM1.20 in 5 months 3 days, total return is 33.3%
k) PESTECH (PESTECH INTERNATIONAL BHD), recommended on 2 Jun 19, initial price was RM1.04, rose to RM1.27 in 6 months 1 day, total return is 22.1%
l) BAUTO (BERMAZ AUTO BHD), recommended on 14 Oct 18, initial price was RM1.89, rose to RM2.06 (dividend RM0.22) in 1 Year 1 month 19 days, total return is 20.6%
m) SWKPLNT (SARAWAK PLANTATION BHD), recommended on 24 Mar 19, initial price was RM1.55, rose to RM1.70 (dividend RM0.05) in 8 months 9 days, total return is 12.9%
n) SERBADK (SERBA DINAMIK HOLDINGS BHD), recommended on 29 Jul 18, initial price was RM3.96, rose to RM4.22 (adjusted)(dividends RM0.111) in 1 Year 4 months 4 days, total return is 9.4%
我希望将我的策略分享给读者，希望他们在阅读后能够表现出色。我正在使用基本面分析（Fundamental Analysis）：
预计公司每年的增长率必须> 14％
我想说服读者学习基本面分析FA以便能从股市赚钱。
我为想从马来西亚股票市场赚钱的读者提供STOCK PICK服务。想订阅我的邮件以从股票市场获取良好回报的人，可以通过jamesngshare@gmail.com 或我的FB页面与我联系。
1)【看懂年报和季报】课程:
11a.m. – 7p.m.，免费茶和咖啡
12月22日星期日：AG Hotel Penang, George Town 2份点心
12月29日星期日：Hotel Sri Petaling, KL 3份点心
2020年2月22日星期六：Silka Johor Bahru Hotel, Johor Bahru 7份点心
2)【股票-实际操作班】课程：
10a.m. – 9p.m.，免费午餐和晚餐
12月21日星期六：AG Hotel Penang, George Town
12月28日星期六：Hotel Sri Petaling, KL
2020年2月23日星期日：Silka Johor Bahru Hotel, Johor Bahru
3) 【公司业绩分享会】:
2p.m. – 7p.m.，免费茶和咖啡
12月20日星期五：AG Hotel Penang, George Town 2份点心
12月27日星期五：Hotel Sri Petaling, KL 3份点心
2020年2月21日星期五：Silka Johor Bahru Hotel, Johor Bahru 7份点心
有兴趣的朋友，可以电邮或PM FB page联络我
email：jamesngshare@gmail.com
电话/Whatsapp : 011 - 15852043
Facebook Group: https://www.facebook.com/groups/jamesinvesting
这个是我的TELEGRAM Group链接，大家可以在这个Group获知何时做Fb live: https://t.me/joinchat/LhwHNhdU1fDgxrSafTrTiw
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这个分享纯属讨论以及领域的分析，买或卖自负。请Like和Share这个post。最终决定永远是你的，谢谢。
James Ng
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[REVENUE GROUP BHD: higher income from the rental of EDC terminals, increase in income from electronic transaction processing, as well the three (3) months revenue contribution from the newly acquired subsidiary companies namely Anypay Sdn Bhd and Buymall Services Sdn Bhd]
1Q20 vs 1Q19:
The Group recorded revenue of RM16.66 million for the current financial quarter ended 30 September 2019 (30 September 2018: RM14.84 million). The Group’s revenue increased by RM1.82 million from RM14.84 million for the financial quarter ended 30 September 2018 to RM16.66 million for the financial quarter ended 30 September 2019. The higher revenue recorded for the current financial quarter ended 30 September 2019 was mainly attributed to the higher income from the rental of EDC terminals, increase in income from electronic transaction processing, as well the three (3) months revenue contribution from the newly acquired subsidiary companies namely Anypay Sdn Bhd and Buymall Services Sdn Bhd.
The Group registered a PBT of RM3.89 million in the current financial quarter under review (30 September 2018: RM3.21 million). The higher PBT recorded for the current financial quarter ended 30 September 2019 was mainly driven by the increase in the revenue from the Group’s business activities.
1Q20 vs 4Q19:
For the current financial quarter ended 30 September 2019, the Group recorded a higher revenue of RM1.24 million, mainly attributed to increase in the income from rental of EDC terminals and income from electronic transaction processing, as well as the 3 months revenue contribution from their newly acquired subsidiary companies.
For the current financial quarter ended 30 September 2019, the Group recorded a higher PBT of RM3.89 million as compared to RM1.38 million in the immediate preceding financial quarter ended 30 June 2019 mainly attributed to increase in the revenue during the financial quarter under review.
The higher PBT registered during the current financial quarter was mainly due to the absence of oneoff expenses incurred on the acquisition of subsidiaries amounting to RM0.36 million, the impairment losses on receivables and write off of bad debts amounting to RM0.52 million, consultancy fee incurred for projects undertaken by the Group amounting to RM0.30 million, as well as the provision for audit fee amounting to RM0.10 million in the preceding financial quarter.
Prospects:
The Group has put in place a series of future plans as follows:
(a) Expansion of their electronic payment network:
Their Group intend to continue to expand their electronic payment network in Malaysia and will continue to purchase and deploy additional new digital payment terminals with the capability to accept payment cards and Quick Response (“QR”) Payment. The Group is currently working with their partner banks on the development, testing and certification on the new digital payment terminals, which will be rolled out and deployed to the market in various stages.
(b) Regional expansion:
Their businesses are predominantly concentrated in Malaysia. As part of their future business expansion, the Group intend to expand to ASEAN market and they have identified two (2) potential countries for their regional expansion, namely Myanmar and Cambodia. In this respect, they will partner with local financial institutions or local industry player in those countries and/or Malaysian financial institutions that already have presence in these countries to provide electronic payment processing services for various Card Schemes.
(c) Enhancement of revPAY and expansion of IT team:
As IT forms the backbone and is an integral part of their business operations, it is crucial for their Group to continuously enhance, upgrade and maintain the scalability of their revPAY platform and its related software and systems to support their business expansion and technology advancement. The Group is continuously on the lookout for IT talent to expand their IT personnel.
(d) Value-added solutions and services:
The acquisition of Anypay Sdn Bhd and Buymall Services Sdn Bhd will enable the Group to provide additional value-added solutions and services to their customers which will complement the Group’s existing business.
(e) Research & Development (“R&D”):
Their Group is researching and developing more electronic solutions to be integrated with their revPAY. Their solutions will enable their customers to digitalise loyalty programme, rewards redemption, discount coupons and gift cards, bill payment, goods pick up via their new digital payment terminals.
Under the Payment Card Reform Framework (“PCRF”) implemented by Bank Negara Malaysia (“BNM”) in 2015, whereby multiple measures have been introduced to enhance transparency and affordable pricing to the merchants and coupled with the wider network of EDC terminals which has enabled greater usage of payment cards, have contributed to an upward trajectory for overall electronic payment usage since then.
The electronic payment industry in Malaysia continues to receive strong support from the Government to promote the usage of electronic payment services. BNM is looking at the third (3rd) wave of payment reforms focusing on the mobile payments and QR payments. This has resulted in the mobile payment transaction volume increased by twenty-fold from below two million transactions in 2017 to 34 million transactions in 2018.
In the recent Budget 2020 announced on 11 October 2019, the Government is committed towards digital transformation and building Digital Malaysians. The Government will offer a one-time RM30 digital stimulus to qualified Malaysians aged 18 and above with annual income less than RM100,000 to increase the number of Malaysians, participating merchants and SMEs to use e-wallets.
The continuously enhanced payment security features and innovative payment services provided by financial institutions and e-money issuers will also help to shift the behaviours of consumers’ payment method. Premised on the future plans and with the various initiatives undertaken by BNM to promote wider acceptance and the usage of electronic payments, the Board of Directors is of the opinion that, barring any unforeseen circumstances, the prospects of their Group for 30 June 2020 will remain favourable.
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I wish to share my strategy to readers, hope that they can perform well after reading this. I am using Fundamental Analysis:
the forecasted growth of a company must > 14% per year
I wish to convince readers to learn FA in order to make money from stock market.
I am providing STOCK PICK SERVICE for readers who want to make money from Malaysian stock market. Those who want to subscribe to my mailing list to achieve a good return from stock market, you can contact me at jamesngshare@gmail.com or PM me in my FB page.
This sharing is purely a discussion and analysis of the sector, buying or selling at your own risk. Please Like and Share this post. Final decision is always yours, thank you.
James Ng
https://klse.i3investor.com/blogs/general/243449.jsp
