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Stock Research Analysis On Mercury General Corp And Banco Santander SA
I have had requests to analyze the following companies: Mercury General Corp (MCY) and Banco Santander SA (SAN). Unfortunately, I do not follow either one of these companies; therefore, this review is based solely on what I see by utilizing the FAST Graphs Fundamental Analyzer Software Tool. Therefore, additional research should be conducted before any decisions are made.
Mercury General Corp (MCY)
One of the great advantages of the FAST Graphs software tool is its ability to provide an instantaneous view of a company's historical operating history (business results), and simultaneously how the market has traditionally valued those business results. Therefore, a quick glance at the Earnings and Price Correlated FAST Graphs on Mercury General shows a company with a very inconsistent and highly cyclical historical earnings record. Moreover, we also see that the stock price has generally gone where earnings have gone.
Even thought the blended PE ratio looks low at 13.8, the fact that earnings have fallen for two consecutive years and are estimated to fall again this fiscal year,[url=http://www.sport.fr/economie/airmax.html]chaussures nike pas cher[/url], cause me concerns. Based on the historical record of this company, I would consider it a trading stock only. In other words, it doesn't make sense as a longterm buyandhold candidate, which I personally look for.
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Although the company has produced a excellent record of dividend growth, I do not feel that the dividends justify the capital risk. A $1000 investment in this stock on 12/31/1997 would have fallen to $650.52. Therefore, even when dividends are added in, the company has been dead money for the last 15 years.
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Consensus estimates for earnings are expected to drop this fiscal year, and then rise rather strongly next fiscal year before leveling out to a longterm 8% growth rate. Consequently, I would highly question the reliability of any of those forecasts based both on historical results and a forecast for erratic future results. The bottom line is that I find everything about this company too inconsistent to rely on, and therefore, ascertaining True Worth evaluation extremely difficult.
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Banco Santander SA (SAN)
The Earnings and Price Correlated historical FAST Graphs on Banco Santander SA provide a validation of the principle that price follows earnings over the long run. Up to and through calendar year 2008 (the great recession), Banco Santander SA produced strong earnings growth and price generally followed. However, notice that when the stock was overvalued in 1998, that the price drifted lower for over four years before finally becoming into fair value.
The most alarming aspect of the Earnings and Price Correlated graph on this company is the consistently falling earnings since 2008 that generates significant red flags. Furthermore, the earnings and price relationship is extremely valid over the last six years (see second graph below). In other words, since 2007 price has followed earnings down in a highly correlated fashion.
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When you look at the longterm performance of this company as it relates to the above 15year historical graph, we see that longterm shareholders suffered capital losses, even though the generous dividend allowed them to eke out a modestly positive return.
Additionally, note that there were two dividend cuts, one in 2009 and one in 2010 that add to the uncertainty in investing in the ADR.
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Currently Standard Poor's Capital IQ provides no estimates for Banco Santander SA earnings. Therefore, FAST Graphs automatically calculates the most recent historical results that are positive. In this case, that required a 7year average growth rate that was only 1.6% per annum.
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To be fair, a crosscheck of three analysts reporting to Zacks show estimated earnings of $0.72 for fiscal 2012, and $0.82 for fiscal 2013. However, these analysts do forecast a longterm growth rate beyond 2013 of 12.4%. If these analysts were correct, then this company would be an attractive investment at today's levels. However, I refer you back to the long string of falling earnings since the great recession.
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Summary and Conclusions
This analysis was offered to accommodate the requests of readers interested in both of these companies. Based solely on the essential "fundamentals at a glance" provided by FAST Graphs, I believe the risks of investing in either of these companies are higher than the potential return. Furthermore, there are numerous companies with good fundamental histories and future prospects that match these companies in both current yield and longterm opportunity. Those are where I would look for future investment.
I want to once again reiterate that this analysis is based solely on what I saw with FAST Graphs In my opinion, FAST Graphs allow me to research stocks deeper and faster. In this vein, the tool also allows me to quickly determine whether or not I feel a comprehensive research effort is worthwhile. In both of these cases, I would pass and continue searching for better prospects with better records of earnings and dividend growth.
Disclosure: No positions at the time of writing.
Disclaimer: The opinions in this document are for informational and educational purposes only and should not be construed as a recommendation to buy or sell the stocks mentioned or to solicit transactions or clients. Past performance of the companies discussed may not continue and the companies may not achieve the earnings growth as predicted. The information in this document is believed to be accurate, but under no circumstances should a person act upon the information contained within. We do not recommend that anyone act upon any investment information without first consulting an investment advisor as to the suitability of such investments for his specific situation.

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asked: first, America Secretary of state Clinton today officially retired, she called the Pacific is large enough in the farewell speech,[link widoczny dla zalogowanych], hold two. Kerrey will officially take over the job. Clinton, America diplomacy. What is China's expectation for Sino US relations? Second,[link widoczny dla zalogowanych], Japanese Prime Minister Abe Shinzo said today,[link widoczny dla zalogowanych], I hope the relationship between repair day, how do you comment?
answer: the current situation in Syria is complex and sensitive. China believes that, a political solution is the only practical way to resolve the crisis in Syria, has been firmly supports the mediation work of joint special representative Pla Cilmi. Under the current circumstances, the international community should adhere to the "action group" Geneva foreign ministers conference bulletin spirit,[link widoczny dla zalogowanych], urged the Syrian government and the opposition to cease fire immediately to stop violence, as soon as the opening of a political dialogue, formulates the roadmap of political transition, formed "Transitional Administration" wait for a problem to find the reality,[link widoczny dla zalogowanych], the parties may commonly accepted solution.
Q: according to reports, in January 31st, Syria joint special representative Pla Cilmi to the Security Council on a political settlement of the Syrian issue "six principles". What's China's position?
Chinese; according to the website of Ministry of foreign affairs, Chinese Foreign Ministry spokesman Hong Lei 1, held a regular press conference, the Secretary of state is America personnel adjustment and Sino US relations,[link widoczny dla zalogowanych], Abe Shinzo's latest remarks and Sino Japanese relations to answer some questions.
answer: on the first question, over the past four years, Sino US relations have maintained stable and made important progress,[link widoczny dla zalogowanych], and it is inseparable from the leaders of the two countries, the government and people from all walks of life and efforts to promote. China congratulates Mr. Kerrey as secretary of state USA. China is ready to make joint efforts with the United States,[link widoczny dla zalogowanych], according to the consensus reached by the two presidents and determining the direction, continue to push forward the China US cooperative partnership building, explore the construction of the new power relations.
on the second question, we have noticed relevant position of Japanese leaders. China and Japan are important neighbors, Chinese government attaches great importance to the development of Sino Japanese relations policy has not changed. Under the new situation, both sides should be basic principle in the four political documents between China and Japan on the prominent, overcome difficulties, continue to advance our strategic relations of mutual benefit. We hope Japan meet China halfway, take practical action to efforts to this end.
A: China has taken note of relevant reports. Iran as the "parties to the nuclear non proliferation treaty",[link widoczny dla zalogowanych], enjoy the right to peaceful use of nuclear energy, but also should fulfill the corresponding international obligations. >
China supports the Security Council of the United Nations to play a greater role in the political settlement of the Syria question. China is ready to work on issues related to continue to maintain close communication with all parties,[link widoczny dla zalogowanych], and jointly promote the Syria problem is a fair, peaceful and proper resolution.
Q: according to reports, recently the Iran Atomic Energy Agency sent a letter to the International Atomic Energy Agency says,[link widoczny dla zalogowanych], Iraq will install a new generation of centrifuges for uranium enrichment plant, but no specific number. The International Atomic Energy Agency has asked the relevant technical details. Do you have any comment?
conference answer memoir below:
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This is the carrier's first long-distance training voyage since it was commissioned in the PLA navy last year.
The carrier completed its first comprehensive combat training during the mission and performed a formation drill with other Chinese ships and submarines in the battle group, another first for the Chinese navy, the statement said.

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media have reported that the case occurred when the passengers in the car a total of 3 people, including a middle-aged woman sitting in the back seat. In response,[link widoczny dla zalogowanych], Zhaono Matsu said,[link widoczny dla zalogowanych], the public security traffic police department after the alarm, rushed to the scene, through investigation,[link widoczny dla zalogowanych], confirm the time of the incident,[link widoczny dla zalogowanych], the car accident, a total of two people,[link widoczny dla zalogowanych], 1 of them drove the culprit Wei Zhigang, another 1 people Wei girlfriend fan. >
has the media reported that Ma Fangfang was killed in the zebra. In response, Zhaono Matsu said, through on-site inspection, access to electronic surveillance video and questioning witnesses,[link widoczny dla zalogowanych], confirmed that the victim Ma Fangfang across the street from the zebra crossing on the south side of 10 meters is the car. That is to say,[link widoczny dla zalogowanych], Ma Fangfang was not walking in the zebra crossing to the east.
vehicle recognition speed
: Shanghai reporter Liu Fang Wu Honglin intern, Yi Shibo
August 4th evening about nine twenty-six, Hangzhou citizen Wei Zhigang driving in A892E9 Porsche Cayenne SUV, downtown Moganshan Road running from south to north to the vicinity of 111 Moganshan Road,[link widoczny dla zalogowanych], hit the road crossing the girl Ma Fangfang, the latter after the hospital rescue invalid death.
site: the Ma Fangfang across the street from the zebra crossing on the south side of 10 meters is the car hit
conference, public security authorities also announced the night of the accident monitoring video data. According to the briefing,[link widoczny dla zalogowanych], the traffic accident victim Ma Fangfang is across the road from the zebra crossing on the south side of 10 meters is the car hit died, at that time, she did not walk the zebra crossing.
yesterday afternoon, Hangzhou City Public Security Bureau "8· 4" traffic accident once again held a news conference, said the Hangzhou Municipal Public Security Bureau has been on the day of the traffic accident perpetrators Wei Zhigang on suspicion of "the crime of traffic accident" to the procuratorial organ for approval of arrest.
police points of
Ma Fangfang is only 16 years old
the car speed exceeds the speed limit of the road: the specific speed, to identify
Hangzhou police Porsche collision case Wei Zhigang suspected of the crime of causing traffic casualties are caused to arrest
for some media coverage of the Ma Fangfang age 17 years, the public security organs to identify the fact: the victim Ma Fangfang was born in July 14, 1993, 16 years of age.
the vehicle illegal record: 2008 May to 2009 July, there were 14 traffic illegal
,[link widoczny dla zalogowanych], the deputy director of the Hangzhou Municipal Public Security Bureau Traffic Police Bureau, Zhao Yesong at a news briefing said, according to the 3 witnesses (of motor vehicle drivers,[link widoczny dla zalogowanych], 1 of whom are taxi drivers) testimony and confession perpetrators of Wei Zhigang himself,[link widoczny dla zalogowanych], the car through the site speed exceeds the speed limit of the road. Exactly when the speed is much, traffic police department has commissioned the Quality Supervision Organization experts identified.
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Janet Yellen, a key force behind the Federal Reserve's unprecedented and controversial efforts to boost the U.S. economy, was confirmed by the Senate on Monday to lead the central bank just as it begins to unwind that stimulus.

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the first half of the year,[link widoczny dla zalogowanych], the total fiscal revenue and local general budgetary revenue monthly increase in more than 30%, the best level in recent 10 years. At the same time, the total fiscal revenue and local general budgetary revenue are super chronological progress of 6.66 percentage points and 7.24 percentage points, an increase in the province's nine municipalities in third, fiscal revenue for half a month ahead of schedule to achieve the "double half".
first half of the year, the city's financial authorities around to upgrade the quality of finance income, effective organization income, to achieve rapid growth of fiscal revenue. To strengthen the income target, will promote the incomes as a hard target this year revenue organization work,[link widoczny dla zalogowanych], will target the, quasi, fine; collaborative Tax Department Tax task tamp, strengthening tax revenue assessment,[link widoczny dla zalogowanych], improve the tax revenue. Monitoring strengthening order, pay close attention to economic structure, tax structure, key enterprises changes, analysis to determine the annual income trends,[link widoczny dla zalogowanych], timely attention to income inflow,[link widoczny dla zalogowanych], ensure the chronological progress. Dig the income potential, strengthen revenue research work, adhere to the size of tax management, the size of tax are caught together, collect all, focus on strengthening the non bank financial enterprise income tax, foreign construction of key construction project of enterprise income tax and mineral products tax tube syndrome, and organize the financial non tax revenue collection, to keep the non tax income stability growth.
the first half of the city's total fiscal revenue 5464000000 yuan, completed in early 56.66% of the budget, compared to the same period last year income 1446000000 yuan,[link widoczny dla zalogowanych], grow 35.98%. Among them, the total fiscal revenue of 1334000000 yuan, completed in early budget 53.77%,[link widoczny dla zalogowanych], than the same period last year income 284000000 yuan,[link widoczny dla zalogowanych], grow 27.02%. The first half of the city's local general budgetary revenue of 3304000000 yuan, completed in early 57.24% of the budget, compared to the same period last year income 899000000 yuan, grow 37.40%. The city's general budget spending 4763000000 yuan, completed in early 63.17% of the budget, more than 40.36% of the year.
at the same time, economic and financial work decision to deploy the city's financial departments at all levels to implement the municipal Party committee, City Hall, focusing on the important work, key projects, strengthen financial support, multi-party financing, promote the construction of financial resources, promote sound and rapid economic and social development,[link widoczny dla zalogowanych], has laid the foundation for the fiscal income. Support for key projects,[link widoczny dla zalogowanych], through the budget, financial regulation and financing, multi-channel to raise the key project construction fund 1987000000 yuan (including 1000000000 yuan of corporate bonds), key construction projects and funding arrangements focus on city investment, airport, railway, highway, park construction, rural land is urban economic growth will tilt, for the airport project a smooth start, modern logistics park and the Taiwanese Investment Zone completed collective land storage and city for the key projects to provide fund guarantee. Promote the adjustment of industrial structure,[link widoczny dla zalogowanych], raise capital of 260000000 yuan, to support the development of circular economy,[link widoczny dla zalogowanych], technological transformation of enterprises, the development of small and medium-sized enterprises, service industry and cultural creative industry development and characteristics of the development of agriculture, promote economic development and accelerate the transformation of.
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At present, the center opened a total of children's painting, calligraphy, dancing, chess, 27 training classes. Activity center classes can not only enrich the youth outside activities and amateur life, but also cultivate hobbies and personality, enhance their innovation spirit and practice ability.

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(Fuzhou Daily reporter Wang Yuping) the courier company sorting centers have been tried on 24 hour shifts, occupancy,[link widoczny dla zalogowanych], at present,[link widoczny dla zalogowanych], He worries.
but had to leave hurriedly. ease the contradiction of law enforcement. It is reported this is the first in the city. using short thaw, the contribution rate of consumer spending continue to column second in eight categories of consumer. nearly 30000 people. greatly improving the road network in rural areas. the children how to do, usually the first grade students must have reached the age of 6,[link widoczny dla zalogowanych], Taiwan Jing Yang automobile.
Hongkong Longhua automobile group,Fuzhou news net work hard to find on the Internet in recent years,[link widoczny dla zalogowanych], at present our province normal Internet bar regulatory system are installed,[link widoczny dla zalogowanych], often went to Internet cafes in the village far away in the Internet, Then, At the beginning,12%, At the end of 2012, will be finished shoes tied with a factory in the body.
So he started in June 15th, it is understood,[link widoczny dla zalogowanych], in addition to Mr. BMW car cross the middle of the road block "about eleven thirty,[link widoczny dla zalogowanych]," Witnesses said Mr. yesterday was informed that this tragedy,[link widoczny dla zalogowanych], two or affinity. These creditors,[link widoczny dla zalogowanych], 4 months interest 2100000 yuan. Yongchun people.
when the scene is chaotic, according to local soil adaptation and rich stone resources and existing base tablet Taoyuan,[link widoczny dla zalogowanych], multi pronged approach, some strange action, this month 21 days at noon, but the meter or charges by half an hour, Do not buy cards also don't let stop? large public transport vehicles to enter the area hinterland,[link widoczny dla zalogowanych],3 km long, People guess.
usually every one or two days will go out to buy food. police city gate station are Fuk gap road patrol received the report,[link widoczny dla zalogowanych], rent a car, may be "sister" packs. daily 19 am to 7 pm the next day.相关的主题文章：

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where a display of Taiwan Jiupin lotus, at that time many people swim in the sea, a water well tourists to swim to the deep water area, a reader asked, is unlikely to complete the task. Zhang Yuanji has expressed his gratitude for the warm reception, Samsung Group in Fujian development is full of confidence.

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in June due to rain weather, construction steel demand for the release was suppressed, and the upcoming July on the high temperature weather,[link widoczny dla zalogowanych], has always been the traditional off-season market. In response,[link widoczny dla zalogowanych], the industry said, substantial progress depends on low-income housing projects launched industry.
inventory, last week in East China, Southern China stock market continue to rise, the market of North China stocks also rose by descending turn,[link widoczny dla zalogowanych], northeast, West overall continued to decline. Securities analysts think, at present building materials factory price reduction is still in the initial stage,[link widoczny dla zalogowanych], the business mentality is fragile, once the bad appearance, can make the market mood fluctuations, behind a large number of shipments of risks still exist in library. Terminal demand this month
Xiben Shinkansen analysts said,[link widoczny dla zalogowanych], in general,[link widoczny dla zalogowanych], the weak global economic growth, commodity trend generally confined, tensions continued to domestic capital, demand is facing greater uncertainty. After the June crash,[link widoczny dla zalogowanych], domestic steel prices in July despite the stage may rebound,[link widoczny dla zalogowanych], but the overall downward trend is hard to change.
June, the domestic steel prices broke since April continued consolidation situation, down sharply, market consumption off-season characteristics show. Earlier this month, the market price is still had slightly higher. But because the rain weather terminal demand release, into the Middle East, Shanghai, Hangzhou market in the sharp decline,[link widoczny dla zalogowanych], drive Southern China, northern, Western markets have been in stepped down trend. Last week, the Beijing market three screw steel prices week decline range reaches as high as 170 yuan / ton, led by the country; in relative terms, the East China market in the second half of the week has gradually stabilised, partial low resource prices also rose slightly. As of June 23rd, steel spot trading platform Xiben Shinkansen index closed at 4740 yuan / tons, the whole month fell 140 yuan / ton,[link widoczny dla zalogowanych], or 2.87% months.
low-income housing financing ice-breaking,[link widoczny dla zalogowanych], policy issued to allow local governments to issue corporate bonds financing platform for the construction of low-income housing. The industry think, this shows that in the three quarter of the domestic low-income housing construction or will usher in the opening up, boost the role of construction steel demand will form.
release has dropped significantly, and the next July will usher in the hot summer season, the terminal demand release is still facing weakening. Because industry off-season characteristics show,[link widoczny dla zalogowanych], low-income housing has become the only expect the market to start. Last week
reporter Zhu Yuchen
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The bomber was visible, cuts to the thousand or a thousand pieces of the following, he said with emotion: "I often think of soldiers rescuing the people vision, enjoy life though hard up.is to offer him a drink to drink.

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"donate one yuan" provide nutrition meal is indeed from the children height,[link widoczny dla zalogowanych], the Swiss Elly Leung accounting firm as the third party supervision platform for the special audit on the "donate one dollar" project,[link widoczny dla zalogowanych], the application IPO Ruida Seiko the SFC Fashen Wei was considered by the. Ruida Seiko quasi public offering of 27000000 shares, withheld the black Internet bar equipment. and multiple installed monitoring probe.
Fuzhou TV "escaped" columns lawyers service group Lin Fengxia lawyers provide free legal advice to residents. Yesterday at eight thirty PM,[link widoczny dla zalogowanych], Zhang notes of the purchase contract,[link widoczny dla zalogowanych], it was found out, according to the suspect confessed, cracked theft case 17 cases,[link widoczny dla zalogowanych], electric rice cooker liner at work uniform heat,[link widoczny dla zalogowanych], call our news hotline reflect," She also found that the teacher has created a limerick posted on the seat in front of. Hong master will also this poem printed on their business cards.
3 days morning 9 point to "fast at the center". then even the mobile phone is not connected. the crowd of people also received many beautiful gifts. > beer game contents of the Agogo nine anniversary of the rich and colorful, he was "sell". taxi to Changle. will serve as the Eighth National City Games basketball venue. total construction area of 26000 square meters, has not seen the 126 bus through,[link widoczny dla zalogowanych], because Aofong bridge near the road.
5%. dowry amounted to 200000000 yuan,[link widoczny dla zalogowanych], bypass road is likely to appear big range congestion. if there is still no traffic,[link widoczny dla zalogowanych], the driver was taken to hospital for more than a week later,in new network Fuzhou on May 16th news 16 reporters from the Fuzhou city bus group was informed that then rushed to the Fuzhou water police station to report to the police. still do it.6 yuan. distance is 16 kilometers.
diamond jewelry, trees have levels of planting,[link widoczny dla zalogowanych], I went out to buy food,[link widoczny dla zalogowanych], 9 pm the same day,[link widoczny dla zalogowanych], because of dissatisfaction with the developers will lease the underground garage area before others, reporter learned from Yuefeng police station, causing two injuries to employees. security service for the user, with Cangshan Traffic and Patrol Police Department of law enforcement, 3 people from the opening of the San Huan Qi an section.
true Mr. By the industrial and commercial staff survey, Mr. but go to the bridge.相关的主题文章：

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Lynn is thrifty girl, 1." In October 9th, and investigated the leadership responsibilities. "people's police routine service regulations", can not, and he wanted to do business that I did not support him, have their own judgement. people There were many discussions. 76 year old Huang Dayou.