Applyflow Ltd
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Quick analysis of Applyflow (30 sec.)

1. Valuation of Applyflow (5 min.)

Live pricePrice per share (EOD)

A$0.01

Book Value per Share

A$0.03

2. Growth of Applyflow (5 min.)

Is Applyflow growing?

	Current year	Previous year	Grow	Grow %
How rich?	$3.3m	$2.4m	$1.3m	35.5%

How much money is Applyflow making?

	Current year	Previous year	Grow	Grow %
Making money	-$705.4k	-$671.7k	-$33.7k	?
Net Profit Margin	-70.2%	-59.2%	-	-

How much money comes from the company's main activities?

Quarterly Yearly

3. Financial Health of Applyflow (5 min.)

4. Comparing to competitors in the Internet Content & Information industry (5 min.)

Industry Rankings (Internet Content & Information)

Fundamentals of Applyflow

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry
The company is operating very inefficient.

Liquidity Details

	Compared to previous year	Compared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.

Solvency Details

	Compared to previous year	Compared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

1.1. Profitability of Applyflow Ltd.

1.1. Profitability

1.1.1. Net Profit Margin

Measures how much net profit Applyflow earns for each $1 of revenue.

Above 10% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
A Net Profit Margin of -140.4% means that $-1.40 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Applyflow Ltd:

The MRQ is -140.4%. The company is making a huge loss. -2
The TTM is -70.2%. The company is making a huge loss. -2

Trends

Current period		Compared to		+/-
MRQ	-140.4%	TTM	-70.2%	-70.2%
TTM	-70.2%	YOY	-59.2%	-11.0%
TTM	-70.2%	5Y	-1,355.3%	+1,285.1%
5Y	-1,355.3%	10Y	-1,355.3%	0.0%

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	-140.4%	-0.8%	-139.6%
TTM	-70.2%	-0.8%	-69.4%
YOY	-59.2%	-0.3%	-58.9%
5Y	-1,355.3%	-3.6%	-1,351.7%
10Y	-1,355.3%	-3.8%	-1,351.5%

Measures how much net profit Applyflow earns for each $1 of revenue.

Revenue is the amount of profit Applyflow generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you $3. The company does not earn $3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is $1.5.

The $3 you pay for a cup of coffee is called revenue.
The $1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit Applyflow earns for each $1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
Can be used to compare companies within the Internet Content & Information industry.

You typically want a high profit margin. This means that for each $1 in sales, Applyflow makes more profit. This shows the investor how efficiently Applyflow is operating in general and compared to other companies in the same industry. Applyflow operates in the Internet Content & Information industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of Applyflow. If profit margins remain low (compared to the Internet Content & Information industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of Applyflow is -1.40. This means that Applyflow earned $-1.40 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Internet Content & Information industry is -0.8%.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare Applyflow with other companies in the same industry (Internet Content & Information).
Net profit margin should rise over the years.
Can be influenced when Applyflow sells assets (profit will increase while costs remain the same).
It won’t show what part of Applyflow is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of Applyflow

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ Applyflow = -1,636
Total revenue MRQ Applyflow = 1,019
$-1,636 / $1,019 = -1.40 or -140.4%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient Applyflow is using its assets to generate profit.

Above 5% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
-22.1% Return on Assets means that Applyflow generated $-0.22 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Applyflow Ltd:

The MRQ is -22.1%. Using its assets, the company is very inefficient in making profit. -2
The TTM is -15.7%. Using its assets, the company is very inefficient in making profit. -2

Trends

Current period		Compared to		+/-
MRQ	-22.1%	TTM	-15.7%	-6.3%
TTM	-15.7%	YOY	-21.9%	+6.1%
TTM	-15.7%	5Y	-38.2%	+22.5%
5Y	-38.2%	10Y	-38.2%	0.0%

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	-22.1%	-0.3%	-21.8%
TTM	-15.7%	-0.8%	-14.9%
YOY	-21.9%	-0.6%	-21.3%
5Y	-38.2%	-0.9%	-37.3%
10Y	-38.2%	-1.2%	-37.0%

Shows how efficient Applyflow is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better.
Above 5% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on assets in their analysis

Shows the investor how effectively Applyflow is using its resources to generate profit. If the return on assets (-22.1%) from Applyflow are higher than the Internet Content & Information mean (-0.3%) that means Applyflow is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of Applyflow is -22.1%. This means the company generated $-0.22 for each $1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Internet Content & Information industry is -0.3%.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example Applyflow

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from Applyflow = -1,636
Total assets MRQ (balance sheet) from Applyflow = 6,409
-1,636 / 6,409 = -0.22 or -22.1%

ROA is an important ratio as it will tell you how effectively Applyflow is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient Applyflow is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
-28.2% Return on Equity means Applyflow generated $-0.28 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Applyflow Ltd:

The MRQ is -28.2%. Using its investors money, the company is very inefficient in making profit. -2
The TTM is -19.7%. Using its investors money, the company is very inefficient in making profit. -2

Trends

Current period		Compared to		+/-
MRQ	-28.2%	TTM	-19.7%	-8.5%
TTM	-19.7%	YOY	-31.7%	+12.1%
TTM	-19.7%	5Y	-47.7%	+28.0%
5Y	-47.7%	10Y	-47.7%	0.0%

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	-28.2%	-0.2%	-28.0%
TTM	-19.7%	-0.5%	-19.2%
YOY	-31.7%	0.9%	-32.6%
5Y	-47.7%	-0.6%	-47.1%
10Y	-47.7%	-1.2%	-46.5%

Shows how efficient Applyflow is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Internet Content & Information industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of Applyflow is -28.2%. This means Applyflow generated $-0.28 for each $1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Internet Content & Information industry is -0.2%.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if Applyflow existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of Applyflow

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) Applyflow = -1,636
Shareholders equity (balance sheet) MRQ Applyflow = 5,015
-1,636 / 5,015 = -0.28 or -28.2%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

1.2. Operating Efficiency of Applyflow Ltd.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient Applyflow is operating .

Measures how much profit Applyflow makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
Above 15% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
An Operating Margin of -36.9% means the company generated $-0.37 for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Applyflow Ltd:

The MRQ is -36.9%. The company is operating very inefficient. -2
The TTM is -18.5%. The company is operating very inefficient. -2

Trends

Current period		Compared to		+/-
MRQ	-36.9%	TTM	-18.5%	-18.5%
TTM	-18.5%	YOY	-2.1%	-16.4%
TTM	-18.5%	5Y	-21.7%	+3.2%
5Y	-21.7%	10Y	-21.7%	0.0%

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	-36.9%	-1.5%	-35.4%
TTM	-18.5%	0.2%	-18.7%
YOY	-2.1%	-1.1%	-1.0%
5Y	-21.7%	-2.2%	-19.5%
10Y	-21.7%	-2.2%	-19.5%

Measures how efficient Applyflow is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit Applyflow is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of Applyflow is -36.9%. This means that Applyflow earned $-0.37 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Internet Content & Information industry is -1.5%.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of Applyflow

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ Applyflow = -1,636
Total revenue MRQ Applyflow = 1,019
$-1,636 / $1,019 = -0.37 or -36.9%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient Applyflow is keeping operating costs low.

Below 1 is considered healthy (always compare to Internet Content & Information industry mean).
An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Applyflow Ltd:

The MRQ is 0.000. The data is not here.

Trends

Current period		Compared to		+/-
MRQ	-	TTM	-	0.000
TTM	-	YOY	-	0.000
TTM	-	5Y	0.115	-0.115
5Y	0.115	10Y	0.115	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	-	1.168	-1.168
TTM	-	1.172	-1.172
YOY	-	1.153	-1.153
5Y	0.115	1.177	-1.062
10Y	0.115	1.124	-1.009

Measures how efficient Applyflow is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of Applyflow is 0.0%. This means that Applyflow earned $0.00 for each $1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Internet Content & Information industry is 1.17.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example Applyflow

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
( +) \ 1,019 = 0.00

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

1.3. Liquidity of Applyflow Ltd.

1.3. Liquidity

1.3.1. Current Ratio

Measures if Applyflow is able to pay off Short-term Debt.

Above 1.5 is considered healthy (always compare to Internet Content & Information industry mean).
A Current Ratio of 4.42 means the company has $4.42 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Applyflow Ltd:

The MRQ is 4.417. The company is very able to pay all its short-term debts. +2
The TTM is 4.417. The company is very able to pay all its short-term debts. +2

Trends

Current period		Compared to		+/-
MRQ	4.417	TTM	4.417	0.000
TTM	4.417	YOY	4.265	+0.152
TTM	4.417	5Y	8.087	-3.670
5Y	8.087	10Y	8.087	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	4.417	1.882	+2.535
TTM	4.417	1.900	+2.517
YOY	4.265	2.079	+2.186
5Y	8.087	2.271	+5.816
10Y	8.087	2.268	+5.819

Measures if Applyflow is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Internet Content & Information industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for Applyflow if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of Applyflow is 4.42. This means Applyflow has $4.42 in assets for each $1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Internet Content & Information industry is 1.88.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example Applyflow

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
5,849 \ 1,324) = 4.42

The current ratio measures if Applyflow is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if Applyflow is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then Applyflow does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate Applyflow is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

Measures if Applyflow is able to pay off Short-term Debt but only using the most liquid assets.

Above 1 is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
A Quick Ratio of 4.27 means the company can pay off $4.27 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Applyflow Ltd:

The MRQ is 4.270. The company is very able to pay all its short-term debts with the most liquid assets. +2
The TTM is 2.156. The company is very able to pay all its short-term debts with the most liquid assets. +2

Trends

Current period		Compared to		+/-
MRQ	4.270	TTM	2.156	+2.114
TTM	2.156	YOY	2.066	+0.090
TTM	2.156	5Y	4.824	-2.668
5Y	4.824	10Y	4.824	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	4.270	1.455	+2.815
TTM	2.156	1.485	+0.671
YOY	2.066	1.932	+0.134
5Y	4.824	2.013	+2.811
10Y	4.824	1.867	+2.957

Measures if Applyflow is able to pay off Short-term Debt but only using the most liquid assets.

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast Applyflow can pay off its short term debts. This shows if Applyflow can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of Applyflow is 4.27. This means that Applyflow can pay off $4.27 for each $1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Internet Content & Information industry is 1.46.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example Applyflow

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio Applyflow: (5,597 + +57) / 1,324 = 4.27

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

1.4. Solvency of Applyflow Ltd.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of Applyflow assets are financed with debt.

Below 1 (100%) is considered healthy but always compare Applyflow to Internet Content & Information industry mean.
A Debt to Asset Ratio of 0.22 means that Applyflow assets are financed with 21.7% credit (debt) and the remaining percentage (100% - 21.7%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Applyflow Ltd:

The MRQ is 0.217. The company is very able to pay all its debts by selling its assets. +2
The TTM is 0.185. The company is very able to pay all its debts by selling its assets. +2

Trends

Current period		Compared to		+/-
MRQ	0.217	TTM	0.185	+0.032
TTM	0.185	YOY	0.280	-0.095
TTM	0.185	5Y	0.183	+0.003
5Y	0.183	10Y	0.183	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	0.217	0.396	-0.179
TTM	0.185	0.396	-0.211
YOY	0.280	0.414	-0.134
5Y	0.183	0.417	-0.234
10Y	0.183	0.452	-0.269

Measures how much % of Applyflow assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake Applyflow than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy but always compare Applyflow to Internet Content & Information industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of Applyflow is 0.22. This means means that Applyflow is financed with 21.7% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Internet Content & Information industry is 188.2%.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why Applyflow has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example Applyflow

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
1,394 \ 6,409 = 21.7% or 0.22.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if Applyflow is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare Applyflow to the Internet Content & Information industry mean.
A Debt to Equity ratio of 27.8% means that company has $0.28 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Applyflow Ltd:

The MRQ is 0.278. The company is very able to pay all its debts with equity. +2
The TTM is 0.229. The company is very able to pay all its debts with equity. +2

Trends

Current period		Compared to		+/-
MRQ	0.278	TTM	0.229	+0.048
TTM	0.229	YOY	0.410	-0.180
TTM	0.229	5Y	0.243	-0.013
5Y	0.243	10Y	0.243	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	0.278	0.542	-0.264
TTM	0.229	0.574	-0.345
YOY	0.410	0.622	-0.212
5Y	0.243	0.646	-0.403
10Y	0.243	0.672	-0.429

Measures if Applyflow is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of Applyflow is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of Applyflow is 0.28. This means that Applyflow can pay off $0.28 for each $1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Internet Content & Information industry is 0.54.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example Applyflow

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
1,394 \ 5,015 = 0.28 or 27.8%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

2. Market Valuation of Applyflow Ltd

2. Earnings Per Share

2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Applyflow generates.

Above 15 is considered overpriced but always compare Applyflow to the Internet Content & Information industry mean.
A PE ratio of -0.31 means the investor is paying $-0.31 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Applyflow Ltd:

The EOD is -2.720. Company is losing money. -2
The MRQ is -0.314. Company is losing money. -2
The TTM is -5.387. Company is losing money. -2

Trends

Current period		Compared to		+/-
EOD	-2.720	MRQ	-0.314	-2.406
MRQ	-0.314	TTM	-5.387	+5.073
TTM	-5.387	YOY	-17.010	+11.623
TTM	-5.387	5Y	-9.507	+4.120
5Y	-9.507	10Y	-9.507	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
EOD	-2.720	-0.423	-2.297
MRQ	-0.314	-0.847	+0.533
TTM	-5.387	-1.169	-4.218
YOY	-17.010	6.854	-23.864
5Y	-9.507	6.049	-15.556
10Y	-9.507	11.167	-20.674

Measures how much money you pay for each share for every $1 in earnings Applyflow generates.

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare Applyflow to the Internet Content & Information industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet. Result: huge market crash.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of Applyflow is -0.31. This means the investor is paying $-0.31 for every $1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Internet Content & Information industry is -0.85.
What is the trend?
The trend is important because it shows you how Applyflow is performing over time. The most recent quarter might be important if Applyflow released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Applyflow up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example Applyflow

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
-1,636 \ 118,304 = EPS
PE ratio MRQ = -0.31

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of Applyflow.

Lower is better.
A PEG ratio of 1 means the market price of the stock and the expected future earnings are on par.

Let's take a look of the Price Earnings to Growth Ratio trends of Applyflow Ltd:

The MRQ is 0.017. Very good. +2
The TTM is -5.643. Very Bad. -2

Trends

Current period		Compared to		+/-
MRQ	0.017	TTM	-5.643	+5.661
TTM	-5.643	YOY	-15.991	+10.348
TTM	-5.643	5Y	-9.066	+3.423
5Y	-9.066	10Y	-9.066	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
MRQ	0.017	4.545	-4.528
TTM	-5.643	9.062	-14.705
YOY	-15.991	12.002	-27.993
5Y	-9.066	34.532	-43.598
10Y	-9.066	62.077	-71.143

PEG Ratio	Meaning
0.5	You can buy the stock cheap based on future growth
1	You pay a fair price based on future growth
2	The stock is overpriced based on future growth

2. Book Value per Share

2.3. Price to Book Ratio

Measures if the stock price of Applyflow is to cheap or to expensive compared to its book value.

At or below 1 is considered healthy (always compare to Internet Content & Information industry mean).
A PB ratio of 0.04 means the investor is paying $0.04 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Applyflow Ltd:

The EOD is 0.383. Very good. +2
The MRQ is 0.044. Very good. +2
The TTM is 0.605. Very good. +2

Trends

Current period		Compared to		+/-
EOD	0.383	MRQ	0.044	+0.339
MRQ	0.044	TTM	0.605	-0.560
TTM	0.605	YOY	3.469	-2.864
TTM	0.605	5Y	1.916	-1.312
5Y	1.916	10Y	1.916	0.000

Compared to industry (Internet Content & Information)

Period	Company	Industry (mean)	+/-
EOD	0.383	2.078	-1.695
MRQ	0.044	2.066	-2.022
TTM	0.605	2.014	-1.409
YOY	3.469	3.867	-0.398
5Y	1.916	3.725	-1.809
10Y	1.916	4.079	-2.163

2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Applyflow Ltd.

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Applyflow Ltd compared to the Most Recent Quarter (MRQ).

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Change Per Share	-	-	0.032	0.016	+100%	0.000	+26306%	0.002	+1305%	0.002	+1305%
Book Value Growth	-	-	0.790	0.895	-12%	1.340	-41%	1.359	-42%	1.359	-42%
Book Value Per Share	-	-	0.034	0.018	+88%	0.002	+2024%	0.011	+222%	0.011	+222%
Book Value Per Share Growth	-	-	15.805	8.403	+88%	1.110	+1324%	2.293	+589%	2.293	+589%
Current Ratio	-	-	4.417	4.417	0%	4.265	+4%	8.087	-45%	8.087	-45%
Debt To Asset Ratio	-	-	0.217	0.185	+17%	0.280	-22%	0.183	+19%	0.183	+19%
Debt To Equity Ratio	-	-	0.278	0.229	+21%	0.410	-32%	0.243	+15%	0.243	+15%
Dividend Per Share	-	-	-	-	0%	-	0%	-	0%	-	0%
Eps	-	-	-0.005	-0.003	-47%	0.000	-93%	-0.003	-28%	-0.003	-28%
Eps Growth	-	-	-18.000	-8.537	-53%	1.065	-1790%	-0.265	-99%	-0.265	-99%
Free Cash Flow Per Share	-	-	-0.002	-0.001	-47%	0.000	-89%	-0.003	+56%	-0.003	+56%
Free Cash Flow Per Share Growth	-	-	-18.000	-8.309	-54%	1.097	-1740%	-0.241	-99%	-0.241	-99%
Free Cash Flow To Equity Per Share	-	-	-0.002	-0.001	-47%	0.000	-783%	0.000	-635%	0.000	-635%
Free Cash Flow To Equity Per Share Growth	-	-	-18.000	-9.083	-50%	2.279	-890%	0.342	-5364%	0.342	-5364%
Gross Profit Margin	-	-	1.000	1.000	0%	1.000	0%	0.933	+7%	0.933	+7%
Net Profit Margin	-	-	-1.404	-0.702	-50%	-0.592	-58%	-13.553	+865%	-13.553	+865%
Operating Margin	-	-	-0.369	-0.185	-50%	-0.021	-94%	-0.217	-41%	-0.217	-41%
Operating Ratio	-	-	-	-	0%	-	0%	0.115	-100%	0.115	-100%
Pb Ratio	0.383	+88%	0.044	0.605	-93%	3.469	-99%	1.916	-98%	1.916	-98%
Pe Ratio	-2.720	-767%	-0.314	-5.387	+1617%	-17.010	+5321%	-9.507	+2930%	-9.507	+2930%
Peg Ratio	-	-	0.017	-5.643	+32470%	-15.991	+91825%	-9.066	+52105%	-9.066	+52105%
Price Per Share	0.013	+88%	0.002	0.002	-25%	0.005	-71%	0.006	-76%	0.006	-76%
Price To Total Gains Ratio	0.409	+88%	0.047	0.047	0%	-3.721	+7980%	-1.266	+2782%	-1.266	+2782%
Profit Growth	-	-	0.000	0.731	-100%	0.760	-100%	0.859	-100%	0.859	-100%
Quick Ratio	-	-	4.270	2.156	+98%	2.066	+107%	4.824	-11%	4.824	-11%
Return On Assets	-	-	-0.221	-0.157	-29%	-0.219	-1%	-0.382	+73%	-0.382	+73%
Return On Equity	-	-	-0.282	-0.197	-30%	-0.317	+13%	-0.477	+69%	-0.477	+69%
Total Gains Per Share	-	-	0.032	0.016	+100%	0.000	+26306%	0.002	+1305%	0.002	+1305%
Usd Book Value	-	-	3336635.846	3779404.638	-12%	2436646.946	+37%	2497404.426	+34%	2497404.426	+34%
Usd Book Value Change Per Share	-	-	0.021	0.011	+100%	0.000	+26306%	0.002	+1305%	0.002	+1305%
Usd Book Value Per Share	-	-	0.023	0.012	+88%	0.001	+2024%	0.007	+222%	0.007	+222%
Usd Dividend Per Share	-	-	-	-	0%	-	0%	-	0%	-	0%
Usd Eps	-	-	-0.003	-0.002	-47%	0.000	-93%	-0.002	-28%	-0.002	-28%
Usd Free Cash Flow	-	-	-210145.650	-210145.650	0%	-319159.047	+52%	-500716.312	+138%	-500716.312	+138%
Usd Free Cash Flow Per Share	-	-	-0.001	-0.001	-47%	0.000	-89%	-0.002	+56%	-0.002	+56%
Usd Free Cash Flow To Equity Per Share	-	-	-0.002	-0.001	-47%	0.000	-783%	0.000	-635%	0.000	-635%
Usd Price Per Share	0.009	+88%	0.001	0.001	-25%	0.003	-71%	0.004	-76%	0.004	-76%
Usd Profit	-	-	-940567.875	-705426.572	-25%	-671717.983	-29%	-755517.031	-20%	-755517.031	-20%
Usd Revenue	-	-	669910.529	334955.265	+100%	378570.669	+77%	248619.505	+169%	248619.505	+169%
Usd Total Gains Per Share	-	-	0.021	0.011	+100%	0.000	+26306%	0.002	+1305%	0.002	+1305%
	EOD	+3 -2	MRQ	TTM	+11 -22	YOY	+18 -18	5Y	+20 -18	10Y	+20 -18

4.2. Fundamental Score

Let's check the fundamental score of Applyflow Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

Indicator	Condition		Value
Price to Earnings Ratio (EOD)	Between	0-15	-2.720
Price to Book Ratio (EOD)	Between	0-1	0.383
Net Profit Margin (MRQ)	Greater than	0	-1.404
Operating Margin (MRQ)	Greater than	0	-0.369
Quick Ratio (MRQ)	Greater than	1	4.270
Current Ratio (MRQ)	Greater than	1	4.417
Debt to Asset Ratio (MRQ)	Less than	1	0.217
Debt to Equity Ratio (MRQ)	Less than	1	0.278
Return on Equity (MRQ)	Greater than	0.15	-0.282
Return on Assets (MRQ)	Greater than	0.05	-0.221
Total			5/10 (50.0%)

Create your own Stock Scanner

Investing is personal. The best investors buy stocks based on their own analysis. Create your personal Stock Scanner with the key performance indicators that are important to you.
Create your own Stock Scanner

4.3. Technical Score

Let's check the technical score of Applyflow Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Open	Greater than	Close	0.013
Total			0/1 (0.0%)

Create your own Symbol Scanner

Trading is personal. The best traders buy and sell based on their own technical analysis. Create your personal Symbol Scanner with the technical indicators that are important to you.
Create your own Symbol Scanner

Latest Balance Sheet

Balance Sheet of 2022-06-30. Currency in AUD. All numbers in thousands.

Summary

Total Assets	6,409
Total Liabilities	1,394
Total Stockholder Equity	5,015

	As reported
Total Liabilities	1,394
Total Stockholder Equity	+ 5,015
Total Assets	= 6,409

Assets

Total Assets	6,409
Total Current Assets	5,849
Long-term Assets	5,849

Total Current Assets

Total Current Assets (as reported)	5,849
Cash And Cash Equivalents	5,597
Net Receivables	57
Other Current Assets	125
Total Current Assets (calculated)	5,779
+/-	69

Long-term Assets

Long-term Assets (as reported)	560
Property Plant Equipment	23
Intangible Assets	538
Long-term Assets (calculated)	560
+/-	0

Liabilities & Shareholders' Equity

Total Current Liabilities	1,324
Long-term Liabilities	70
Total Stockholder Equity	5,015

Total Current Liabilities

Total Current Liabilities (as reported)	1,324
Accounts payable	103
Other Current Liabilities	620
Total Current Liabilities (calculated)	723
+/-	601

Long-term Liabilities

Long-term Liabilities (as reported)	70
Other Liabilities	70
Long-term Liabilities (calculated)	70
+/-	0

Total Stockholder Equity

Total Stockholder Equity (as reported)	5,015
Common Stock	29,322
Retained Earnings	-25,283
Other Stockholders Equity	977
Total Stockholder Equity (calculated)	5,015
+/-	0

Other

Capital Stock	29,322
Cash And Equivalents	5,597
Cash and Short Term Investments	5,597
Common Stock Shares Outstanding	118,304
Liabilities and Stockholders Equity	6,409
Net Invested Capital	5,015
Net Tangible Assets	4,478
Net Working Capital	4,525

Balance Sheet

Currency in AUD. All numbers in thousands.

Trend

2022-06-30

2022-03-31

2021-12-31

2021-09-30

2021-06-30

2021-03-31

2020-12-31

2020-09-30

2020-06-30

2020-03-31

2019-12-31

2019-09-30

2019-06-30

2018-12-31

2018-06-30

> Total Assets

1,575
609
1,764
0
5,655
0
6,649
0
4,820
0
3,654
0
7,494
0
6,409

6,409

7,494

3,654

4,820

6,649

5,655

1,764

609

1,575

> Total Current Assets

1,459
596
1,760
5,651
5,651
5,864
5,864
3,609
3,609
2,463
2,463
6,480
6,480
5,849
5,849

5,849

6,480

2,463

3,609

5,864

5,651

1,760

596

1,459

Cash And Cash Equivalents

1,130
380
1,556
0
5,359
0
5,241
0
3,297
0
2,207
0
6,291
0
5,597

5,597

6,291

2,207

3,297

5,241

5,359

1,556

380

1,130

Net Receivables

291
107
196
238
238
282
282
156
156
49
49
31
31
57
57

156

282

238

196

107

291

Other Current Assets

38
108
9
0
53
149
149
39
39
19
19
50
50
125
125

125

149

108

> Long-term Assets

0
0
0
0
0
0
785
0
0
0
1,192
0
0
0
560

560

1,192

785

Property Plant Equipment

23
14
4
4
4
5
5
1
1
254
254
203
203
23
23

203

254

Long Term Investments

0
0
0
0
0
0
0
0
0
0
43
0
0
0
0

Intangible Assets

0
0
0
0
0
0
780
0
1,210
0
895
0
768
0
538

538

768

895

1,210

780

> Total Liabilities

249
146
122
0
205
0
1,307
0
1,183
0
1,321
0
1,148
0
1,394

1,394

1,148

1,321

1,183

1,307

205

122

146

249

> Total Current Liabilities

249
146
122
205
205
1,286
1,286
1,081
1,081
1,120
1,120
1,023
1,023
1,324
1,324

1,324

1,023

1,120

1,081

1,286

205

122

146

249

Accounts payable

0
0
0
165
165
334
334
218
218
65
65
-5
-5
103
103

103

-5

218

334

165

Other Current Liabilities

0
0
0
0
0
391
391
405
405
274
274
335
335
620
620

620

335

274

405

391

> Long-term Liabilities

0
0
0
0
0
0
21
0
0
0
201
0
0
0
70

201

Long term Debt Total

0
0
0
0
0
0
0
0
0
0
122
0
42
0
0

122

Other Liabilities

0
0
0
0
0
21
21
102
102
79
79
83
83
70
70

102

> Total Stockholder Equity

1,326
463
1,642
0
5,450
0
5,342
0
3,638
0
2,333
0
6,346
0
5,015

5,015

6,346

2,333

3,638

5,342

5,450

1,642

463

1,326

Common Stock

16,024
16,024
17,686
22,197
22,197
23,976
23,976
24,054
24,054
24,052
24,052
29,322
29,322
29,322
29,322

29,322

24,052

24,054

23,976

22,197

17,686

16,024

Retained Earnings

-25,283

-23,869

-22,554

-21,177

-19,752

-17,488

-16,043

-15,561

-14,698

Capital Surplus

Treasury Stock

Other Stockholders Equity

0
0
0
741
741
1,119
1,119
760
760
835
835
894
894
977
977

977

894

835

760

1,119

741

Balance Sheet

Currency in AUD. All numbers in thousands.

	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31
Accounts Payable	103	65	334	26	40	99	-
Capital Lease Obligations	-	273	-	-	-	-	-
Capital Stock	29,322	24,052	23,976	17,686	-	-	-
Cash	5,597	2,207	5,241	1,556	1,130	3,442	9,535
Cash And Equivalents	5,597	2,207	5,241	1,556	1,130	3,442	-
Cash And Short Term Investments	5,597	2,207	5,241	1,556	1,130	3,442	9,535
Common Stock	29,322	24,052	23,976	17,686	16,024	15,090	15,083
Common Stock Shares Outstanding	147,880	1,811,854	1,797,726	1,081,540	577,322	523,811	-
Intangible Assets	538	895	780	-	-	0	78
Liabilities And Stockholders Equity	6,409	3,654	6,649	1,764	1,575	4,249	-
Long Term Debt Total	0	122	0	0	0	0	-
Long Term Investments	-	43	-	-	93	93	-
Net Invested Capital	5,015	2,333	5,342	1,642	1,326	3,866	-
Net Receivables	57	49	282	196	291	654	15
Net Tangible Assets	4,478	1,438	4,562	1,642	1,326	3,866	-
Net Working Capital	4,525	1,342	4,579	1,638	1,210	3,744	-
Non Current Assets Total	560	1,192	785	4	116	122	-
Non Current Liabilities Other	39	-	-	-	-	-	-
Non Current Liabilities Total	70	201	21	0	0	0	-
Other Assets	0	43	-	-	93	93	-
Other Current Assets	125	19	149	9	38	30	6
Other Current Liab	620	274	391	-	123	221	-
Other Liab	70	79	21	-	-	-	-
Other Stockholder Equity	977	835	1,119	198	126	50	-
Property Plant Equipment	23	254	5	4	23	29	1
Retained Earnings	-25,283	-22,554	-19,752	-16,242	-14,824	-11,274	-6,994
Short Long Term Debt Total	-	122	-	-	-	-	-
Short Term Debt	0	0	0	0	0	0	237
Total Assets	6,409	3,654	6,649	1,764	1,575	4,249	9,635
Total Current Assets	5,849	2,463	5,864	1,760	1,459	4,127	9,556
Total Current Liabilities	1,324	1,120	1,286	122	249	383	1,545
Total Liab	1,394	1,321	1,307	122	249	383	1,545
Total Stockholder Equity	5,015	2,333	5,342	1,642	1,326	3,866	8,089

	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2018-12-31	2018-06-30
Accounts Payable	103	103	-5	-5	65	65	218	218	334	334	165	165	-	-	-
Capital Lease Obligations	-	-	-	-	273	-	-	-	-	-	-	-	-	-	-
Capital Stock	29,322	-	-	-	24,052	-	-	-	-	-	-	-	-	-	-
Cash	5,597	-	6,291	-	2,207	-	3,297	-	5,241	-	5,359	-	1,556	380	1,130
Cash And Equivalents	5,597	-	6,291	-	2,207	-	3,297	-	5,241	-	-	-	-	-	-
Cash And Short Term Investments	5,597	-	6,291	-	2,207	-	3,297	-	5,241	-	5,359	-	1,556	380	1,130
Common Stock	29,322	29,322	29,322	29,322	24,052	24,052	24,054	24,054	23,976	23,976	22,197	22,197	17,686	16,024	16,024
Common Stock Shares Outstanding	118,304	-	2,957,608	-	1,811,854	-	2,185,326	-	1,797,726	-	-	-	-	-	-
Intangible Assets	538	-	768	-	895	-	1,210	-	780	-	-	-	-	-	-
Liabilities And Stockholders Equity	6,409	-	7,494	-	3,654	-	4,820	-	6,649	-	-	-	-	-	-
Long Term Debt Total	0	-	42	-	122	-	0	-	0	-	-	-	-	-	-
Long Term Investments	-	-	-	-	43	-	-	-	-	-	-	-	-	-	-
Net Invested Capital	5,015	-	-	-	2,333	-	-	-	5,342	-	-	-	-	-	-
Net Receivables	57	57	31	31	49	49	156	156	282	282	238	238	196	107	291
Net Tangible Assets	4,478	4,478	5,578	5,578	1,438	1,438	2,428	2,428	4,562	4,562	5,450	5,450	-	-	-
Net Working Capital	4,525	-	-	-	1,342	-	-	-	4,579	-	-	-	-	-	-
Non Current Assets Total	560	-	-	-	1,192	-	-	-	785	-	-	-	-	-	-
Non Current Liabilities Other	39	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Non Current Liabilities Total	70	-	-	-	201	-	-	-	21	-	-	-	-	-	-
Other Assets	0	-	43	43	43	43	-	-	-	-	-	-	-	-	93
Other Current Assets	125	125	50	50	19	19	39	39	149	149	53	-	9	108	38
Other Current Liab	620	620	335	335	274	274	405	405	391	391	-	-	-	-	-
Other Liab	70	70	83	83	79	79	102	102	21	21	-	-	-	-	-
Other Stockholder Equity	977	977	894	894	835	835	760	760	1,119	1,119	741	741	-	-	-
Property Plant Equipment	23	23	203	203	254	254	1	1	5	5	4	4	4	14	23
Retained Earnings	-25,283	-25,283	-23,869	-23,869	-22,554	-22,554	-21,177	-21,177	-19,752	-19,752	-17,488	-17,488	-16,043	-15,561	-14,698
Short Long Term Debt Total	-	-	-	-	122	-	-	-	-	-	-	-	-	-	-
Short Term Debt	0	-	0	-	0	-	0	-	0	-	-	-	-	-	-
Total Assets	6,409	-	7,494	-	3,654	-	4,820	-	6,649	-	5,655	-	1,764	609	1,575
Total Current Assets	5,849	5,849	6,480	6,480	2,463	2,463	3,609	3,609	5,864	5,864	5,651	5,651	1,760	596	1,459
Total Current Liabilities	1,324	1,324	1,023	1,023	1,120	1,120	1,081	1,081	1,286	1,286	205	205	122	146	249
Total Liab	1,394	-	1,148	-	1,321	-	1,183	-	1,307	-	205	-	122	146	249
Total Stockholder Equity	5,015	-	6,346	-	2,333	-	3,638	-	5,342	-	5,450	-	1,642	463	1,326

Cash Flow

Currency in AUD. All numbers in thousands.

	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31
Begin Period Cash Flow	2,207	5,241	1,556	1,130	3,442	9,535
Capital Expenditures	26	5	2	2	6	36
Change In Cash	3,390	-3,034	3,685	425	-2,312	-6,093
Change In Working Capital	-100	64	246	239	-475	844
Change To Account Receivables	-22	367	4	95	363	-640
Change To Liabilities	-67	-207	404	-86	-156	-679
Change To Netincome	133	-23	1,184	-42	77	49
Change To Operating Activities	460	-24	-74	-13	15	-271
Depreciation	137	61	2	12	12	86
End Period Cash Flow	5,597	2,207	5,241	1,556	1,130	3,442
Free Cash Flow	-1,753	-2,945	-1,917	-1,357	-3,246	-5,107
Investments	-107	-752	-442	4	-6	-129
Issuance Of Capital Stock	5,688	30	6,413	1,778	-	-
Net Borrowings	-138	-46	-248	-248	-248	-236
Net Income	-2,729	-2,801	-3,511	-1,418	-3,550	-4,280
Other Cashflows From Financing Activities	-422	-4	-122	-128	-66	-657
Other Cashflows From Investing Activities	19	-47	9	93	93	-93
Sale Purchase Of Stock	-422	-4	6,413	1,906	934	-657
Total Cash From Financing Activities	5,128	-20	6,042	1,778	934	-893
Total Cash From Operating Activities	-1,628	-2,265	-1,915	-1,450	-3,240	-5,071
Total Cashflows From Investing Activities	-107	-752	-442	98	-6	-129

	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2018-12-31	2018-06-30
Capital Expenditures	2	2	11	11	1	1	1	1	1	1	2	0	0	0	6
Change In Cash	-347	-347	2,042	2,042	-545	-545	-972	-972	-59	-59	3,804	-	425	-750	-2,312
Change In Working Capital	-100	-	-49	-	64	-	62	-	246	-	8	-	239	233	-
Change To Account Receivables	-20	-20	9	9	64	64	119	119	2	2	-	-	-	-	-
Change To Liabilities	63	63	-97	-97	0	0	-103	-103	202	202	0	0	-	-	-
Change To Netincome	33	33	34	34	143	143	-154	-154	327	327	265	265	-	-	-
Change To Operating Activities	170	170	61	61	-87	-87	75	75	-37	-37	-37	-37	-	-	-
Depreciation	32	32	37	37	30	30	0	0	0	0	-	-	-	-	-
Net Borrowings	-32	-32	-37	-37	-23	-23	-23	-23	-124	-124	-124	-124	-	-	-
Net Income	-707	-707	-658	-658	-688	-688	-712	-712	-1,132	-1,132	-	-	-	-	-
Other Cashflows From Financing Activities	-422	-	-211	-211	-1	-1	-1	-1	-10	-10	-51	-51	-128	-	-
Other Cashflows From Investing Activities	19	-	9	9	-22	-22	-2	-2	-2	-2	4	4	98	-	-
Sale Purchase Of Stock	5,688	-	5,688	-	30	-	30	-	6,413	-	4,613	-	1,906	-	934
Total Cash From Financing Activities	-32	-32	2,596	2,596	-24	-24	14	14	765	765	4,511	-	1,778	-	934
Total Cash From Operating Activities	-314	-314	-500	-500	-447	-447	-685	-685	-600	-600	-357	-357	-1,450	-750	-3,240
Total Cashflows From Investing Activities	-2	-2	-52	-52	-73	-73	-303	-303	-224	-224	3	3	98	-	-6

Income Statement

Currency in AUD. All numbers in thousands.

	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31
Cost Of Revenue	-	-	-	-	1,133	71	-
Ebit	-1,375	-962	-2,240	-1,204	-3,183	-3,603	-
Ebitda	-2,122	-2,234	-3,240	-1,121	-3,133	-5,681	-
Gross Profit	2,084	2,559	268	13	133	88	3
Income Before Tax	-2,727	-2,793	-3,511	-1,418	-3,550	-4,280	-4,963
Income Tax Expense	3	8	-	-	-	-	-
Interest Expense	10	0	0	285	0	0	0
Interest Income	2	8	1,042	285	405	757	759
Net Income	-2,729	-2,801	-3,511	-1,418	-3,550	-4,280	-4,963
Net Income Applicable To Common Shares	-2,729	-2,801	-3,511	-1,418	-3,550	-4,280	-4,963
Net Income From Continuing Ops	-2,729	-2,801	-3,511	-1,418	-3,550	-4,280	-
Net Interest Income	-7	8	19	-275	-366	80	-
Operating Income	-2,735	-2,656	-2,469	-1,133	-3,145	-3,523	-4,204
Other Operating Expenses	16	16	37	191	229	1,403	-
Reconciled Depreciation	594	421	78	12	12	86	-
Research Development	21	63	43	394	1,056	2,104	-
Selling General Administrative	3,661	4,010	2,423	942	2,439	2,825	683
Tax Provision	3	8	0	0	0	0	-
Total Other Income Expense Net	16	-146	-212	191	236	1,407	-
Total Revenue	2,084	2,559	287	42	1,267	159	3

	2022-12-31	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2018-12-31	2018-06-30
Cost Of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	266	258
Ebit	-	-372	-372	-316	-316	243	243	-724	-724	-636	-636	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32	52
Income Before Tax	-1,636	-1,414	-	-1,313	-	-1,406	-	-1,387	-	-2,264	-	-1,247	-	-1,418	-871	-1,806
Income Tax Expense	-	0	0	1	1	-15	-15	19	19	-	-	-	-	-	-	-
Interest Income	0	4	-	6	-	583	-	1,111	-	756	-	286	-	285	136	179
Net Income	-1,636	-1,414	-	-1,316	-	-1,377	-	-1,424	-	-2,264	-	-1,247	-	-1,418	-871	-1,806
Net Income Applicable To Common Shares	-1,636	-707	-707	-658	-658	-688	-688	-712	-712	-1,132	-1,132	-623	-623	-1,418	-871	-1,806
Operating Income	-1,636	-1,477	-	-1,307	-	-823	-	-276	-	-1,508	-	-961	-	-1,133	-735	-1,627
Other Operating Expenses	-	8	8	8	8	0	0	0	0	0	0	18	18	-	-	-
Selling General Administrative	2,500	2,123	-	2,081	-	1,466	-	1,570	-	1,419	-	1,004	-	942	608	1,308
Tax Provision	0	0	-	3	-	-30	-	37	-	0	-	-	-	-	-	-
Total Revenue	1,019	1,007	-	1,095	-	1,181	-	1,386	-	279	-	8	-	42	297	310

Latest Income Statement (annual, 2021-12-31)

Gross Profit (+$)
totalRevenue	2,084
Cost of Revenue	--
Gross Profit	2,084	2,084

Operating Income (+$)
Gross Profit	2,084
Operating Expense	--
Operating Income	-2,735	2,084

Operating Expense (+$)
Research Development	21
Selling General Administrative	3,661
Selling And Marketing Expenses	-
Operating Expense	-	3,682

Net Interest Income (+$)
Interest Income	2
Interest Expense	-10
Other Finance Cost	-0
Net Interest Income	-7

Pretax Income (+$)
Operating Income	-2,735
Net Interest Income	-7
Other Non-Operating Income Expenses	-
Income Before Tax (EBT)	-2,727	-2,751 EBIT - interestExpense = -1,385 -2,727 -2,720
Interest Expense	10
Earnings Before Interest and Taxes (EBIT)	-1,375	-2,717
Earnings Before Interest and Taxes (EBITDA)	-2,122

After tax Income (+$)
Income Before Tax	-2,727
Tax Provision	-3
Net Income From Continuing Ops	-2,729	-2,729
Net Income	-2,729
Net Income Applicable To Common Shares	-2,729

Non-recurring Events
Discontinued Operations	-
Extraordinary Items	-
Effect of Accounting Charges	-
Other Items	-
Non Recurring	-
Other Operating Expenses	16
Total Other Income/Expenses Net	16	7

Technicals of Applyflow

1. Trend Indicators

1.1 Moving Averages

Shows the moving average of the selected period.

Moving averages are lagging trend indicators.
There are many types of moving averages.
Moving averages are also used within other indicators.

Directionalities and relatives.

Moving Average	Amount of candles	Trend	Price +/-	vs. MA 50	vs. MA 100	vs. MA 200

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Shows the moving average of the selected period.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

There are various kinds of moving averages:

Simple moving average (SMA);
Exponential moving average (EMA);
Smoothed moving average (SMMA);
Linear weighted moving average (LWMA).

The moving average looks at a certain period of time and it calculates the price average. The various types of averages are using various formulas. Don’t worry, you don’t have to memorize any formula. All moving averages are calculated automatically by basically every charting software you use. But it’s good to know how moving averages are actually calculated.

Simple moving average

SMA is calculated by summing up the price closures of the selected period. The price is then divided by the selected period. For example, when using the 21 day moving average you sum up all the closing prices for each day and divide that by 21. The result is a line on the chart representing the average. Because it’s an average in the selected timeframe, the trend is always lagging. An moving average looks like this on the chart:

Source: Tradingview.com

In this case, the blue line represents a 21 day moving average. Because the average is based on results from the past, the indicator will always lag behind. For example, when price would suddenly go up, the moving average won't immediately follow.

All other moving averages discussed below look the same on the chart. The only difference is that the line will move in different directions based on the maths behind the used indicators and the amount of days used to determine the average.

Exponential moving average

The EMA gives more weight to the latest closing prices by giving them more value in the equation. EMA is calculated by adding a certain percentage to the latest closing prices:

EMA = (CLOSE (i) * P) + (EMA (i - 1) * (1 - P))

Where:

CLOSE (i) = current period close price.
EMA (i - 1) = value of the Moving Average of a preceding period.
P = the percentage of using the price value.

Smoothed moving average

A smoothed moving average is an exponential moving average with a long lookback period. Older prices are reduced in weight but are never left out in the calculation. Unlike SMA and EMA where prices are removed when they are beyond the selected period. SMMA is a combination of the SMA and EMA. The main advantage is that it smooths out fluctuations in price.

Linear weighted moving average

The LWMA gives the latest price the highest weight and then lineary scales down with each price before that. The result is that the LWMA reacts quicker to changes in price than the SMA or EMA. The formula:

LWMA = ((Pn∗W1)+(Pn−1∗W2)+(Pn−2∗W3)...) / ∑W

Where:

P = Price for the period.
n = The most recent period, n-1 is the prior period, and n-2 is two periods prior.
W = The assigned weight to each period, with the highest weight going first and then descending linearly based on the number of periods being used.

Moving averages are widely used by many traders. Which moving average you need depends on your trading strategy. Common practise is using a combination of multiple periods. For example, the EMA21, EMA50, EMA100 and EMA200. How does that look on a chart:

Source: Tradingview.com

The lowest (purple) line on the chart represents the EMA200 then following up the EMA100, EMA50 and EMA21.

You can use moving averages to determine a trend. The 200 moving average is mostly used as a baseline for determining the current trend:

When the 200 moving average is moving up it is considered a bullish trend.
When the 200 moving average is down it is considered a bearish trend.
When moving averages are flatlined, there is no clear trend so you should look for market structure, consolidation or trend reversals. Depending on how you want to trade.

This is not set in stone. Most trading strategies use multiple moving averages each with different settings. While one strategy might use the EMA20, the other uses the SMA21. There can be hundreds of different variations. Moving averages can also be used as support and resistance. More often than not, prices will bounce on moving averages.

Applyflow Ltd Daily Moving Averages Chart

1.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

MACD is a lagging momentum indicator.
Uses two moving averages.
Can show buy or sell signals based on momentum.
Can show overbought. and oversold. levels.

Let's take a look of the Moving Average Convergence/Divergence (MACD) of Applyflow Ltd:

Applyflow Ltd Daily Moving Average Convergence/Divergence (MACD) Chart

1.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index).

The ADX helps you determine the strength of a trend. Let's take a look of the ADX of Applyflow Ltd:

The ADX is .

Applyflow Ltd Daily Directional Movement Index (DMI) Chart

1.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

Parabolic SAR (stop and reverse) is a lagging trend indicator.
Shows the current trend.
Shows potential entry signals.
Shows potential exit signals.
Can be used to place trailing stoplosses..

The Parabolic SAR is lower than the price. The current trend is up. +2

2. Momentum Indicators

2.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

Leading momentum indicator, meaning the signals are instant.
Ranges between 0 and 100.
Above 70 is considered overbought.
Below 30 is considered oversold.
Above or below 50 can also be used to determine price trend or support and resistance.
RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
Can be used in many different ways

The RSI is below 50. -1
The RSI is below 30 and oversold. +2

Measures the speed and change of price movements.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

The RSI measures the magnitude of recent price changes to determine if the asset is overbought or oversold.

Overbought (RSI above 70) means that the trading price is above its intrinsic value. This might indicate a sell or short signal.
Oversold (RSI below 30) means that the trading price is below its intrinsic value. This might indicate a buy or long signal.
RSI levels above or below 50 can also be used to determine a trend.
RSI divergence looks at a deviation between RSI and price movement.
Can be used in many different ways.

Original usage

Keep in mind that almost every indicator can be used in different ways. Even beyond the orginal settings. The relative strength index was developed by J. Welles Wilder. Wilder recommended a smoothing period of 14 days. That means a 14 day moving average (read more about this setting below). Another quote from the wikipedia page:

Wilders also considers the RSI 50 line as both support and resistance. I recommend to always read the original settings first before using an indicator. Many traders and websites are using their own version of the indicator which might be confusing.

How you can use RSI (Divergence)

First and foremost, there is no real right or wrong usage of the RSI indicator. You can use it in any way you want. Wilder recommends using a 14 day average but you can make it 50 or 100 if you like. Just keep in mind that using an indicator is just part of a larger trading plan. In other words, it’s not recommended to do any trading or investing based on a single indicator like the RSI.

The RSI is measured on a scale between 0 and 100. From 30 till 0 is considered oversold. and from 70 -100 is overbought. The RSI is a leading indicator, meaning the signals are instant.

I like to use the RSI as a trend\momentum indicator and not as an overbought or oversold indicator. I use the middle (50) as the baseline. When prices go above RSI 50 the trend is bullish and can indicate long positions. When below 50 it is considered bearish and can indicate short positions. Other traders use the 70 and 30 levels as overbought/oversold depending on the used strategy. The RSI indicator looks like this:

Source: Tradingview.com

The general concensus is that an RSI above 70 indicates that the security is overbought. In other words, the price this security is trading for is to high and should come down. So if RSI hits 70 or above this might indicate a sell signal or taking a short position (expecting the price will go down). Although RSI above 70 indicates the security is trading above it's fair value, that does not mean the price will go down.

Use tradingview to add indicators

I highly recommend using tradingview to add indicators to a chart. It has all the indicators you can think off and can add them for free (up to three indicators) to any chart you want. You can see that the levels 30 and 70 are marked with a dotted line. If you want you can remove these lines or give it another colour using Tradingview. You can also adjust the moving average used. You can also find RSI indicators made by the community that include other settings like RSI divergences.

Tradingview

Use Tradingview to (back)test your strategies and add hundreds of indicators created by the community.

View tool on Tradingview.com

RSI divergence

RSI is not only used to determine momentum but can also spot reversals or continuations of the trend. A reversal means that the trend is going in the opposite direction. From bullish to bearish or from bearish to bullish. These reversals can be spotted by looking at the price and the direction of the RSI. When the price is going up but the RSI is going down that means there is a divergence. This is also the case when RSI goes up but price is going down.

There are four types of divergences:

Regular bullish divergence
Regular bearish divergence
Hidden bullish divergence
Hidden bearish divergence

Regular bullish divergence

With a regular bullish divergence, the price is making lower highs but the oscillator (in this case the RSI) is making higher lows. A regular bullish divergence might indicate the end of the current trend. You’ll see regular bullish divergences mostly at the end of a downtrend. But that does not mean that every regular bullish divergence is a trend reversal.

Price is making lower highs
RSI is making higher lows
Indicating bullish reversal (price might go up)

Source: Tradingview.com

Regular bearish divergence

With a regular bearish divergence the price is making higher highs but the oscillator (in this case the RSI) is making lower highs. This might indicate the end of an uptrend.

Price is making higher highs
RSI is making lower highs
Indicating bearish reversal

Source: Tradingview.com

Hidden bullish divergence

With a hidden bullish divergence, the price is making a higher low while the RSI is making a lower low. This might indicate bullish trend continuation.

Price is making higher lows
RSI is making lower lows
Indicating bullish continuation

Source: Tradingview.com

As you have noticed, you can have multiple divergences in a row.

Hidden bearish divergence

With a hidden bearish divergence, price is making lower highs but RSI is making higher highs. This might indicate bearish trend continuation.

Price is making lower highs
RSI making higher highs
Indicating bearish continuation

Source: Tradingview.com

You can find many cheatsheets of RSI divergences online. Search for "RSI divergence overview" and you'll find a lot of examples. You can print these to learn the various types of divergences.

Applyflow Ltd Daily Relative Strength Index (RSI) Chart

2.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

Leading momentum indicator, meaning the signals are instant.
Used to determine overbought and oversold areas much like the RSI.
Ranges between 0 and 100.
Above 80 is considered overbought.
Below 20 is considered oversold.
Consists of two lines named K and D.
K compares the highest high and lowest low on the selected price range.
The D line is a moving average of the K line.
Can be used to spot divergences

The Stochastic is below 50. -1
The Stochastic is below 30 and oversold. +2

Applyflow Ltd Daily Stochastic Oscillator Chart

2.3 Commodity Channel Index (CCI)

Applyflow Ltd Daily Commodity Channel Index (CCI) Chart

2.4 Chande Momentum Oscillator (CMO)

Applyflow Ltd Daily Chande Momentum Oscillator (CMO) Chart

2.5 Williams %R

3. Volatility Indicators

3.1 Bollinger Bands

Applyflow Ltd Daily Bollinger Bands Chart

3.2 Average True Range (ATR)

Applyflow Ltd Daily Average True Range (ATR) Chart

4. Volume Indicators

4.1 On-Balance Volume (OBV)

Applyflow Ltd Daily On-Balance Volume (OBV) Chart

4.2 Money Flow Index (MFI)

Applyflow Ltd Daily Money Flow Index (MFI) Chart

5. Summary

5.1. Notifications

Type	Notification	Date
Currently no notifications for Applyflow Ltd.

5.2. Trading Signals

Date	Indicator	Entry signal	Exit signal
2023-05-29	STOCH	SHORT ENTRY	LONG CLOSE	80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE
2023-05-30	SAR	LONG ENTRY	SHORT CLOSE	price crossed sar to upside
	STOCH	LONG ENTRY	SHORT CLOSE	20 crossover to upside
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE
	MFI	20 crossover to upside
2023-06-01	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE
2023-06-02	DMI	SHORT ENTRY	LONG CLOSE
	SAR	SHORT ENTRY	LONG CLOSE	price crossed sar to downside
	MFI	20 crossover to downside

5.2. Technical Score

Let's check the technical score of Applyflow Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Open	Greater than	Close	0.013
Total			0/1 (0.0%)

Create your own Symbol Scanner

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Applyflow Ltd
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