[REVENUE GROUP BHD：拟通过部署新的数字EDC终端以扩大其在马来西亚的业务范围，该终端能够接受对其实体店商人的快速响应（“ QR”）付款]

4Q19 vs 4Q18:
截至2019年6月30日的本财政季，集团录得收入1,542万令吉（2018年6月30日：1,203万令吉）。集团的收入从截至2018年6月30日的财政季的1,203万令吉增加339万令吉，至截至2019年6月30日的财政季的1,542万令吉。

截至2019年6月30日的当前财政季度记录的更高收入主要归因于EDC终端对集团客户的销售增加，以及新收购的子公司Anypay Sd​​n Bhd和Buymall Services Sdn Bhd的2个月的收入贡献。

YTD19 vs YTD18：
截至本财政年度为止，银丰录得收入5936万令吉（2018年6月30日：3536万令吉）。银丰的收入由截至2018年6月30日止财政年度的3,536万令吉增加2,400万令吉至截至2019年6月30日止财政年度的5,936万令吉。截至2019年6月30日止财政年度录得的较高收入主要是由于EDC终端的销售增加，EDC终端的租金和处理收入的增加，以及新收购的子公司Anypay Sd​​n Bhd和Buymall Services Sdn Bhd的2个月收入的贡献。截至本财政年度为止的PBT为1,126万令吉。截至2019年6月30日的当前财政年度实现的PBT较高，主要是由于银丰业务活动的收入增加。

4Q19 vs 3Q19:
新收购子公司的收入贡献导致解决方案和服务的收入增加，从而缓解了整体收入下降的情况。截至2019年6月30日的当前财政季度，集团的PBT较低，为138万令吉，而截至2019年3月31日的上一个财政季度为333万令吉，主要归因于收购附属公司产生的一次性费用36万令吉，应收账款减值损失和坏账冲销为52万令吉，银丰承担的项目顾问费为30万令吉，以及本财政季度的审计费拨备为10万令吉。

前景：
集团制定了一系列未来计划，如下：

（i）银丰拟通过部署新的数字EDC终端以扩大其在马来西亚的业务范围，该终端能够接受对其实体店商人的快速响应（“ QR”）付款。于2018年11月8日，集团成功开发了多合一数字支付终端，并将逐步向集团的合作伙伴银行部署新的多合一数字支付终端;

（ii）银丰拟升级和增强其revPAY平台和数据中心，以迎合更大的电子交易量，并招募更多的信息技术人员以支持其产品开发和业务扩展；

（iii）该集团还打算通过进入东盟国家来扩大其地域范围；和

（iv）对Anypay Sd​​n Bhd和Buymall Services Sdn Bhd的收购将使集团能够为客户提供额外的增值服务和解决方案，以补充集团的现有业务。

取决于未来计划以及马来西亚国家银行（“ BNM”）实施的支付卡改革框架（“ PCRF”），以促进更广泛地接受和使用电子支付，并成功开发和部署全功能的数字支付终端，以及银丰为提供补充增值服务和解决方案以补充现有业务而进行的收购，董事会认为，除非有任何不可预见的情况，否则该公司的前景在截至2020年的新财政年度将保持有利。
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James Ng Stock Pick Performance:
Since Recommended Return:

a) FRONTKN (FRONTKEN CORP BHD), recommended on 12 Aug 18, initial price was RM0.715, rose to RM1.76 (dividend RM0.025) in 1 year 1 month 17 days, total return is 149.7%

b) KKB (KKB ENGINEERING BHD), recommended on 1 Jul 18, initial price was RM0.795, rose to RM1.49 (dividend RM0.04) in 1 year 2 months 28 days, total return is 92.5%

c) PRLEXUS (PROLEXUS BHD), recommended on 25 Aug 19, initial price was RM0.455, rose to RM0.80 in 1 month 6 days, total return is 75.8%

d) GBGAQRS (GABUNGAN AQRS BHD), recommended on 16 Dec 18, initial price was RM0.80, rose to RM1.26 in 9 months 16 days, total return is 57.5%

e) PWROOT (POWER ROOT BHD), recommended on 7 Oct 18, initial price was RM1.59, rose to RM2.11 (dividends RM0.083) in 11 months 22 days, total return is 37.9%

f) KGB (KELINGTON GROUP BHD), recommended on 23 Dec 18, initial price was RM0.965, rose to RM1.31 (dividend RM0.018) in 9 months 8 days, total return is 37.6%

g) ELKDESA (ELK-DESA RESOURCES BHD), recommended on 18 Nov 18, initial price was RM1.27, rose to RM1.63 (dividend RM0.07) in 10 months 14 days, total return is 33.9%

h) BAUTO (BERMAZ AUTO BHD), recommended on 14 Oct 18, initial price was RM1.89, rose to RM2.30 (dividend RM0.1875) in 11 months 18 days, total return is 31.6%

i) JAKS (JAKS RESOURCES BHD), recommended on 20 Jan 19, initial price was RM0.575, rose to RM0.755 in 8 months 12 days, total return is 31.3%

j) MI (MI TECHNOVATION BERHAD), recommended on 2 Jun 19, initial price was RM1.67, rose to RM2.16 (dividend RM0.01) in 3 months 27 days, total return is 29.9%

k) PESTECH (PESTECH INTERNATIONAL BHD), recommended on 2 Jun 19, initial price was RM1.04, rose to RM1.22 in 3 months 27 days, total return is 17.3%

l) SERBADK (SERBA DINAMIK HOLDINGS BHD), recommended on 29 Jul 18, initial price was RM3.96, rose to RM4.28 (dividends RM0.111) in 1 Year 2 months 2 days, total return is 10.9%

m) VIZIONE (VIZIONE HOLDINGS BHD), recommended on 30 Dec 18, initial price was RM0.85, rose to RM0.905 in 8 months 29 days, total return is 6.5%

我希望将我的策略分享给读者，希望他们在阅读后能够表现出色。我正在使用基本面分析（Fundamental Analysis）：

预计公司每年的增长率必须> 14％

我想说服读者学习基本面分析FA以便能从股市赚钱。

我为想从马来西亚股票市场赚钱的读者提供STOCK PICK服务。想订阅我的邮件以从股票市场获取良好回报的人，可以通过jamesngshare@gmail.com 或我的FB页面与我联系。

1)【看懂年报和季报】课程:
11a.m. – 7p.m.，免费茶和咖啡

10月19日星期六：Silka Johor Bahru Hotel, Johor Bahru 5份点心

12月22日星期日：AG Hotel Penang, George Town 2份点心

12月29日星期日：Hotel Sri Petaling, KL 3份点心

2)【股票-实际操作班】课程：
10a.m. – 9p.m.，免费午餐和晚餐

10月20日星期日：Silka Johor Bahru Hotel, Johor Bahru

12月21日星期六：AG Hotel Penang, George Town

12月28日星期六：Hotel Sri Petaling, KL

3) 【公司业绩分享会】:
2p.m. – 7p.m.，免费茶和咖啡

10月18日星期五：Silka Johor Bahru Hotel, Johor Bahru 5份点心

12月20日星期五：AG Hotel Penang, George Town 2份点心

12月27日星期五：Hotel Sri Petaling, KL 3份点心

有兴趣的朋友，可以电邮或PM FB page联络我
email：jamesngshare@gmail.com
电话/Whatsapp : 011 - 15852043

Facebook Group: https://www.facebook.com/groups/jamesinvesting

这个是我的TELEGRAM Group链接，大家可以在这个Group获知何时做Fb live: https://t.me/joinchat/LhwHNhdU1fDgxrSafTrTiw

请大家来Follow James的Instagram，获取最新的资讯：jamesnginvest

这个分享纯属讨论以及领域的分析，买或卖自负。请Like和Share这个post。最终决定永远是你的，谢谢。

James Ng
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[REVENUE GROUP BHD: The Group intends to expand its business presence in Malaysia by deploying new digital EDC terminals with capability to accept Quick Respond (“QR”) Payment to its physical store merchants]

4Q19 vs 4Q18:
The Group recorded revenue of RM15.42 million for the current financial quarter ended 30 June 2019 (30 June 2018: RM12.03 million). The Group’s revenue increased by RM3.39 million from RM12.03 million for the financial quarter ended 30 June 2018 to RM15.42 million for the financial quarter ended 30 June 2019.

The higher revenue recorded for the current financial quarter ended 30 June 2019 was mainly attributed to the higher sales of EDC terminals to the Group’s customers, as well the 2 months revenue contribution from the newly acquired subsidiary companies namely Anypay Sdn Bhd and Buymall Services Sdn Bhd.

YTD19 vs YTD18:
For the financial year-to-date, the Group recorded revenue of RM59.36 million (30 June 2018: RM35.36 million). The Group’s revenue increased by RM24.00 million from RM35.36 million for the financial year ended 30 June 2018 to RM59.36 million for the financial year ended 30 June 2019. The higher revenue recorded for the financial year ended 30 June 2019 was mainly attributed to the higher sales of EDC terminals, increase in the rental of EDC terminals and the processing income, as well as the contribution of 2 months revenue from the newly acquired subsidiary companies namely Anypay Sdn Bhd and Buymall Services Sdn Bhd. The Group registered a PBT of RM11.26 million for the current financial year-to-date. The higher PBT achieved for the current financial year-to-date ended 30 June 2019 was mainly driven by the increase in the revenue from the Group’s business activities.

4Q19 vs 3Q19:
The drop of revenue was mitigated by the increase in the revenue for solutions and services arising from the revenue contribution from the newly acquired subsidiaries. For the current financial quarter ended 30 June 2019, the Group recorded a lower PBT of RM1.38 million as compared to RM3.33 million in the immediate preceding financial quarter ended 31 March 2019 mainly attributed to one-off expenses incurred on the acquisition of subsidiaries amounting to RM0.36 million, the impairment losses on receivables and write off of bad debts amounting to RM0.52 million, consultancy fee incurred for projects undertaken by the Group amounting to RM0.30 million, as well as the provision for audit fee amounting to RM0.10 million in the current financial quarter.

Prospects:
The Group has put in place a series of future plans as follows:

(i) The Group intends to expand its business presence in Malaysia by deploying new digital EDC terminals with capability to accept Quick Respond (“QR”) Payment to its physical store merchants. On 8 November 2018, the Group has successfully developed an all-in-one digital payment terminal and will be deploying the new all-in-one digital payment terminal progressively to the Group’s partner banks;

(ii) The Group intends to upgrade and enhance its revPAY platform and the data centre to cater for higher volume of electronic transactions, as well as recruit additional Information Technology (“IT”) personnel to support its product development and business expansion;

(iii) The Group also intends to expand its geographical reach by entering into ASEAN countries; and

(iv) The acquisitions of Anypay Sdn Bhd and Buymall Services Sdn Bhd will enable the Group to provide additional value-added services and solutions to the customers which will complement the Group’s existing business.

Premised on the future plans and with the implementation of the Payment Card Reform Framework (“PCRF”) by Bank Negara Malaysia (“BNM”) to promote wider acceptance and the usage of electronic payments, the successful development and deployment of the all-in-one-digital payment terminal, as well as the acquisitions undertaken by the Group to provide additional valueadded services and solutions to complement the Group’s existing business, the Board of Directors is of the opinion that, barring any unforeseen circumstances, the prospects and outlook of the Group for the new financial year ending 2020 will remain favourable.
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I wish to share my strategy to readers, hope that they can perform well after reading this. I am using Fundamental Analysis:

the forecasted growth of a company must > 14% per year

I wish to convince readers to learn FA in order to make money from stock market.

I am providing STOCK PICK SERVICE for readers who want to make money from Malaysian stock market. Those who want to subscribe to my mailing list to achieve a good return from stock market, you can contact me at jamesngshare@gmail.com or PM me in my FB page.

This sharing is purely a discussion and analysis of the sector, buying or selling at your own risk. Please Like and Share this post. Final decision is always yours, thank you.

James Ng