Mondelez

Trade Republic - Round up

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The Trade Republic Round up is a savings function that allows you to invest small amounts automatically.

Each time you make a payment with your Trade Republic card, the amount is rounded up to the next full euro and invested weekly in an ETF or share of your choice.

Depending on your preference, the round up can be operated without a multiplier or times 2, 3x, 5x, 10x.

Case study:

For example, you pay €12.34 at a grocery store with the Trade Republic Debit Card.

With a simple round-up, your cash account is debited with €13 and the difference of €0.66 goes into the round-up pot, where all round-ups from card payments are collected until the following week.

In the following week for the regular savings plan execution, the accumulated amount is then invested in the share or ETF of your choice.

With an active multiplier, the same purchase would have resulted in a savings amount of 2x - € 1.22, 3x € 1.98, 5x € 3.30, 10x € 6.60.

Fun fact:

If a payment is round, for example €2.00, it is rounded or multiplied by 1 whole euro. So a coffee at McDonald's Austria with 10x round up, which I treat myself to at most once a week (sometimes maybe twice), costs me €12.00 instead of €2.00. 🤪

My personal opinion:

I love the round up feature. Especially with the tenfold multiplier, it just adds up. High double-digit and small three-digit amounts are absolutely realistic, depending on how the cards are used.

Because daily spending and consumption seem to cost me more and sometimes much more (McDonald's, for example), I think more carefully about whether a purchase is really necessary and consume more consciously overall. At the same time, I'm getting used to a higher price level in the future, which helps me to manage money better in the long term.

Another small advantage is that the round up can be processed longer and more often than savings plans. I'm not sure, but I think the round up can even be edited on the day of execution. In any case, it can still be edited the day before, when savings plans can no longer be edited "long ago", and it can also be edited every week, whereas with savings plans it is only possible to create or adjust them every two weeks.

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Now it's up to you: 🧐

I still have my 10x round up for tomorrow.

My idea this time would be to simply put it into one of the stocks where I'm the deepest in the red.

That could be, for example:

$VKTX (+1,66 %) -17%

$OXY (+2,03 %) -7%

$MDLZ (+0,96 %) -6%

(You are also welcome to recommend other stocks from my portfolio).

Would you simply take the stocks with the biggest losses or would you give priority to another one?

Or would you take a completely different approach? (ETFs don't make sense this week, as savings plans are already in place)

Coffee is the world's second most traded commodity after oil

100 million people live from coffee and for many countries it is the most important source of income. Be it through the cultivation, processing or distribution of coffee.

Coffee. The black gold of the 21st century. A market that sounds so boring. And at the same time growing so strongly.

And yet, in contrast to oil stocks, coffee stocks can hardly benefit.

$MDLZ (+0,96 %)
$NSRGY (-1,21 %)
$SBUX (+2,42 %)

The coffee plant has powerful enemies in the wild. Mealybugs, borer beetles, leaf blight and tree cancer can destroy entire plantations in a very short time. Due to the changing global climate, the plants must also become more robust - heat, heavy rain and drought in rapid succession would quickly put an end to the traditional coffee varieties. Thanks to the acquisition of Monsanto, Bayer is able to meet this challenge on many levels.

$BAYN (-0,14 %)

Many specialty coffees are already treated with aromas in advance. This makes it possible to give a natural product, which is subject to fluctuations in taste due to climate and origin, a consistent quality.

The absolute top dog among flavor manufacturers, with a market share of 20%, comes from Switzerland and is called Givaudan. The German manufacturer Symrise is in 4th place with a market share of around 12%.

$SY1 (+0,82 %)
$GIVN (+1,93 %)

De'Longhi machines are particularly popular due to their high reliability and attractive appearance. The simpler models start at around EUR 100 and are fed with Nespresso capsules from Nestlé.

The high-end machines have a grinder that freshly grinds the roasted beans and turns them into "espresso" or "Americano" at high pressure.

$DLG (-0,75 %)
$PHIA (+0,84 %)

https://fitneo.de/kaffee/

$MDLZ (+0,96 %) Stability is clearly recognizable here 💪

Strong figures🚀

Forecasts exceeded 🚀

Do you have Mondelez in your portfolio?

Mondelez International beat Wall Street sales expectations for the third quarter on Tuesday, as the Cadbury parent's efforts to offer its products at different price points led to a sequential improvement in sales volume.

The company reported net sales of $9.20 billion for the quarter, compared with analysts' average estimates of $9.11 billion, according to data compiled by LSEG

$MDLZ (+0,96 %) Stability is clearly recognizable here 💪

Strong figures🚀

Forecasts exceeded 🚀

Do you have Mondelez in your portfolio?

Mondelez International beat Wall Street sales expectations for the third quarter on Tuesday, as the Cadbury parent's efforts to offer its products at different price points led to a sequential improvement in sales volume.

The company reported net sales of $9.20 billion for the quarter, compared with analysts' average estimates of $9.11 billion, according to data compiled by LSEG.

Aftermarket after quarterly figures

+17% Reddit $RDDT

+5% Snap $SNAP (+0,99 %)

+4% Alphabet $GOOGL (-5,23 %)
$GOOGL (-5,23 %)

+4% Stryker $SYK (+1,66 %)

+2% Visa $V (+1,31 %)

+1% Unum $UNM (+4,67 %)

+0% Chubb $8240

+0% Mondelez $MDLZ (+0,96 %)

-2% Chipotle Mexican Grill $CMG (+2,69 %)

-3% Caesars Entertainment $CZR (+1,52 %)

-3% First Solar $FSLR (-0,62 %)

-7% AMD $AMD (+0,64 %)

-15% Qorvo $QRVO (+4,05 %)

#aktien
#börse
#quartalszahlen
#earnings
#wallstreet

Mondelez Q3 2024 $MDLZ (+0,96 %)

Financial performance: The company reported an increase in net sales of USD 175 million (1.9%) to USD 9,204 million in the third quarter of 2024. Organic net sales recorded a more significant increase of USD 474 million (5.4%) to USD 9,324 million. However, the operating result fell by USD 226 million (16.4%) to USD 1,153 million.

Balance sheet analysis: Total debt amounted to USD 19.8 billion as at September 30, 2024, a slight increase from USD 19.4 billion at the end of 2023. The debt-to-equity ratio was 0.42, which indicates a stable level of debt.

Income statement: Net earnings attributable to Mondelēz International decreased by USD 131 million (13.3%) to USD 853 million. Diluted earnings per share also decreased by USD 0.09 (12.5%) to USD 0.63.

Cash flow analysis: Net cash from operating activities increased to USD 3,451 million for the nine months ended September 30, 2024, compared to USD 3,150 million for the same period in 2023. The company also paid dividends of USD 1,722 million in the first nine months of 2024, compared to USD 1,581 million in the same period in 2023.

Key ratios and profitability: The company's debt-to-equity ratio was 0.42 as of September 30, 2024, and the operating income margin decreased, reflecting the decline in operating income.

Segment analysis: The operating result varied across the different regions, with Europe and North America making significant contributions. Europe reported a segmental operating income of USD 605 million, while North America reported USD 918 million.

Competitive analysis: The company faces competition and pricing pressures that impact its financial performance. The divestment of the chewing gum business in developed markets also impacted net sales.

Forecasts and management comments: The company is focused on delivering profitable, long-term growth using key operating metrics such as organic net sales, adjusted operating profit and adjusted earnings per share. However, the outlook remains cautious due to macroeconomic uncertainties and commodity price pressures.

Risks and opportunities: Key risks include geopolitical uncertainties, commodity price volatility and currency exchange rate fluctuations. Opportunities lie in exploiting the regional operating scale and pursuing growth opportunities in key markets.

Summary and strategic implications: The company is navigating a challenging environment where macroeconomic pressures and competitive dynamics are impacting financial performance. Although sales growth is positive, profitability ratios have deteriorated. A strategic focus on cost control, price adjustments and regional growth opportunities will be critical to improve financial results. The company's ability to manage raw material costs and currency impacts will also be critical to maintaining profitability.

Positive statements:

• Net sales increased by USD 175 million (1.9%) to USD 9,204 million in the third quarter of 2024, while organic net sales increased by USD 474 million (5.4%) to USD 9,324 million.
• Net sales in developed markets increased by 3.1% and organic net sales in developed markets increased by 5.6%.
• The company repurchased approximately 17 million shares at an average price of USD 70.09 per share, totaling approximately USD 1.2 billion during the nine months ended September 30, 2024.
• Net cash provided by operating activities increased to USD 3,451 million for the nine months ended September 30, 2024, compared to USD 3,150 million for the same period in 2023.
• The company has approximately USD 3.2 billion of remaining share repurchase capacity as of September 30, 2024.

Negative statements:

• Operating income decreased by USD 226 million (16.4%) to USD 1,153 million for the three months ended September 30, 2024.
• Net earnings attributable to Mondelēz International decreased by USD 131 million (13.3%) to USD 853 million.
• Diluted earnings per share attributable to Mondelēz International decreased by USD 0.09 (12.5%) to USD 0.63.
• The impact of the sale of the chewing gum business in developed markets in 2023 resulted in a year-on-year decrease in net sales of USD 179 million in the third quarter of 2024.
• Currency-related items reduced net sales by USD 120 million due to unfavorable changes in currency exchange rates.

$MDLZ (+0,96 %) today with Q figures 🙋‍♂️🤗

What do you think the figures will be?

No fight without a chomp. 😋🍫

When are opportunity costs, opportunity costs?

$NOVO B (-2,54 %) -10% in the securities account 🥹

$ASML (+3,19 %) -11%

$MDLZ (+0,96 %) -2,4%

$COKE (+0,85 %) -5%

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I've been asking myself for a few hours now.

When are opportunity costs, opportunity costs? When does it make sense to hold a loser in the portfolio?

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The second question is "easier" to answer than the first (especially with hindsight 😜)

If, for example, a good company like $MCD (-0,18 %) is punished by the stock market due to bad bacteria in the dip (panic selling), in my opinion it is worth holding and possibly buying the dip.

If a solid company has short-term problems but nothing has deteriorated fundamentally or in terms of future prospects, it is worthwhile in my opinion.

In other words, it might be worth holding a share despite falling prices if it:

-has strong fundamentals solid financial ratios, low debt and sales growth.

-Positive long-term prospectspositive long-term prospects, for example companies with a clear competitive advantage, a moat, profiteers from trends, a well-filled order book

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temporary market or sector problemstemporary market or sector problems, for example, when share price losses are caused more by external factors or sector-specific problems that affect the company itself less. Such factors often lead to overreactions.

- Confidence in the management/strategy, "Good morning Elon 🚀" Joking aside, good management with a good strategy can also overcome major crises.

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Do one or more of the above points apply to my positions in the minus?

Yes. Will they therefore all recover and provide high returns? Maybe, but probably not. Fifty Fifty.