Star Navigation Systems Group Ltd (SNAVF): SNA.CA the next micro cap momentum play/...

TrendTrade2016 · 2018-09-16T22:21:31.2800000Z

SNA.CA the next micro cap momentum play/ Shes gonna rock!!

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Proactive - Interviews for investors

How Beforepay’s AI model drives strong returns

Beforepay Group Ltd Finance Manager Shreya Prakash talked with Proactive about the company’s dual focus on domestic consumer lending and enterprise software through its Carrington Labs division. She explained that Beforepay’s core product—a pay advance offering—provides short-term loans with a fixed 5% fee and no hidden costs, aiming to support Australians with transparent and ethical lending. Prakash said, “The most common reason people borrow from us is not because they want to go for a vacation... but to tide them over that short-term cash flow pinch.” She highlighted that this flagship product, launched in 2020, remains central to the business and differentiates itself through its ethical model and efficient cost structure. Carrington Labs, the company’s AI and analytics arm, is productising the risk models that power Beforepay and expanding operations in the US. Prakash noted that the company is writing around 40,000 loans with just 50 staff, underlining a strong operational efficiency. Billy Cheung, also from the finance team, added that Beforepay became profitable in the first half of FY23. He reported revenue approaching A$20 million and net profit of A$2.8 million in H1 FY25. Notably, the company reduced net defaults from around 3% to just 1.1%, attributing this to improved credit risk models. Cheung also mentioned growth in personal loan offerings and continued investment into Carrington Labs. While Beforepay’s main focus remains on the Australian market, the company is actively expanding Carrington Labs internationally, particularly in the US. Visit Proactive’s YouTube channel for more videos, and don’t forget to give the video a like, subscribe to the channel and enable notifications for future content. #Beforepay #ASXB4P #FintechAustralia #EthicalLending #PayAdvance #CarringtonLabs #AIinFinance #ConsumerLending #PersonalFinance #FinancialWellbeing #InvestorUpdate #ProactiveInvestors #FinanceInterview #ASXStocks #FintechNews

Proactive - Interviews for investors

Nevis Brands doubles revenue in 2024, cuts losses & expands in key Markets

Nevis Brands CEO John Kueber joined Steve Darling from Proactive to discuss the company’s financial results for fiscal year 2024 and the fourth quarter ending November 30, 2024. Nevis reported $1.56 million in revenue, more than doubling its 2023 sales as it expanded into new markets and introduced new cannabis products. The company narrowed its net loss to approximately $362,000, down from $400,000 the previous year. When excluding interest, depreciation, and amortization, the adjusted loss was reduced to about $58,000. Nevis maintained its leading position in Washington’s cannabis beverage market and achieved the second-best sales ranking in Missouri within its first year in that state. The company also made significant progress in debt reduction, cutting current liabilities from $1.12 million to about $573,000 through debt payments and restructuring. Looking ahead to 2025, Nevis expects continued growth driven by expanding sales of its Happy Apple and Major brands in the hemp-derived THC beverage market. The company also looking for market re-entry in Ohio and Arizona following previous licensing and market shifts. All this happening while the company focused on licensing established products in key markets. Kueber acknowledged that the fourth quarter was challenging, with revenue declines due to licensing and market shifts in Arizona, Ohio, Oregon, and California. However, growth in New Jersey and Missouri helped offset these declines, and the company remains focused on long-term expansion and profitability. #proactiveinvestors #nevisbrandsinc #cse #nevi #otcqb #nevif #majorbrand #cannabis #CannabisInvesting #THCDrinks #HappyApple #CannabisStocks #HempTHC #CannabisBeverages #InvestorUpdate #JohnKueber #CannabisNews #CannabisRevenue #DebtReduction #ProactiveInvestors

Proactive - Interviews for investors

Inspired PLC CEO Mark Dickinson breaks down FY24 highlights, net zero strategy

Inspired PLC (AIM:INSE) chief executive Mark Dickinson takes Proactive's Stephen Gunnion through the company's 2024 financial results, its ongoing mission to help clients reach net zero, and the outlook for 2025. Dickinson provided an overview of the group’s four complementary divisions: software, assurance, ESG, and optimisation. These work together to help Inspired’s B2B clients manage energy costs, comply with ESG reporting obligations, and implement real carbon reduction strategies. “The backdrop continues to be increasingly favourable for Inspired as we help those clients navigate their way through those challenges,” Dickinson said, citing continuing demand despite lower energy prices. FY24 was a year focused on strengthening the balance sheet. Dickinson said the company eliminated all contingent consideration liabilities, raised capital, and reduced net leverage from 2.59x to 1.47x adjusted EBITDA—giving the business a firmer platform for growth. The company’s non-financial KPIs also moved in a positive direction, with cross-selling increasing and more than 50% of optimisation clients returning for additional services. Inspired is now serving 420 clients with optimisation support. Looking ahead, Dickinson said trading in 2025 started in line with expectations, and the business is progressing well on previously delayed projects. He remains optimistic about the pipeline and demand drivers, particularly in energy conservation, ESG compliance, and net zero support. For more CEO interviews and company updates, visit Proactive's YouTube channel. Don’t forget to like the video, subscribe, and enable notifications so you never miss an update. #InspiredPLC #NetZero #EnergyEfficiency #ESG #CarbonReduction #SustainabilityGoals #CleanEnergy #GreenBusiness #UKStocks #ProactiveInvestors

Proactive - Interviews for investors

European defense spending boom: Key investment opportunities amid global shifts

Jane Edmondson, Head of Index Product Strategy at TMXVettaFi, joined Steve Darling from Proactive to discuss the rapidly evolving global defense landscape and its investment implications. With geopolitical tensions on the rise and shifting defense priorities, investors must navigate new opportunities and risks in the sector. Edmondson highlighted Europe's unprecedented surge in defense spending, a direct response to the U.S. decision to scale back military aid to Ukraine. Central to this shift is the European Union’s €800 billion "Rearm Europe Readiness 2030" initiative, aimed at bolstering military preparedness. This includes substantial investments across key defense technologies and a dedicated €150 billion credit facility to enhance military capabilities. “There’s going to be a lot of spending to come,” Edmondson noted, emphasizing major growth areas such as artificial intelligence, cyber defense, drone technology, and advanced artillery systems. She pointed out that leading European defense firms—including Rheinmetall, BAE Systems, Thales, Dassault, and Leonardo SPA—stand to benefit significantly from this expansion. Additionally, South Korea’s Hanwha Aerospace is emerging as a key player in global defense contracts. In contrast, U.S. defense companies are experiencing headwinds due to budget cuts and canceled procurement deals, leading to a relative downturn in the sector. Another critical shift in global defense procurement is unfolding as traditional U.S. allies reconsider their defense purchases. Canada and Portugal, for instance, are re-evaluating orders for U.S.-made F-35 fighter jets in favor of alternative options, such as aircraft from Dassault Aviation. Edmondson stressed that these geopolitical realignments are creating strong economic tailwinds, particularly for Germany, which is set to invest an estimated €500 billion in defense over the next several years. She cited a recent Goldman Sachs report, which projects that half of this spending will

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