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SmartHeat Inc. (HEAT) Message Board

ramimd 431 posts  |  Last Activity: 10 hours ago Member since: Jan 16, 2009
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  • Cooperman thought $250 million in income on $800 million in Revenue for 2018 was very reasonable for its mobile banking operations. That puts it at a PE of 3.5 at current market cap.

    Too much speculation being thrown around. Stick to the basics. Institutions who missed it the first time are getting a beautiful entry point.

  • Sticking to the core business of Mobile Banking. We went for overly optimistic speculation to overly pessimistic speculation. Revenue of 200 million this year and 300 million next year. An actual PE ratio is right around the corner. With a PE of 23, it suddenly doesn't look so expensive....

    Been there before. I bought Sirius at 20 cents, rode it down to 5 cents and held on because of its fundamentals till over $3. Not happy to be down, but I continue to eye the fundamentals.

    There's always tomorrow.

  • Reply to

    Blood on the streets....

    by ramimd Sep 18, 2014 11:07 AM
    ramimd ramimd Sep 18, 2014 11:40 AM Flag

    I have been buying and I am down significantly. While the news today is negative it has not changed the core revenue generation process for the company. Mobile banking is the core avenue to $800 million in revenue and that just picked up a big contract. Of course, I wish I started buying at 45 cents but you can look at this as either 1) The company is folding or 2) A huge sale. I do not feel that the company is folding.


  • Yes, blood on the streets. Sell now and think later mentality. Core business is mobile banking. 200 million in revenue in current year. Just landed a big contract. Current year P/S now under 4.5. Visa has nothing to do with the core business. IBM has the revenue generating potential with recent contract. Needs to make 1 cents/share in 2016 to be attractive. $20 million proft on 300 million in sales.

    Unfortunately has been more painful than expected - but will get there. Added HUGE under 45 cents.

    Good luck

  • Ouch - well that hurt. Congratulations shorts - couldn't have asked for more to trigger emotional selling. Well at least it explains the price action response to the good news we have had over the past couple months. Mobile Banking numbers stay intact and now it sits at a forward P/S of 4. Potential Visa revenue was not part of my projections. I stand by $1.05 (64 pence) in 1 year.

    Could this be opening up the door to an IBM takeover?

  • RELAX and let the contracts and evolution play out. The infrastructure is built. The customers are happy. Its a win/win solution for banks and Monitise.... now more people need to sign up for mobile banking and mobile payment....the process is gradual over several years.

    This is Social Media 6-8 years ago. Lots of people wrote it off then.


  • Reply to

    Where we are

    by ramimd Sep 16, 2014 5:23 AM
    ramimd ramimd Sep 16, 2014 6:24 AM Flag

    I see the low end of revenue for 2015 being $200 million. Should be at P/S of 10 then at the low end (as it will be entering hyper growth phase of 2016). Conservative estimate that it will be trading at $1.05 this time next year - how we get there could be a bumpy ride....lots of 5% up and down days.

    Now we wait for the next announcement

  • ramimd by ramimd Sep 16, 2014 5:23 AM Flag

    We are battling between those frustrated with lack of immediate delivery of revenue and those believing in the longer term future potential. Earnings didn't help as revenue on lower end of forecast but also made a case for continued high potential with Santander and Mastercard further entering the scene.

    At this point, we need institutional buying to drive us higher. The Mastercard announcement may help. I still think the Santander announcement is not getting enough attention. This will be a huge life to the user base over the next 48 months.

    Easy time to walk out frustrated. But be patient because we are early in the monetization process of its network. We are still in the investment/relationship building phase preparing for 2016-2019.


  • One of the biggest announcements to date out of Monitise with the Santader deal and London may not trade 10 million shares. Potential of adding 20 million accounts on Monitise network in the next 2 years from that deal.

    Will see what the soon to be announce Mastercard deal brings.

    Accumulate while you can.

  • New Santander partnership and upcoming deals with Mastercard add to the positive news.

    Think long...ignore the noise.

    Today's announcement reinforces my projection - will be trading at over $3.50 in 5 years.


  • Reply to

    My Take....

    by ramimd Sep 11, 2014 8:22 PM
    ramimd ramimd Sep 12, 2014 8:46 AM Flag

    Lots of short-term excitement in both directions here......overreaction in either direction on 1-day moves get you nowhere....

  • ramimd by ramimd Sep 11, 2014 8:22 PM Flag

    People need to relax. This is not a GE or Exxon. This is a $1 billion market cap that has contracts with numerous companies 50-100 times its size. If they play out well the rewards can be massive. They are in the right place, in the right time. These smaller, high potential plays move 5% on no news and 30%+ on the right news. The news flow while positive has been non-specific. No need to get overly excited or overly pessimistic. Wait and see how the contracts play out. You can't enter an investment like this and expect to triple your money if you're not willing to take a 30% loss along the way.

    Even the Facebooks of this world dropped more than 50% while trying to prove themselves early on in the monetization process. Good luck timing them perfectly.

    Relax, be patient and let the catalysts play out.

    Yes, I first entered at 1.04 and at 90 cents started claiming this was a great buy. I continue to buy at lower prices. I am down but it is not the end of the world. The potential of Monitise with its newer partnerships has actually even increased as I have accumulated.

    Call me what you want. But I have done my work and have stuck my own money behind my conviction.


  • ramimd ramimd Sep 11, 2014 3:56 PM Flag

    Really - why did Visa drop over $200 into this. And increased its investment just a few months ago....
    What did they have to gain?

  • ramimd ramimd Sep 11, 2014 3:42 PM Flag

    don't forget that US Bank allowed it to develop its innovative PERI system for no reason.....

  • Afterall, what do they know about payments???

  • This is a $1 billion cap with alot of short-term traders. The big movements of 50% will be based on fundamental changes. Otherwise the 5 cents up and down are short-term gambles. Hold your shares and be patient for the catalysts to arrive.


  • Reply to

    Something is wrong

    by hld321 Sep 11, 2014 6:07 AM
    ramimd ramimd Sep 11, 2014 9:29 AM Flag

    Again, NOTHING is wrong. This is a volatile $1 billion market cap stop waiting for its catalyst.

  • Reply to

    Something is wrong

    by hld321 Sep 11, 2014 6:07 AM
    ramimd ramimd Sep 11, 2014 6:23 AM Flag

    Nothing is wrong. Shorts getting greedy while longs wait for the catalysts to come in. This is when you step back and give it a little time. Nothing has changed in the potential and news flow has been positive over the past week.


  • So many are getting frustrated too quickly....this moves 5% with no news.....gotta let the fundamentals come in.
    Let the catalysts declare themselves. Smart money is buying as shorts are pounding and longs are getting inpatient. I am holding .1% of the float and waiting.....I am in no rush.
    Again, I will remind you once this fog lifts and the surge in the stock price arrives. 3 months of a short raid does not determine the success of a company in the midst of mobile payment evolution.

  • CATALYSTS very close

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