October 6, 2021

Goldfinch Finance | Модуль 3 | Подсказки для теста

1. Which of the following is not a financial statement?

- Unit Economics

2. Which of the following is not found in the Balance Sheet?

- Operating Cash Flow

3. If a company’s Total Assets = $120,000 and its Total Liabilities = $80,000, what is the Company’s Shareholders Equity?

- $40,000

4. All of the following would be contained in the Financing Cash Flow section of the Cash Flow statement, except:

- Net Income

5. We almost never lend to companies that have which of the following:

- Negative shareholders’ equity

6. A company with negative net income is:

- Loss Making

7. When analysing a Balance Sheet, we like to see all the following, except:

- Negative Retained Earnings

8. If Big Bird Enterprises has Total Revenue of $200,000, and a Total Financial Expense is $350,000, what is Big Bird Enterprises’ Net Financial Income?

- -$150,000

9. Based on your answer to Question 8 above, and assuming the Net Financial Income for Big Bird has remained largely unchanged for 3 years, under what circumstances should we consider lending to Big Bird Enterprises?

- If it has positive unit economics

10. If Eagle Labs did the following last year: - Raised $20M in debt; Paid back $5M in debt; Raised $2M in equity; and Paid no dividends - what was their Total Financing Cash Flow last year?

- $17M

11. Which of the following best describes Unit Economics?

- How much the company makes on each loan

12. If the following is true for Raven Corp., how much money does the company make on a loan?

- -$60

13. Based on your answer to Number 12, under what circumstances should you lend to Raven Corp.?

- If Raven Corp has positive shareholder’s equity

14. Which of the following changes to Raven Corp should make you more likely to lend to them?

- Customer Acquisition Cost decreases to $50

15. Which of the following changes is least likely to improve Raven Corp’s unit economics?

- Giving out more loans

16. A loan portfolio is:

- A record of loans owed to the lender

17. Which of the following best describes cohort analysis:

- Analyzing the portfolio by grouping loans together based on when they were originated

18. What does PAR 30 mean?

- The proportion of the portfolio that is at least 30 days overdue

19. Each of the following can help us understand the growth of a loan portfolio over time, except:

- The weighted average interest earned by the entire portfolio over time

20. When evaluating a portfolio, we are trying to understand which of the following:

- How the portfolio has grown over time

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