Finelo Blog
Learn investing and trading, one article at a time. Practical guides, beginner-friendly explainers, and learning tips from the Finelo team.
Understanding Days Sales Outstanding (DSO)
Days sales outstanding (DSO) measures how many days, on average, a company takes to collect cash after making a credit sale: (accounts receivable ÷ total credit sales) × number of days in the period. A company with $1.2…
Treasury Bills vs Notes vs Bonds: Differences, Yields, and How to Choose
The comparison of treasury bills vs notes vs bonds comes down to one variable: time. Treasury bills mature in a year or less and are sold at a discount instead of paying interest; Treasury notes run two to ten years and…
Time-Weighted vs Money-Weighted Returns: What Each One Measures
Time-weighted return (TWR) measures how well the investments themselves performed, stripping out the effect of deposits and withdrawals. Money-weighted return (MWR) measures how well your actual dollars did, including…
The Stochastic Oscillator: A Key Tool for Traders
The stochastic oscillator is a momentum indicator that compares where a price closed relative to its high-low range over a lookback period, usually 14 bars. It prints two lines, %K and %D, on a scale from 0 to 100;…
The Head and Shoulders Pattern: Identification, Trading Strategies, and Insights
The head and shoulders pattern is a chart formation with three peaks - a higher middle peak (the head) between two lower peaks (the shoulders) - that many technical traders read as a signal that an uptrend may be…
The Efficient Frontier: Expected Return for a Given Level of Risk
The efficient frontier is the curve on a risk-return chart that shows the set of portfolios offering the highest expected return for each level of risk. Any portfolio below the curve leaves return on the table; nothing…
The Average True Range Indicator: A Key Tool for Traders
The average true range indicator (ATR) measures volatility: it tells you how much a market typically moves over a chosen period, usually 14 bars. It does not predict direction. Traders use the ATR to size positions,…
Tangible Book Value Per Share: Adjustments and Bank Analysis
This article is about tangible book value per share (TBVPS), not another basic BVPS definition. A common starting point is common shareholders' equity minus goodwill, identifiable intangible assets, and preferred equity…
Strait of Hormuz Talks Move Oil Prices: How De-Escalation Reprices Markets
Talks over the Strait of Hormuz pushed Brent crude sharply lower before uncertainty returned. Here's how geopolitical risk premiums reach inflation and rates.
SPAC Warrant Checklist: Redemption, Cashless Exercise, and Dilution
This guide is for investors reading a specific SPAC or de-SPAC warrant agreement. It does not duplicate a general “what is a warrant?” explainer. Warrant economics depend on the filed agreement, amendments, registration…
SMA vs EMA: A Detailed Comparison of Moving Averages
The short answer: a simple moving average (SMA) weights every price in its lookback window equally, while an exponential moving average (EMA) gives more weight to recent prices, so the EMA reacts faster to new moves and…
Return on Assets (ROA): Formula, Interpretation, and Limitations
Return on assets compares period net income with average total assets over the same period. A company earning $50 million on $1 billion of average assets has a 5% ROA. The ratio is an accounting return measure, not proof…
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