Intrinsic value of J.C. Penney - JCP

Previous Close

$2.50

  Intrinsic Value

$2.14

stock screener

  Rating & Target

hold

-14%

Previous close

$2.50

 
Intrinsic value

$2.14

 
Up/down potential

-14%

 
Rating

hold

We calculate the intrinsic value of JCP stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2018), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 0.8

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046
   2047
   2048

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  2.00
  2.30
  2.57
  2.81
  3.03
  3.23
  3.41
  3.57
  3.71
  3.84
  3.95
  4.06
  4.15
  4.24
  4.31
  4.38
  4.44
  4.50
  4.55
  4.59
  4.64
  4.67
  4.70
  4.73
  4.76
  4.78
  4.81
  4.83
  4.84
  4.86
Revenue, $m
  12,756
  13,050
  13,385
  13,761
  14,179
  14,636
  15,135
  15,674
  16,256
  16,880
  17,547
  18,259
  19,017
  19,823
  20,678
  21,585
  22,544
  23,558
  24,630
  25,762
  26,956
  28,215
  29,543
  30,941
  32,414
  33,965
  35,597
  37,315
  39,122
  41,023
Variable operating expenses, $m
  12,348
  12,632
  12,957
  13,321
  13,725
  14,168
  14,651
  15,173
  15,736
  16,339
  16,985
  17,675
  18,409
  19,189
  20,017
  20,894
  21,822
  22,804
  23,842
  24,937
  26,093
  27,312
  28,597
  29,951
  31,377
  32,878
  34,458
  36,121
  37,870
  39,710
Fixed operating expenses, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total operating expenses, $m
  12,348
  12,632
  12,957
  13,321
  13,725
  14,168
  14,651
  15,173
  15,736
  16,339
  16,985
  17,675
  18,409
  19,189
  20,017
  20,894
  21,822
  22,804
  23,842
  24,937
  26,093
  27,312
  28,597
  29,951
  31,377
  32,878
  34,458
  36,121
  37,870
  39,710
Operating income, $m
  408
  418
  428
  440
  454
  468
  484
  502
  520
  540
  562
  584
  609
  634
  662
  691
  721
  754
  788
  824
  863
  903
  945
  990
  1,037
  1,087
  1,139
  1,194
  1,252
  1,313
EBITDA, $m
  861
  881
  903
  929
  957
  988
  1,022
  1,058
  1,097
  1,139
  1,184
  1,232
  1,284
  1,338
  1,396
  1,457
  1,522
  1,590
  1,663
  1,739
  1,820
  1,905
  1,994
  2,089
  2,188
  2,293
  2,403
  2,519
  2,641
  2,769
Interest expense (income), $m
  0
  305
  315
  326
  340
  355
  372
  391
  411
  433
  456
  482
  509
  537
  568
  601
  635
  672
  711
  752
  795
  841
  889
  940
  994
  1,051
  1,110
  1,173
  1,239
  1,309
  1,382
Earnings before tax, $m
  103
  103
  102
  100
  98
  96
  94
  91
  87
  84
  80
  76
  71
  66
  61
  55
  49
  43
  36
  29
  22
  13
  5
  -4
  -13
  -23
  -34
  -45
  -57
  -69
Tax expense, $m
  28
  28
  27
  27
  27
  26
  25
  24
  24
  23
  22
  20
  19
  18
  16
  15
  13
  12
  10
  8
  6
  4
  1
  0
  0
  0
  0
  0
  0
  0
Net income, $m
  76
  75
  74
  73
  72
  70
  68
  66
  64
  61
  58
  55
  52
  48
  45
  40
  36
  31
  26
  21
  16
  10
  4
  -4
  -13
  -23
  -34
  -45
  -57
  -69

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  8,578
  8,776
  9,001
  9,254
  9,535
  9,843
  10,178
  10,541
  10,932
  11,351
  11,800
  12,279
  12,789
  13,331
  13,906
  14,515
  15,161
  15,843
  16,564
  17,325
  18,128
  18,975
  19,867
  20,808
  21,798
  22,841
  23,939
  25,094
  26,310
  27,588
Adjusted assets (=assets-cash), $m
  8,578
  8,776
  9,001
  9,254
  9,535
  9,843
  10,178
  10,541
  10,932
  11,351
  11,800
  12,279
  12,789
  13,331
  13,906
  14,515
  15,161
  15,843
  16,564
  17,325
  18,128
  18,975
  19,867
  20,808
  21,798
  22,841
  23,939
  25,094
  26,310
  27,588
Revenue / Adjusted assets
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
  1.487
Average production assets, $m
  4,528
  4,633
  4,752
  4,885
  5,033
  5,196
  5,373
  5,564
  5,771
  5,992
  6,229
  6,482
  6,751
  7,037
  7,341
  7,663
  8,003
  8,363
  8,744
  9,145
  9,569
  10,016
  10,488
  10,984
  11,507
  12,058
  12,637
  13,247
  13,888
  14,563
Working capital, $m
  689
  705
  723
  743
  766
  790
  817
  846
  878
  911
  948
  986
  1,027
  1,070
  1,117
  1,166
  1,217
  1,272
  1,330
  1,391
  1,456
  1,524
  1,595
  1,671
  1,750
  1,834
  1,922
  2,015
  2,113
  2,215
Total debt, $m
  4,370
  4,535
  4,723
  4,935
  5,169
  5,427
  5,707
  6,010
  6,337
  6,688
  7,063
  7,463
  7,890
  8,343
  8,823
  9,333
  9,872
  10,443
  11,045
  11,681
  12,353
  13,061
  13,807
  14,593
  15,421
  16,293
  17,211
  18,177
  19,193
  20,261
Total liabilities, $m
  7,172
  7,337
  7,525
  7,737
  7,971
  8,229
  8,509
  8,812
  9,139
  9,490
  9,865
  10,265
  10,692
  11,145
  11,625
  12,135
  12,674
  13,245
  13,847
  14,483
  15,155
  15,863
  16,609
  17,395
  18,223
  19,095
  20,013
  20,979
  21,995
  23,063
Total equity, $m
  1,407
  1,439
  1,476
  1,518
  1,564
  1,614
  1,669
  1,729
  1,793
  1,862
  1,935
  2,014
  2,097
  2,186
  2,281
  2,381
  2,486
  2,598
  2,716
  2,841
  2,973
  3,112
  3,258
  3,412
  3,575
  3,746
  3,926
  4,115
  4,315
  4,524
Total liabilities and equity, $m
  8,579
  8,776
  9,001
  9,255
  9,535
  9,843
  10,178
  10,541
  10,932
  11,352
  11,800
  12,279
  12,789
  13,331
  13,906
  14,516
  15,160
  15,843
  16,563
  17,324
  18,128
  18,975
  19,867
  20,807
  21,798
  22,841
  23,939
  25,094
  26,310
  27,587
Debt-to-equity ratio
  3.110
  3.150
  3.200
  3.250
  3.310
  3.360
  3.420
  3.480
  3.530
  3.590
  3.650
  3.710
  3.760
  3.820
  3.870
  3.920
  3.970
  4.020
  4.070
  4.110
  4.160
  4.200
  4.240
  4.280
  4.310
  4.350
  4.380
  4.420
  4.450
  4.480
Adjusted equity ratio
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164
  0.164

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  76
  75
  74
  73
  72
  70
  68
  66
  64
  61
  58
  55
  52
  48
  45
  40
  36
  31
  26
  21
  16
  10
  4
  -4
  -13
  -23
  -34
  -45
  -57
  -69
Depreciation, amort., depletion, $m
  453
  463
  475
  489
  503
  520
  537
  556
  577
  599
  623
  648
  675
  704
  734
  766
  800
  836
  874
  915
  957
  1,002
  1,049
  1,098
  1,151
  1,206
  1,264
  1,325
  1,389
  1,456
Funds from operations, $m
  528
  538
  550
  562
  575
  590
  606
  623
  641
  660
  681
  704
  727
  752
  779
  807
  836
  868
  901
  936
  973
  1,011
  1,052
  1,094
  1,137
  1,182
  1,230
  1,280
  1,332
  1,387
Change in working capital, $m
  14
  16
  18
  20
  23
  25
  27
  29
  31
  34
  36
  38
  41
  44
  46
  49
  52
  55
  58
  61
  64
  68
  72
  76
  80
  84
  88
  93
  98
  103
Cash from operations, $m
  515
  523
  531
  541
  553
  565
  579
  594
  610
  627
  645
  665
  686
  709
  732
  758
  785
  813
  843
  875
  908
  943
  981
  1,019
  1,058
  1,099
  1,142
  1,187
  1,234
  1,285
Maintenance CAPEX, $m
  -444
  -453
  -463
  -475
  -489
  -503
  -520
  -537
  -556
  -577
  -599
  -623
  -648
  -675
  -704
  -734
  -766
  -800
  -836
  -874
  -915
  -957
  -1,002
  -1,049
  -1,098
  -1,151
  -1,206
  -1,264
  -1,325
  -1,389
New CAPEX, $m
  -88
  -104
  -119
  -134
  -148
  -163
  -177
  -192
  -206
  -221
  -237
  -253
  -269
  -286
  -304
  -322
  -341
  -360
  -380
  -402
  -424
  -447
  -471
  -496
  -523
  -551
  -580
  -610
  -642
  -675
Cash from investing activities, $m
  -532
  -557
  -582
  -609
  -637
  -666
  -697
  -729
  -762
  -798
  -836
  -876
  -917
  -961
  -1,008
  -1,056
  -1,107
  -1,160
  -1,216
  -1,276
  -1,339
  -1,404
  -1,473
  -1,545
  -1,621
  -1,702
  -1,786
  -1,874
  -1,967
  -2,064
Free cash flow, $m
  -18
  -34
  -51
  -67
  -84
  -101
  -118
  -135
  -153
  -172
  -191
  -211
  -231
  -253
  -275
  -298
  -322
  -347
  -374
  -401
  -430
  -461
  -492
  -526
  -564
  -603
  -644
  -687
  -732
  -779
Issuance/(repayment) of debt, $m
  138
  165
  189
  212
  235
  257
  280
  303
  327
  351
  375
  400
  426
  453
  481
  509
  539
  570
  603
  636
  671
  708
  746
  786
  828
  872
  918
  966
  1,016
  1,069
Issuance/(repurchase) of shares, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  8
  15
  23
  32
  40
  50
  59
  70
  80
  92
  104
  116
  129
  143
  158
  176
  195
  214
  235
  256
  279
Cash from financing (excl. dividends), $m  
  138
  165
  189
  212
  235
  257
  280
  303
  327
  359
  390
  423
  458
  493
  531
  568
  609
  650
  695
  740
  787
  837
  889
  944
  1,004
  1,067
  1,132
  1,201
  1,272
  1,348
Total cash flow (excl. dividends), $m
  120
  131
  138
  144
  151
  157
  162
  168
  174
  187
  200
  213
  227
  241
  256
  271
  287
  303
  320
  338
  357
  377
  397
  418
  440
  464
  488
  514
  540
  568
Retained Cash Flow (-), $m
  -28
  -32
  -37
  -42
  -46
  -50
  -55
  -60
  -64
  -69
  -74
  -79
  -84
  -89
  -94
  -100
  -106
  -112
  -118
  -125
  -132
  -139
  -146
  -158
  -176
  -195
  -214
  -235
  -256
  -279
Prev. year cash balance distribution, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  25
  26
  26
  27
  28
  28
  29
  30
  31
  33
  34
  35
  37
  38
  40
  41
  43
  45
  47
  49
  52
  54
  56
  59
  62
  65
  68
  71
  75
  78
Cash available for distribution, $m
  92
  98
  101
  103
  105
  106
  107
  109
  110
  118
  126
  134
  143
  152
  161
  171
  181
  191
  202
  214
  225
  238
  250
  260
  265
  269
  274
  279
  284
  290
Discount rate, %
  9.90
  10.40
  10.91
  11.46
  12.03
  12.64
  13.27
  13.93
  14.63
  15.36
  16.13
  16.93
  17.78
  18.67
  19.60
  20.58
  21.61
  22.69
  23.83
  25.02
  26.27
  27.58
  28.96
  30.41
  31.93
  33.52
  35.20
  36.96
  38.81
  40.75
PV of cash for distribution, $m
  84
  81
  74
  67
  59
  52
  45
  38
  32
  28
  24
  21
  17
  14
  11
  9
  7
  5
  3
  2
  2
  1
  1
  0
  0
  0
  0
  0
  0
  0
Current shareholders' claim on cash, %
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  99.4
  98.2
  96.6
  94.5
  91.9
  89.0
  85.8
  82.4
  78.7
  75.0
  71.1
  67.2
  63.2
  59.4
  55.5
  51.7
  48.0
  44.4
  40.9
  37.5
  34.4

J. C. Penney Company, Inc. is a holding company. The Company's business consists of selling merchandise and services to consumers through its department stores and its Website at jcpenney.com. Its department stores and Website generally serve the same type of customers, its Website offers virtually the same mix of merchandise as its store assortment and other categories, and its department stores generally accept returns from sales made in stores and through its Website. It fulfills online customer purchases by direct shipment to the customer from its distribution facilities and stores or from its suppliers' warehouses and by in store customer pick up. The Company sells family apparel and footwear, accessories, fine and fashion jewelry, beauty products through Sephora inside JCPenney, home furnishings and appliances. In addition, its department stores provide its customers with services, such as styling salon, optical, portrait photography and custom decorating.

FINANCIAL RATIOS  of  J.C. Penney (JCP)

Valuation Ratios
P/E Ratio 770.8
Price to Sales 0.1
Price to Book 0.6
Price to Tangible Book
Price to Cash Flow 2.3
Price to Free Cash Flow -8.3
Growth Rates
Sales Growth Rate -0.6%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate 33.4%
Cap. Spend. - 3 Yr. Gr. Rate -14.8%
Financial Strength
Quick Ratio 3
Current Ratio 0
LT Debt to Equity 336.6%
Total Debt to Equity 357.2%
Interest Coverage 0
Management Effectiveness
Return On Assets 0%
Ret/ On Assets - 3 Yr. Avg. -3.9%
Return On Total Capital 0%
Ret/ On T. Cap. - 3 Yr. Avg. -5.6%
Return On Equity 0.1%
Return On Equity - 3 Yr. Avg. -20.1%
Asset Turnover 1.4
Profitability Ratios
Gross Margin 35.7%
Gross Margin - 3 Yr. Avg. 35.5%
EBITDA Margin 4.9%
EBITDA Margin - 3 Yr. Avg. 1.7%
Operating Margin 2.9%
Oper. Margin - 3 Yr. Avg. -0.1%
Pre-Tax Margin 0%
Pre-Tax Margin - 3 Yr. Avg. -3.2%
Net Profit Margin 0%
Net Profit Margin - 3 Yr. Avg. -3.3%
Effective Tax Rate 50%
Eff/ Tax Rate - 3 Yr. Avg. 15%
Payout Ratio 0%

JCP stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the JCP stock intrinsic value calculation we used $12506 million for the last fiscal year's total revenue generated by J.C. Penney. The default revenue input number comes from 2018 income statement of J.C. Penney. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our JCP stock valuation model: a) initial revenue growth rate of 2% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 9.9%, whose default value for JCP is calculated based on our internal credit rating of J.C. Penney, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of J.C. Penney.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of JCP stock the variable cost ratio is equal to 96.8%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for JCP stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 7.2% for J.C. Penney.

Corporate tax rate of 27% is the nominal tax rate for J.C. Penney. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the JCP stock is equal to 0.2%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for JCP are equal to 35.5%.

Life of production assets of 10 years is the average useful life of capital assets used in J.C. Penney operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for JCP is equal to 5.4%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $1379 million for J.C. Penney - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 311 million for J.C. Penney is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of J.C. Penney at the current share price and the inputted number of shares is $0.8 billion.

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COMPANY NEWS

▶ First Order of Business for Lowe's New CEO: Clean House   [Jul-21-18 11:55AM  Motley Fool]
▶ J.C. Penney's New Brooklyn Store Is an Interesting Move   [Jul-16-18 09:10PM  Motley Fool]
▶ Better Buy: J.C. Penney vs. Kohl's   [Jul-13-18 08:15PM  Motley Fool]
▶ 2 Terrible Stocks I'd Avoid   [07:40AM  Motley Fool]
▶ New Lowes CEO repeats J.C. Penney shake-up, but quicker   [Jul-10-18 01:13PM  American City Business Journals]
▶ J.C. Penney to open new Brooklyn store   [09:36AM  MarketWatch]
▶ JCPenney Debuts Second Brooklyn Store   [09:02AM  GlobeNewswire]
▶ Amazons Prime Day to Hit Retailers Back-to-School Efforts   [Jul-06-18 01:25PM  InvestorPlace]
▶ Yahoo Finance Live: Market Movers - Jul 3rd, 2018   [07:20AM  Yahoo Finance Video]
▶ What Is Lori Greiner's Net Worth?   [Jun-30-18 06:47AM  TheStreet.com]
▶ Yahoo Finance Live: Market Movers - Jun 21st, 2018   [07:20AM  Yahoo Finance Video]
▶ Sears and Kmart Deepen Their Marriage to Boost Sales   [Jun-20-18 09:15PM  Motley Fool]
▶ Park Central renovation halfway complete   [09:59AM  American City Business Journals]
▶ Retail Check Up: JCPenney   [09:00AM  Forbes]
▶ Starbucks Without Howard Schultz Is Still a Buy   [Jun-18-18 09:01PM  Motley Fool]
▶ Retail Check Up: JCPenney   [09:00AM  Forbes]
▶ 5 Stock Picks Under $10 for Millennials   [07:45AM  TheStreet.com]
▶ Retail Check Up: JCPenney   [Jun-17-18 09:00AM  Forbes]
▶ Retail Check Up: JCPenney   [Jun-16-18 09:00AM  Forbes]
▶ J.C. Penney comes in for a landing with $20M sale of corporate jets   [Jun-15-18 01:54PM  American City Business Journals]
▶ Retail Check Up: JCPenney   [09:00AM  Forbes]
▶ 3 Cheap Stocks Under $3 to Consider Now   [Jun-14-18 08:50AM  InvestorPlace]
▶ Why Did Lowe's Companies, Inc. Shares Gain 15% in May?   [Jun-12-18 02:02PM  Motley Fool]
▶ Credit Card Issuer Synchrony Taps Real-Time Analytics to Drive Sales   [Jun-11-18 05:16PM  The Wall Street Journal]
▶ 2 Retail Stock Plays to Mix and Match   [07:58AM  InvestorPlace]
▶ Why J.C. Penney Stock Lost 17% in May   [12:15PM  Motley Fool]
▶ Exclusive: Nordstrom to close Stonestown location, leaving S.F. mall anchor-less   [Jun-06-18 05:21PM  American City Business Journals]
▶ 4 Fixer Upper Stocks Poised to Bounce Back   [03:26PM  InvestorPlace]
▶ 4 Things to Know About New Starbucks Chairman Myron Ullman   [Jun-04-18 05:18PM  TheStreet.com]
▶ Lowe's to lose a second C-level executive   [09:49AM  American City Business Journals]
▶ Breaking into the fashion world   [01:16PM  Yahoo Finance Video]
▶ How Big of a Deal Is Lowe's New CEO?   [May-30-18 01:27PM  Motley Fool]
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