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It can signal good things or bad things about a company — and it’s up to investors to know the difference.

Negative cash flow can be a truly awful metric for a company — or it can be the sign of a healthy, growing business. How can an investor know the difference? In this episode of “The Morning Show” on Motley Fool Live, recorded on Dec. 21, Fool analysts John Rotonti and Jim Gillies discuss how to employ the metric into your valuations of a stock.

How Investors Can Factor Negative Cash Flow Into Valuations

John Rotonti: If our definition of free cash flow is NOPAT [net operating profit after tax], might this new invested capital. All it means is that in one year, new invested capital is more than NOPAT. Now, this can be a very good thing. This can be, in fact, an incredible, value-generating thing if the company is generating high returns on invested capital. How do you calculate return on invested capital? Same exact numbers. NOPAT over average invested capital. If the company has high underlying profitability, strong business economics. If it generates a high return on its invested capital, then you want the company investing every last dollar it has, and then some, into those high-return investments. …

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If that happens, don’t lose hope – there are other options out there for you. For those who didn’t get the expected loan approval and for those who needed an amount higher than the tax refund, here are the following alternatives for you:

• Payday Loans – similar to tax refund cash advance emergency loans, this loan option doesn’t require a credit check. However, you will be required to make a full loan repayment through your next paycheck. Its loan term is two weeks on average but not exceeding 30 days. It is like you need to make ends meet to be able to get this loan fully paid by the next paycheck. What if you can’t? The chances are that you might need to make a salary advance in the coming month to make up for the repayment. This will lead you into a cycle of pay advances, but you can confidently apply for this loan if you have faith in your next paycheck.
• Personal Loans – compared to tax refund loans, this loan option is much safe and manageable. Through this loan, you can borrow an amount ranging from $2,000 up to $40,000. Loan repayments are made monthly, and it also comes with a fixed interest rate. However, this loan option requires a credit check so, if you have a low credit score, you can expect to loan only a smaller amount first payday loans Lynchburg OH.
• Installment Loans – even if you have a credit score issue, it will never be a problem with this loan option. This loan option has a structure similar to personal loans – you need to make monthly repayments, including the principal amount and the interest rate. It also has a fixed interest rate, but this is given to allow consistent payments over the term required.

These options offer you varying loan amounts that can definitely solve any financial emergency you are in

There you have it – the alternative loan options that you can apply for other than the tax refund loan. …

What if your loan application was not approved?Read More »