Financial Policy

Nike and Deckers

Key Findings

This analysis examines and compares the financial policies of Nike and Deckers Outdoor , focusing on how each company allocates capital to support growth and shareholder returns. It highlights their approaches to leverage, cash balances, reinvestment in the business, and returning cash through dividends and share repurchases, providing insight into how both firms balance financial flexibility with long‑term value creation.​

Nike follows a shareholder‑friendly but conservative financial policy, using moderate leverage, steady dividends, and sizable share repurchases while continuing to invest heavily in innovation and brand growth.​Deckers Outdoor maintains very low debt and strong cash balances, prioritizing balance‑sheet flexibility, funding organic growth, and returning excess cash through an expanded share repurchase program.​

Financial Analysis

nVent PLC and Hubbell Inc

Key Findings 

This analysis presents a comparative evaluation of nVent Electric and Hubbell Incorporated, concentrating on essential financial ratios, cash flow behaviors, and projections for future cash flows. Despite variances in market capitalization and operational scale, both companies implement strategic financial policies aimed at optimizing their capital structure, managing debt levels, and boosting shareholder value. This report investigates how each organization utilizes its financial capabilities to foster growth, enhance operational efficiency, and maintain liquidity, providing insights into their unique strategies for financial management and long-term value generation.

Data Analytics

NLP Sentiment Analysis of Bank of America Q2 2025 Earnings 

Using advanced Natural Language Processing (NLP) techniques in R, an analyzed textual data from Bank of America’s Q2 2025 earnings transcripts, to extract sentiment trends and market perception insights.

Assessment of Value and Quality in Class B Hostels in Japan

This initiative identifies Class B hostels in Japan offering great value for budget travelers without compromising quality or safety. We assess customer feedback on price, location, and satisfaction to help travelers find top-rated accommodations.

Predictive Analytics of Key Factors Influencing Hospitality Ratings

This project aims to identify Class B hostels in Japan that provide excellent value for budget backpackers while ensuring quality and safety. By analyzing customer reviews, we plan to create a lodging package that meets high rating expectations.

Data Analysis in Excel

Statistical Evaluation of Bad Debt Ratios Among Home Mortgage Applicants

The average bad debt ratio for mortgage applicants was found to be 5.03%, notably higher than the hypothesized benchmark of 3.0%. Statistical analysis yielded a highly significant t-value and a p-value far below 0.05, leading to the rejection of the null hypothesis. This result provides strong evidence that the actual mean bad debt ratio substantially exceeds the target, indicating increased risk among the applicant pool.

Trend Analysis of Cleanliness, Location, and Security as Drivers of  Overall Hotel Ratings

This multiple linear regression analysis shows a strong, linear relationship between hotel ratings and three quality factors: cleanliness, location, and security. As predicted ratings increase, average scores for all three factors rise in tandem, with top-rated hotels (10/10) scoring above 9.4 on each dimension and low-rated hotels clustering near 3.4–4.5.

Project Management

Loan Origination System Proposal

Investing in the Loan Origination System project enables the organization to implement an end-to-end digital lending process that increases efficiency, reduces risk, and drives stronger customer satisfaction. This Excel spreadsheet shows that the budget is carefully structured to cover best-practice project management, tailored system implementation, and post-deployment support, reflecting industry case study recommendations for project success